Total Assets
$12.3B
Total balance-sheet footings
FDIC Cert #7468 · Indiana, Pennsylvania · Est. 1880
First Commonwealth Bank - FDIC Bank Health Profile
A community-scale look at First Commonwealth Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $12.3B
- Total assets
- B
- Health grade · Good
- 1.33%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Commonwealth Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.69% Tier 1, profitable at 1.33% ROA, efficient (54% cost ratio).
- #142
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 11.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Commonwealth Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Commonwealth Bank's composite health score
Tier 1 Capital Ratio (11.69%) 28/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (5.69%) 16/20
Efficiency Ratio (54.10%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.3B
Customer-funded liabilities
Net Loans
$9.7B
Outstanding loan book
Net Income
$160M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Commonwealth Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Commonwealth Bank's score of 76/100 falls in the highlighted band.
First Commonwealth Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Commonwealth Bank's $12.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.69%
Texas Ratio
5.69%
Equity Capital
$1.5B
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.33%
Return on Equity (ROE)
11.02%
Efficiency Ratio
54.10%
What the numbers say about First Commonwealth Bank
First Commonwealth Bank is an FDIC-insured institution (Certificate #7468) headquartered in Indiana, Pennsylvania, established in 1880. It holds $12.3B in total assets - 142nd of 4,313 FDIC-insured banks, $10.3B in customer deposits, and $9.7B in net loans. On safety, its Tier 1 capital ratio of 11.69% is above the 10% well-capitalized threshold, and its Texas Ratio of 5.69% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First Commonwealth Bank's asset base places it among the largest FDIC-insured institutions in the country, 142nd of 4,313 nationally, and 8th of 112 banks headquartered in Pennsylvania. Only Dollar Bank, Federal Savings Bank ($12.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$632M
Interest Income
$96M
Non-Interest Income
$289M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Commonwealth Bank reports a Texas Ratio of 5.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
National size peers: banks closest to First Commonwealth Bank by assets
First Commonwealth Bank is closely matched in total assets by Oriental Bank, Safra National Bank of New York, BancFirst, Dollar Bank, Federal Savings Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.78%, versus First Commonwealth Bank's own 1.33%; the average efficiency ratio is 65.20%, versus 54.10% here; and average Tier 1 capital sits at 16.12%, versus 11.69% at First Commonwealth Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $12.3B in assets, First Commonwealth Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| First Commonwealth Bank (this bank) | PA | $12.3B | 1.33% | 54.10% | 11.69% |
| Oriental Bank | PR | $12.4B | 1.59% | 52.92% | 13.44% |
| Safra National Bank of New York | NY | $12.5B | 0.92% | 64.01% | 22.33% |
| BancFirst | OK | $12.1B | 1.79% | 51.08% | 17.11% |
| Dollar Bank, Federal Savings Bank | PA | $12.5B | 0.53% | 75.71% | 15.21% |
| First Bank | NC | $12.7B | 0.94% | 50.34% | 14.69% |
| First Foundation Bank | CA | $11.9B | -1.10% | 97.13% | 13.97% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Commonwealth Bank (FDIC Cert #7468) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| S&T BankIndiana | $9.9B | A | 1.43% |
Frequently asked questions
What is First Commonwealth Bank's health grade?▼
First Commonwealth Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Commonwealth Bank?▼
First Commonwealth Bank holds $12.3B in total assets and $10.3B in deposits, ranking 142nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Indiana, Pennsylvania.
Is my money safe at First Commonwealth Bank?▼
Yes, deposits at First Commonwealth Bank (Certificate #7468) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Commonwealth Bank's Tier 1 Capital Ratio?▼
First Commonwealth Bank has a Tier 1 Capital Ratio of 11.69%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Commonwealth Bank?▼
First Commonwealth Bank has a Texas Ratio of 5.69%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Commonwealth Bank?▼
First Commonwealth Bank has an Efficiency Ratio of 54.10%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Commonwealth Bank's profile as a depositor or analyst.
- First Commonwealth Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Commonwealth Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.