Side-by-side · Q2 2026 data
First Commonwealth Bank vs PennCrest Bank
Metric by metric
| Measure | First Commonwealth Bank | PennCrest Bank |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 52 | 85 (stronger) |
| Loan quality | 70 | 83 (stronger) |
| Earnings | 76 (stronger) | 39 |
| Funding & liquidity | 55 | 86 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 54th | 64th |
| Total assets | $12.2B | $247.1M |
| Deposits / shares | $10.3B | $210.0M |
| Capital ratio | 10.17% | 13.48% (stronger) |
| Problem loans | 0.89% | 0.50% (stronger) |
| Net charge-offs | 0.41% | 0.01% (stronger) |
| Return on assets | 1.40% (stronger) | 0.47% |
| Loans ÷ deposits | 90.8% | 74.4% (stronger) |
| Uninsured deposits | 27.5% | 6.4% (stronger) |
| Offices | 126 | 8 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 10.3 | — |
| Mortgage denial rate (HMDA) | 26.5% | 15.0% |
PennCrest Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth Bank leads on 1 and PennCrest Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Altoona, PA
- Hollidaysburg, PA
- Patton, PA