🏦Bank Scorer

FIRST COMMONWEALTH BANK

INDIANA, PA · Supervised by FDIC

Est. 1880FDIC #7,468RSSD: FDIC-7468
Part ofFIRST COMMONWEALTH FINL CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

654 Philadelphia St, INDIANA, PA

County

Indiana County

Established

September 21, 1880

Total Assets

$12.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$12.2B

Total Deposits

$10.5B

Net Loans

$9.3B

Net Income

$39M

ROA

1.29%

ROE

10.48%

Risk-Based Capital

13.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate26.53%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

130

Branch Deposits

$10.2B

1-Year Change

+3

5-year net change: -20 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245,99058.58%26.53%
20238,04957.24%26.71%
202212,54458.32%26.87%
202114,72360.08%23.46%
202014,00758.45%22.21%
201910,41759.34%20.50%
20189,46062.58%17.94%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/a31d3630-e674-4ab0-bdeb-ca33f7b4ee55"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: