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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 7468 · PA B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2393/4307
  • PHOTO-FINISH NBT Bank, National A… · NY
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 5.7% Texas
  • ROA-STRONG 1.33% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: NBT Bank, National Association, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Commonwealth Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Commonwealth B… · PA ·…76/100Honor Bank · MI · near76/100NBT Bank, National A… · NY ·…76/100Prairie Sun Bank · MN · near76/100SKYLINE NATIONAL BANK · VA ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Commonwealth Bank · July 2026

Call Report read for First Commonwealth Bank in a high-failure state

First Commonwealth Bank (FDIC Cert #7468) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,393 of 4,307. Tier 1 capital prints at 11.69%, clearing the 10% well-capitalized line. The Texas Ratio is 5.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.33%. Balance-sheet scale is $12.3B, 142nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is NBT Bank, National Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Commonwealth Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

First Commonwealth Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about First Commonwealth Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

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.

0/100100/100National avg77/10076/100
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 Assets

$12.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.29% 11.69% 13.09%
Basel III capital ratios - First Commonwealth Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Commonwealth Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First Commonwealth Bank

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

What these ratios mean →

Earnings posture at First Commonwealth Bank

Return on Assets (ROA)
66th percentile nationally
1.33%
Return on Equity (ROE)
11.02%
Efficiency Ratio
54.10%

What these mean →

Income & expense at First Commonwealth Bank

$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.

FDIC Failed Bank List → View First Commonwealth Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to First Commonwealth Bank nationally by total assets
  1. 1
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  2. 2
    Safra National Bank of New York $12.5B

    New York, NY · Grade A

  3. 3
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  4. 4
    Dollar Bank, Federal Savings Bank $12.5B

    Pittsburgh, PA · Grade B

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

  6. 6
    First Foundation Bank $11.9B

    Irvine, CA · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($12.3B here), outside Pennsylvania so the neighborhood is not state containment.

Oriental Bank $12.4B · PR Safra National Bank of New York $12.5B · NY BancFirst $12.1B · OK First Bank $12.7B · NC

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.

First Commonwealth Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
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%