First Commonwealth Bank: how it compares with its peers
Against 163 U.S. banks with half to twice its assets, First Commonwealth Bank's strongest measure in Q2 2026 is net interest margin (4.00% vs. a 3.62% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $10.2M).
| Measure | First Commonwealth Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.29% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.62% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.85% | 55.19% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $10.2M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.81% | 86.81% | Context |
What it means for lending operations
Its efficiency ratio of 52.85% is better than the 55.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Columbia Bank Fair Lawn, NJ · $12.17B
- Oriental Bank San Juan, PR · $12.04B
- Happen Bank, National Association Lehi, UT · $12.48B
- NBH Bank Greenwood Village, CO · $12.54B
- Farmers and Merchants Bank of Long Beach Long Beach, CA · $11.77B
- The Park National Bank Newark, OH · $12.61B
Questions about First Commonwealth Bank
How big is First Commonwealth Bank?
First Commonwealth Bank, established in 1880, is headquartered in Indiana, PA. It reported $12.18B in total assets in its Q2 2026 FDIC call report and operates 129 offices.
What is First Commonwealth Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.29% median for 163 U.S. banks with half to twice its assets, ahead of 63% of them.
What is First Commonwealth Bank's efficiency ratio?
52.85% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 55.19%, and lower is better.
Is First Commonwealth Bank growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.