| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.9% | -6.1 pts |
| Deposit growth (YoY) | +1.4% | +5.7% | -4.3 pts |
| Loan growth (YoY) | -1.0% | +6.9% | -8.0 pts |
| ROA | 1.40% | 1.23% | +0.2 pts |
| ROE | 11.3% | 11.2% | +0.1 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.18B | $10.33B | $9.38B | $1.52B | $85.5M | 1.40% | 4.00% | 0.72% |
| Q1 2026 | $12.23B | $10.51B | $9.34B | $1.50B | $39.5M | 1.29% | 3.92% | 0.78% |
| Q4 2025 | $12.31B | $10.34B | $9.65B | $1.51B | $160.4M | 1.33% | 3.93% | 0.76% |
| Q3 2025 | $12.28B | $10.32B | $9.62B | $1.51B | $113.7M | 1.27% | 3.87% | 0.75% |
| Q2 2025 | $12.21B | $10.19B | $9.48B | $1.48B | $70.5M | 1.19% | 3.79% | 0.83% |
| Q1 2025 | $11.76B | $9.95B | $9.01B | $1.41B | $34.7M | 1.19% | 3.65% | 0.53% |
| Q4 2024 | $11.55B | $9.76B | $8.92B | $1.37B | $150.0M | 1.29% | 3.62% | 0.56% |
| Q3 2024 | $11.95B | $9.84B | $8.89B | $1.37B | $112.0M | 1.28% | 3.60% | 0.64% |
Loan mix (Q2 2026): real estate $5.98B · commercial $1.83B · consumer $1.46B · securities $1.67B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Commonwealth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.23% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.3% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 54.9% | 42nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Commonwealth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Commonwealth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Commonwealth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Commonwealth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Commonwealth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
130 branches in 29 counties across 2 states (+3 vs 2024) · $10.19B branch deposits. Biggest market: Allegheny, PA, ranked 9th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 24 | $2.01B | 1.10% | 9th |
| Westmoreland, PA | 15 | $1.28B | 11.28% | 4th |
| Stark, OH | 9 | $917.3M | 8.32% | 3rd |
| 26 more counties with Pro → | ||||
Pennsylvania: 17th with 1.25% · Ohio: 21st with 0.39% · Pittsburgh metro: 9th, 1.83% · Canton-Massillon metro: 3rd, 7.94% ·
Branch count: 2022 121 · 2023 129 · 2024 127 · 2025 130