The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 4 points (61 → 65), mostly because the earnings component improved by 8 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Pennsylvania

Yes. First Commonwealth Bank is an FDIC-insured institution (FDIC certificate #7468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($2.8B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.00% (benchmark: 10%).

Check how much of your own balance is covered

First Commonwealth Bank lists 126 offices in 89 cities across 2 states. Most locations:

• Pittsburgh, PA (10)
• Cincinnati, OH (5)
• Canton, OH (4)
• Greensburg, PA (4)
• Johnstown, PA (4)
• Delaware, OH (3)
• Indiana, PA (3)
• Massillon, OH (3)
• New Castle, PA (3)
• Altoona, PA (2)
• Butler, PA (2)
• Columbus, OH (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 106 consumer complaints about FIRST COMMONWEALTH FINANCIAL CORPORATION to the company (44 in the last 12 months). 100.0% received a timely response. That is 10.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, First Commonwealth Bank reported 7,314 home-loan applications under HMDA (LEI VN1JLT1F3FLLVN3FZG89): 4,683 originated ($767,025,000 total), 1,796 denied, and 525 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Commonwealth Bank

Former names

Deposit National Bank; Deposit Bank; Du Bois Deposit National Bank; The Deposit National Bank of Du Bois

Type

State-chartered bank

FDIC certificate #

7468

RSSD ID

42420

Primary regulator

FDIC

Holding company

First Commonwealth Finl Corp

Established

September 21, 1880

Headquarters

654 Philadelphia St, Indiana, PA 15701

Website

www.fcbanking.com

Employees

1,589