# FIRST COMMONWEALTH BANK
INDIANA, PA · FDIC certificate 7468 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $12.18B | |
| Deposits | $10.33B | |
| Loans and leases | $9.51B | |
| Total equity | $1.52B | |
| Loans / deposits | 90.81% (p71 of band) | 85.78% |
| Liquid assets / assets | 15.11% (p15 of band) | |
| Uninsured deposits / deposits | 27.53% (p26 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.16% (p11 of band) | |
| FHLB advances / assets | 0.99% | |
| Tier 1 leverage | 10.17% (p50 of band) | 10.17% |
| Unrealized securities loss / equity | -9.48% (p37 of band) | -7.43% |
| AOCI / equity | -0.38% (p46 of band) | |
| ROA (annualized) | 1.40% (p65 of band) | 1.24% |
| Net interest margin | 4.00% (p78 of band) | 3.57% |
| Efficiency ratio | 52.85% (p46 of band) | |
| Noncurrent loans | 0.89% (p68 of band) | 0.66% |
| Net charge-offs (annualized) | 0.32% (p86 of band) | |
| Reserve coverage of noncurrent | 150.16% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 33.17% (p57 of band) | |
| Auto loans | $1.13B (11.84% of loans; DQ 0.55%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 1589 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 | wholesale funding >15% | capital falling |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | deposits shrinking |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | loans exceed deposits |  |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | deposits shrinking |
| 2015-12 | 4 | uninsured deposits leaving |  |
| 2016-03 | 3 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | charge-offs p90 |  |
| 2016-12 | 2 |  | wholesale funding >15%, loans exceed deposits |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | charge-offs p90 |  |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Farmers National Bank hires western Pennsylvania retail market manager from First Commonwealth - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSzk4SFB5OXJTdjE1eThGY083TzctSXdobU44bXRpTTdDaEF2c3hlam91ZlNkZlgwdEk1bFVib19JRFg5MXlvci1ydXlRNU5pS215bHpwbnY0cmtqZ3pqMmwwbm4wTVpWcDhhWnhqM1FRbjYtUnhoelE1VmJZeDJBUFpPV1ZzTlk2ZFNJUUZvY0tzbVFCNnZ5YnBibVhteVVSNlVrY1JWZTU5dw?oc=5) · The Business Journals
- 2026-08-27 [First Commonwealth Bank extends Union Trust Building lease Downtown - TribLIVE.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBIUFg3T21YazF5c2x5cFRKR0VtODQ0eVJjMXZsTHFkMXRmSWprLWNoWlN5WFQxcGRKTlI1dG50Q29PUGtuaFhOaGdIQmVQaEd1Y1Qxb2lR?oc=5) · TribLIVE.com
- 2026-08-26 [As some companies downsize in Downtown, First Commonwealth Bank renews lease at Union Trust Building - Pittsburgh Post-Gazette](https://news.google.com/rss/articles/CBMixAFBVV95cUxOSmwyd0xkajJVRGdWdjdtcmpNN1d1S1B5d0FReUFkSlA2Q3A5TG5oUHFtR19nX1Z5WUlBemthdEw3NkV2RkhkZ21HNWtad3F4TDRZdmV4QmVWRHdmdzZoaXdzbkN0amU2QjBEUXQ4ZTlNdHNmYXNhWkV0bEFSYXBxR01jU3I3OVVET3ZQaGJzdXZrNWJfOW9fSV93SFpQNkV1YWV0Ym9veVV1YnlCWDZWYXU3dGVDakExclRLc0tkejRrRGJn?oc=5) · Pittsburgh Post-Gazette
- 2026-09-08 [First Commonwealth acquires Ligonier insurance firm - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUlNwei05WHhYWV92QndoaC0wNmpNZ1Q2dmdHaWE0M0ktX0JPcHVsRjQxY3JZLXlHalpZT19QR0c3ZGZPNmZxRHJGWUVZRVJyUXgwRkVGWGdQd25GYTZLMW9OTWFsMnYwQUNjbHhXS2JBWkZQUURKc0pncFJXcGkxck5pRzRwVlFqZlRNVlRvY1VfcHNSWUNPYQ?oc=5) · The Business Journals
- 2026-08-08 [First Commonwealth Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5MdUprUXVEamNydTFZX1I3dGVZd18tRFgyTXRjZXY4Q0dKWllQNlk1dGVwekNqRTRTS0x4WGU2UTRhd216U1FCdFFEWk9MaGZDWEFULXJqMDVvdkd5Z0w4blc2bEwtQmNHbWlZU0pHX1E4RkYyZ0xQWjRKcw?oc=5) · reveliolabs.com
- 2026-06-24 [Westmoreland County bank manager charged with stealing more than $30,000 from dead customers' accounts - CBS News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNajZkSnBzZWlUcmI4Z1dhNUhnZEZyX2lHdm5NTXJfR1gxQjI2ajQ4X0ZmSndwQlRBTU5qelFONkhsVEtJMFNzM1BneDNEcVZGUlgzYUlaYlBhT3lSWDVlRlNEeEhnYnh1TVdBTmE0N09CMHlFemx6ZE02WXpDbG4yRlNhdTgyQnB5dWREbUhR?oc=5) · CBS News
- 2026-06-17 [First Commonwealth Bank - ABC27](https://news.google.com/rss/articles/CBMibkFVX3lxTFBwdTBIWkQtVlZoRU15MjI2eF90T3VSbzM0TzB3R3I3cTVtcFdXZ2Rtc090alh3eC1xWGNMSjNHMEpKS0Fib0UyRTVNZ3ZiS2tvM2xJT1NoY1VIQk1BQkFJbkFrTTFUTURINnBTV1BB?oc=5) · ABC27
- 2026-06-24 [Former First Commonwealth Bank manager charged with stealing from deceased customers - Indiana Gazette Online](https://news.google.com/rss/articles/CBMimAJBVV95cUxPeFZZNGJYUGxqNjNLY0dkMmttY1BMZU1sU3pETmt4eXhJNGNDVm9pLUZTUHhPc0tqdXlfZzZkSWJfOTFlRDZDNVl3Yi01aEk2MTdOZHZ1RUF2SU9ER2Z1Tkw4dU8xNzg4RlhKVU96MG5ORVlfbF9lZzRueEV6TlB5Q1pJZmFJY3NUQXNRQlRSNDNKM0xhZWtWeVFDWFNKOWJMeTFfaTAydGtQTmhZcGtQVElmSGVfM0pBdmxqWlZFSlRjRUdBcU1KQnhCTVVCeHlmZnBla0RiRWY2Y0dsVV9KNU5RU2ZWdlpqWm0yNTkyU3gtM25RTzJILWVMSUdxd2t4dkhteUNLN2dWMUpLZVFlNktjYTZlN2Mt?oc=5) · Indiana Gazette Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7468 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "7468", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide