BlastPoint's Banking Scorecard
First Commonwealth Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 7468
Indiana, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
First Commonwealth Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 44% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.3B
+6.6% YoY
+0.3% QoQ
|
+$1.9B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$9.7B
+8.3% YoY
+0.3% QoQ
|
+$2.5B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$10.3B
+6.0% YoY
+0.3% QoQ
|
+$1.8B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.33%
+3.5% YoY
+5.2% QoQ
|
+0.17% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.93%
+8.6% YoY
+1.4% QoQ
|
+0.53% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
54.10%
-0.3% YoY
-1.4% QoQ
|
-2.50% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.96%
+35.3% YoY
+2.1% QoQ
|
+0.28% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
93.33%
+2.2% YoY
+0.1% QoQ
|
+7.86% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
23.83%
-0.3% YoY
-1.9% QoQ
|
+3.19% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.76%
+37.0% YoY
+2.3% QoQ
|
+0.27% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
11.69%
-1.3% YoY
-0.1% QoQ
|
-1.86% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.78%
-9.5% YoY
+33.0% QoQ
|
-0.18% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#36 of 80 · Bottom 44% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.33%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Total Loans
Current: $9.7B · Tier avg: $7.1B
74
74th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.40%
74
74th pctile
Total Deposits
Current: $10.3B · Tier avg: $8.5B
72
72th pctile
Total Assets
Current: $12.3B · Tier avg: $10.5B
64
64th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
63
63th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.96%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.83% · Tier avg: 20.64%
62
62th pctile
Efficiency Ratio
Current: 54.10% · Tier avg: 56.60%
30
30th pctile
Loan-to-Deposit Ratio
Current: 93.33% · Tier avg: 85.47%
26
26th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.68%
25
25th pctile
Tier 1 Capital Ratio
Current: 11.69% · Tier avg: 13.55%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
Top Weaknesses
24
24th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
25
25th pctile
Tier 1 Capital Ratio
Current: 11.69% · Tier avg: 13.55%
26
26th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.68%
30
30th pctile
Loan-to-Deposit Ratio
Current: 93.33% · Tier avg: 85.47%
62
62th pctile
Efficiency Ratio
Current: 54.10% · Tier avg: 56.60%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.83% · Tier avg: 20.64%
63
63th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.96%
64
64th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
72
72th pctile
Total Assets
Current: $12.3B · Tier avg: $10.5B
74
74th pctile
Total Deposits
Current: $10.3B · Tier avg: $8.5B
74
74th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.40%
78
78th pctile
Total Loans
Current: $9.7B · Tier avg: $7.1B