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First Commonwealth Bank

Indiana, PA · Est. 1880 · Website ↗
C
Trust Grade
Average
Score: 79/100

First Commonwealth Bank is a bank based in Indiana, Pennsylvania, established in 1880, with $12.2 billion in total assets across 129 branches. By Trust Grade it ranks 103rd of 110 banks we track in Pennsylvania. Its capital ratio of 12.3% is stronger than 66% of similarly sized banks, versus a Pennsylvania median of 10.7%. It was profitable over the most recent period, with a 1.29% return on assets. Consumers filed 104 complaints about FIRST COMMONWEALTH FINANCIAL CORPORATION with the CFPB — 8.5 per $1B in assets, a higher rate than 77% of peers.

Total assets
$12.2B
$10B–100B institution
Deposits
$10.5B
Branches
129
Capital ratio
12.3%
Top 34% of $10B–100B peers · Pennsylvania median 10.7%
Return on assets
1.3%
Top 42% of $10B–100B peers · Pennsylvania median 0.87%
Rank in Pennsylvania
#103
of 110 banks

How First Commonwealth Bank compares to Pennsylvania peers

Capital ratio
Top 34% of $10B–100B peers
First Commonwealth
12.3%
Pennsylvania median
10.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 42% of $10B–100B peers
First Commonwealth
1.3%
Pennsylvania median
0.9%
Higher ROA = more profitable relative to asset base

How we graded First Commonwealth Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
59.43846153846154/100
Overall
C · 79
  • Strongly capitalized (12.3% capital ratio)
  • Strongly profitable (ROA 1.29%)
  • 8.5 complaints per $1B in assets

Consumer complaints (CFPB)

104 complaints filed with the CFPB against FIRST COMMONWEALTH FINANCIAL CORPORATION — 8.5 per $1B in assets.

Total complaints
104
Per $1B assets
8.5
Lower = better
Answered on time
100.0%
Closed with relief
7.7%
Complaints by product
Checking or savings account
62
Credit reporting or other personal consumer reports
16
Vehicle loan or lease
11
Mortgage
6
Debt collection
4

Branch locations (129)

  • 251 S Market St, Williamsport, PA 17702
  • 601 Hancock Ave, Vandergrift, PA 15690
  • 110 Riverbend Avenue, Lewis Center, OH 43035
  • 108 E Mill St, Saint Marys, PA 15857
  • 2704 Lincoln Way E, Massillon, OH 44646
  • 5594 Wales Ave Nw, Massillon, OH 44646
  • 6252 Middlebranch Ave Ne, Canton, OH 44721
  • 1525 Third Avenue, Duncansville, PA 16635
  • 311 Ski Gap Road, Claysburg, PA 16625
  • 708 W High St, Ebensburg, PA 15931
  • 920 Philadelphia Ave, Northern Cambria, PA 15714
  • 1047 Franklin St, Johnstown, PA 15905
  • 1541 Menoher Blvd, Johnstown, PA 15905
  • 223 Main St, Brookville, PA 15825
  • 5 N Main St, Du Bois, PA 15801
  • 1201 Main St, Brockway, PA 15824
  • 5355 Shaffer Rd, Dubois, PA 15801
  • 3100 Oakland Ave, Indiana, PA 15701
  • 2009 Pleasant Valley Blvd, Altoona, PA 16602
  • 55 Alpha Dr W, Pittsburgh, PA 15238
  • 2984 Pleasant Valley Blvd, Altoona, PA 16602
  • 6514 Route 22, Delmont, PA 15626
  • 537 Mahoning St, Milton, PA 17847
  • 315 Mill St, Danville, PA 17821
  • 301 Shiffler Ave, Williamsport, PA 17701
  • 1147 S Leechburg Hill Rd, Leechburg, PA 15656
  • 110 Village Dr, Greensburg, PA 15601
  • 4000 Hempfield Plaza Blvd, Greensburg, PA 15601
  • 1506 Route 30, Ligonier, PA 15658
  • 2040 N Center Ave, Somerset, PA 15501
  • 222 Allegheny St, Jersey Shore, PA 17740
  • 7125 Westbranch Hwy, Lewisburg, PA 17837
  • 8470 William Penn Rd, Osterburg, PA 16667
  • 2150 Locust St S, Canal Fulton, OH 44614
  • 2547 W State St, New Castle, PA 16101
  • 80 Wagner Rd, Monaca, PA 15061
  • 3430 Wilmington Rd, New Castle, PA 16105
  • 750 E Pittsburgh St, Greensburg, PA 15601
  • 8291 State Rt. 22, New Alexandria, PA 15670
  • 3880 Old William Penn Hwy, Murrysville, PA 15668

Are deposits at First Commonwealth Bank insured?

Yes. First Commonwealth Bank is an FDIC-insured bank (FDIC certificate #7468). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Commonwealth Bank: frequently asked questions

Is First Commonwealth Bank a good bank?

First Commonwealth Bank earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 98/100 and a customer-experience score of 59.43846153846154/100. Strongly capitalized (12.3% capital ratio); Strongly profitable (ROA 1.29%).

Is First Commonwealth Bank FDIC-insured?

Yes. First Commonwealth Bank is a FDIC-insured bank (FDIC certificate #7468). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First Commonwealth Bank?

First Commonwealth Bank holds $12.2 billion in total assets, ranking 103rd of 110 banks we track in Pennsylvania. It operates 129 branches.

How many complaints does First Commonwealth Bank have?

Consumers filed 104 complaints about FIRST COMMONWEALTH FINANCIAL CORPORATION with the CFPB, or 8.5 per $1B in assets. 100% were answered on time. 8% closed with relief to the consumer.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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