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Dec 31, 2025
First Commonwealth Q4 2025 Earnings Report
First Commonwealth reported higher earnings and stable profitability metrics in Q4 2025.
Key Takeaways
First Commonwealth delivered solid financial performance in Q4 2025 with increased net income, improved net interest margin, and strong capital levels, despite modest loan growth and slightly higher nonperforming loans.
Net income rose to $44.9 million, up from $41.3 million in Q3 2025
EPS was $0.43, with core EPS matching at $0.43
Net interest margin increased to 3.98%, reflecting higher loan yields
Allowance for credit losses held steady at 1.32% of loans
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company anticipates continued margin strength and balance sheet growth, with a cautious view on credit quality and deposit pressures.
Positive Outlook
- Strong net interest margin expansion
- Improved profitability metrics
- Solid core deposit growth
- Healthy capital levels with new repurchase authorization
- Consistent noninterest income from diverse sources
Challenges Ahead
- Increase in nonperforming loans
- Slight decline in end-of-period deposits
- Higher noninterest expense driven by salary and software costs
- Limited loan growth despite higher balances in select segments
- Provision expense remains elevated relative to long-term averages
Historical Earnings Impact
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Avg. Return Before/After Earnings
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