First Commonwealth Bank

600 Philadelphia Street
Indiana, PA 15701

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7468
Date Established 1880
Assets $7.36 billion
Loans $5.34 billion
Deposits $5.55 billion
Capital $0.91 billion

First Commonwealth Bank is an FDIC insured institution located in Indiana, PA. It was founded in 1880 and has approximately $7.36 billion in assets. Customers can open an account at one of its 111 branches.

For a more detailed analysis of First Commonwealth Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in First Commonwealth Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, First Commonwealth Bank has a significantly higher percent of Consumer Auto Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.72
Multifamily
Mortgages
5.61
Credit Card Loans 0.14
Consumer Auto Loans 8.44
Small Business Loans 5.47
Construction and Development Loans 4.67
Commercial Real Estate 31.07
Commercial and Industrial Loans 19.20
Farm Loans 0.02

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $2,500 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.10% $2,500 $99,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $500 - Learn MoreShow Less
Fixed IRA 0K
0.15% $500 - Learn MoreShow Less
Fixed IRA 0K
0.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.15% $25 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.02% $1 $9,999 Learn MoreShow Less
MM 10K
0.05% $1 $19,999 Learn MoreShow Less
MM 10K
0.03% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $20,000 $49,999 Learn MoreShow Less
MM 25K
0.07% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.05% $1 $19,999 Learn MoreShow Less
Premium MM 10K
0.03% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.10% $20,000 $49,999 Learn MoreShow Less
Premium MM 25K
0.07% $25,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $500 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.01% $2,500 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Commonwealth Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.761% 3.750% -0.13 $335 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to First Commonwealth Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First Commonwealth Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First Commonwealth Bank Locations

Financial Details

First Commonwealth Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Commonwealth Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Commonwealth Bank U.S. Bank Average
3.68% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, First Commonwealth Bank had $29,319,000 in non-current loans and $5,964,000 in owned real estate. To cover these potential losses it had $911,006,000 in equity and $48,067,000 in loans loss reserves. That gives it a Texas Ratio of 3.68%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
First Commonwealth Bank U.S. Bank Average
8.04% 8.58

First Commonwealth Bank has a Return on Equity of 8.04% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Commonwealth Bank U.S. Bank Average
12.38% 12.11

First Commonwealth Bank has a Capitalization of 12.38% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Commonwealth Bank Balance Sheet Analysis

As of June 30, 2017, First Commonwealth Bank had assets of $7,358,664,000, loans of $5,336,482,000, and deposits of $5,545,132,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About First Commonwealth Bank

Branches and Savings

Is First Commonwealth Bank FDIC insured?

Yes. It is covered under FDIC Certificate #7468.

Why does First Commonwealth Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Commonwealth Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Commonwealth Bank a commercial bank?

Yes

Where are First Commonwealth Bank locations?

See branch locations nearby.

Is First Commonwealth Bank open on Saturdays?

Is First Commonwealth Bank open on Sundays?

What time does First Commonwealth Bank open?

What time does First Commonwealth Bank close?

Are First Commonwealth Bank ATMs Open 24/7?

Do First Commonwealth Bank ATMs accept cash deposits?

Can First Commonwealth Bank customers use other ATMs?

Do First Commonwealth Bank branches have notaries?

Will First Commonwealth Bank notarize my document?

What address for First Commonwealth Bank should I put for incoming ACH transfers?

Will the First Commonwealth Bank branch print checks?

Do First Commonwealth Bank checks expire?

Does First Commonwealth Bank require US citizenship to open account?

Can First Commonwealth Bank close my account?

Does First Commonwealth Bank Report to credit bureaus?

Does First Commonwealth Bank Use Equifax?

What is First Commonwealth Bank's ACH Routing Number?

What is First Commonwealth Bank's SWIFT code?

Products

Does First Commonwealth Bank offer mortgages?

Compare mortgage rates here.

Does First Commonwealth Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Commonwealth Bank offer personal loans?

Compare personal loan rates here.

Does First Commonwealth Bank offer student loans?

Will First Commonwealth Bank cash a check?

Will First Commonwealth Bank redeem a savings bond?

Does First Commonwealth Bank cash savings bonds?

Will First Commonwealth Bank cash money orders?

Can First Commonwealth Bank issue a money order?

Does First Commonwealth Bank do currency exchange?

Background on The Bank

Who owns First Commonwealth Bank?

How long has First Commonwealth Bank been around?

Can First Commonwealth Bank transfer to other banks?

Does First Commonwealth Bank have quick pay?

Does First Commonwealth Bank accept rolled coins?

Will First Commonwealth Bank accept loose change?

Where is First Commonwealth Bank headquarters?

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