First Commonwealth Bank (FDIC #7468): Bank Stress & Real-Estate Credit Exposure

First Commonwealth Bank (FDIC Cert #7468): bank stress 54/100, moderate, STABLE over 7 days; parent FIRST COMMONWEALTH FINL CORP.

First Commonwealth Bank (#7468) lends in 29 counties across 2 states; First Commonwealth Bank (#7468) reaches 1,001 ZIP codes: Pennsylvania 23 counties, 793 ZIPs; Ohio 6 counties, 208 ZIPs.

First Commonwealth Bank (#7468) largest markets: Allegheny County, PA (2,856 branches, 119 ZIPs) (#7468), Westmoreland County, PA (1,335 branches, 89 ZIPs) (#7468), Washington County, PA (65 branches, 65 ZIPs) (#7468), Lancaster County, PA (61 branches, 61 ZIPs) (#7468), Hamilton County, OH (348 branches, 58 ZIPs) (#7468), Indiana County, PA (318 branches, 53 ZIPs) (#7468).

First Commonwealth Bank (#7468) reports $12.18 billion in total assets; First Commonwealth Bank (#7468) equity $1.52 billion (12.5% of First Commonwealth Bank (#7468) assets); First Commonwealth Bank (#7468) domestic deposits $10.33 billion; First Commonwealth Bank (#7468) net income $85.5 million; First Commonwealth Bank (#7468) return on assets 1.40%; First Commonwealth Bank (#7468) return on equity 11.32%; First Commonwealth Bank (#7468) net interest income $223.5 million; First Commonwealth Bank (#7468) call report June 30, 2026.

First Commonwealth Bank (#7468) noncurrent real-estate loans 0.16% of its book; First Commonwealth Bank (#7468) residential 0.33%; First Commonwealth Bank (#7468) net charge-offs on real estate 0.70%; First Commonwealth Bank (#7468) multifamily charge-offs 1.70%; First Commonwealth Bank (#7468) residential charge-offs 0.60%.

First Commonwealth Bank (#7468) net interest margin 4.00% against an eight-quarter First Commonwealth Bank (#7468) average of 3.80% (First Commonwealth Bank (#7468) compression -0.20 points); First Commonwealth Bank (#7468) real-estate loans 16.4% of equity; First Commonwealth Bank (#7468) non-residential real estate 60.5% of equity; First Commonwealth Bank (#7468) rate-exposure score 40/100, First Commonwealth Bank (#7468) fixed-rate trap 40/100; First Commonwealth Bank (#7468) risk type credit driven; First Commonwealth Bank (#7468) rate regime rates elevated, First Commonwealth Bank (#7468) snapshot October 19, 2026.

First Commonwealth Bank (#7468) stress score moved from 55.3 on June 22, 2026 to 53.8 on October 20, 2026; First Commonwealth Bank (#7468) ranged 53.8 to 55.3 over 117 snapshots.

First Commonwealth Bank (#7468) alerts: 29 counties; top First Commonwealth Bank (#7468) alert scores: Lancaster County, PA 36 (moderate); Indiana County, PA 35 (low); Ashtabula County, PA 20 (low); Canonsburg County, PA 20 (low); Cincinnati County, PA 20 (low).