Compared with Pennsylvania
17 of 25
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
77th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 25 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for First Commonwealth Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Commonwealth Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.1% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (77th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5.7M in Q2 2026, 2.7% above the same quarter a year earlier ($5.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
17 of 25 compared published fees sit above the Pennsylvania median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Hometown Checking $2 · Confidence Checking $5 · Confidence Checking® $5 · Hometown Checking Plus $10 · Hometown Checking Premium $15
Compared at $5, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 2.9% from Q3 2025 to Q2 2026, to $5.7M. Its share of revenue, 4.1%, is above the 2.9% median for banks with $10B to $50B in assets.
$5.7M
First Commonwealth BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $15; we compare the midpoint.
First Commonwealth Bank · $12.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Commonwealth Bank(this institution) | Indiana, PA | $12.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amarillo National Bank | Amarillo, TX | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amerant Bank, National Association | Coral Gables, FL | $10.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BancFirst | Oklahoma City, OK | $12.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Beal Bank USA | Las Vegas, NV | $11B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Burke & Herbert Bank & Trust Company | Alexandria, VA | $11B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Byline Bank | Chicago, IL | $9.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centier Bank | Whiting, IN | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Columbia Bank | Fair Lawn, NJ | $12.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| ConnectOne Bank | Englewood Cliffs, NJ | $14.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dollar Bank, Federal Savings Bank | Pittsburgh, PA | $12.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank of Long Beach | Long Beach, CA | $11.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Southern Pines, NC | $13B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Laredo, TX | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Israel Discount Bank of New York | New York, NY | $14.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| NBH Bank | Greenwood Village, CO | $12.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oriental Bank | San Juan, PR | $12B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Origin Bank | Choudrant, LA | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PlainsCapital Bank | University Park, TX | $12.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Principal Bank | Des Moines, IA | $9.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| S&T Bank | Indiana, PA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Stifel Bank | Saint Louis, MO | $14.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Stock Yards Bank & Trust Company | Louisville, KY | $10.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Park National Bank | Newark, OH | $12.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Trust Bank | Spokane, WA | $10.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its five prices, against a peer median of $9.98 among 16 publishing peers.
Its five checking prices are $2, $5, $5, $10 and $15.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First Commonwealth Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.7M | +$214K | +3.9% |
| Q1 2026 | $5.5M | −$298K | −5.1% |
| Q4 2025 | $5.8M | −$85K | −1.4% |
| Q3 2025 | $5.9M | +$318K | +5.7% |
| Q2 2025 | $5.6M | +$157K | +2.9% |
| Q1 2025 | $5.4M | −$311K | −5.4% |
| Q4 2024 | $5.7M | −$91K | −1.6% |
| Q3 2024 | $5.8M | +$294K | +5.3% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, First Commonwealth Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Commonwealth Bank by share.
Amounts from First Commonwealth Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · waived when you complete 5 or more customer-initiated transactions during your statement cycle8
per month · $2 monthly service charge is waived with eStatement enrollment
per month · waived when you complete 5 or more customer-initiated transactions during your statement cycle8
per month
per month
per hour
per item
per item
per item
per day
per day
per item
per item
per item
per item
per item
per item
per item
per item
per page
per month
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Confidence Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived when you complete 5 or more customer-initiated transactions during your statement cycle8 |
| Hometown Checking monthly service charge | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | $2 monthly service charge is waived with eStatement enrollment |
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived when you complete 5 or more customer-initiated transactions during your statement cycle8 |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research (per hour – 1 hour minimum) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excessive Transaction Fee (per item) 10 (audience not stated, treated as personal) | $6Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail Fees (per item) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Fee for Overdraft (OD) occurrence (per paid item) 6 | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds or Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Fee for Non-Sufficient Funds (NSF) occurrence (per unpaid item) 6 | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Fee (OD), per Business Day, beginning on the 5th calendar day of continuous | $8Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Continuous Overdraft fee for each day yo | $8Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Automated Account to Account Transfer of Funds for Overdraft Protection Sweep | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Inquiry (each) 2 | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Transfer (each) 2 | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal (each) 2, 3 | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Debit Card Replacement (each) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Express Issue/Replacement of ATM/Debit or Credit Card (each) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: Outgoing – Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming – Domestic | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing – International | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Incoming – International | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $15Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Order for Client (each) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee (per item) | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks (4 on a sheet) | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Canadian check processing (each plus costs) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Items: Incoming (per item) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies (per page – 12 checks per page) (audience not stated, treated as personal) | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Check Image Fee (per month) 7 | $3Not compared: Monthly charge, not per item | per month | None |
| Deposit Tickets and Associated Checks (per copy) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Night Deposit Service (per year) | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Fees (per document) Only available to clients | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Drilling a Box (includes key replacement) | $150Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
Retirement & IRA | |||
| IRA Early Withdrawal Administrative Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA External Transfer Withdrawal Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Overnight Delivery | $34.95Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Statement Copies (per statement) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Commonwealth Bank operates, and what regulators and customers have on file.
Branch footprint
128 offices in 2 states, $10.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 49 | $4.0B | |
| Outside a metro area | 26 | $2.1B |
| 9 | $957.3M | |
| 13 | $907.8M | |
| 7 | $509.7M | |
| 5 | $476.9M | |
| 4 | $441.3M | |
| 7 | $430.1M |
Pittsburgh, PA
1.9% of bank deposits, #9 of 48, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 47.2% |
| BNY Mellon, National Association | 12.4% |
| TriState Capital Bank | 10.7% |
| First National Bank of Pennsylvania | 5.5% |
| Citizens Bank, National Association | 4.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Pittsburgh, PA, First Commonwealth Bank holds 1.9% of bank deposits, #9 of 48, with 49 offices.
878 offices of 129 institutions shown.
Showing 878 of 879 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 48 institutions shown. $209.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.9% share, 49 offices, #9 of 48
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
208 offices of 92 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
39 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 8 |
| Problem caused by your funds being low | 8 |
| Repossession | 5 |
| Incorrect information on your report | 4 |
| Problem with a lender or other company charging your account | 3 |
| Improper use of your report | 2 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.