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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
Core pre-tax pre-provision income reached $62.9 million, with a core PTPP ROA of 2.05% for Q3 2025.
Net income for Q3 2025 was $41.3 million, with diluted EPS of $0.39, up from the prior quarter.
Net interest margin expanded to 3.92%, and average deposits increased 4% across all geographies.
Loan growth was 5.7% ($137 million), with strong contributions from equipment finance, commercial banking, indirect, and home equity lending.
Tangible common equity ratio increased to 9.6%, and tangible book value per share rose 11.6% annualized.
Financial highlights
Net interest income (FTE) was $111.5 million, up $4.9 million from last quarter and $14.6 million year-over-year.
Core pre-tax pre-provision net revenue was $62.9 million, up $4.3 million sequentially and $12.0 million year-over-year.
Average loans increased $222.8 million from last quarter and $648.3 million year-over-year.
Average deposits grew $102.7 million sequentially; period-end deposits up $126.8 million.
Net charge-offs for the quarter were $12.2 million, mainly due to a $5.5 million dealer floor plan charge-off and $2.8 million from the sale of Center Bank 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 expected to continue at mid-single-digit rates.
Fee income anticipated to gradually increase in 2026.
Core non-interest expense 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.
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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