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600 Philadelphia Street
Indiana, PA 15701

First Commonwealth Bank is headquartered in Indiana and is the 9th largest bank in the state of Pennsylvania. It is also the 156th largest bank in the nation. It was established in 1880 and as of December of 2013, it had grown to 1,359 employees at 110 locations. First Commonwealth Bank has a A health rating.

Reviews (2)

Worst Bank Ever!

 Now this bank has the nerve to lure small busines in local areas into letting them handle their payroll just so they can bank of the interest at their own leisure. Even if the business owner files all info say... on a friday, the employees are at the mercy of the postal service until the following possible, Weds, Thurs, Friday and even as late as the following Tuesday! In this option for small business there is also no chance of direct deposit which would process so much faster than mailing. Way to treat people that live paycheck to paycheck and treat the small business great for only probaly six months until screwing them also in the long run!

Watch Out!

First Commonwealth Bank is following the bigger banks now in agressivley going after fees and penalties. The Opt In/Out has resulted in a windfall for the bank. 'Have been seeing things decline there since Mike Price's takeover in March 2012. Used to really love this bank, which had marketed itself as being morally superior, "better" than the others. Don't buy the hype. They are ramping up their money grabbing. Watch out if you own a small business; they market heavily to this group but will bleed you white if given the chance as you try to deal wih inevitable cash flow issues. They cynically take every advantage. I am currently looking to get the hell out of First Commonwealth of PA as soon as I can. Banking in Pittsburgh is atrocious. So much collusion between all of them, including, now, First Commonwealth. Where are the regulators??


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Commonwealth Bank had $58.18 million in non-current loans and owned real-estate with $724.08 million in equity and loan loss allowances on hand to cover it. This gives First Commonwealth Bank a Texas Ratio of 8.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Commonwealth Bank decreased dramatically from 13.67% as of December 31, 2012 to 8.03% as of December 31, 2013, resulting in a positive change of 41.24%.This indicates that the balance sheet and financial strength for First Commonwealth Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First Commonwealth Bank has increased its total deposits by $34.97 million, resulting in 0.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Commonwealth Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Commonwealth Bank has $6.18 billion in assets with $724.08 million in equity, resulting in a capitalization level of 11.72%, which is excellent.

Institution Statistics

FDIC Certificate #7468
Year Established1880
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.18 billion
Loans$4.23 billion
Deposits$4.61 billion
Equity Capital$669.86 million
Loan Loss Allowance$54.23 million
Unbacked Noncurrent Loans$46.45 million
Real Estate Owned$11.73 million
Historic Data - December 2012
Assets$5.94 billion
Equity Capital$710.12 million
Loan Loss Allowance$67.19 million
Unbacked Noncurrent Loans$46.45 million
Real Estate Owned$11.26 million
Profit Margin - Quarterly
Net Interest Margin3.45%
Return on Assets0.77%
Return on Equity6.89%
Interest Income$206.13 million

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First Commonwealth Bank has 110 locations. Click to view all First Commonwealth Bank locations.