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First Commonwealth Financial (FCF) investor relations material
First Commonwealth Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $41.3 million ($0.39 diluted EPS), up from $32.1 million in Q3 2024, with core pre-tax pre-provision income at $62.9 million and core PTPP ROAA of 2.05%.
Return on average assets was 1.34% for Q3 2025, and return on average equity was 10.71%.
Net interest margin expanded to 3.92%, with average deposits up 4% and total loans and deposits both growing sequentially.
Tangible book value per share rose 11.6% annualized, and tangible common equity ratio increased to 9.6%.
625,483 shares were repurchased for $10.5 million in Q3 2025; excess capital stood at $348.9 million.
Financial highlights
Net interest income (FTE) was $111.5 million, up $4.9 million from Q2 2025 and $14.6 million year-over-year.
Net interest margin rose 9 bps sequentially and 36 bps year-over-year to 3.92%.
Average loans increased $222.8 million from last quarter and $648.3 million year-over-year.
Noninterest income for the nine months was $72.1 million, down 2% year-over-year, mainly due to a $6.3 million decline in card-related interchange income from Durbin Amendment impacts.
Net charge-offs for Q3 2025 were $12.2 million, mainly due to a $5.5 million dealer floor plan charge-off and $2.8 million from the sale of CenterBank loans.
Outlook and guidance
Fourth quarter NIM expected to face short-term downward pressure due to Fed rate cuts and seasonal deposit declines, but recovery to ~3.9% projected for 2026.
Loan and deposit growth guidance remains mid-single-digit, with continued focus on improving deposit mix and growing transaction accounts.
Fee income expected to gradually increase in 2026; expenses projected to grow by approximately 3% next year.
Macro swap maturities expected to provide a cumulative NIM benefit of 10bps by year-end 2026 under current rate forecasts.
Net charge-offs expected to normalize in the mid to high 20 basis points range.
Dealer floor plan resolution impact on credit costs?
Key drivers for 2026 NIM stability?
M&A strategy to address liquidity and growth?
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Next First Commonwealth Financial earnings date
Q4 202528 Jan, 2026
Next First Commonwealth Financial earnings date
Q4 202528 Jan, 2026
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Frequently asked questions
First Commonwealth Financial Corporation is a financial holding company that provides consumer and commercial banking services through its subsidiary, First Commonwealth Bank. Its services include deposit accounts, loans, mortgage lending, and wealth management. The company operates primarily in Pennsylvania and Ohio. It is headquartered in Indiana, Pennsylvania, and its shares are listed on the NYSE.
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