First Commonwealth Bank

Headquarters: Indiana, Pennsylvania
Charter: Bank
Assets: $12.2B
Fed district: Cleveland
Regulator: FDIC
Holding company: First Commonwealth Financial Corp.

25 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 21, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: First Commonwealth Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

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
First Commonwealth Bank: $2 to $15
First Commonwealth Bank: $2 to $15
U.S. median: no median
Overdraft (OD)
First Commonwealth Bank: $35
First Commonwealth Bank: $35
U.S. median: no median
NSF / Returned Item
First Commonwealth Bank: $35
First Commonwealth Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 2.9% from Q3 2025 to Q2 2026, to $5.7M.

Service-charge income, Q2 2026

$5.7M

$5.9MQ3 2025

$5.8MQ4 2025

$5.5MQ1 2026

$5.7MQ2 2026

Against the median

First Commonwealth BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$9.8B to $14.6B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.98 (50%) below the median of similar-sized banks.

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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Commonwealth Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Commonwealth Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $5.7M
vs prior quarter: +$214K+3.9%; from Q1 2026
vs a year earlier: +$149K+2.7%; from Q2 2025
vs start of range: −$96K−1.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Commonwealth Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Commonwealth Bank’s own schedules, with a source for each figure.

Account Maintenance

Confidence Checking Monthly service charge$5
per month · waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Hometown Checking monthly service charge$2
per month · $2 monthly service charge is waived with eStatement enrollment
Monthly service charge$5
per month · waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Monthly Service Charge$10
per month
Monthly Service Charge$15
per month
Account Inactivity Fee$5
Research (per hour – 1 hour minimum) (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement FeeNo charge
Excessive Transaction Fee (per item) 10 (audience not stated, treated as personal)$6
per item
Return Mail Fees (per item)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for Overdraft (OD) occurrence (per paid item) 6$35
Non-Sufficient Funds or Overdraft fee$35
per item
Fee for Non-Sufficient Funds (NSF) occurrence (per unpaid item) 6$35
Continuous Overdraft Fee (OD), per Business Day, beginning on the 5th calendar day of continuous$8
per day
Continuous Overdraft fee for each day yo$8
per day
Automated Account to Account Transfer of Funds for Overdraft Protection Sweep$15

ATM & Card

ATM Inquiry (each) 2$3
per item
ATM Transfer (each) 2$3
per item
ATM Withdrawal (each) 2, 3$3
per item
ATM/Debit Card Replacement (each)No charge
Express Issue/Replacement of ATM/Debit or Credit Card (each)$30
per item

Wire Transfers

Wire Transfers: Outgoing – Domestic$25
Wire Transfers: Incoming – Domestic$20
Wire Transfers: Outgoing – International$55
Wire Transfers: Incoming – International$20

Check Services

Official Checks$15
Personal Money Order for Client (each)$5
per item
Stop Payment Fee (per item)$32
per item
Counter Checks (4 on a sheet)$4
Canadian check processing (each plus costs)$10
per item
Collection Items: Incoming (per item)$25
per item
Check Copies (per page – 12 checks per page) (audience not stated, treated as personal)$5
Not compared: Charged per page; comparison unavailable
per page
Check Image Fee (per month) 7$3
Not compared: Monthly charge, not per item
per month
Deposit Tickets and Associated Checks (per copy) (audience not stated, treated as personal)$5
per item

Cash & Deposit

Night Deposit Service (per year)$25
Not compared: Annual charge, not per item
per year

Account Services

Notary Fees (per document) Only available to clients$5
per item
Drilling a Box (includes key replacement)$150
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee

Retirement & IRA

IRA Early Withdrawal Administrative Fee$25
IRA External Transfer Withdrawal Fee$50

Other Fees

Overnight Delivery$34.95
Statement Copies (per statement) (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Confidence Checking Monthly service charge	$5	per month	waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Hometown Checking monthly service charge	$2	per month	$2 monthly service charge is waived with eStatement enrollment
Monthly service charge	$5	per month	waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Monthly Service Charge	$10	per month	None
Monthly Service Charge	$15	per month	None
Account Inactivity Fee	$5	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 charge	Not stated	None
Excessive Transaction Fee (per item) 10 (audience not stated, treated as personal)	$6	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	$35	Not stated	None
Non-Sufficient Funds or Overdraft fee	$35	per item	None
Fee for Non-Sufficient Funds (NSF) occurrence (per unpaid item) 6	$35	Not stated	None
Continuous Overdraft Fee (OD), per Business Day, beginning on the 5th calendar day of continuous	$8	per day	None
Continuous Overdraft fee for each day yo	$8	per day	None
Automated Account to Account Transfer of Funds for Overdraft Protection Sweep	$15	Not stated	None
ATM & Card
ATM Inquiry (each) 2	$3	per item	None
ATM Transfer (each) 2	$3	per item	None
ATM Withdrawal (each) 2, 3	$3	per item	None
ATM/Debit Card Replacement (each)	No charge	Not stated	None
Express Issue/Replacement of ATM/Debit or Credit Card (each)	$30	per item	None
Wire Transfers
Wire Transfers: Outgoing – Domestic	$25	Not stated	None
Wire Transfers: Incoming – Domestic	$20	Not stated	None
Wire Transfers: Outgoing – International	$55	Not stated	None
Wire Transfers: Incoming – International	$20	Not stated	None
Check Services
Official Checks	$15	Not stated	None
Personal Money Order for Client (each)	$5	per item	None
Stop Payment Fee (per item)	$32	per item	None
Counter Checks (4 on a sheet)	$4	Not stated	None
Canadian check processing (each plus costs)	$10	per item	None
Collection Items: Incoming (per item)	$25	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)	$5	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	$5	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	$25	Not stated	None
IRA External Transfer Withdrawal Fee	$50	Not stated	None
Other Fees
Overnight Delivery	$34.95	Not stated	None
Statement Copies (per statement) (audience not stated, treated as personal)	$5	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

Correct a fee source

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.

Branches and public record

Where First Commonwealth Bank operates, and what regulators and customers have on file.

Market position

In Pittsburgh, PA, First Commonwealth Bank holds 1.9% of bank deposits, #9 of 48, with 49 offices.

Compare fees with the 67 Pittsburgh, PA banks and credit unions in its home-metro peer set →

Offices in the metro

878 offices of 129 institutions shown.

First Commonwealth BankOther banksCredit unions

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).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Pittsburgh, PA metro (FDIC metro code 38300), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 25 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1PNC Bank, National Association47.2%
2BNY Mellon, National Association12.4%
3TriState Capital Bank10.7%
4First National Bank of Pennsylvania5.5%
5Citizens Bank, National Association4.9%
6Dollar Bank, Federal Savings Bank3.4%
7The Huntington National Bank2.5%
8KeyBank National Association2.1%
9First Commonwealth Bank1.9%

9 of 48 institutions shown. $209.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Pittsburgh, PA metro (FDIC metro code 38300)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Pittsburgh, PA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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

Checking or savings account
Credit reporting or other personal consumer reports
Vehicle loan or lease
Mortgage
Other

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 4, 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

Get an email when First Commonwealth Bank's cashier's check changes in our data

We check once a day and send one email covering every change.