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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

 

ý			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2026

Or

☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from             to            

Commission File Number 001-11138

First Commonwealth Financial Corporation

(Exact name of registrant as specified in its charter)

Pennsylvania									25-1428528
(State or other jurisdiction of incorporation or organization)									(I.R.S. Employer Identification No.)
601 Philadelphia Street
Indiana			PA						15701
(Address of principal executive offices)									(Zip Code)

724-349-7220

(Registrant’s telephone number, including area code)

N/A

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $1.00 par value			FCF			New York Stock Exchange

Indicate by a check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x    No  ¨.

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  x    No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer  x    Accelerated filer  ¨    Smaller reporting company ☐ Emerging growth company  ☐

Non-accelerated filer  ¨ (Do not check if a smaller reporting company) 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No x

The number of shares outstanding of issuer’s common stock, $1.00 par value, as of August 7, 2026, was 101,055,925.

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Table of Contents

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

FORM 10-Q

INDEX

 

						PAGE
PART I.			Financial Information
ITEM 1.			Financial Statements and Supplementary Data
			Included in Part I of this report:
			First Commonwealth Financial Corporation and Subsidiaries
			Consolidated Statements of Financial Condition (Unaudited)			3
			Consolidated Statements of Income (Unaudited)			4
			Consolidated Statements of Comprehensive Income (Unaudited)			5
			Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)			6
			Consolidated Statements of Cash Flows (Unaudited)			8
			Notes to the Unaudited Consolidated Financial Statements			10
ITEM 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			59
ITEM 3.			Quantitative and Qualitative Disclosures About Market Risk			86
ITEM 4.			Controls and Procedures			86
PART II.			Other Information
ITEM 1.			Legal Proceedings			87
ITEM 1A.			Risk Factors			87
ITEM 2.			Unregistered Sales of Equity Securities and Use of Proceeds			87
ITEM 3.			Defaults Upon Senior Securities			87
ITEM 4.			Mine Safety Disclosures			87
ITEM 5.			Other Information			87
ITEM 6.			Exhibits			88
			Signatures			89

2

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Table of Contents

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited)

			June 30, 2026						December 31, 2025
			(dollars in thousands, except share data)
Assets
Cash and due from banks			$	110,327					$	103,280
Interest-bearing bank deposits			69,308						77,082
Securities available for sale, at fair value			1,092,201						1,014,194
Securities held to maturity, at amortized cost (Fair value of $521,253 and $470,665 at June 30, 2026 and December 31, 2025, respectively)			574,542						519,422
Other investments			34,372						38,295
Loans held for sale (Includes fair value of $42,682 and $46,071 at June 30, 2026 and December 31, 2025, respectively)			44,764						271,452
Loans and leases:
Portfolio loans and leases			9,467,229						9,508,039
Allowance for credit losses			(127,425)						(125,768)
Net loans and leases			9,339,804						9,382,271
Premises and equipment, net			113,017						114,283
Other real estate owned			2,270						990
Goodwill			378,214						378,214
Amortizing intangibles, net			20,113						22,015
Bank owned life insurance			234,188						233,154
Other assets			194,706						188,384
Total assets			$	12,207,826					$	12,343,036
Liabilities
Deposits (all domestic):
Noninterest-bearing			$	2,413,605					$	2,372,771
Interest-bearing			7,846,456						7,878,198
Total deposits			10,260,061						10,250,969
Short-term borrowings			137,946						147,966
Subordinated debentures			121,683						128,466
Other long-term debt			—						129,555
Capital lease obligation			3,401						3,721
Total long-term debt			125,084						261,742
Other liabilities			115,567						127,983
Total liabilities			10,638,658						10,788,660
Shareholders’ Equity
Preferred stock, $1 par value per share, 3,000,000 shares authorized, none issued			—						—
Common stock, $1 par value per share, 200,000,000 shares authorized; 126,599,991 shares issued at both June 30, 2026 and December 31, 2025, and 101,101,529 and 102,840,771 shares outstanding at June 30, 2026 and December 31, 2025, respectively			126,600						126,600
Additional paid-in capital			676,845						675,745
Retained earnings			1,121,960						1,067,895
Accumulated other comprehensive loss, net			(70,709)						(64,600)
Treasury stock (25,498,462 and 23,759,220 shares at June 30, 2026 and December 31, 2025, respectively)			(285,528)						(251,264)
Total shareholders’ equity			1,569,168						1,554,376
Total liabilities and shareholders’ equity			$	12,207,826					$	12,343,036

The accompanying notes are an integral part of these unaudited consolidated financial statements.

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Table of Contents

ITEM 1. Financial Statements and Supplementary Data (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

			For the Three Months Ended												For the Six Months Ended
			June 30,												June 30,
			2026						2025						2026						2025
			(dollars in thousands, except share data)
Interest Income
Interest and fees on loans and leases			$	142,697					$	142,972					$	284,598					$	275,106
Interest and dividends on investments:
Taxable interest			14,478						14,448						27,129						27,916
Interest exempt from federal income taxes			87						91						173						186
Dividends			537						694						1,150						1,231
Interest on bank deposits			1,523						721						3,490						1,615
Total interest income			159,322						158,926						316,540						306,054
Interest Expense
Interest on deposits			44,918						47,919						90,369						95,923
Interest on short-term borrowings			146						1,506						315						1,866
Interest on subordinated debentures			1,782						1,838						3,572						3,676
Interest on other long-term debt			—						1,381						798						2,743
Interest on lease obligations			34						41						70						83
Total interest expense			46,880						52,685						95,124						104,291
Net Interest Income			112,442						106,241						221,416						201,763
Provision for credit losses			8,931						8,898						19,664						14,634
Provision for credit losses - acquisition day 1 non-PCD			—						3,759						—						3,759
Net Interest Income after Provision for Credit Losses			103,511						93,584						201,752						183,370
Noninterest Income
Net securities gains (losses)			311						—						540						(5,142)
Gain on sale of VISA			—						—						—						5,146
Trust income			3,583						3,029						6,991						6,051
Service charges on deposit accounts			5,744						5,595						11,274						11,033
Insurance and retail brokerage commissions			3,085						3,097						6,352						6,267
Income from bank owned life insurance			2,144						1,938						3,940						3,440
Gain on sale of mortgage loans			2,337						1,836						4,552						3,223
Gain on sale of other loans and assets			2,028						2,217						4,210						3,605
Gain on early redemption of subordinated debt			806						—						806						—
Card-related interchange income			4,005						3,998						7,666						7,652
Derivatives mark to market			95						—						89						(153)
Swap fee income			383						439						505						1,274
Other income			2,476						2,600						4,659						4,855
Total noninterest income			26,997						24,749						51,584						47,251
Noninterest Expense
Salaries and employee benefits			42,734						40,584						85,608						80,999
Net occupancy			5,017						4,894						10,582						10,623
Furniture and equipment			4,174						4,547						8,997						8,740
Data processing			4,152						4,085						8,335						7,902
Advertising and promotion			1,438						1,457						3,109						2,829
Pennsylvania shares tax			1,505						1,338						2,835						2,675
Intangible amortization			1,303						1,311						2,667						2,442
Other professional fees and services			1,650						1,903						2,756						3,523
FDIC insurance			1,147						1,550						2,736						2,929
Loss on sale or write-down of assets			86						71						653						286
Litigation and operational losses			776						470						1,633						1,263
Merger and acquisition related			106						3,955						223						4,064
Other operating			10,147						10,103						19,696						19,243
Total noninterest expense			74,235						76,268						149,830						147,518
Income Before Income Taxes			56,273						42,065						103,506						83,103
Income tax provision			11,684						8,663						21,369						17,005
Net Income			$	44,589					$	33,402					$	82,137					$	66,098
Average Shares Outstanding			101,194,246						103,628,392						101,653,489						102,602,937
Average Shares Outstanding Assuming Dilution			101,558,853						103,928,428						101,970,008						102,886,345
Per Share Data:
Per Share Data: Basic Earnings per Share			$	0.44					$	0.32					$	0.81					$	0.64
Diluted Earnings per Share			$	0.44					$	0.32					$	0.81					$	0.64
Cash Dividends Declared per Common Share			$	0.140					$	0.135					$	0.275					$	0.265

The accompanying notes are an integral part of these unaudited consolidated financial statements.

4

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Table of Contents

ITEM 1. Financial Statements and Supplementary Data (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)

 

			For the Three Months Ended												For the Six Months Ended
			June 30,												June 30,
			2026						2025						2026						2025
			(dollars in thousands)
Net Income			$	44,589					$	33,402					$	82,137					$	66,098
Other comprehensive (loss) income, before tax benefit (expense):
Unrealized holding (losses) gains on securities arising during the period			(3,227)						4,469						(8,472)						21,562
Reclassifcation adjustment for losses (gains) included in net income			(311)						—						(540)						5,142
Unrealized holding gains on derivatives arising during the period			113						1,891						1,280						6,668
Total other comprehensive (loss) income, before tax benefit (expense)			(3,425)						6,360						(7,732)						33,372
Income tax benefit (expense) related to items of other comprehensive (loss) income			719						(1,336)						1,623						(7,008)
Total other comprehensive (loss) income			(2,706)						5,024						(6,109)						26,364
Comprehensive Income			$	41,883					$	38,426					$	76,028					$	92,462

The accompanying notes are an integral part of these unaudited consolidated financial statements.

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Table of Contents

ITEM 1. Financial Statements and Supplementary Data (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited)

			Shares Outstanding						Common Stock						Additional Paid-in- Capital						Retained Earnings						Accumulated Other Comprehensive Income (Loss), net						Treasury Stock												Total Shareholders’ Equity
			(dollars in thousands, except share and per share data)
Balance at December 31, 2025			102,840,771						$	126,600					$	675,745					$	1,067,895					$	(64,600)					$	(251,264)											$	1,554,376
Net income																					82,137																								82,137
Other comprehensive loss																											(6,109)																		(6,109)
Cash dividends declared ($0.275 per share)																					(28,072)																								(28,072)
Treasury stock acquired			(2,050,639)												23																		(36,874)												(36,851)
Treasury stock reissued			212,078												368						—												2,234												2,602
Restricted stock			99,319						—						709						—												376												1,085
Balance at June 30, 2026			101,101,529						$	126,600					$	676,845					$	1,121,960					$	(70,709)					$	(285,528)											$	1,569,168

			Shares Outstanding						Common Stock						Additional Paid-in- Capital						Retained Earnings						Accumulated Other Comprehensive Income (Loss), net						Treasury Stock												Total Shareholders’ Equity
			(dollars in thousands, except share and per share data)
Balance at December 31, 2024			101,758,450						$	123,603					$	631,367					$	971,082					$	(102,514)					$	(218,373)											$	1,405,165
Net income																					66,098																								66,098
Other comprehensive income																											26,364																		26,364
Cash dividends declared ($0.265 per share)																					(27,390)																								(27,390)
Treasury stock acquired			(142,036)																														(2,315)												(2,315)
Treasury stock reissued			190,547												993						—												1,879												2,872
Restricted stock			122,015						—						806						—												259												1,065
Common stock issuance			2,996,611						2,997						42,911																														45,908
Balance at June 30, 2025			104,925,587						$	126,600					$	676,077					$	1,009,790					$	(76,150)					$	(218,550)											$	1,517,767

The accompanying notes are an integral part of these unaudited consolidated financial statements.

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Table of Contents

ITEM 1. Financial Statements and Supplementary Data (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited)

			Shares Outstanding						Common Stock						Additional Paid-in- Capital						Retained Earnings						Accumulated Other Comprehensive Income (Loss), net						Treasury Stock												Total Shareholders’ Equity
			(dollars in thousands, except share and per share data)
Balance at March 31, 2026			101,679,621						$	126,600					$	676,352					$	1,091,594					$	(68,003)					$	(273,846)											$	1,552,697
Net income																					44,589																								44,589
Other comprehensive loss																											(2,706)																		(2,706)
Cash dividends declared ($0.140 per share)																					(14,223)																								(14,223)
Treasury stock acquired			(646,370)												23																		(12,061)												(12,038)
Treasury stock reissued			13,778												104						—												150												254
Restricted stock			54,500						—						366						—												229												595
Common stock issued			—						—						—																														—
Balance at June 30, 2026			101,101,529						$	126,600					$	676,845					$	1,121,960					$	(70,709)					$	(285,528)											$	1,569,168

			Shares Outstanding						Common Stock						Additional Paid-in- Capital						Retained Earnings						Accumulated Other Comprehensive Income (Loss), net						Treasury Stock												Total Shareholders’ Equity
			(dollars in thousands, except share and per share data)
Balance at March 31, 2025			101,927,219						$	123,603					$	632,957					$	990,540					$	(81,174)					$	(218,875)											$	1,447,051
Net income																					33,402																								33,402
Other comprehensive income																											5,024																		5,024
Cash dividends declared ($0.135 per share)																					(14,152)																								(14,152)
Treasury stock acquired			(32,844)																														(508)												(508)
Treasury stock reissued			34,601												191						—												342												533
Restricted stock			—						—						18						—												491												509
Common stock issuance			2,996,611						2,997						42,911						—																								45,908
Balance at June 30, 2025			104,925,587						$	126,600					$	676,077					$	1,009,790					$	(76,150)					$	(218,550)											$	1,517,767

The accompanying notes are an integral part of these unaudited consolidated financial statements.

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Table of Contents

ITEM 1. Financial Statements and Supplementary Data (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)

			For the Six Months Ended
			June 30,
			2026						2025
Operating Activities			(dollars in thousands)
Net income			$	82,137					$	66,098
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for credit losses			19,664						18,393
Deferred tax expense			4,330						518
Depreciation and amortization			3,870						2,941
Net gains on securities and other assets			(8,692)						(6,345)
Net (accretion) amortization of premiums and discounts on securities			(140)						18
Gain on early redemption of subordinated debentures			(806)						—
Income from increase in cash surrender value of bank owned life insurance			(3,492)						(3,274)
Decrease (increase) in interest receivable			1,683						(211)
Mortgage loans originated for sale			(149,414)						(125,825)
Proceeds from sale of mortgage loans			153,529						130,480
Decrease in interest payable			(1,852)						(1,221)
Increase in income taxes payable			1,854						854
Other, net			(12,203)						3,865
Net cash provided by operating activities			90,468						86,291
Investing Activities
Transactions with securities held to maturity:
Proceeds from maturities and redemptions			44,493						35,183
Purchases			(99,787)						(127,860)
Transactions with securities available for sale:
Proceeds from sales			—						69,862
Proceeds from maturities and redemptions			154,301						120,778
Purchases			(240,466)						(111,514)
Proceeds from sale of equity securities			—						5,146
Purchases of FHLB stock			(12,397)						(30,615)
Proceeds from the redemption of FHLB stock			15,770						23,099
Proceeds from the redemption of other investments			550						—
Proceeds from bank owned life insurance			1,804						2,485
Proceeds from sale of loans			250,255						38,073
Proceeds from sale of other assets			4,544						3,459
Net cash received from business acquisition			—						4,672
Net increase in loans and leases			(667)						(323,303)
Purchases of premises and equipment and other assets			(7,624)						(10,399)
Net cash provided by (used in) investing activities			110,776						(300,934)
Financing Activities
Net (decrease) increase in other short-term borrowings			(10,020)						143,235
Net increase in deposits			9,126						148,613
Repayments of other long-term debt			(129,555)						(20,680)
Long-term debt prepayment penalty			(511)						—
Repayments of capital lease obligation			(320)						(300)
Repayments of subordinated debentures			(5,999)						—
Dividends paid			(28,072)						(27,390)
Proceeds from reissuance of treasury stock			254						237
Purchase of treasury stock			(36,874)						(2,315)
Net cash (used in) provided by financing activities			(201,971)						241,400
Net (decrease) increase in cash and cash equivalents			(727)						26,757

The accompanying notes are an integral part of these unaudited consolidated financial statements.

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			For the Six Months Ended
			June 30,
			2026						2025
Operating Activities			(dollars in thousands)
Cash and cash equivalents at January 1			180,362						133,409
Cash and cash equivalents at June 30			$	179,635					$	160,166

The accompanying notes are an integral part of these unaudited consolidated financial statements.

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

Note 1 Basis of Presentation

The accounting and reporting policies of First Commonwealth Financial Corporation and subsidiaries (“First Commonwealth” or the “Company”) conform with generally accepted accounting principles in the United States of America (“GAAP”). The preparation of financial statements in conformity with GAAP requires management to make estimates, assumptions and judgments that affect the amounts reported in the financial statements and accompanying notes. Actual realized amounts could differ from those estimates. In the opinion of management, the unaudited interim consolidated financial statements include all adjustments (consisting of only normal recurring adjustments) necessary for a fair presentation of First Commonwealth’s financial position, results of operations, comprehensive income, cash flows and changes in shareholders’ equity as of and for the periods presented. Certain information and Note disclosures normally included in Consolidated Financial Statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC.

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest-bearing bank deposits. Generally, federal funds are sold for one-day periods.

The results of operations for the six months ended June 30, 2026 are not necessarily indicative of the results that may be expected for the full year of 2026. These interim financial statements should be read in conjunction with First Commonwealth’s 2025 Annual Report on Form 10-K.

Note 2 Acquisition

On April 30, 2025, the Company completed its acquisition of CenterGroup Financial, Inc. (“Center”) and its banking subsidiary, CenterBank, for consideration of 3,016,009 shares of the Company's common stock. Through the acquisition, the Company obtained three full-service banking offices, a loan production office and a mortgage office, all located in the Cincinnati, Ohio market.

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The table below summarizes the net assets acquired (at fair value) and consideration transferred in connection with the Center acquisition (dollars in thousands):

Consideration paid
Cash paid to shareholders - fractional shares			$	1
Shares issued to shareholders (3,016,009 shares)			46,205
Total consideration paid						$	46,206
Fair value of assets acquired
Cash and due from banks			4,672
Investment securities			21,396
FHLB stock			3,144
Loans, including loans held for sale			291,852
Premises and equipment			4,276
Core deposit intangible			5,355
Bank owned life insurance			430
Other assets			5,039
Total assets acquired						336,164
Fair value of liabilities assumed
Deposits			277,980
Borrowings			22,785
Other liabilities			3,692
Total liabilities assumed						304,457
Total fair value of identifiable net assets						$	31,707
Goodwill						$	14,499

The Company determined that this acquisition constitutes a business combination and therefore was accounted for using the acquisition method of accounting. Accordingly, as of the date of the acquisition, the Company recorded the assets acquired, liabilities assumed and consideration paid at fair value. The $14.5 million excess of the consideration paid over the fair value of assets acquired was recorded as goodwill and is not amortizable or deductible for tax purposes. The amount of goodwill arising from the acquisition consists largely of the synergies and economies of scale expected from combining the operations of the Company with Center.

The fair value of the 3,016,009 common shares issued was determined based on the $15.32 closing market price of the Company's common shares on the acquisition date, April 30, 2025.

The valuation of acquired assets and liabilities was completed in the third quarter of 2025. The following is a description of the valuation methodologies used to estimate the fair values of major categories of assets acquired and liabilities assumed. The Company used an independent valuation specialist to assist with the determination of fair values for certain acquired assets and assumed liabilities.

Cash and due from banks - The estimated fair value was determined to approximate the carrying amount of these assets.

Investment securities - The estimated fair value of the investment portfolio was based on quoted market prices.

Loans - The estimated fair value of loans was based on a discounted cash flow methodology applied on a pooled basis for non- purchased credit-deteriorated ("non-PCD") loans and on an individual basis for purchased credit-deteriorated ("PCD") loans. The valuation considered underlying characteristics including loan type, term, rate, payment schedule and credit rating. Other factors included assumptions related to prepayments, the probability of default and loss given default. The discount rates applied were based on a build-up approach considering the funding mix, servicing costs, liquidity premium and factors related to performance risk.

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Acquired loans are classified into two categories: PCD loans and non-PCD loans. PCD loans are defined as a loan or group of loans that have experienced more than insignificant credit deterioration since origination. Non-PCD loans will have an allowance established on acquisition date, which is recognized as an expense through provision for credit losses. For PCD loans, an allowance is recognized on day 1 by adding it to the fair value of the loan, which is the “Day 1 amortized cost”. There is no provision for credit loss expense recognized on PCD loans because the initial allowance is established by grossing-up the amortized cost of the PCD loan.

A day 1 allowance for credit losses of $3.4 million related to non-PCD loans and $0.4 million related to the off-balance sheet commitment liability was recorded through the provision for credit losses within the Consolidated Statements of Income. At the date of acquisition, of the $303.7 million of portfolio loans acquired from Center, $29.2 million, or 9.6%, of Center's loan portfolio, was accounted for as PCD loans as of May 1, 2025.

Premise and equipment - The estimated fair value of land and buildings were determined by independent market-based appraisals.

Core deposit intangible - The core deposit intangible was valued utilizing the cost savings method approach, which recognizes the cost savings represented by the expense of maintaining the core deposit base versus the cost of an alternative funding source. The valuation incorporates assumptions related to account retention, discount rates, deposit interest rates, deposit maintenance costs and alternative funding rates.

Time deposits - The estimated fair value of time deposits was determined using a discounted cash flow approach incorporating a discount rate equal to current market interest rates offered on time deposits with similar terms and maturities.

Borrowings - The estimated fair value of short-term borrowings was determined to approximate stated value. Long-term debt with the Federal Home Loan Bank of Cincinnati was valued using the prepayment penalty for payoff on April 30, 2025.

The following table provides details related to the fair value of acquired PCD loans as of April 30, 2025.

			Unpaid Principal Balance						PCD Allowance for Credit Loss at Acquisition						(Discount) Premium on Acquired Loans						Fair Value of PCD Loans at Acquisition
			(dollars in thousands)
Commercial, financial, agricultural and other			$	13,302					$	(1,616)					$	(487)					$	11,199
Time and demand			13,302						(1,616)						(487)						11,199
Real estate construction			2,442						(810)						(54)						1,578
Construction other			557						(182)						(17)						358
Construction residential			1,885						(628)						(37)						1,220
Residential real estate			3,845						(45)						(138)						3,662
Residential first lien			3,372						(38)						(137)						3,197
Residential junior lien/home equity			473						(7)						(1)						465
Commercial real estate			9,604						(1,087)						(330)						8,187
Multifamily			1,210						(120)						(78)						1,012
Non-owner occupied			5,330						(943)						(184)						4,203
Owner occupied			3,064						(24)						(68)						2,972
Loans to individuals			30						(2)						—						28
Automobile and recreational vehicles			14						(1)						—						13
Consumer other			16						(1)						—						15
Total loans and leases			$	29,223					$	(3,560)					$	(1,009)					$	24,654

12

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following table provides details related to the fair value and Day 1 provision related to the acquired non-PCD loans as of April 30, 2025.

			Unpaid Principal Balance						(Discount) Premium on Acquired Loans						Fair Value of Non-PCD Loans at Acquisition						Day 1 Provision for Credit Losses - Non-PCD Loans
			(dollars in thousands)
Commercial, financial, agricultural and other			$	50,555					$	(2,137)					$	48,418					$	630
Time and demand			50,535						(2,137)						48,398						630
Time and demand other			20						—						20						—
Real estate construction			32,074						(941)						31,133						691
Construction other			18,829						(472)						18,357						445
Construction residential			13,245						(469)						12,776						246
Residential real estate			82,609						(3,396)						79,213						665
Residential first lien			67,906						(3,145)						64,761						556
Residential junior lien/home equity			14,703						(251)						14,452						109
Commercial real estate			108,843						(3,550)						105,293						1,389
Multifamily			17,405						(481)						16,924						180
Non-owner occupied			43,927						(1,763)						42,164						512
Owner occupied			47,511						(1,306)						46,205						697
Loans to individuals			357						(10)						347						4
Automobile and recreational vehicles			337						(9)						328						4
Consumer other			20						(1)						19						—
Total loans and leases			$	274,438					$	(10,034)					$	264,404					$	3,379

Total costs related to the acquisition was $4.6 million, of which $0.1 million and $0.2 million were recognized in the three and six months ended June 30, 2026, respectively. These amounts were expensed as incurred and are recorded as a merger and acquisition related expense in the Consolidated Statements of Income.

As a result of the full integration of the operations of Center, it is not practicable to determine revenue or net income included in the Company's operating results relating to Center since the date of acquisition as Center's results cannot be separately identified.

13

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 3 Supplemental Comprehensive Income Disclosures

The following table identifies the related tax effects allocated to each component of other comprehensive income (“OCI”) in the unaudited Consolidated Statements of Comprehensive Income. Reclassification adjustments related to securities available for sale are included in the "Net securities gains (losses)" line in the unaudited Consolidated Statements of Income.

			For the Six Months Ended June 30,
			2026																		2025
			Pretax Amount						Tax (Expense) Benefit						Net of Tax Amount						Pretax Amount						Tax (Expense) Benefit						Net of Tax Amount
			(dollars in thousands)
Unrealized (losses) gains on securities:
Unrealized holding (losses) gains on securities arising during the period			$	(8,472)					$	1,785					$	(6,687)					$	21,562					$	(4,528)					$	17,034
Reclassification adjustment for (gains) losses on securities included in net income			(540)						114						(426)						5,142						(1,080)						4,062
Total unrealized (losses) gains on securities			(9,012)						1,899						(7,113)						26,704						(5,608)						21,096
Unrealized gains on derivatives:
Unrealized holding gains on derivatives arising during the period			1,280						(276)						1,004						6,668						(1,400)						5,268
Total unrealized gains on derivatives			1,280						(276)						1,004						6,668						(1,400)						5,268
Total other comprehensive (loss) income			$	(7,732)					$	1,623					$	(6,109)					$	33,372					$	(7,008)					$	26,364

			For the Three Months Ended June 30,
			2026																		2025
			Pretax Amount						Tax (Expense) Benefit						Net of Tax Amount						Pretax Amount						Tax (Expense) Benefit						Net of Tax Amount
			(dollars in thousands)
Unrealized (losses) gains on securities:
Unrealized holding (losses) gains on securities arising during the period			$	(3,227)					$	678					$	(2,549)					$	4,469					$	(939)					$	3,530
Reclassification adjustment for gains on securities included in net income			(311)						66						(245)						—						—						—
Total unrealized (losses) gains on securities			(3,538)						744						(2,794)						4,469						(939)						3,530
Unrealized gains on derivatives:
Unrealized holding gains on derivatives arising during the period			113						(25)						88						1,891						(397)						1,494
Total unrealized gains on derivatives			113						(25)						88						1,891						(397)						1,494
Total other comprehensive (loss) income			$	(3,425)					$	719					$	(2,706)					$	6,360					$	(1,336)					$	5,024

14

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following table details the change in components of OCI for the six months ended June 30:

			2026															2025
			Securities Available for Sale			Post-Retirement Obligation			Derivatives			Accumulated Other Comprehensive Income (Loss)						Securities Available for Sale			Post-Retirement Obligation			Derivatives			Accumulated Other Comprehensive Income (Loss)
			(dollars in thousands)
Balance at December 31			$	(64,381)		$	381		$	(600)		$	(64,600)					$	(94,403)		$	339		$	(8,450)		$	(102,514)
Other comprehensive (loss) income before reclassification adjustment			(6,687)			—			1,004			(5,683)						17,034			—			5,268			22,302
Amounts reclassified from accumulated other comprehensive (loss) income			(426)			—			—			(426)						4,062			—			—			4,062
Net other comprehensive (loss) income during the period			(7,113)			—			1,004			(6,109)						21,096			—			5,268			26,364
Balance at June 30			$	(71,494)		$	381		$	404		$	(70,709)					$	(73,307)		$	339		$	(3,182)		$	(76,150)

The following table details the change in components of OCI for the three months ended June 30:

			2026															2025
			Securities Available for Sale			Post-Retirement Obligation			Derivatives			Accumulated Other Comprehensive Income (Loss)						Securities Available for Sale			Post-Retirement Obligation			Derivatives			Accumulated Other Comprehensive Income (Loss)
			(dollars in thousands)
Balance at March 31			$	(68,700)		$	381		$	316		$	(68,003)					$	(76,837)		$	339		$	(4,676)		$	(81,174)
Other comprehensive (loss) income before reclassification adjustment			(2,549)			—			88			(2,461)						3,530			—			1,494			5,024
Amounts reclassified from accumulated other comprehensive (loss) income			(245)			—			—			(245)						—			—			—			—
Net other comprehensive (loss) income during the period			(2,794)			—			88			(2,706)						3,530			—			1,494			5,024
Balance at June 30			$	(71,494)		$	381		$	404		$	(70,709)					$	(73,307)		$	339		$	(3,182)		$	(76,150)

Note 4 Supplemental Cash Flow Disclosures

The following table presents information related to cash paid during the period for interest and income taxes, as well as detail on non-cash investing and financing activities for the six months ended June 30:

			2026						2025
			(dollars in thousands)
Cash paid during the period for:
Interest			$	96,970					$	105,444
Income taxes			14,558						8,171
Non-cash investing and financing activities:
Loans transferred to other real estate owned and repossessed assets			4,949						2,985
Loans transferred from held to maturity to held for sale			29,287						34,058
Loans transferred from held for sale to held to maturity			(25,170)						(4,425)
Gross (decrease) increase in market value adjustment to securities available for sale			(9,012)						26,704
Gross increase in market value adjustment to derivatives			1,281						6,668
Noncash treasury stock reissuance			2,348						2,339
Excise tax on treasury stock repurchased			(23)						—
Net assets acquired through acquisition			—						26,595
Proceeds from death benefit on bank owned life insurance not received			654						304

15

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 5 Earnings per Share

The following table summarizes the composition of the weighted-average common shares (denominator) used in the basic and diluted earnings per share computations:

			For the Three Months Ended June 30,												For the Six Months Ended June 30,
			2026						2025						2026						2025
Weighted average common shares issued			126,599,991						125,612,097						126,599,991						124,613,288
Average treasury stock shares			(25,125,093)						(21,656,080)						(24,685,464)						(21,700,837)
Average deferred compensation shares			(56,742)						(56,581)						(56,724)						(56,562)
Average unearned non-vested shares			(223,910)						(271,044)						(204,314)						(252,952)
Weighted average common shares and common stock equivalents used to calculate basic earnings per share			101,194,246						103,628,392						101,653,489						102,602,937
Additional common stock equivalents (non-vested stock) used to calculate diluted earnings per share			308,025						243,412						259,937						226,784
Additional common stock equivalents (deferred compensation) used to calculate diluted earnings per share			56,582						56,624						56,582						56,624
Weighted average common shares and common stock equivalents used to calculate diluted earnings per share			101,558,853						103,928,428						101,970,008						102,886,345
Per Share Data:
Basic Earnings per Share			$	0.44					$	0.32					$	0.81					$	0.64
Diluted Earnings per Share			$	0.44					$	0.32					$	0.81					$	0.64

The following table shows the number of shares and the price per share related to common stock equivalents that were not included in the computation of diluted earnings per share for the six months ended June 30, because to do so would have been antidilutive.

			2026																		2025
									Price Range																		Price Range
			Shares						From						To						Shares						From						To
Restricted Stock			101,140						$	12.39					$	18.64					126,903						$	12.70					$	18.62
Restricted Stock Units			—						$	—					$	—					39,950						$	18.14					$	18.14

Note 6 Commitments and Contingent Liabilities

Commitments and Letters of Credit

Standby letters of credit and commercial letters of credit are conditional commitments issued by First Commonwealth to guarantee the performance of a customer to a third party. The contract or notional amount of these instruments reflects the maximum amount of future payments that First Commonwealth could be required to pay under the guarantees if there were a total default by the guaranteed parties, without consideration of possible recoveries under recourse provisions or from collateral held or pledged. In addition, many of these commitments are expected to expire without being drawn upon; therefore, the total commitment amounts do not necessarily represent future cash requirements.

The following table identifies the notional amount of those instruments at the date shown below:

			June 30, 2026						December 31, 2025
			(dollars in thousands)
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit			$	2,355,525					$	2,425,873
Financial standby letters of credit			13,882						14,371
Performance standby letters of credit			13,834						16,620
Commercial letters of credit			459						569

 

16

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The notional amounts outstanding as of June 30, 2026 include amounts issued in 2026 of $0.9 million in performance standby letters of credit. There were no financial standby letters of credit or commercial letters of credit issued in 2026. A liability of $0.3 million has been recorded as of both June 30, 2026 and December 31, 2025, which represents the estimated fair value of letters of credit issued. The fair value of letters of credit is estimated based on the unrecognized portion of fees received at the time the commitment was issued.

Unused commitments and letters of credit provide exposure to future credit loss in the event of nonperformance by the borrower or guaranteed parties. Management’s evaluation of the credit risk related to these commitments resulted in the recording of a liability of $6.6 million and $8.2 million as of June 30, 2026 and December 31, 2025, respectively. This liability is reflected in "Other liabilities" in the unaudited Consolidated Statements of Financial Condition. The credit risk evaluation incorporates the expected loss percentage calculated for comparable loan categories as part of the allowance for credit losses for loans as well as estimated utilization for each loan category.

Legal Proceedings

First Commonwealth and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of June 30, 2026, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against First Commonwealth or its subsidiaries will be material to First Commonwealth’s consolidated financial position. On at least a quarterly basis, First Commonwealth assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that First Commonwealth will incur losses and the amounts of the losses can be reasonably estimated, First Commonwealth records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. Although not considered probable, the range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability (if any), is between $0 and $1 million. Although First Commonwealth does not believe that the outcome of pending litigation will be material to First Commonwealth’s consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations and cash flows for a particular reporting period in the future.

17

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 7 Investment Securities

Securities Available for Sale

Below is an analysis of the amortized cost and estimated fair values of securities available for sale at:

			June 30, 2026																								December 31, 2025
			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value						Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities – Residential			$	2,445					$	15					$	(177)					$	2,283					$	2,638					$	23					$	(165)					$	2,496
Mortgage-Backed Securities – Commercial			686,051						854						(47,273)						639,632						701,572						3,788						(43,671)						661,689
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			444,090						645						(43,821)						400,914						336,493						1,087						(42,057)						295,523
Other Government-Sponsored Enterprises			1,000						—						(1)						999						1,000						—						(16)						984
Obligations of States and Political Subdivisions			7,560						1						(612)						6,949						7,560						1						(590)						6,971
Corporate Securities			42,104						334						(1,014)						41,424						46,969						782						(1,220)						46,531
Total Debt Securities Available for Sale			$	1,183,250					$	1,849					$	(92,898)					$	1,092,201					$	1,096,232					$	5,681					$	(87,719)					$	1,014,194

Mortgage-backed securities include mortgage-backed obligations of U.S. Government agencies and obligations of U.S. Government-sponsored enterprises. These obligations have contractual maturities ranging from less than one year to approximately 41 years, with lower anticipated lives to maturity due to prepayments. All mortgage-backed securities contain a certain amount of risk related to the uncertainty of prepayments of the underlying mortgages. Interest rate changes have a direct impact upon prepayment speeds; therefore, First Commonwealth uses computer simulation models to test the average life and yield volatility of all mortgage-backed securities under various interest rate scenarios to monitor the potential impact on earnings and interest rate risk positions.

Expected maturities will differ from contractual maturities because issuers may have the right to call or repay obligations with or without call or prepayment penalties. Other fixed income securities within the portfolio also contain prepayment risk.

18

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The amortized cost and estimated fair value of debt securities available for sale at June 30, 2026, by contractual maturity, are shown below.

			Amortized Cost						Estimated Fair Value
			(dollars in thousands)
Due within 1 year			$	1,000					$	998
Due after 1 but within 5 years			27,636						26,903
Due after 5 but within 10 years			22,028						21,471
Due after 10 years			—						—
			50,664						49,372
Mortgage-Backed Securities (a)			1,132,586						1,042,829
Total Debt Securities			$	1,183,250					$	1,092,201

(a)  Mortgage-backed and collateralized mortgage securities, which have prepayment provisions, are not assigned to maturity categories due to fluctuations in their prepayment speeds. Mortgage-Backed Securities include an amortized cost of $688.5 million and a fair value of $641.9 million for Obligations of U.S. Government agencies issued by Ginnie Mae and an amortized cost of $444.1 million and a fair value of $400.9 million for Obligations of U.S. Government-sponsored enterprises issued by Fannie Mae and Freddie Mac.

 

Proceeds from sales, gross gains (losses) realized on sales, calls and maturities related to securities held to maturity and securities available for sale were as follows for the six months ended June 30:

			2026						2025
			(dollars in thousands)
Proceeds from sales			$	—					$	69,862
Gross gains (losses) realized:
Sales transactions:
Gross gains			$	—					$	—
Gross losses			—						(5,142)
			—						(5,142)
Maturities
Gross gains			540						—
Gross losses			—						—
			540						—
Net gains (losses)			$	540					$	(5,142)

For the six months ended June 30, 2026, gains from maturities in the above table are related to the call of two corporate

securities.

For the six months ended June 30, 2025, proceeds from sales included in the above table are a result of management selling $53.7 million in available for sale investment securities yielding 2.61% and reinvesting the proceeds into securities yielding 5.41%. Additionally, $21.4 million in proceeds from sales are a result of the sale of investments acquired as part of the Center acquisition. All of the acquired investments were recorded at fair value at the time of acquisition and subsequently sold at the same value.

Securities available for sale with an estimated fair value of $591.1 million and $624.0 million were pledged as of June 30, 2026 and December 31, 2025, respectively, to secure public deposits and for other purposes required or permitted by law.

Equity Securities

During the second quarter of 2024, Visa commenced an exchange offer for any and all outstanding shares of its Class B-1 common stock for a combination of Visa's Class B-2 common stock, Class C common stock and, where applicable, cash in lieu of fractional shares. As part of this exchange, each share of Class B-1 common stock would be exchanged for one half share of the newly issued Class B-2 common stock and Class C common stock would be issued in an amount equivalent to one half of a share of Class B-1 common stock. The Company opted to participate in this exchange offer prior to its expiration and received

19

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

13,340 Class B-2 shares and 5,294 Class C shares. In 2024, the Class C shares were sold at fair value resulting in a gain of $5.7 million. During the first quarter of 2025, the Class B-2 shares, which were carried with a zero basis, were sold, resulting in a $5.1 million gain.

Securities Held to Maturity

Below is an analysis of the amortized cost and fair values of debt securities held to maturity at:

			June 30, 2026																								December 31, 2025
			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value						Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities – Residential			$	1,306					$	—					$	(150)					$	1,156					$	1,379					$	—					$	(144)					$	1,235
Mortgage-Backed Securities- Commercial			148,570						88						(13,441)						135,217						163,625						606						(12,320)						151,911
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			378,466						20						(35,641)						342,845						307,676						485						(33,395)						274,766
Other Government-Sponsored Enterprises			23,366						—						(2,887)						20,479						23,199						—						(2,735)						20,464
Obligations of States and Political Subdivisions			22,234						—						(1,276)						20,958						22,743						—						(1,250)						21,493
Debt Securities Issued by Foreign Governments			600						—						(2)						598						800						—						(4)						796
Total Debt Securities Held to Maturity			$	574,542					$	108					$	(53,397)					$	521,253					$	519,422					$	1,091					$	(49,848)					$	470,665

The amortized cost and estimated fair value of debt securities held to maturity at June 30, 2026, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or repay obligations with or without call or prepayment penalties.

			Amortized Cost						Estimated Fair Value
			(dollars in thousands)
Due within 1 year			$	1,305					$	1,299
Due after 1 but within 5 years			41,096						37,380
Due after 5 but within 10 years			3,235						2,888
Due after 10 years			564						468
			46,200						42,035
Mortgage-Backed Securities (a)			528,342						479,218
Total Debt Securities			$	574,542					$	521,253

(a)Mortgage-backed and collateralized mortgage securities, which have prepayment provisions, are not assigned to maturity categories due to fluctuations in their prepayment speeds. Mortgage-Backed Securities include an amortized cost of $149.9 million and a fair value of $136.4 million for Obligations of U.S. Government agencies issued by Ginnie Mae and an amortized cost of $378.5 million and a fair value of $342.8 million for Obligations of U.S. Government-sponsored enterprises issued by Fannie Mae and Freddie Mac.

Securities held to maturity with an amortized cost of $365.5 million and $349.2 million were pledged as of June 30, 2026 and December 31, 2025, respectively, to secure public deposits and for other purposes required or permitted by law.

20

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Other Investments

As a member of the Federal Home Loan Bank ("FHLB"), First Commonwealth is required to purchase and hold stock in the FHLB to satisfy membership and borrowing requirements. The level of stock required to be held is dependent on the amount of First Commonwealth's mortgage-related assets and outstanding borrowings with the FHLB. This stock is restricted in that it can only be sold to the FHLB or to another member institution, and all sales of FHLB stock must be at par. As a result of these restrictions, FHLB stock is unlike other investment securities insofar as there is no trading market for FHLB stock and the transfer price is determined by FHLB membership rules and not by market participants. As of June 30, 2026 and December 31, 2025, our FHLB stock totaled $29.2 million and $32.6 million, respectively, and is included in “Other investments” on the unaudited Consolidated Statements of Financial Condition.

FHLB stock is held as a long-term investment and its value is determined based on the ultimate recoverability of the par value. First Commonwealth evaluates impairment quarterly and has concluded that the par value of its investment in FHLB stock will be recovered. Accordingly, no impairment charge was recorded on these securities during the three and six months ended June 30, 2026.

At June 30, 2026 and December 31, 2025, "Other investments" also includes $5.2 million and $5.7 million, respectively, in equity securities. These securities do not have a readily determinable fair value and are carried at cost. During the six-months ended June 30, 2026 and 2025, there were no gains or losses recognized through earnings on these equity securities. On a quarterly basis, management evaluates equity securities by reviewing the severity and duration of any decline in estimated fair value, research reports, analysts’ recommendations, credit rating changes, news stories, annual reports, regulatory filings, the impact of interest rate changes and other relevant information.

Impairment of Investment Securities

We review our investment portfolio on a quarterly basis for indications of impairment. For available for sale securities, the review includes analyzing the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and whether we are more likely than not to sell the security. We evaluate whether we are more likely than not to sell debt securities based upon our investment strategy for the particular type of security and our cash flow needs, liquidity position, capital adequacy, tax position and interest rate risk position. Held-to-maturity securities are evaluated for impairment on a quarterly basis using historical probability of default and loss given default information specific to the investment category. If this evaluation determines that credit losses exist, an allowance for credit loss is recorded and included in earnings as a component of credit loss expense.

First Commonwealth utilizes the specific identification method to determine the net gain or loss on debt securities and the average cost method to determine the net gain or loss on equity securities.

The following table presents the gross unrealized losses and estimated fair values at June 30, 2026, for available for sale securities for which an allowance for credit losses has not been recorded and held to maturity securities by investment category and time frame for which securities have been in a continuous unrealized loss position:

 

			Less Than 12 Months															12 Months or More															Total
			Estimated Fair Value						Gross Unrealized Losses									Estimated Fair Value						Gross Unrealized Losses									Estimated Fair Value						Gross Unrealized Losses
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities – Residential			$	—					$	—								$	2,654					$	(327)								$	2,654					$	(327)
Mortgage-Backed Securities – Commercial			379,147						(4,380)									236,676						(56,334)									615,823						(60,714)
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			220,112						(2,160)									409,615						(77,302)									629,727						(79,462)
Other Government-Sponsored Enterprises			—						—									21,477						(2,888)									21,477						(2,888)
Obligations of States and Political Subdivisions			1,345						(4)									24,661						(1,884)									26,006						(1,888)
Debt Securities Issued by Foreign Governments			—						—									198						(2)									198						(2)
Corporate Securities			2,469						(31)									22,845						(983)									25,314						(1,014)
Total Securities			$	603,073					$	(6,575)								$	718,126					$	(139,720)								$	1,321,199					$	(146,295)

    

21

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

At June 30, 2026, fixed income securities issued by the U.S. Government and U.S. Government-sponsored enterprises comprised 96% of the estimated fair value for the total portfolio and 98% of total unrealized losses. All unrealized losses are the result of changes in market interest rates. At June 30, 2026, there are 234 debt securities in the portfolio, with 168 debt securities in an unrealized loss position.

The following table presents the gross unrealized losses and estimated fair values at December 31, 2025 by investment category and the time frame for which securities have been in a continuous unrealized loss position:

			Less Than 12 Months															12 Months or More															Total
			Estimated Fair Value						Gross Unrealized Losses									Estimated Fair Value						Gross Unrealized Losses									Estimated Fair Value						Gross Unrealized Losses
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities – Residential			$	—					$	—								$	2,789					$	(309)								$	2,789					$	(309)
Mortgage-Backed Securities - Commercial			77,195						(509)									270,142						(55,482)									347,337						(55,991)
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			19,924						(95)									438,740						(75,357)									458,664						(75,452)
Other Government-Sponsored Enterprises			—						—									21,448						(2,751)									21,448						(2,751)
Obligation of States and Political Subdivisions			—						—									26,563						(1,840)									26,563						(1,840)
Debt Securities Issued by Foreign Governments			—						—									596						(4)									596						(4)
Corporate Securities			5,492						(3)									22,845						(1,217)									28,337						(1,220)
Total Securities			$	102,611					$	(607)								$	783,123					$	(136,960)								$	885,734					$	(137,567)

As of June 30, 2026, our corporate securities had an amortized cost and an estimated fair value of $42.1 million and $41.4 million, respectively. As of December 31, 2025, our corporate securities had an amortized cost and estimated fair value of $47.0 million and $46.5 million, respectively. Corporate securities are comprised of debt issued by large regional banks. There were 6 corporate securities out of a total of 11 that were in an unrealized loss position at June 30, 2026 and 7 corporate securities out of a total of 12 that were in an unrealized loss position at December 31, 2025. When unrealized losses exist, management reviews each of the issuer’s asset quality, earnings trends and capital position to determine whether the unrealized loss position is a result of credit losses. All interest payments on the corporate securities are being made as contractually required.

There was no expected credit related impairment recognized on investment securities during the six months ended June 30, 2026 and 2025.

22

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 8 Loans and Leases and Allowance for Credit Losses

Loans and leases are presented in the Consolidated Statements of Financial Condition net of deferred fees and costs, and discounts related to purchased loans. Net deferred fees were $24.4 million and $21.2 million as of June 30, 2026 and December 31, 2025, respectively, and discounts on purchased loans from acquisitions were $17.6 million and $20.2 million as of June 30, 2026 and December 31, 2025, respectively. The following table provides outstanding balances related to each of our loan types:

 

															June 30, 2026																		December 31, 2025
															(dollars in thousands)
Commercial, financial, agricultural and other															$	2,071,387																	$	2,044,989
Time and demand															1,151,708																		1,226,054
Commercial credit cards															12,135																		11,408
Equipment finance															784,754																		693,265
Time and demand other															122,790																		114,262
Real estate construction															486,666																		462,786
Construction other															456,253																		415,536
Construction residential															30,413																		47,250
Residential real estate															2,368,166																		2,360,285
Residential first lien															1,605,497																		1,631,019
Residential junior lien/home equity															762,669																		729,266
Commercial real estate															3,083,774																		3,182,109
Multifamily															636,826																		594,790
Non-owner occupied															1,690,230																		1,834,016
Owner occupied															756,718																		753,303
Loans to individuals															1,457,236																		1,457,870
Automobile and recreational vehicles															1,390,894																		1,387,195
Consumer credit cards															8,819																		9,496
Consumer other															57,523																		61,179
Total loans and leases															$	9,467,229																	$	9,508,039

First Commonwealth’s loan portfolio includes five primary loan categories. When calculating the allowance for credit losses these categories are classified into fourteen portfolio segments. The composition of loans by portfolio segment includes:

Commercial, financial, agricultural and other

Time & Demand - Consists primarily of commercial and industrial loans. This category consists of loans that are typically cash flow dependent and therefore have different risk and loss characteristics than other commercial loans. Loans in this category include revolving and term structures with fixed and variable interest rates. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of business bankruptcies and economic conditions measured by GDP.

Commercial Credit Cards - Consists of unsecured credit cards for commercial customers. These commercial credit cards have separate characteristics outside of normal commercial non-real estate loans, as they tend to have shorter overall duration. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of business bankruptcies and economic conditions measured by GDP.

Equipment Finance - Consists of loans and leases to finance the purchase of equipment for commercial customers. The risk and loss characteristics are unique for this group due to the type of collateral. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of business bankruptcies and economic conditions measured by GDP.

Time & Demand Other - Consists primarily of loans to state and political subdivisions and other commercial loans that have different characteristics than loans in the Time and Demand category. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of household obligations ratio and economic conditions measured by GDP.

23

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Real estate construction

Construction Other - Consists of construction loans to commercial builders and developers and are secured by the properties under development.

Construction Residential - Consists of loans to finance the construction of residential properties during the construction period. Borrowers are typically individuals who will occupy the completed single family property.

The risk and loss characteristics of these two construction categories are different than other real estate secured categories due to the collateral being at various stages of completion. The nature of the project and type of borrower of the two construction categories provides for unique risk and loss characteristics for each category. The primary macroeconomic drivers for estimating credit losses for construction loans include forecasts of national unemployment and measures of completed construction projects.

Residential real estate

Residential first lien - Consists of loans with collateral of 1-4 family residencies with a senior lien position. The risk and loss characteristics are unique for this group because the collateral for these loans are the borrower’s primary residence. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of national unemployment and residential property values.

Residential Junior Lien/Home Equity - Consists of loans with collateral of 1-4 family residencies with an open end line of credit or junior lien position. The junior lien position for the majority of these loans provides a higher risk of loss than other residential real estate loans. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of national unemployment and residential property values.

Commercial real estate

Multifamily - Consists of loans secured by commercial multifamily properties. Real estate related to rentals to consumers provide unique risk and loss characteristics. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of completed multifamily construction projects and national unemployment.

Non-owner Occupied - Consists of loans secured by non-owner occupied commercial real estate and provides different loss characteristics than other real estate categories. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of national unemployment and changes in the price of commercial real estate.

Owner Occupied - Consists of loans secured by commercial real estate owner occupied properties. The risk and loss characteristics of this category were considered different than other real estate categories because it is owner occupied and would impact the ability to conduct business. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of national unemployment and economic conditions as measured by GDP.

Loans to individuals

Automobile and Recreational Vehicles - Consists of both direct and indirect loans with automobiles and recreational vehicles held as collateral. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of automobile retention value and business bankruptcies, which are better correlated with defaults in this category at this point in the economic cycle.

Consumer Credit Cards – Consists of unsecured consumer credit cards. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of consumer sentiment and median family income.

Other Consumer - Consists of lines of credit, student loans and other consumer loans, not secured by real estate or autos. The primary macroeconomic drivers for estimating credit losses for this category include forecasts of consumer confidence and retail sales.

Calculation of the Allowance for Credit Losses

The allowance for credit losses is calculated by pooling loans with similar credit risk characteristics and applying a discounted cash flow methodology after incorporating probability of default and loss given default estimates. Probability of default represents an estimate of the likelihood of default, and loss given default measures the expected loss upon default. Inputs impacting the expected losses include a forecast of macroeconomic factors, using a weighted forecast from a nationally recognized firm. Our model incorporates a one-year forecast of macroeconomic factors, after which the factors revert back to

24

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

the historical mean over a one-year period. The most significant macroeconomic factor used in estimating credit losses is the national unemployment rate. The forecasted value for national unemployment at the beginning of the forecast period was 4.23%, and during the one-year forecast period it was projected to average 5.13%, with a peak of 5.46%.

Credit Quality Information

As part of the on-going monitoring of credit quality within the loan portfolio, the following credit worthiness categories are used in grading our loans:

Pass						Acceptable levels of risk exist in the relationship. Includes all loans not classified as OAEM, substandard or doubtful.
Other Assets Especially Mentioned (OAEM)						Potential weaknesses that deserve management’s close attention. The potential weaknesses may result in deterioration of the repayment prospects or weaken the Company’s credit position at some future date. The credit risk may be relatively minor, yet constitute an undesirable risk in light of the circumstances surrounding the specific credit. No loss of principal or interest is expected.
Substandard						Well-defined weakness or a weakness that jeopardizes the repayment of the debt. A loan may be classified as substandard as a result of deterioration of the borrower’s financial condition and repayment capacity. Loans for which repayment plans have not been met or collateral equity margins do not protect the Company may also be classified as substandard.
Doubtful						Loans with the characteristics of substandard loans with the added characteristic that collection or liquidation in full, on the basis of presently existing facts and conditions, is highly improbable.

The Company’s internal creditworthiness grading system provides a measurement of credit risk based primarily on an evaluation of the borrower’s cash flow and collateral. Category ratings are reviewed each quarter, at which time management analyzes the results, as well as other external statistics and factors related to loan performance.

The following tables represent our credit risk profile by creditworthiness category. In the table for the year ended December 31, 2025, the balance of the doubtful category had been fully provided for in the allowance for credit losses and was subsequently charged-off in the first quarter of 2026

25

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			June 30, 2026
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,941,594					$	65,883					$	63,910					$	—					$	—					$	129,793					$	2,071,387
Time and demand			1,034,354						61,798						55,556						—						—						117,354						1,151,708
Commercial credit cards			12,135						—						—						—						—						—						12,135
Equipment finance			772,315						4,085						8,354						—						—						12,439						784,754
Time and demand other			122,790						—						—						—						—						—						122,790
Real estate construction			486,119						427						120						—						—						547						486,666
Construction other			455,706						427						120						—						—						547						456,253
Construction residential			30,413						—						—						—						—						—						30,413
Residential real estate			2,350,590						2,098						15,478						—						—						17,576						2,368,166
Residential first lien			1,592,791						2,098						10,608						—						—						12,706						1,605,497
Residential junior lien/home equity			757,799						—						4,870						—						—						4,870						762,669
Commercial real estate			2,945,202						69,682						68,890						—						—						138,572						3,083,774
Multifamily			613,807						11,800						11,219						—						—						23,019						636,826
Non-owner occupied			1,623,800						34,844						31,586						—						—						66,430						1,690,230
Owner occupied			707,595						23,038						26,085						—						—						49,123						756,718
Loans to individuals			1,457,227						—						9						—						—						9						1,457,236
Automobile and recreational vehicles			1,390,887						—						7						—						—						7						1,390,894
Consumer credit cards			8,819						—						—						—						—						—						8,819
Consumer other			57,521						—						2						—						—						2						57,523
Total loans and leases			$	9,180,732					$	138,090					$	148,407					$	—					$	—					$	286,497					$	9,467,229

26

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

 

			December 31, 2025
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,924,977					$	53,739					$	65,381					$	892					$	—					$	120,012					$	2,044,989
Time and demand			1,112,673						49,765						62,724						892						—						113,381						1,226,054
Commercial credit cards			11,408						—						—						—						—						—						11,408
Equipment finance			686,636						3,972						2,657						—						—						6,629						693,265
Time and demand other			114,260						2						—						—						—						2						114,262
Real estate construction			460,716						463						1,607						—						—						2,070						462,786
Construction other			413,466						463						1,607						—						—						2,070						415,536
Construction residential			47,250						—						—						—						—						—						47,250
Residential real estate			2,342,701						4,402						13,182						—						—						17,584						2,360,285
Residential first lien			1,618,090						4,402						8,527						—						—						12,929						1,631,019
Residential junior lien/home equity			724,611						—						4,655						—						—						4,655						729,266
Commercial real estate			3,054,645						69,182						58,282						—						—						127,464						3,182,109
Multifamily			575,330						7,718						11,742						—						—						19,460						594,790
Non-owner occupied			1,777,941						40,928						15,147						—						—						56,075						1,834,016
Owner occupied			701,374						20,536						31,393						—						—						51,929						753,303
Loans to individuals			1,457,836						—						34						—						—						34						1,457,870
Automobile and recreational vehicles			1,387,163						—						32						—						—						32						1,387,195
Consumer credit cards			9,496						—						—						—						—						—						9,496
Consumer other			61,177						—						2						—						—						2						61,179
Total loans and leases			$	9,240,875					$	127,786					$	138,486					$	892					$	—					$	267,164					$	9,508,039

The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:

			June 30, 2026
			Term Loans																																				Revolving Loans
			2026						2025						2024						2023						2022						Prior												Total
			(dollars in thousands)
Time and demand			$	63,223					$	120,098					$	127,317					$	82,220					$	70,492					$	102,248					$	586,110					$	1,151,708
Pass			63,223						111,528						108,090						77,991						63,702						83,349						526,471						1,034,354
OAEM			—						4,036						14,769						691						3,643						9,639						29,020						61,798
Substandard			—						4,534						4,458						3,538						3,147						9,260						30,619						55,556
Gross charge-offs			—						(357)						(883)						(132)						(662)						(542)						(5,484)						(8,060)
Gross recoveries			—						—						13						—						82						153						171						419
Commercial credit cards			—						—						—						—						—						—						12,135						12,135
Pass			—						—						—						—						—						—						12,135						12,135
Gross charge-offs			—						—						—						—						—						—						(277)						(277)
Gross recoveries			—						—						—						—						—						—						3						3
Equipment finance			197,710						337,961						162,411						69,917						16,755						—						—						784,754
Pass			197,710						332,847						158,136						67,995						15,627						—						—						772,315
OAEM			—						1,890						1,191						648						356						—						—						4,085
Substandard			—						3,224						3,084						1,274						772						—						—						8,354
Gross charge-offs			—						(917)						(1,277)						(502)						(196)						—						—						(2,892)
Gross recoveries			—						15						128						38						121						—						—						302

27

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			June 30, 2026
			Term Loans																																				Revolving Loans
			2026						2025						2024						2023						2022						Prior												Total
			(dollars in thousands)
Time and demand other			15,076						8,329						10,321						14,644						5,625						59,419						9,376						122,790
Pass			15,076						8,329						10,321						14,644						5,625						59,419						9,376						122,790
Gross charge-offs			—						—						—						—						—						—						(1,049)						(1,049)
Gross recoveries			—						—						—						—						—						—						108						108
Construction other			40,320						212,399						85,262						100,532						565						13,617						3,558						456,253
Pass			40,320						212,399						85,262						100,276						394						13,497						3,558						455,706
OAEM			—						—						—						256						171						—						—						427
Substandard			—						—						—						—						—						120						—						120
Gross charge-offs			—						—						—						—						—						(326)						—						(326)
Gross recoveries			—						—						—						—						—						—						—						—
Construction residential			6,311						16,484						2,574						1,729						2,499						813						3						30,413
Pass			6,311						16,484						2,574						1,729						2,499						813						3						30,413
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			49,415						84,414						52,110						143,465						324,993						948,640						2,460						1,605,497
Pass			49,390						84,405						51,291						140,664						321,932						942,709						2,400						1,592,791
OAEM			—						—						586						—						—						1,452						60						2,098
Substandard			25						9						233						2,801						3,061						4,479						—						10,608
Gross charge-offs			—						—						—						(17)						(311)						(86)						—						(414)
Gross recoveries			—						—						—						—						—						39						—						39
Residential junior lien/home equity			25,137						47,876						15,813						40,030						42,671						32,931						558,211						762,669
Pass			25,137						47,876						15,813						40,030						42,561						32,740						553,642						757,799
Substandard			—						—						—						—						110						191						4,569						4,870
Gross charge-offs			—						—						—						—						—						—						(45)						(45)
Gross recoveries			—						—						—						—						—						9						25						34
Multifamily			33,703						32,778						56,186						121,450						166,172						224,897						1,640						636,826
Pass			33,703						32,778						52,887						120,185						153,426						219,188						1,640						613,807
OAEM			—						—						3,299						1,265						1,537						5,699						—						11,800
Substandard			—						—						—						—						11,209						10						—						11,219
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			91,658						187,836						91,723						191,022						367,243						748,653						12,095						1,690,230
Pass			91,658						187,836						91,525						190,015						352,557						698,179						12,030						1,623,800
OAEM			—						—						198						—						12,109						22,537						—						34,844
Substandard			—						—						—						1,007						2,577						27,937						65						31,586
Gross charge-offs			—						—						—						—						—						(3,568)						—						(3,568)
Gross recoveries			—						—						—						—						—						9						—						9
Owner occupied			44,840						122,390						74,948						99,271						121,256						279,672						14,341						756,718
Pass			44,840						121,528						63,808						94,578						113,612						257,506						11,723						707,595
OAEM			—						573						6,467						2,159						3,065						9,555						1,219						23,038
Substandard			—						289						4,673						2,534						4,579						12,611						1,399						26,085
Gross charge-offs			—						—						(658)						—						(36)						—						(258)						(952)
Gross recoveries			—						—						—						28						172						44						—						244
Automobile and recreational vehicles			266,028						462,338						234,895						173,865						154,807						98,961						—						1,390,894
Pass			266,028						462,338						234,895						173,865						154,807						98,954						—						1,390,887
Substandard			—						—						—						—						—						7						—						7
Gross charge-offs			(22)						(831)						(1,014)						(890)						(757)						(406)						—						(3,920)
Gross recoveries			—						122						406						353						341						267						—						1,489

28

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			June 30, 2026
			Term Loans																																				Revolving Loans
			2026						2025						2024						2023						2022						Prior												Total
			(dollars in thousands)
Consumer credit cards			—						—						—						—						—						—						8,819						8,819
Pass			—						—						—						—						—						—						8,819						8,819
Gross charge-offs			—						—						—						—						—						—						(202)						(202)
Gross recoveries			—						—						—						—						—						—						31						31
Consumer other			3,677						5,256						3,606						1,588						661						8,993						33,742						57,523
Pass			3,677						5,256						3,606						1,588						661						8,993						33,740						57,521
Substandard			—						—						—						—						—						—						2						2
Gross charge-offs			—						(81)						(64)						(38)						(12)						(63)						(434)						(692)
Gross recoveries			—						—						3						13						7						37						57						117
Total loans and leases			$	837,098					$	1,638,159					$	917,166					$	1,039,733					$	1,273,739					$	2,518,844					$	1,242,490					$	9,467,229
Total charge-offs			$	(22)					$	(2,186)					$	(3,896)					$	(1,579)					$	(1,974)					$	(4,991)					$	(7,749)					$	(22,397)
Total recoveries			$	—					$	137					$	550					$	432					$	723					$	558					$	395					$	2,795

			December 31, 2025
			Term Loans																																				Revolving Loans
			2025						2024						2023						2022						2021						Prior												Total
			(dollars in thousands)
Time and demand			$	144,802					$	143,570					$	95,587					$	90,711					$	66,053					$	94,425					$	590,906					$	1,226,054
Pass			138,416						129,314						90,204						82,891						55,709						84,813						531,326						1,112,673
OAEM			1,615						10,115						2,639						2,655						1,888						1,888						28,965						49,765
Substandard			4,771						4,141						2,744						5,165						8,456						7,724						29,723						62,724
Doubtful			—						—						—						—						—						—						892						892
Gross charge-offs			(305)						(283)						(400)						(2,897)						(389)						(2,368)						(9,540)						(16,182)
Gross recoveries			—						—						—						402						26						862						2,933						4,223
Commercial credit cards			—						—						—						—						—						—						11,408						11,408
Pass			—						—						—						—						—						—						11,408						11,408
Gross charge-offs			—						—						—						—						—						—						(302)						(302)
Gross recoveries			—						—						—						—						—						—						35						35
Equipment finance			385,806						195,713						87,528						24,218						—						—						—						693,265
Pass			385,724						192,228						85,679						23,005						—						—						—						686,636
OAEM			82						2,588						740						562						—						—						—						3,972
Substandard			—						897						1,109						651						—						—						—						2,657
Gross charge-offs			(89)						(673)						(418)						(1,108)						—						—						—						(2,288)
Gross recoveries			—						7						165						454						—						—						—						626
Time and demand other			9,347						10,927						12,347						4,079						15,114						50,358						12,090						114,262
Pass			9,347						10,927						12,347						4,079						15,114						50,358						12,088						114,260
OAEM			—						—						—						—						—						—						2						2
Gross charge-offs			—						—						—						—						—						—						(1,480)						(1,480)
Gross recoveries			—						—						—						—						—						1						233						234
Construction other			149,758						78,078						115,404						32,501						28,324						8,905						2,566						415,536
Pass			149,758						78,078						115,115						32,327						26,849						8,773						2,566						413,466
OAEM			—						—						289						174						—						—						—						463
Substandard			—						—						—						—						1,475						132						—						1,607
Gross charge-offs			(10)						—						(359)						(355)						—						—						(8)						(732)
Gross recoveries			—						—						—						—						—						—						—						—

29

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			December 31, 2025
			Term Loans																																				Revolving Loans
			2025						2024						2023						2022						2021						Prior												Total
			(dollars in thousands)
Construction residential			18,358						6,101						16,798						3,449						1,055						—						1,489						47,250
Pass			18,358						6,101						16,798						3,449						1,055						—						1,489						47,250
Gross charge-offs			—						—						—						—						(562)						—						—						(562)
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			86,293						55,820						136,773						343,907						438,644						567,149						2,433						1,631,019
Pass			86,284						55,582						134,414						339,023						436,767						563,651						2,369						1,618,090
OAEM			—						—						—						3,474						169						695						64						4,402
Substandard			9						238						2,359						1,410						1,708						2,803						—						8,527
Gross charge-offs			—						(4)						(330)						(17)						(105)						(45)						—						(501)
Gross recoveries			—						—						—						—						—						66						—						66
Residential junior lien/home equity			51,282						17,507						44,622						47,598						31,875						4,869						531,513						729,266
Pass			51,282						17,507						44,611						47,523						31,875						4,678						527,135						724,611
Substandard			—						—						11						75						—						191						4,378						4,655
Gross charge-offs			—						—						—						—						—						—						(244)						(244)
Gross recoveries			—						—						—						—						—						13						155						168
Multifamily			32,759						33,307						70,651						196,678						110,591						148,908						1,896						594,790
Pass			32,759						33,307						70,651						183,418						105,594						148,005						1,596						575,330
OAEM			—						—						—						1,563						4,997						858						300						7,718
Substandard			—						—						—						11,697						—						45						—						11,742
Gross charge-offs			—						—						—						(169)						(92)						(505)						—						(766)
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			194,436						109,688						212,880						384,761						186,461						732,319						13,471						1,834,016
Pass			194,436						109,688						212,880						374,468						179,869						693,195						13,405						1,777,941
OAEM			—						—						—						9,201						6,592						25,135						—						40,928
Substandard			—						—						—						1,092						—						13,989						66						15,147
Gross charge-offs			—						(2)						(93)						(1,284)						(239)						(3,145)						(7)						(4,770)
Gross recoveries			—						—						—						—						—						148						—						148
Owner occupied			124,044						79,594						102,865						130,905						108,227						193,605						14,063						753,303
Pass			123,755						66,642						97,396						119,327						104,482						177,382						12,390						701,374
OAEM			—						5,994						3,352						3,080						2,606						4,172						1,332						20,536
Substandard			289						6,958						2,117						8,498						1,139						12,051						341						31,393
Gross charge-offs			(98)						(131)						(140)						(1,175)						(63)						(42)						(3)						(1,652)
Gross recoveries			—						—						—						—						—						69						—						69
Automobile and recreational vehicles			545,133						287,068						217,215						204,073						87,300						46,406						—						1,387,195
Pass			545,133						287,057						217,215						204,061						87,300						46,397						—						1,387,163
Substandard			—						11						—						12						—						9						—						32
Gross charge-offs			(229)						(1,401)						(2,037)						(2,079)						(879)						(400)						—						(7,025)
Gross recoveries			25						409						643						1,047						477						391						—						2,992
Consumer credit cards			—						—						—						—						—						—						9,496						9,496
Pass			—						—						—						—						—						—						9,496						9,496
Gross charge-offs			—						—						—						—						—						—						(346)						(346)
Gross recoveries			—						—						—						—						—						—						79						79
Consumer other			6,592						4,881						2,331						1,074						7,711						2,308						36,282						61,179
Pass			6,592						4,881						2,331						1,074						7,711						2,308						36,280						61,177
Substandard			—						—						—						—						—						—						2						2
Gross charge-offs			(17)						(91)						(151)						(74)						(135)						(1)						(1,047)						(1,516)
Gross recoveries			6						1						22						14						38						34						236						351
Total loans and leases			$	1,748,610					$	1,022,254					$	1,115,001					$	1,463,954					$	1,081,355					$	1,849,252					$	1,227,613					$	9,508,039

30

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			December 31, 2025
			Term Loans																																				Revolving Loans
			2025						2024						2023						2022						2021						Prior												Total
			(dollars in thousands)
Total charge-offs			$	(748)					$	(2,585)					$	(3,928)					$	(9,158)					$	(2,464)					$	(6,506)					$	(12,977)					$	(38,366)
Total recoveries			$	31					$	417					$	830					$	1,917					$	541					$	1,584					$	3,671					$	8,991

Portfolio Risks

The credit quality of our loan portfolio can potentially represent significant risk to our earnings, capital and liquidity. First Commonwealth devotes substantial resources to managing this risk primarily through our credit administration department that develops and administers policies and procedures for underwriting, maintaining, monitoring and collecting loans. Credit administration is independent of lending departments and oversight is provided by the Risk Committee of the First Commonwealth Board of Directors.

Total net charge-offs for the six months ended June 30, 2026 and 2025 were $19.6 million and $5.9 million, respectively.

Age Analysis of Past Due Loans by Segment

The following tables delineate the aging analysis of the recorded investments in past due loans as of June 30, 2026 and December 31, 2025. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.

			June 30, 2026
			30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Nonaccrual						Total past due and nonaccrual						Current						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	4,085					$	10,375					$	1,675					$	40,682					$	56,817					$	2,014,570					$	2,071,387
Time and demand			1,425						9,164						1,675						38,004						50,268						1,101,440						1,151,708
Commercial credit cards			45						31						—						—						76						12,059						12,135
Equipment finance			2,614						1,180						—						2,678						6,472						778,282						784,754
Time and demand other			1						—						—						—						1						122,789						122,790
Real estate construction			1,703						—						—						—						1,703						484,963						486,666
Construction other			918						—						—						—						918						455,335						456,253
Construction residential			785						—						—						—						785						29,628						30,413
Residential real estate			7,061						3,192						1,149						15,329						26,731						2,341,435						2,368,166
Residential first lien			3,786						2,017						982						10,459						17,244						1,588,253						1,605,497
Residential junior lien/home equity			3,275						1,175						167						4,870						9,487						753,182						762,669
Commercial real estate			7,849						1,389						—						25,622						34,860						3,048,914						3,083,774
Multifamily			—						—						—						10,846						10,846						625,980						636,826
Non-owner occupied			1,163						—						—						6,389						7,552						1,682,678						1,690,230
Owner occupied			6,686						1,389						—						8,387						16,462						740,256						756,718
Loans to individuals			6,276						1,302						394						7						7,979						1,449,257						1,457,236
Automobile and recreational vehicles			5,906						1,082						213						5						7,206						1,383,688						1,390,894
Consumer credit cards			42						43						—						—						85						8,734						8,819
Consumer other			328						177						181						2						688						56,835						57,523
Total loans and leases			$	26,974					$	16,258					$	3,218					$	81,640					$	128,090					$	9,339,139					$	9,467,229

31

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

 

			December 31, 2025
			30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Nonaccrual						Total past due and nonaccrual						Current						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	5,127					$	595					$	217					$	46,618					$	52,557					$	1,992,432					$	2,044,989
Time and demand			2,666						125						107						45,288						48,186						1,177,868						1,226,054
Commercial credit cards			75						32						—						—						107						11,301						11,408
Equipment finance			2,382						438						110						1,330						4,260						689,005						693,265
Time and demand other			4						—						—						—						4						114,258						114,262
Real estate construction			—						—						—						1,475						1,475						461,311						462,786
Construction other			—						—						—						1,475						1,475						414,061						415,536
Construction residential			—						—						—						—						—						47,250						47,250
Residential real estate			8,197						1,870						581						13,019						23,667						2,336,618						2,360,285
Residential first lien			5,054						1,456						317						8,364						15,191						1,615,828						1,631,019
Residential junior lien/home equity			3,143						414						264						4,655						8,476						720,790						729,266
Commercial real estate			1,975						10,070						—						30,612						42,657						3,139,452						3,182,109
Multifamily			417						—						—						10						427						594,363						594,790
Non-owner occupied			534						10,070						—						14,156						24,760						1,809,256						1,834,016
Owner occupied			1,024						—						—						16,446						17,470						735,833						753,303
Loans to individuals			6,733						1,225						490						32						8,480						1,449,390						1,457,870
Automobile and recreational vehicles			6,262						1,022						168						30						7,482						1,379,713						1,387,195
Consumer credit cards			50						35						—						—						85						9,411						9,496
Consumer other			421						168						322						2						913						60,266						61,179
Total loans and leases			$	22,032					$	13,760					$	1,288					$	91,756					$	128,836					$	9,379,203					$	9,508,039

Nonaccrual Loans

The previous tables summarize nonaccrual loans by loan segment. The Company generally places loans on nonaccrual status when the full and timely collection of interest or principal becomes uncertain, when part of the principal balance has been charged off and no restructuring has occurred, or the loans reach a certain number of days past due. Generally, loans 90 days or more past due are placed on nonaccrual status, except for most consumer loans, which are placed on nonaccrual status at 150 days past due. Consumer loans related to automobile and recreational vehicles are either charged off or repossessed at no later than 90 days past due unless the borrower is in the process of collection through bankruptcy proceedings.

When a loan is placed on nonaccrual, the accrued unpaid interest receivable is reversed against interest income and all future payments received are applied as a reduction to the loan principal. Generally, the loan is returned to accrual status when (a) all delinquent interest and principal becomes current under the terms of the loan agreement or (b) the loan is both well-secured and in the process of collection and collectability is no longer in doubt.

Nonaccrual loans in the above tables include loans with government guarantees of $23.3 million at June 30, 2026 and $31.5 million at December 31, 2025.

Nonperforming Loans

Management considers loans to be nonperforming when, based on current information and events, it is determined that the Company will not be able to collect all amounts due according to the loan contract, including scheduled interest payments. When management identifies a loan as nonperforming, the credit loss is measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the sole source for repayment of the loan is the operation or liquidation of collateral. When the loan is collateral dependent, the appraised value less estimated cost to sell is

32

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

utilized. If management determines that the value of the loan is less than the recorded investment in the loan, a credit loss is recognized through an allowance estimate or a charge-off to the allowance for credit losses.

When the ultimate collectability of the total principal of a nonperforming loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of a nonperforming loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.

At June 30, 2026 and December 31, 2025, there was no nonperforming loans held for sale. During both the six months ended June 30, 2026 and 2025, there were no gains recognized on the sale of nonperforming loans.

The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of June 30, 2026 and December 31, 2025. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.

33

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			June 30, 2026																		December 31, 2025
			Recorded investment						Unpaid principal balance						Related specific allowance						Recorded investment						Unpaid principal balance						Related specific allowance
			(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other			$	23,411					$	33,450											$	22,422					$	31,583
Time and demand			21,534						31,573												21,092						30,253
Equipment finance			1,877						1,877												1,330						1,330
Time and demand other			—						—												—						—
Real estate construction			—						—												1,475						1,475
Construction other			—						—												1,475						1,475
Construction residential			—						—												—						—
Residential real estate			13,357						14,934												11,874						13,678
Residential first lien			9,608						10,577												7,219						8,148
Residential junior lien/home equity			3,749						4,357												4,655						5,530
Commercial real estate			14,786						22,426												17,853						23,807
Multifamily			10						12												10						12
Non-owner occupied			6,389						11,993												8,799						12,879
Owner occupied			8,387						10,421												9,044						10,916
Loans to individuals			7						16												32						78
Automobile and recreational vehicles			5						14												30						62
Consumer other			2						2												2						16
Subtotal			51,561						70,826												53,656						70,621
With a specific allowance recorded:
Commercial, financial, agricultural and other			17,271						18,077						$	8,122					24,196						34,249						$	6,959
Time and demand			16,470						17,276						7,716						24,196						34,249						6,959
Equipment finance			801						801						406						—						—						—
Time and demand other			—						—						—						—						—						—
Real estate construction			—						—						—						—						—						—
Construction other			—						—						—						—						—						—
Construction residential			—						—						—						—						—						—
Residential real estate			1,972						2,308						107						1,145						1,160						162
Residential first lien			851						884						92						1,145						1,160						162
Residential junior lien/home equity			1,121						1,424						15						—						—						—
Commercial real estate			10,836						10,838						2,085						12,759						12,871						2,715
Multifamily			10,836						10,838						2,085						—						—						—
Non-owner occupied			—						—						—						5,357						5,357						2,280
Owner occupied			—						—						—						7,402						7,514						435
Loans to individuals			—						—						—						—						—						—
Automobile and recreational vehicles			—						—						—						—						—						—
Consumer other			—						—						—						—						—						—
Subtotal			30,079						31,223						10,314						38,100						48,280						9,836
Total			$	81,640					$	102,049					$	10,314					$	91,756					$	118,901					$	9,836

34

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

															For the Six Months Ended June 30,
															2026																								2025
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest income recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	29,524					$	12																	$	8,647					$	78
Time and demand															27,628						12																		7,851						78
Equipment finance															1,896						—																		796						—
Time and demand other															—						—																		—						—
Real estate construction															492						—																		1,681						106
Construction other															492						—																		1,681						106
Construction residential															—						—																		—						—
Residential real estate															12,134						66																		9,599						42
Residential first lien															8,480						64																		6,759						29
Residential junior lien/home equity															3,654						2																		2,840						13
Commercial real estate															22,404						444																		21,013						228
Multifamily															10						—																		177						—
Non-owner occupied															9,737						391																		14,096						184
Owner occupied															12,657						53																		6,740						44
Loans to individuals															17						1																		262						1
Automobile and recreational vehicles															11						1																		223						1
Consumer other															6						—																		39						—
Subtotal															64,571						523																		41,202						455
With a specific allowance recorded:
Commercial, financial, agricultural and other															13,743						—																		18,899						—
Time and demand															13,474						—																		18,848						—
Equipment finance															269						—																		51						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		267						—
Construction other															—						—																		90						—
Construction residential															—						—																		177						—
Residential real estate															2,006						—																		2,789						—
Residential first lien															868						—																		1,191						—
Residential junior lien/home equity															1,138						—																		1,598						—
Commercial real estate															7,393						—																		6,600						—
Multifamily															7,393						—																		—						—
Non-owner occupied															—						—																		2,920						—
Owner occupied															—						—																		3,680						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															23,142						—																		28,555						—
Total															$	87,713					$	523																	$	69,757					$	455

35

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

															For the Three Months Ended June 30,
															2026																					2025
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest Income Recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	25,396					$	—																	$	6,906					$	—
Time and demand															23,492						—																		6,153						—
Equipment finance															1,904						—																		753						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		1,511						—
Construction other															—						—																		1,511						—
Construction residential															—						—																		—						—
Residential real estate															12,933						39																		9,359						23
Residential first lien															9,146						37																		6,556						10
Residential junior lien/home equity															3,787						2																		2,803						13
Commercial real estate															17,857						436																		13,021						44
Multifamily															10						—																		—						—
Non-owner occupied															7,208						390																		334						—
Owner occupied															10,639						46																		12,687						44
Loans to individuals															8						1																		254						1
Automobile and recreational vehicles															6						1																		246						1
Consumer other															2						—																		8						—
Subtotal															56,194						476																		31,051						68
With a specific allowance recorded:
Commercial, financial, agricultural and other															15,812						—																		32,311						—
Time and demand															15,273						—																		32,210						—
Equipment finance															539						—																		101						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		535						—
Construction other															—						—																		180						—
Construction residential															—						—																		355						—
Residential real estate															1,988						—																		2,941						—
Residential first lien															859						—																		1,343						—
Residential junior lien/home equity															1,129						—																		1,598						—
Commercial real estate															10,886						—																		9,084						—
Multifamily															10,886						—																		—						—
Non-owner occupied															—						—																		3,184						—
Owner occupied															—						—																		5,900						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															28,686						—																		44,871						—
Total															$	84,880					$	476																	$	75,922					$	68

Unfunded commitments related to nonperforming loans were $3.2 million and $0.2 million at June 30, 2026 and December 31, 2025, respectively. After consideration of the requirements to draw and available collateral related to these commitments, it was determined that no reserve was required for these commitments at June 30, 2026 and December 31, 2025.

36

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Loan Modifications Made to Borrowers Experiencing Financial Difficulty

In accordance with ASU 2022-02, Financial Instruments Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures ("ASU 2022-02"), modifications to borrowers experiencing financial difficulty may include interest rate reductions, principal forgiveness, other-than-insignificant payment delay, term extensions or any combination thereof. When calculating the allowance for credit losses, these modifications are included in their respective loan segment and an allowance is determined by a loss given default and probability of default methodology.

The following tables present the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty:

			For the Six Months Ended June 30, 2026
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	—					$	988					$	—					$	—					$	988					0.05		%
Time and demand			—						—						—						988						—						—						988						0.09
Residential real estate			—						—						—						83						—						—						83						—
Residential first lien			—						—						—						83						—						—						83						0.01
Commercial real estate			—						18,523						—						—						12,840						—						31,363						1.02
Multifamily			—						10,836						—						—						—						—						10,836						1.70
Non-owner occupied			—						7,687						—						—						12,840						—						20,527						1.21
Total			$	—					$	18,523					$	—					$	1,071					$	12,840					$	—					$	32,434					0.34		%

			For the Six Months Ended June 30, 2025
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	31,880					$	312					$	—					$	—					$	32,192					1.65		%
Time and demand			—						—						31,880						—						—						—						31,880						2.54
Equipment finance			—						—						—						312						—						—						312						0.05
Residential real estate			—						—						25						720						—						—						745						0.03
Residential first lien			—						—						—						698						—						—						698						0.04
Residential junior lien/home equity			—						—						25						22						—						—						47						0.01
Commercial real estate			—						—						—						—						3,201						—						3,201						0.10
Non-owner occupied			—						—						—						—						3,201						—						3,201						0.16
Total			$	—					$	—					$	31,905					$	1,032					$	3,201					$	—					$	36,138					0.38		%

37

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			For the Three Months Ended June 30, 2026
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	—					$	988					$	988					0.05		%
Time and demand			—						—						—						988						988						0.09
Residential real estate			—						—						—						83						83						—
Residential first lien			—						—						—						83						83						0.01
Commercial real estate			—						18,523						—						—						18,523						0.60
Multifamily			—						10,836						—						—						10,836						1.70
Non-owner occupied			—						7,687						—						—						7,687						0.45
Total			$	—					$	18,523					$	—					$	1,071					$	19,594					0.21		%

			For the Three Months Ended June 30, 2025
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	31,880					$	312					$	32,192					1.65		%
Time and demand			—						—						31,880						—						31,880						2.54
Equipment finance			—						—						—						312						312						0.05
Residential real estate			—						—						25						140						165						0.01
Residential first lien			—						—						—						140						140						0.01
Residential junior lien/home equity			—						—						25						—						25						—		%
Total loans and leases			$	—					$	—					$	31,905					$	452					$	32,357					0.34		%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

			For the Six Months Ended June 30, 2026
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			2.50		%				0.3						$	—					0.3
Time and demand			2.50						0.3						—						0.3
Residential real estate			—						2.0						—						1.6
Residential first lien			—						2.0						—						1.6
Commercial real estate			—						0.7						—						0.3
Multifamily			—						0.4						—						0.0
Non-owner occupied			—						0.8						—						0.3
Total			2.50		%				0.7						$	—					0.3

38

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			For the Six Months Ended June 30, 2025
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				1.7						$	—					0.5
Time and demand			—						0.0						—						0.5
Equipment finance			—						1.7						—						1.0
Residential real estate			—						3.0						—						1.2
Residential first lien			—						3.0						—						1.3
Residential junior lien/home equity			—						2.1						—						0.5
Commercial real estate			4.00						0.4						—						0.1
Non-owner occupied			4.00						0.4						—						0.1
Total			4.00		%				1.0						$	—					0.5

			For the Three Months Ended June 30, 2026
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				0.3						$	—					0.3
Time and demand			—						0.3						—						0.3
Residential real estate			—		%				2.0						—						1.6
Residential first lien			—						2.0						—						1.6
Commercial real estate			—						0.7						—						0.0
Multifamily			—						0.4						—						0.0
Non-owner occupied			—						0.8						—						0.0
Total			—		%				0.7						$	—					0.4

			For the Three Months Ended June 30, 2025
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				1.7						$	—					0.5
Time and demand			—						0.0						—						0.5
Equipment finance			—						1.7						—						1.0
Residential real estate			—						1.9						—						0.6
Residential first lien			—						1.9						—						0.7
Residential junior lien/home equity			—						0.0						—						0.4
Total			—		%				1.8						$	—					0.5

39

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

A modification is considered to be in default when the loan is 90 days or more past due. The following table shows modifications considered to be in default.

			June 30, 2026												December 31, 2025
			Number of Contracts						Balance						Number of Contracts						Balance
			(dollars in thousands)
Commercial, financial, agricultural and other			—						$	—					1						$	2,522
Time and demand			—						—						1						2,522
Residential real estate			1						231						2						321
Residential first lien			1						231						2						321
Total loans and leases			1						$	231					3						$	2,843

The following table shows the payment status of loans that have been modified in the last twelve months prior to the date presented:

			June 30, 2026
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,852					$	—					$	—					$	—					$	1,852
Time and demand			1,852						—						—						—						1,852
Residential real estate			217						—						19						230						466
Residential first lien			217						—						19						230						466
Commercial real estate			20,528						—						—						15,445						35,973
Multifamily			—						—						—						10,836						10,836
Non-owner occupied			20,528						—						—						4,609						25,137
Total loans and leases			$	22,597					$	—					$	19					$	15,675					$	38,291

			December 31, 2025
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	989					$	—					$	—					$	2,522					$	3,511
Time and demand			864						—						—						2,522						3,386
Equipment finance			125						—						—						—						125
Residential real estate			227						1,823						23						321						2,394
Residential first lien			182						1,823						23						321						2,349
Residential junior lien/home equity			45						—						—						—						45
Commercial real estate			9,399						—						—						—						9,399
Non-owner occupied			9,399						—						—						—						9,399
Total loans and leases			$	10,615					$	1,823					$	23					$	2,843					$	15,304

40

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following tables provide detail related to the allowance for credit losses:

			For the Six Months Ended June 30, 2026
			Beginning balance																		Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	38,149																	$	(12,278)					$	832					$	13,842					$	40,545
Time and demand			22,223																		(8,060)						419						8,084						22,666
Commercial credit cards			177																		(277)						3						284						187
Equipment finance			14,138																		(2,892)						302						3,714						15,262
Time and demand other			1,611																		(1,049)						108						1,760						2,430
Real estate construction			7,808																		(326)						—						803						8,285
Construction other			7,118																		(326)						—						909						7,701
Construction residential			690																		—						—						(106)						584
Residential real estate			21,629																		(459)						73						1,023						22,266
Residential first lien			15,056																		(414)						39						785						15,466
Residential junior lien/home equity			6,573																		(45)						34						238						6,800
Commercial real estate			40,271																		(4,520)						253						2,449						38,453
Multifamily			5,528																		—						—						1,721						7,249
Non-owner occupied			24,865																		(3,568)						9						(443)						20,863
Owner occupied			9,878																		(952)						244						1,171						10,341
Loans to individuals			17,911																		(4,814)						1,637						3,142						17,876
Automobile and recreational vehicles			14,962																		(3,920)						1,489						2,547						15,078
Consumer credit cards			473																		(202)						31						131						433
Consumer other			2,476																		(692)						117						464						2,365
Total loans and leases			$	125,768																	$	(22,397)					$	2,795					$	21,259					$	127,425

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

41

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			For the Six Months Ended June 30, 2025
			Beginning balance						Day 1 Allowance for credit loss on PCD acquired loans						Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	29,131					$	1,616					$	(5,422)					$	4,367					$	8,860					$	38,552
Time and demand			19,433						1,616						(3,339)						3,802						4,955						26,467
Commercial credit cards			182						—						(124)						22						133						213
Equipment finance			7,844						—						(1,126)						422						2,247						9,387
Time and demand other			1,672						—						(833)						121						1,525						2,485
Real estate construction			6,030						1,104						—						—						402						7,536
Construction other			5,916						370						—						—						232						6,518
Construction residential			114						734						—						—						170						1,018
Residential real estate			22,396						307						(226)						183						1,108						23,768
Residential first lien			15,758						300						(108)						42						680						16,672
Residential junior lien/home equity			6,638						7						(118)						141						428						7,096
Commercial real estate			40,232						1,087						(2,088)						167						1,448						40,846
Multifamily			5,431						120						—						—						(112)						5,439
Non-owner occupied			23,332						943						(875)						115						(609)						22,906
Owner occupied			11,469						24						(1,213)						52						2,169						12,501
Loans to individuals			21,117						2						(4,700)						1,863						3,982						22,264
Automobile and recreational vehicles			18,693						1						(3,550)						1,628						3,411						20,183
Consumer credit cards			341						—						(169)						48						118						338
Consumer other			2,083						1						(981)						187						453						1,743
Total loans and leases			$	118,906					$	4,116					$	(12,436)					$	6,580					$	15,800					$	132,966

a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.

42

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			For the Three Months Ended June 30, 2026
			Beginning balance												Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	42,770											$	(8,264)					$	426					$	5,613					$	40,545
Time and demand			25,867												(6,143)						289						2,653						22,666
Commercial credit cards			208												(136)						2						113						187
Equipment finance			14,890												(1,515)						87						1,800						15,262
Time and demand other			1,805												(470)						48						1,047						2,430
Real estate construction			7,101												—						—						1,184						8,285
Construction other			6,561												—						—						1,140						7,701
Construction residential			540												—						—						44						584
Residential real estate			21,945												(314)						47						588						22,266
Residential first lien			15,367												(308)						23						384						15,466
Residential junior lien/home equity			6,578												(6)						24						204						6,800
Commercial real estate			39,794												(2,212)						213						658						38,453
Multifamily			7,522												—						—						(273)						7,249
Non-owner occupied			21,905												(1,552)						3						507						20,863
Owner occupied			10,367												(660)						210						424						10,341
Loans to individuals			17,573												(2,170)						833						1,640						17,876
Automobile and recreational vehicles			14,755												(1,775)						776						1,322						15,078
Consumer credit cards			435												(92)						10						80						433
Consumer other			2,383												(303)						47						238						2,365
Total loans and leases			$	129,183											$	(12,960)					$	1,519					$	9,683					$	127,425

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

43

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			For the Three Months Ended June 30, 2025
			Beginning balance						Day 1 Allowance for credit loss on PCD acquired loans						Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	31,345					$	1,616					$	(1,403)					$	677					$	6,317					$	38,552
Time and demand			20,400						1,616						(363)						318						4,496						26,467
Commercial credit cards			210						—						(26)						—						29						213
Equipment finance			8,776						—						(550)						291						870						9,387
Time and demand other			1,959						—						(464)						68						922						2,485
Real estate construction			6,832						1,104						—						—						(400)						7,536
Construction other			6,675						370						—						—						(527)						6,518
Construction residential			157						734						—						—						127						1,018
Residential real estate			22,338						307						(118)						46						1,195						23,768
Residential first lien			15,603						300						(75)						26						818						16,672
Residential junior lien/home equity			6,735						7						(43)						20						377						7,096
Commercial real estate			38,371						1,087						(624)						11						2,001						40,846
Multifamily			5,478						120						—						—						(159)						5,439
Non-owner occupied			21,814						943						(1)						5						145						22,906
Owner occupied			11,079						24						(623)						6						2,015						12,501
Loans to individuals			21,045						2						(2,281)						934						2,564						22,264
Automobile and recreational vehicles			19,049						1						(1,745)						782						2,096						20,183
Consumer credit cards			323						—						(74)						30						59						338
Consumer other			1,673						1						(462)						122						409						1,743
Total loans and leases			$	119,931					$	4,116					$	(4,426)					$	1,668					$	11,677					$	132,966

a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Center and excludes the provision for off-balance sheet credit exposure included in the income statement.

Note 9 Leases

First Commonwealth has elected to apply certain practical expedients provided under ASU 2016-02 "Leases" (Topic 842) including (i) to not apply the requirements in the new standard to short-term leases; (ii) to not reassess the lease classification for any expired or existing lease; (iii) to account for lease and non-lease components separately; and (iv) to not reassess initial direct costs for any existing leases. The impact of this standard primarily relates to operating leases of certain real estate properties, including certain branch and ATM locations and office space. First Commonwealth has no material leasing arrangements for which it is the lessor of property or equipment.

44

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following table represents the unaudited Consolidated Statements of Condition classification of the Company’s right of use ("ROU") assets and lease liabilities, lease costs and other lease information.

															June 30, 2026			December 31, 2025
Balance sheet:															(dollars in thousands)
Operating lease asset classified as premises and equipment															$	36,176		$	38,170
Operating lease liability classified as other liabilities															40,582			42,627
						For the Three Months Ended									For the Six Months Ended
						June 30, 2026			June 30, 2025						June 30, 2026			June 30, 2025
Income statement:						(dollars in thousands)
Operating lease cost classified as occupancy and equipment expense						$	1,363		$	1,467					$	2,729		$	2,878
Weighted average lease term, in years															11.33			12.66
Weighted average discount rate															4.15		%	3.87		%
Operating cash flows															$	2,779		$	2,891

The ROU assets and lease liabilities are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. First Commonwealth's lease agreements often include one or more options to renew at the Company's discretion. If we consider the renewal option to be reasonably certain, we include the extended term in the calculation of the ROU asset and lease liability.

First Commonwealth uses incremental borrowing rates when calculating the lease liability because the rate implicit in the lease is not readily determinable. The incremental borrowing rate used by First Commonwealth is an amortizing loan rate obtained from the Federal Home Loan Bank ("FHLB") of Pittsburgh. This rate is consistent with a collateralized borrowing rate and is available for terms similar to the lease payment schedules.

Future minimum payments for operating leases with initial or remaining terms of one year or more as of June 30, 2026 were as follows (dollars in thousands):

For the twelve months ended:
June 30, 2027						$	5,439
June 30, 2028						4,998
June 30, 2029						4,891
June 30, 2030						4,580
June 30, 2031						4,258
Thereafter						27,139
Total future minimum lease payments						51,305
Less remaining imputed interest						10,723
Operating lease liability						$	40,582

Note 10 Income Taxes

In accordance with FASB ASC Topic 740-10, “Accounting for Uncertainty in Income Taxes,” at June 30, 2026 and December 31, 2025, First Commonwealth had no material unrecognized tax benefits or accrued interest and penalties. If applicable, First Commonwealth will record interest and penalties as a component of noninterest expense.

First Commonwealth is subject to routine audits of our tax returns by the Internal Revenue Service (“IRS”) as well as all states in which we conduct business. Generally, tax years prior to the year ended December 31, 2022 are no longer open to examination by federal and state taxing authorities.

45

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 11 Fair Values of Assets and Liabilities

FASB ASC Topic 820, “Fair Value Measurements and Disclosures” ("Topic 820"), requires disclosures for non-financial assets and non-financial liabilities, except for items that are recognized or disclosed at fair value in the financial statements on a recurring basis (at least annually). All non-financial assets are included either as a separate line item on the unaudited Consolidated Statements of Financial Condition or in the “Other assets” category of the unaudited Consolidated Statements of Financial Condition. Currently, First Commonwealth does not have any non-financial liabilities to disclose.

FASB ASC Topic 825, “Financial Instruments” ("Topic 825"), permits entities to irrevocably elect to measure select financial instruments and certain other items at fair value. The unrealized gains and losses are required to be included in earnings each reporting period for the items that fair value measurement is elected. First Commonwealth has elected not to measure any existing financial instruments at fair value under Topic 825; however, in the future we may elect to adopt this guidance for select financial instruments.

 

In accordance with Topic 820, First Commonwealth groups financial assets and financial liabilities measured at fair value in three levels based on the principal markets in which the assets and liabilities are transacted and the observability of the data points used to determine fair value. These levels are:

•Level 1 – Valuations for assets and liabilities traded in active exchange markets, such as the New York Stock Exchange (“NYSE”). Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.

•Level 2 – Valuations for assets and liabilities traded in less active dealer or broker markets. Valuations are obtained for observable inputs for identical or comparable assets or liabilities from alternative pricing sources with reasonable levels of price transparency. Level 2 includes Obligations of U.S. Government securities issued by Agencies and Sponsored Enterprises, Obligations of States and Political Subdivisions, corporate securities, loans held for sale, interest rate derivatives (including interest rate caps, interest rate collars, interest rate swaps and risk participation agreements), certain other real estate owned and certain nonperforming loans.

Level 2 investment securities are valued by a recognized third party pricing service using observable inputs. The model used by the pricing service varies by asset class and incorporates available market, trade and bid information as well as cash flow information when applicable. Because many fixed-income investment securities do not trade on a daily basis, the model uses available information such as benchmark yield curves, benchmarking of like investment securities, sector groupings and matrix pricing. The model will also use processes such as an option-adjusted spread to assess the impact of interest rates and to develop prepayment estimates. Market inputs normally used in the pricing model include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data including market research publications.

Management validates the market values provided by the third party service by having another source price 100% of the securities on a monthly basis, monthly monitoring of variances from prior period pricing and, on a monthly basis, evaluating pricing changes compared to expectations based on changes in the financial markets.

Loans held for sale include residential mortgage loans originated for sale in the secondary mortgage market. The estimated fair value for these loans was determined on the basis of rates obtained in the respective secondary market. Loans held for sale could also include the Small Business Administration guaranteed portion of small business loans. The estimated fair value of these loans is based on the contract with the third party investor. When loans held for sale include other commercial loans, fair value is determined using an executed trade or market bid obtained from potential buyers. There were no held for sale loans in a nonaccrual status as of June 30, 2026 and December 31, 2025.

Interest rate derivatives are reported at an estimated fair value utilizing Level 2 inputs and are included in other assets and other liabilities, and consist of interest rate swaps where there is no significant deterioration in the counterparties' and/or loan customers' credit risk since origination of the interest rate swap, as well as interest rate caps, interest rate collars and risk participation agreements. First Commonwealth values its interest rate swap and cap positions using a yield curve by taking market prices/rates for an appropriate set of instruments. The set of instruments used to determine the U.S. Dollar yield curve includes Secured Overnight Financing Rate ("SOFR") rates from overnight to one year, Eurodollar futures contracts and SOFR swap rates from one year to thirty years. These yield curves determine the valuations of interest rate swaps. Interest rate derivatives are further described in Note 12, “Derivatives.”

46

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

For purposes of potential valuation adjustments to our derivative positions, First Commonwealth evaluates the credit risk of its counterparties as well as our own credit risk. Accordingly, we have considered factors such as the likelihood of default, expected loss given default, net exposures and remaining contractual life, among other things, in determining if any estimated fair value adjustments related to credit risk are required. We review our counterparty exposure quarterly, and when necessary, appropriate adjustments are made to reflect the exposure.

We also utilize this approach to estimate our own credit risk on derivative liability positions. In the six months ended June 30, 2026 and 2025, we have not realized any losses due to a counterparty's inability to pay any net uncollateralized position.

Interest rate derivatives also include interest rate forwards entered to hedge residential mortgage loans held for sale and the related interest-rate lock commitments. This includes forward commitments to sell mortgage loans. The fair value of these derivative financial instruments are based on derivative market data inputs as of the valuation date and the underlying value of mortgage loans for rate lock commitments.

•Level 3 – Valuations for assets and liabilities that are derived from other valuation methodologies, including option pricing models, discounted cash flow models and similar techniques, and not based on market exchange, dealer or broker traded transactions. If the inputs used to provide the valuation are unobservable and/or there is very little, if any, market activity for the security or similar securities, the securities would be considered Level 3 securities. Level 3 valuations incorporate certain assumptions and projections in determining the fair value assigned to such assets or liabilities. The assets included in Level 3 are certain nonperforming loans.

There are no Level 3 fair value measurements that require quantitative inputs and assumptions.

The tables below present the balances of assets and liabilities measured at fair value on a recurring basis:

			June 30, 2026
			Level 1						Level 2						Level 3						Total
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities - Residential			$	—					$	2,283					$	—					$	2,283
Mortgage-Backed Securities - Commercial			—						639,632						—						639,632
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities - Residential			—						400,914						—						400,914
Other Government-Sponsored Enterprises			—						999						—						999
Obligations of States and Political Subdivisions			—						6,949						—						6,949
Corporate Securities			—						41,424						—						41,424
Total Securities Available for Sale			—						1,092,201						—						1,092,201
Loans Held for Sale			—						42,682						—						42,682
Other Assets(a)			—						16,447						—						16,447
Total Assets			$	—					$	1,151,330					$	—					$	1,151,330
Other Liabilities(a)			$	—					$	16,088					$	—					$	16,088
Total Liabilities			$	—					$	16,088					$	—					$	16,088

(a)Hedging and non-hedging interest rate derivatives

47

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			December 31, 2025
			Level 1						Level 2						Level 3						Total
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities - Residential			$	—					$	2,496					$	—					$	2,496
Mortgage-Backed Securities - Commercial			—						661,689						—						661,689
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities - Residential			—						295,523						—						295,523
Other Government-Sponsored Enterprises			—						984						—						984
Obligations of States and Political Subdivisions			—						6,971						—						6,971
Corporate Securities			—						46,531						—						46,531
Total Securities Available for Sale			—						1,014,194						—						1,014,194
Loans Held for Sale			—						46,071						—						46,071
Other Assets(a)			—						9,573						—						9,573
Total Assets			$	—					$	1,069,838					$	—					$	1,069,838
Other Liabilities(a)			$	—					$	10,657					$	—					$	10,657
Total Liabilities			$	—					$	10,657					$	—					$	10,657

(a)Hedging and non-hedging interest rate derivatives

During the six months ended June 30, 2026 and 2025, there were no transfers between fair value Levels 1, 2 or 3.

There were no gains or losses included in earnings for the periods presented that are attributable to the change in realized gains (losses) relating to assets held at June 30, 2026 and 2025.

The tables below present the balances of assets measured at fair value on a nonrecurring basis at the dates shown below:

			June 30, 2026
			Level 1						Level 2						Level 3						Total
			(dollars in thousands)
Loans held for sale			$	—					$	2,082					$	—					$	2,082
Nonperforming loans			—						42,730						28,596						71,326
Other real estate owned			—						2,291						—						2,291
Total Assets			$	—					$	47,103					$	28,596					$	75,699

			December 31, 2025
			Level 1						Level 2						Level 3						Total
			(dollars in thousands)
Loans held for sale			$	—					$	225,381					$	—					$	225,381
Nonperforming loans			—						40,617						41,303						81,920
Other real estate owned			—						1,014						—						1,014
Total Assets			$	—					$	267,012					$	41,303					$	308,315

48

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following (losses) gains were realized on the assets measured on a nonrecurring basis:

			For the Three Months Ended June 30,												For the Six Months Ended June 30,
			2026						2025						2026						2025
			(dollars in thousands)
Loans held for sale			$	—					$	—					$	—					$	—
Nonperforming loans			(4,459)						(5,284)						(11,277)						(12,734)
Other real estate owned			—						(32)						(36)						(32)
Total losses			$	(4,459)					$	(5,316)					$	(11,313)					$	(12,766)

Nonperforming loans over $250 thousand are individually reviewed to determine the amount of each loan considered to be at risk of non-collection. The fair value for nonperforming loans that are collateral-based is determined by reviewing real property appraisals, equipment valuations, accounts receivable listings and other financial information. A discounted cash flow analysis is performed to determine fair value for nonperforming loans when an observable market price or a current appraisal is not available. For real estate secured loans, First Commonwealth’s loan policy requires updated appraisals be obtained at least every twelve months on all nonperforming loans with balances of $250 thousand and over. For real estate secured loans with balances under $250 thousand, we rely on broker price opinions. For non-real estate secured assets, the Company normally relies on third party valuations specific to the collateral type.

The fair value for other real estate owned that is determined by either an independent market-based appraisal less estimated costs to sell or an executed sales agreement is classified as Level 2. The fair value for other real estate owned that is determined using an internal valuation is classified as Level 3. Other real estate owned has a current carrying value of $2.3 million as of June 30, 2026, and primarily includes commercial and residential real estate properties in Pennsylvania. We review whether events and circumstances subsequent to a transfer to other real estate owned have occurred that indicate the balance of those assets may not be recoverable. If events and circumstances indicate further impairment, we will record a charge to the extent that the carrying value of the assets exceed their fair values, less estimated cost to sell, as determined by valuation techniques appropriate in the circumstances.

Certain other assets and liabilities, including goodwill, core deposit intangibles and customer list intangibles, are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis, but are subject to fair value adjustments only in certain circumstances. Additional information related to goodwill is provided in Note 13, “Goodwill.” There were no other assets or liabilities measured at fair value on a nonrecurring basis during the six months ended June 30, 2026.

FASB ASC Topic 825-10, “Transition Related to FSP FAS 107-1” and APB 28-1, “Interim Disclosures about Fair Value of Financial Instruments,” requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value on a recurring or nonrecurring basis are as discussed above. The methodologies for other financial assets and financial liabilities are discussed below.

Cash and due from banks and interest-bearing bank deposits: The carrying amounts for cash and due from banks and interest-bearing bank deposits approximate the estimated fair values of such assets.

Securities: Fair values for securities available for sale and held to maturity are based on quoted market prices, if available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments. The carrying value of other investments, which includes FHLB stock and other equity investments, is considered a reasonable estimate of fair value.

Loans held for sale: The estimated fair value of loans held for sale is based on market bids obtained from potential buyers.

Loans: The fair values of all loans are estimated by discounting the estimated future cash flows using interest rates currently offered for loans with similar terms to borrowers of similar credit quality adjusted for past due and nonperforming loans.

49

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Off-balance sheet instruments: Many of First Commonwealth’s off-balance sheet instruments, primarily loan commitments and standby letters of credit, are expected to expire without being drawn upon; therefore, the commitment amounts do not necessarily represent future cash requirements. FASB ASC Topic 460, “Guarantees” clarified that a guarantor is required to recognize, at the inception of a guarantee, a liability for the fair value of the obligation undertaken in issuing the guarantee. The carrying amount and estimated fair value for standby letters of credit was $0.3 million at both June 30, 2026 and December 31, 2025. See Note 6, “Commitments and Contingent Liabilities,” for additional information.

Deposit liabilities: The estimated fair value of demand deposits, savings accounts and money market deposits is the amount payable on demand at the reporting date because of the customers’ ability to withdraw funds immediately. The fair value of fixed rate time deposits is estimated by discounting the future cash flows using interest rates currently being offered and a schedule of aggregated expected maturities.

Short-term borrowings: The fair values of borrowings from the FHLB were estimated based on the estimated incremental borrowing rate for similar type borrowings. The carrying amounts of other short-term borrowings, such as federal funds purchased and securities sold under agreement to repurchase, were used to approximate fair value due to the short-term nature of the borrowings.

Subordinated debt and long-term debt: The fair value is estimated by discounting the future cash flows using First Commonwealth’s estimate of the current market rate for similar types of borrowing arrangements.

50

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following table presents carrying amounts and fair values of First Commonwealth’s financial instruments:

			June 30, 2026
									Fair Value Measurements Using:
			Carrying Amount						Total						Level 1						Level 2						Level 3
			(dollars in thousands)
Financial assets
Cash and due from banks			$	110,327					$	110,327					$	110,327					$	—					$	—
Interest-bearing deposits			69,308						69,308						69,308						—						—
Securities available for sale			1,092,201						1,092,201						—						1,092,201						—
Securities held to maturity			574,542						521,253						—						521,253						—
Other investments			34,372						34,372						—						29,190						5,182
Loans held for sale			44,764						44,941						—						44,941						—
Loans and leases			9,467,229						9,486,192						—						42,730						9,443,462
Financial liabilities
Deposits			10,260,061						10,252,398						—						10,252,398						—
Short-term borrowings			137,946						136,787						—						136,787						—
Subordinated debt			121,683						116,636						—						—						116,636
Long-term debt			—						—						—						—						—
Capital lease obligation			3,401						3,401						—						3,401						—

			December 31, 2025
									Fair Value Measurements Using:
			Carrying Amount						Total						Level 1						Level 2						Level 3
			(dollars in thousands)
Financial assets
Cash and due from banks			$	103,280					$	103,280					$	103,280					$	—					$	—
Interest-bearing deposits			77,082						77,082						77,082						—						—
Securities available for sale			1,014,194						1,014,194						—						1,014,194						—
Securities held to maturity			519,422						470,665						—						470,665						—
Other investments			38,295						38,295						—						32,563						5,732
Loans held for sale			271,452						271,452						—						271,452						—
Loans and leases			9,508,039						9,657,464						—						40,617						9,616,847
Financial liabilities
Deposits			10,250,969						10,248,485						—						10,248,485						—
Short-term borrowings			147,966						147,926						—						147,926						—
Subordinated debt			128,466						121,747						—						—						121,747
Long-term debt			129,555						130,108						—						130,108						—
Capital lease obligation			3,721						3,721						—						3,721						—

Note 12 Derivatives

Derivatives Not Designated as Hedging Instruments

First Commonwealth is a party to interest rate derivatives that are not designated as hedging instruments. These derivatives relate to interest rate swaps that First Commonwealth enters into with customers to allow customers to convert variable rate loans to a fixed rate. First Commonwealth pays interest to the customer at a floating rate on the notional amount and receives interest from the customer at a fixed rate for the same notional amount. At the same time the interest rate swap is entered into with the customer, an offsetting interest rate swap is entered into with another financial institution. First Commonwealth pays the other financial institution interest at the same fixed rate on the same notional amount as the swap entered into with the customer, and receives interest from the financial institution for the same floating rate on the same notional amount.

51

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The changes in the fair value of the swaps offset each other, except for the credit risk of the counterparties, which is determined by taking into consideration the risk rating, probability of default and loss given default for all counterparties.

We have 20 risk participation agreements with financial institution counterparties for interest rate swaps related to loans in which we are a participant. The risk participation agreements provide credit protection to the financial institution should the borrower fail to perform on its interest rate derivative contract with the financial institution. We have 16 risk participation agreements with financial institution counterparties for interest rate swaps related to loans in which we are the lead bank. The risk participation agreement provides credit protection to us should the borrower fail to perform on its interest rate derivative contract with us.

First Commonwealth is also party to interest rate caps and collars that are not designated as hedging instruments. The interest rate caps relate to contracts that First Commonwealth enters into with loan customers that provide a maximum interest rate on their variable rate loan. At the same time the interest rate cap is entered into with the customer, First Commonwealth enters into an offsetting interest rate cap with another financial institution. The notional amount and maximum interest rate on both interest cap contracts are identical. The interest rate collars relate to contracts that First Commonwealth enters into with loan customers that provide both a maximum and minimum interest rate on their variable rate loan. At the same time the interest rate collar is entered into with the customer, First Commonwealth enters into an offsetting interest rate collar with another financial institution. The notional amount and the maximum and minimum interest rates on both interest collar contracts are identical.

The fee received for such derivatives, less the estimate of the loss for the credit exposure, is recognized in earnings at the time of the transaction.

The Company also enters into interest rate lock commitments in conjunction with its mortgage origination business. These are commitments to originate loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The Company locks in the rate with an investor and commits to deliver the loan if settlement occurs (“best efforts”) or commits to deliver the locked loan in a binding (“mandatory”) delivery program with an investor. Loans under mandatory rate lock commitments are covered under forward sales contracts of mortgage-backed securities (“MBS”). Forward sales contracts of MBS are recorded at fair value with changes in fair value recorded in "Noninterest income" in the unaudited Consolidated Statements of Income. The impact to noninterest income for the three and six months ended June 30, 2026 was an increase of $0.3 million and $0.1 million, respectively.

Interest rate lock commitments and commitments to deliver loans to investors are considered derivatives. The market value of interest rate lock commitments and best efforts contracts are not readily ascertainable with precision because they are not actively traded in stand-alone markets. We determine the fair value of rate lock commitments and delivery contracts by measuring the fair value of the underlying asset, which is impacted by current interest rates and takes into consideration the probability that the rate lock commitments will close or will be funded. At June 30, 2026, the underlying funded mortgage loan commitments had a carrying value of $16.1 million and a fair value of $18.1 million, while the underlying unfunded mortgage loan commitments had a notional amount of $69.7 million. At December 31, 2025, the underlying funded mortgage loan commitments had a carrying value of $19.5 million and a fair value of $21.5 million, while the underlying unfunded mortgage loan commitments had a notional amount of $48.1 million. The interest rate lock commitments increased other noninterest income by $0.1 million for the six months ended June 30, 2026 and decreased it by $0.3 million, $0.6 million and $0.7 million for the three months ended June 30, 2026 and the three and six months ended June 30, 2025, respectively.

Derivatives Designated as Hedging Instruments

In August 2019, the Company entered into two interest rate swap contracts that are designated as cash flow hedges. One of the contracts, with a notional amount of $30.0 million, matured on August 15, 2024 and the other contract, with a notional amount of $40.0 million, matures on August 15, 2026. The Company's risk management objective for these hedges is to reduce its exposure to variability in expected future cash flows related to interest payments made on subordinated debentures. Initially, these swaps were benchmarked to the 3-month LIBOR rate; however, as a result of the discontinuance of the LIBOR rate on June 30, 2023, both of the swap contracts were amended to hedge exposure to the variability of the 3-month Daily Simple SOFR, compounded in arrears. This change is in agreement with amendments made to the interest rate on the subordinated debentures as a result of the discontinuance of LIBOR. Therefore, the interest rate swaps convert the interest rate benchmark on the first $40.0 million of 3-month SOFR based subordinated debentures to a fixed rate.

During 2021, the Company entered into eight interest rate swap contracts that were designated as cash flow hedges, $75.0 million of which matured during 2024, $150.0 million which matured in May 2025, $25 million which matured in August

52

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

2025 and $150.0 million which matured in May of 2026. The remaining interest rate swap has a notional amount of $25.0 million with an original term of five years and maturity date of October 15, 2026. The Company's risk management objective for these hedges was to reduce its exposure to variability in expected future cash flows related to interest payments on commercial loans. Initially these swaps were benchmarked to the 1-month LIBOR rate; however, as a result of the discontinuance of the LIBOR rate on June 30, 2023, these swaps were amended to hedge exposure to the variability of the 1-month Daily Simple SOFR rate compounded in arrears. Therefore, the interest rate swaps convert the interest payments on the first $25.0 million of 1-month Daily Simple SOFR based commercial loans into fixed rate payments.

The periodic net settlement of these interest rate swaps are recorded as an adjustment to "Interest on subordinated debentures" or "Interest and fees on loans" in the unaudited Consolidated Statements of Income. For the three months ended June 30, 2026 and 2025, there was a negative impact on net interest income of $0.3 million and $2.6 million, respectively, and $1.4 million and $6.3 million, respectively, for the six months ended June 30, 2026 and 2025 as a result of these interest rate swaps. Changes in the fair value of the cash flow hedges are reported on the balance sheet and in OCI. When the cash flows associated with the hedged item are realized, the gain or loss included in OCI is recognized in "Interest on subordinated debentures," or "Interest and fees on loans", the same line items in the unaudited Consolidated Statements of Income as the income on the hedged items. The cash flow hedges were highly effective at June 30, 2026, and changes in the fair value attributed to hedge ineffectiveness were not material.

The following table depicts the credit value and fair value adjustments recorded related to the notional amount of derivatives outstanding as well as the notional amount of risk participation agreements participated to other banks:

			June 30, 2026						December 31, 2025
			(dollars in thousands)
Derivatives not Designated as Hedging Instruments
Interest rate derivatives:
Credit value adjustment			$	(96)					$	(185)
Notional amount:
Interest rate derivatives			956,044						1,000,541
Interest rate caps			27,664						50,525
Interest rate collars			11,010						2,022
Risk participation agreements			143,972						158,646
Sold credit protection on risk participation agreements			(150,686)						(151,858)
Interest rate options			69,661						48,143
Interest rate forwards:
Fair value adjustment			(59)						(133)
Notional amount			72,000						49,000
Derivatives Designated as Hedging Instruments
Interest rate swaps:
Fair value adjustment			514						(766)
Notional amount			65,000						215,000

 

53

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The table below presents the change in the fair value of derivative assets and derivative liabilities attributable to credit risk or fair value changes included in "Other income," "Other expense," "Interest on subordinated debentures" or "Interest and fees on loans" in the unaudited Consolidated Statements of Income:

			For the Three Months Ended June 30,												For the Six Months Ended June 30,
			2026						2025						2026						2025
			(dollars in thousands)
Non-hedging interest rate derivatives
Increase (decrease) in other income			$	346					$	(8)					$	157					$	303
Non-hedging interest rate forwards
(Decrease) increase in other income			(327)						(614)						74						(741)
Hedging interest rate derivatives
Decrease in interest and fees on loans			(531)						(2,944)						(1,838)						(6,905)
Decrease in interest from subordinated debentures			(240)						(312)						(483)						(622)

The fair value of our derivatives is included in a table in Note 11, “Fair Values of Assets and Liabilities,” in the line items “Other assets” and “Other liabilities.”

Note 13 Goodwill

FASB ASC Topic 350-20, “Intangibles – Goodwill and Other” requires an annual valuation of the fair value of a reporting unit that has goodwill and a comparison of the fair value to the book value of equity to determine whether the goodwill has been impaired. Goodwill is also required to be tested on an interim basis if an event or circumstance indicates that it is more likely than not that an impairment loss has been incurred. When circumstances indicate that it is more likely than not that fair value is less than carrying value, a triggering event has occurred and a quantitative impairment test would be performed.

We consider First Commonwealth to be one reporting unit (see Note 16 - "Segment Reporting"). The carrying amount of goodwill at both June 30, 2026 and December 31, 2025 was $378.2 million. No impairment charges on goodwill or other intangible assets were incurred in 2026 or 2025.

We test goodwill for impairment as of November 30th each year and again at any quarter-end if any material events occur during a quarter that may affect goodwill.

As of June 30, 2026, no indicators of impairment were identified; however, changing economic conditions that may adversely affect our performance, the fair value of our assets and liabilities, or our stock price could result in impairment, which could adversely affect earnings in future periods. Management will continue to monitor events that could impact this conclusion in the future.

Note 14 Subordinated Debentures

Subordinated debentures outstanding are as follows:

																		June 30, 2026						December 31, 2025
			Due			Rate												Amount												Amount
																		(dollars in thousands)
Owed to:
First Commonwealth Bank			2033			5.50% until June 1, 2028, then 3-Month CME Term SOFR + 0.26161% + 2.37%												$	49,516											$	49,480
First Commonwealth Financial Corp			2031			Prime + 1.00%												—												6,819
First Commonwealth Capital Trust II			2034			3-Month CME Term SOFR + 0.26161% + 2.85%												30,929												30,929
First Commonwealth Capital Trust III			2034			3-Month CME Term SOFR + 0.26161% + 2.85%												41,238												41,238
Total																		$	121,683											$	128,466

With the acquisition of Centric in January 2023, First Commonwealth acquired a ten-year subordinated note with a principal balance of $6.0 million. The rate was fixed at 4.50% until March 29, 2026, then converted to a quarterly adjustable rate of

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Prime + 1.00%. The carrying value of this note included a fair value premium from acquisition of $0.8 million. The Company obtained the necessary regulatory approval and redeemed the note at par on June 23, 2026, recognizing an $0.8 million gain on the early redemption of the debt.

On May 21, 2018, First Commonwealth issued fifteen-year subordinated notes with an aggregate principal amount of $50.0 million and a fixed-to-floating rate of 5.50%. The rate remains fixed until June 1, 2028, then adjusts on a quarterly basis to three-month CME Term SOFR+ 0.26161% + 2.37%. The Bank may redeem the notes, subject to regulatory approval, beginning with the interest payment due on June 1, 2028, in whole or in part at a redemption price equal to 100% of the principal amount of the subordinated notes, plus accrued and unpaid interest to the date of redemption. Deferred issuance costs of $1.1 million are being amortized on a straight-line basis over the term of the notes.

First Commonwealth currently has two trusts, First Commonwealth Capital Trust II and First Commonwealth Capital Trust III, of which 100% of the common equity is owned by First Commonwealth. The trusts were formed for the purpose of issuing company obligated mandatorily redeemable capital securities to third-party investors and investing the proceeds from the sale of the capital securities solely in junior subordinated debt securities (“subordinated debentures”) of First Commonwealth. The subordinated debentures held by each trust are the sole assets of the trust.

Interest on the debentures issued to First Commonwealth Capital Trust II is paid quarterly at a floating rate of three-month CME Term SOFR + 0.26161% + 2.85%, which is reset quarterly. Subject to regulatory approval, First Commonwealth may redeem the debentures, in whole or in part, at its option at a redemption price equal to 100% of the principal amount of the debentures, plus accrued and unpaid interest to the date of the redemption. Deferred issuance costs of $0.5 million are being amortized on a straight-line basis over the term of the securities.

Interest on the debentures issued to First Commonwealth Capital Trust III is paid quarterly at a floating rate of three-month CME Term SOFR + 0.26161% + 2.85%, which is reset quarterly. Subject to regulatory approval, First Commonwealth may redeem the debentures, in whole or in part, at its option on any interest payment date at a redemption price equal to 100% of the principal amount of the debentures, plus accrued and unpaid interest to the date of the redemption. Deferred issuance costs of $0.6 million are being amortized on a straight-line basis over the term of the securities.

In order to reduce its exposure to variability in expected future cash flows related to interest payments on First Commonwealth Capital Trust II and III, the Company entered into two interest rate swap contracts that are designated as cash flow hedges. These contracts fix the index rate based portion of the interest rate on Capital Trust III at 1.525% until August 15, 2026. A similar interest rate swap contract was entered for Capital Trust II which fixed the index rate based portion at 1.515%; however, that swap expired on August 15, 2024. Additional information related to these cash flow hedges can be found in Note 12 - "Derivatives".

Note 15 Revenue Recognition

Substantially all of the Company’s revenue is generated from contracts with customers. Revenue associated with financial instruments, including revenue from loans and securities, certain noninterest income streams such as fees associated with derivatives are not in the scope of FASB ASC Topic 606 - "Revenue from Contracts with Customers" ("Topic 606"). Topic 606 is applicable to noninterest revenue streams such as trust income, service charges on deposits, insurance and retail brokerage commissions, card-related interchange income and gain(loss) on sale of OREO. For contracts within the scope of Topic 606, the Company immediately expenses contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less.

Noninterest revenue streams in-scope of Topic 606 are discussed below:

Trust Income

Trust income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon a tiered scale of market value of the assets under management at month-end. Payment is generally received a few days after month end through a direct charge to customers’ accounts. The Company does not earn performance-based incentives. Optional services such as financial planning or tax return preparation services are also available to trust customers. The Company’s performance obligation for these transactional-based services is generally satisfied and related revenue recognized at a point in time. Payment is received shortly after services are rendered.

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Service Charges on Deposit Accounts

Service charges on deposit accounts consist of fees earned from its deposit customers for transaction-based, account maintenance, overdraft services and account analysis fees. Transaction-based fees, which include services such as ATM use fees, stop payment fees, statement rendering and ACH fees, are recognized at the time the transaction is executed, which is the point in time the Company fulfills the customer’s request. Monthly account maintenance fees are earned over the course of the month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. The Company’s performance obligation for account analysis fees is generally satisfied, and the related revenue recognized, during the month the service is provided. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts.

Insurance and Retail Brokerage Commissions

Insurance income primarily consists of commissions received from execution of personal, business and health insurance policies when acting as an agent on behalf of insurance carriers. The Company’s performance obligation is generally satisfied upon the issuance of the insurance policy. Because the Company’s contracts with the insurance carriers are generally cancellable by either party with minimal notice, insurance commissions are recognized during the policy period as received. Also, the majority of insurance commissions are received on a monthly basis during the policy period; however, some carriers pay the full annual commission to First Commonwealth at the time of policy issuance or renewal. In these cases, First Commonwealth would be required to refund any commissions it would not be entitled to as a result of cancelled or terminated policies. The Company has established a refund liability for the remaining term of the policies expected to be cancelled. The Company also receives incentive-based contingency fees from the insurance carriers. Contingency fee revenue, which totals approximately $0.4 million per year, is recognized as received due to the immaterial amount.

Retail brokerage income primarily consists of commissions received on annuity and investment product sales through a third-party service provider. The Company’s performance obligation is generally satisfied upon the issuance of the annuity policy or the execution of an investment transaction. The Company does not earn a significant amount of trailer fees on annuity sales. However, after considering the factors impacting these trailer fees, such as the uncertainty of investor behavior and changes in the market value of assets, First Commonwealth determined that it would recognize trailing fees as received because it could not reasonably estimate an amount of future trailing commissions for which collection is probable. Commissions from the third-party service provider are received on a monthly basis based upon customer activity for the month. The fees are recognized monthly with a receivable until commissions are received from the third-party service provider the following month. Because the Company acts as an agent in arranging the relationship between the customer and the third-party service provider and does not control the services rendered to the customers, retail brokerage fees are presented net of related costs, including $2.6 million and $2.5 million in commission expense for the six months ended June 30, 2026 and 2025, respectively.

Card-Related Interchange Income

Card-related interchange income is primarily comprised of debit and credit card income, ATM fees and merchant services income. Debit and credit card income is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as MasterCard. ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. Card-related interchange income is recognized daily as the customer transactions are settled.

Other Income

Other income includes service revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. The Company’s performance obligation for these services are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month.

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Gains (losses) on sales of OREO

First Commonwealth records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When First Commonwealth finances the sale of OREO to the buyer, an assessment of whether the buyer is committed to perform their obligations under the contract is completed along with an evaluation of whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon transfer of control of the property to the buyer. In determining the gain or loss on the sale, First Commonwealth adjusts the transaction price and the related gain or loss on sale if a significant financing component is present.

The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606:

			For the Three Months Ended June 30,												For the Six Months Ended June 30,
			2026						2025						2026						2025
			(dollars in thousands)
Noninterest Income
In-scope of Topic 606:
Trust income			$	3,583					$	3,029					$	6,991					$	6,051
Service charges on deposit accounts			5,744						5,595						11,274						11,033
Insurance and retail brokerage commissions			3,085						3,097						6,352						6,267
Card-related interchange income			4,005						3,998						7,666						7,652
Gain on sale of other loans and assets			136						499						327						624
Other income			588						725						1,228						1,455
Noninterest Income (in-scope of Topic 606)			17,141						16,943						33,838						33,082
Noninterest Income (out-of-scope of Topic 606)			9,856						7,806						17,746						14,169
Total Noninterest Income			$	26,997					$	24,749					$	51,584					$	47,251

Note 16 Segment Reporting

We operate our business as a single integrated business unit that provides a number of products and services to meet our customers' banking and financial needs. Our products and services include consumer lending such as secured and unsecured installment loans, home equity loans, construction and real estate loans, credit lines and credit cards. We also offer commercial customers lending and leasing products, which include real estate secured lending, equipment finance, working capital lines of credit, credit cards and construction loans. Our products also include deposit services, such as personal and business checking accounts, savings, money market and certificates of deposit. Additionally, we provide an array of cash management services, trust and wealth management services and insurance products. These services are all delivered through the same business network.

The Company’s President and CEO is the chief operating decision maker who uses consolidated net income to assess performance and profitability of our single business segment. Consolidated net income is used to assess performance by comparing results on a monthly basis, including variances to budget and prior period results. Consideration is given to performance of components of the business, such as branches and geographic regions, which are then aggregated. This information is used to achieve strategic initiatives by allowing the chief operating decision maker to manage resources that drive our business and earnings. Additionally, consolidated net income is used to benchmark the Company against its banking peers.

The accounting policies of the single business unit are the same policies as disclosed in Note 1 - "Statement of Accounting Policies" of our December 31, 2025 Form 10-K and our segment assets are the same as assets presented in the unaudited Consolidated Statements of Financial Condition.

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ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The following table presents information related to segment revenue, significant segment expenses and segment net income:

			For the Three Months Ended June 30,												For the Six Months Ended June 30,
			2026						2025						2026						2025
			(dollars in thousands)
Interest income			$	159,322					$	158,926					$	316,540					$	306,054
Interest expense			46,880						52,685						95,124						104,291
Net interest income			112,442						106,241						221,416						201,763
Provision for credit losses			8,931						12,657						19,664						18,393
Noninterest Income
Trust income			3,583						3,029						6,991						6,051
Service charges on deposit accounts			5,744						5,595						11,274						11,033
Insurance and retail brokerage commissions			3,085						3,097						6,352						6,267
Gain on sale of mortgage loans			2,337						1,836						4,552						3,223
Gain on sale of other loans and assets			2,028						2,217						4,210						3,605
Card-related interchange income			4,005						3,998						7,666						7,652
Other segment income (a)			6,215						4,977						10,539						9,420
Noninterest expense
Salaries and employee benefits			42,734						40,584						85,608						80,999
Net occupancy			5,017						4,894						10,582						10,623
Furniture and equipment			4,174						4,547						8,997						8,740
Data processing			4,152						4,085						8,335						7,902
Other professional fees and services			1,650						1,903						2,756						3,523
Other segment expense (b)			16,508						20,255						33,552						35,731
Income tax provision			11,684						8,663						21,369						17,005
Segment net income			$	44,589					$	33,402					$	82,137					$	66,098
Reconciliation of net income
Adjustments and reconciling items			—						—						—						—
Consolidated net income			$	44,589					$	33,402					$	82,137					$	66,098

(a) Other segment income includes gain/loss on securities, income from bank owned life insurance, derivative mark to market, swap fee income and other miscellaneous income.

(b) Other segment expense includes FDIC insurance, loss on sale or write-down of assets, litigation and operational losses, merger related expenses and other miscellaneous expenses.

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Table of Contents

ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

This discussion and the related financial data are presented to assist in the understanding and evaluation of the consolidated financial condition and the results of operations of First Commonwealth Financial Corporation including its subsidiaries (“First Commonwealth”) for the three and six months ended June 30, 2026 and 2025, and should be read in conjunction with the unaudited Consolidated Financial Statements and notes thereto included in this Form 10-Q.

FORWARD-LOOKING STATEMENTS

Certain statements contained in this Quarterly Report on Form 10-Q that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”), notwithstanding that such statements are not specifically identified as such. In addition, certain statements may be contained in our future filings with the Securities and Exchange Commission, in press releases, and in oral and written statements made by us or with our approval that are not statements of historical fact and constitute forward-looking statements within the meaning of the Reform Act. Examples of forward-looking statements include, but are not limited to: (i) projections of revenues, expenses, income or loss, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other financial items; (ii) statements of plans, objectives and expectations of First Commonwealth or its management or Board of Directors, including those relating to products, services or operations; (iii) statements of future economic performance or interest rates; and (iv) statements of assumptions underlying such statements. Words such as “believe,” “anticipate,” “expect,” “intend,” “plan,” “estimate,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could” or “may,” are intended to identify forward-looking statements. Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from those in such statements. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to:

•Local, regional, national and international economic conditions and the impact they may have on us and our customers and our assessment of that impact.

•Volatility and disruption in national and international financial markets.

•The effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board and the implementation of tariffs and other protectionist trade policies.

•Government intervention in the U.S. financial system.

•Changes in the mix of loan geographies, sectors and types or the level of non-performing assets and charge-offs.

•Changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements.

•Inflation, interest rate, securities market and monetary fluctuations.

•The effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) with which we and our subsidiaries must comply.

•The soundness of other financial institutions.

•Political instability.

•Impairment of our goodwill or other intangible assets.

•Acts of God or of war or terrorism.

•The timely development and acceptance of new products and services and perceived overall value of these products and services by users.

•Changes in consumer spending, borrowings and savings habits.

•Changes in the financial performance and/or condition of our borrowers.

•Technological changes.

•The cost and effects of cyber incidents or other failures, interruption or security breaches of our systems or those of third-party providers.

•Acquisitions and integration of acquired businesses.

•Our ability to increase market share and control expenses.

•Our ability to attract and retain qualified employees.

•Changes in the competitive environment in our markets and among banking organizations and other financial service providers.

•The effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters.

•Changes in the reliability of our vendors, internal control systems or information systems.

•Changes in our liquidity position.

•Changes in our organization, compensation and benefit plans.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

•The costs and effects of legal and regulatory developments, the resolution of legal proceedings or regulatory or other governmental inquiries, the results of regulatory examinations or reviews and the ability to obtain required regulatory approvals.

•Greater than expected costs or difficulties related to the integration of new products and lines of business.

•Our success at managing the risks involved in the foregoing items.

Forward-looking statements speak only as of the date on which such statements are made. We do not undertake any obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made, or to reflect the occurrence of unanticipated events.

Explanation of Use of Non-GAAP Financial Measures

In addition to the results of operations presented in accordance with generally accepted accounting principles (“GAAP”), First Commonwealth management uses, and this quarterly report contains or references, certain non-GAAP financial measures, such as net interest income on a fully taxable equivalent basis. We believe these non-GAAP financial measures provide information that is useful to investors in understanding our underlying operational performance and our business and performance trends as they facilitate comparison with the performance of others in the financial services industry. Although we believe that these non-GAAP financial measures enhance investors’ understanding of our business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP.

We believe the presentation of net interest income on a fully taxable equivalent basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice. Interest income per the unaudited Consolidated Statements of Income is reconciled to net interest income adjusted to a fully taxable equivalent basis on pages 64 and 72 for the six and three months ended June 30, 2026 and 2025, respectively.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Selected Financial Data

The following selected financial data should be read in conjunction with Management’s Discussion and Analysis of Financial Condition and Results of Operations, which follows, and with the unaudited Consolidated Financial Statements and related notes. 

			For the Three Months Ended June 30,												For the Six Months Ended June 30,
			2026						2025						2026						2025
			(dollars in thousands, except per share data)
Net Income			$	44,589					$	33,402					$	82,137					$	66,098
Per Share Data:
Basic Earnings per Share			$	0.44					$	0.32					$	0.81					$	0.64
Diluted Earnings per Share			0.44						0.32						0.81						0.64
Cash Dividends Declared per Common Share			0.140						0.135						0.275						0.265
Average Balance:
Total assets			$	12,191,133					$	12,096,327					$	12,207,876					$	11,889,656
Total equity			1,563,281						1,492,912						1,562,765						1,461,139
End of Period Balance:
Net loans and leases (1)															$	9,384,568					$	9,480,842
Total assets															12,207,826						12,237,147
Total deposits															10,260,061						10,104,582
Total equity															1,569,168						1,517,767
Key Ratios:
Return on average assets			1.47		%				1.11		%				1.36		%				1.12		%
Return on average equity			11.44		%				8.97		%				10.60		%				9.12		%
Dividends payout ratio			31.82		%				42.19		%				33.95		%				41.41		%
Average equity to average assets ratio			12.82		%				12.34		%				12.80		%				12.29		%
Net interest margin			4.01		%				3.83		%				3.97		%				3.73		%
Net loans to deposits ratio															91.47		%				93.83		%

(1) Includes loans held for sale.

Results of Operations

Six Months Ended June 30, 2026 Compared to Six Months Ended June 30, 2025

Net Income

For the six months ended June 30, 2026, First Commonwealth had net income of $82.1 million, or $0.81 diluted earnings per share, compared to net income of $66.1 million, or $0.64 diluted earnings per share, in the six months ended June 30, 2025. The increase in net income was primarily the result of a $19.7 million increase in net interest income and $4.3 million increase in noninterest income, offset by a $1.3 million increase in the provision for credit losses and a $2.3 million increase in noninterest expense.

For the six months ended June 30, 2026, the Company’s return on average equity was 10.60% and its return on average assets was 1.36%, compared to 9.12% and 1.12%, respectively, for the six months ended June 30, 2025.

Net Interest Income

Net interest income, on a fully taxable equivalent basis, was $222.2 million in the first six months of 2026, compared to $202.4 million for the same period in 2025. The increase in net interest income can be attributed to a 28 basis point decrease in the cost of interest-bearing liabilities and a 2 basis point increase in the yield on interest-earning assets with a $337.3 million increase in net interest earning assets. Net interest income comprises the majority of our operating revenue (net interest income before provision expense plus noninterest income), at 81.1% and 81.0% for the six months ended June 30, 2026 and 2025, respectively.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The net interest margin on a fully taxable equivalent basis was 3.97% for the six months ended June 30, 2026 and 3.73% for the six months ended June 30, 2025. The net interest margin is affected by changes in the level of interest rates and the amount and composition of interest-earning assets and interest-bearing liabilities.

The taxable equivalent yield on interest-earning assets was 5.67% for the six months ended June 30, 2026, an increase of two basis points compared to the 5.65% yield for the same period in 2025. The yield on interest-earning assets benefited as the yield on fixed rate commercial loans increased 33 basis points. Additionally, the yield on fixed rate consumer loans increased by 15 basis points. Offsetting these increases were a 73 basis point decrease in consumer lines of credit and a 4 basis point decline in the yield on equipment finance loans. For the six months ended June 30, 2026, five basis points of the yield on interest-earning assets can be attributed to the recognition of $2.7 million in accretion of purchase accounting marks. For the six months ended June 30, 2025, accretion of purchase accounting marks contributed $3.9 million, or seven basis points, to the yield on interest-earning assets.

The investment portfolio yield decreased two basis points in comparison to the prior year primarily due to a decline in market rates. Additionally, the average balance of investments decreased $39.7 million as compared to the six months ended June 30, 2025. Lower interest rates in the six months ended June 30, 2026 compared to the prior year resulted in a 93 basis point decrease in the yield on interest-bearing deposits with banks, while the average balance increased from $68.2 million in 2025 to $182.9 million in 2026.

The cost of interest-bearing liabilities decreased to 2.35% for the six months ended June 30, 2026, from 2.63% for the same period in 2025. The cost of interest-bearing deposits decreased 25 basis points and short-term borrowings decreased 164 basis points in comparison to the same period last year. The cost of interest-bearing deposits was impacted by declines in market interest rates offset by changes in the mix of deposits with growth in money market and time deposits. Comparing the six months ended June 30, 2026 with the comparable period in 2025, average time deposits increased $39.0 million, or 2.2%, while the cost of these deposits decreased 45 basis points. Contributing to the average growth in time deposits was $90.3 million in balances acquired in the second quarter of 2025 as part of the Center acquisition. The impact of the Center acquisition on average time deposit balances was an increase of $60.0 million when comparing the six-months ended June 30, 2026 to the prior year. Other interest-bearing deposits increased on average $298.8 million, or 5.1%, compared to the six months ended June 30, 2025 and the cost of these deposits decreased 18 basis points. Contributing to the average growth in other interest-bearing deposits was $146.2 million in balances acquired from Center in the second quarter of 2025. The impact of the Center acquisition on average other interest-bearing deposits was an increase of $96.9 million when comparing the six-months ended June 30, 2026 to the prior year. Compared to the prior period, short-term borrowings decreased an average of $69.6 million and long-term debt decreased an average of $93.1 million primarily due to the payoff of $129.4 million FHLB debt during the first quarter of 2026.

For the six months ended June 30, 2026, changes in rates positively impacted net interest income by $10.9 million when compared to the same period in 2025. The yield on interest-earning assets positively impacted net interest income by $0.7 million and the decrease in the cost of interest-bearing liabilities positively impacted net interest income by $10.2 million.

Changes in the volume of interest-earning assets and interest-bearing liabilities positively impacted net interest income by $8.8 million for the six months ended June 30, 2026, as compared to the same period in 2025. Higher levels of interest-earning assets resulted in an increase of $9.8 million in interest income, while changes in the volume and mix of interest-bearing liabilities increased interest expense by $1.0 million. Average interest-earning assets for the six months ended June 30, 2026 increased $337.3 million, or 3.1%, compared to the same period in 2025. Average loans for the comparable period increased $262.3 million, or 2.8%, and average investments decreased $39.7 million, or 2.4%. The Center acquisition, in the second quarter of 2025, increased ending loan balances by $292.6 million. Assuming no change in balances, this resulted in an increase in average balances of $194.0 million when comparing the six months ended June 30, 2026 with the prior year.

Net interest income was positively impacted by a $162.2 million increase in average net free funds for the six months ended June 30, 2026 as compared to the corresponding period in 2025. Average net free funds are the excess of noninterest-bearing demand deposits, other noninterest-bearing liabilities and shareholders’ equity over noninterest-earning assets. The level of net free funds was impacted by growth in average noninterest-bearing demand deposits, as well as higher average shareholders' equity due to retained earnings and stock issued for the Center acquisition. Average noninterest-bearing demand deposits for the six months ended June 30, 2026 increased $67.9 million, or 3.0%, compared to the same period in 2025.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following table reconciles interest income in the Consolidated Statements of Income to net interest income adjusted to a fully taxable equivalent basis for the six months ended June 30:

 

			2026						2025
			(dollars in thousands)
Interest income per Consolidated Statements of Income			$	316,540					$	306,054
Adjustment to fully taxable equivalent basis			746						676
Interest income adjusted to fully taxable equivalent basis (non-GAAP)			317,286						306,730
Interest expense			95,124						104,291
Net interest income adjusted to fully taxable equivalent basis (non-GAAP)			$	222,162					$	202,439

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following is an analysis of the average balance sheet and net interest income on a fully taxable equivalent basis for the six months ended June 30:

 

			2026									2025
			Average Balance			Income / Expense (a)			Yield or Rate			Average Balance			Income / Expense (a)			Yield or Rate
			(dollars in thousands)
Assets
Interest-earning assets:
Interest-bearing deposits with banks			$	182,932		$	3,490		3.85		%	$	68,177		$	1,615		4.78		%
Tax-free investment securities			15,917			219			2.77			18,183			235			2.61
Taxable investment securities			1,578,048			28,279			3.61			1,615,520			29,147			3.64
Loans and leases, net of unearned income (b)(c)			9,512,864			285,298			6.05			9,250,577			275,733			6.01
Total interest-earning assets			11,289,761			317,286			5.67			10,952,457			306,730			5.65
Noninterest-earning assets:
Cash			104,816									107,553
Allowance for credit losses			(128,119)									(123,578)
Other assets			941,418									953,224
Total noninterest-earning assets			918,115									937,199
Total Assets			$	12,207,876								$	11,889,656
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Interest-bearing demand deposits			$	1,826,196		$	11,455		1.26		%	$	1,884,516		$	13,760		1.47		%
Savings deposits			4,357,300			47,854			2.21			4,000,227			47,823			2.41
Time deposits			1,794,609			31,060			3.49			1,755,643			34,340			3.94
Short-term borrowings			29,297			315			2.17			98,879			1,866			3.81
Long-term debt			169,647			4,440			5.28			262,720			6,502			4.99
Total interest-bearing liabilities			8,177,049			95,124			2.35			8,001,985			104,291			2.63
Noninterest-bearing liabilities and shareholders’ equity:
Noninterest-bearing demand deposits			2,352,935									2,285,001
Other liabilities			115,127									141,531
Shareholders’ equity			1,562,765									1,461,139
Total Noninterest-Bearing Funding Sources			4,030,827									3,887,671
Total Liabilities and Shareholders’ Equity			$	12,207,876								$	11,889,656
Net Interest Income and Net Yield on Interest-Earning Assets						$	222,162		3.97		%				$	202,439		3.73		%

(a)Income on interest-earning assets has been computed on a fully taxable equivalent basis using the 21% federal income tax statutory rate for the six months ended June 30, 2026 and 2025.

(b)Loan balances include held for sale and nonaccrual loans. Income on nonaccrual loans is accounted for on the cash basis.

(c)Loan income includes loan fees earned.

 

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following table shows the effect of changes in volumes and rates on interest income and interest expense for the six months ended June 30, 2026 compared with June 30, 2025:

 

						Analysis of Year-to-Year Changes in Net Interest Income
						Total Change						Change Due To Volume						Change Due To Rate (a)
						(dollars in thousands)
Interest-earning assets:
Interest-bearing deposits with banks						$	1,875					$	2,720					$	(845)
Tax-free investment securities						(16)						(29)						13
Taxable investment securities						(868)						(676)						(192)
Loans and leases						9,565						7,817						1,748
Total interest income (b)						10,556						9,832						724
Interest-bearing liabilities:
Interest-bearing demand deposits						(2,305)						(425)						(1,880)
Savings deposits						31						4,267						(4,236)
Time deposits						(3,280)						761						(4,041)
Short-term borrowings						(1,551)						(1,315)						(236)
Long-term debt						(2,062)						(2,303)						241
Total interest expense						(9,167)						985						(10,152)
Net interest income						$	19,723					$	8,847					$	10,876

(a)Changes in interest income or expense not arising solely as a result of volume or rate variances are allocated to rate variances.

(b)Changes in interest income have been computed on a fully taxable equivalent basis using the 21% federal income tax statutory rate.

Provision for Credit Losses

The provision for credit losses is determined based on management’s estimates of the appropriate level of the allowance for credit losses needed for expected losses inherent in the loan portfolio and off-balance sheet commitments. The provision for credit losses is an amount added to the allowance, against which credit losses are charged.  

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The table below provides a breakout of the provision for credit losses by loan category for the six months ended June 30: 

			2026									2025
			Dollars			Percentage						Dollars			Percentage
			(dollars in thousands)
Commercial, financial, agricultural and other			$	13,842		64		%				$	8,230		66		%
Time and demand			8,084			38						4,325			35
Commercial credit cards			284			1						133			1
Equipment finance			3,714			17						2,247			18
Time and demand other			1,760			8						1,525			12
Real estate construction			803			4						(289)			(2)
Construction other			909			5						(213)			(1)
Construction residential			(106)			(1)						(76)			(1)
Residential real estate			1,023			5						443			4
Residential first lien			785			4						124			1
Residential junior lien/home equity			238			1						319			3
Commercial real estate			2,449			12						59			—
Multifamily			1,721			8						(292)			(3)
Non-owner occupied			(443)			(2)						(1,121)			(9)
Owner occupied			1,171			6						1,472			12
Loans to individuals			3,142			15						3,978			32
Automobile and recreational vehicles			2,547			12						3,407			27
Consumer credit cards			131			1						118			1
Consumer other			464			2						453			4
Provision for credit losses on loans and leases			$	21,259		100		%				$	12,421		100		%
Provision for credit losses - acquisition day 1 non-PCD			—									3,379
Total provision for credit losses on loans and leases			21,259									15,800
Provision for off-balance sheet credit exposure			(1,595)									2,593
Total provision for credit losses			$	19,664								$	18,393

Total provision expense for the six months ended June 30, 2026, increased $1.3 million compared to the six months ended June 30, 2025. Included in the provision for credit losses for the six months ended June 30, 2026 is $4.9 million in reserves related to two individually analyzed time and demand relationships and $2.1 million in reserves for one individually analyzed multifamily real estate loan, all of which were moved to nonaccrual during the first six months of 2026. Provision expense for the period was also impacted by growth in the equipment finance portfolio and a $3.4 million provision related to a time and demand loan which was moved to nonaccrual in 2026 and subsequently charged-off. In addition, provision expense was impacted by charge-offs totaling $0.8 million for three commercial loan relationships moved to held for sale.

Also impacting provision expense in the six months ended June 30, 2026 was $1.6 million in negative provision expense related to the reserve for off-balance sheet credit exposures. The level of provision for off-balance sheet exposure in 2026 is primarily due to decreased commercial and residential construction commitments.

The provision expense for the six months ended June 30, 2025 was impacted by $3.4 million recognized in the second quarter of 2025 as the day-1 non-PCD provision expense resulting from the Center acquisition. Additionally, provision expense in 2025 was impacted by growth in equipment finance and automobile and recreational vehicles loans as well as an increase in the provision for off-balance sheet commitments due to a higher level of commercial construction commitments.

The allowance for credit losses was $127.4 million, or 1.35%, of total loans and leases outstanding at June 30, 2026, compared to $125.8 million, or 1.32%, at December 31, 2025 and $133.0 million, or 1.39%, at June 30, 2025. Nonperforming loans as a percentage of total loans and leases decreased to 0.86% at June 30, 2026 from 1.04% as of June 30, 2025 and 0.97% at December 31, 2025. The allowance to nonperforming loan ratio was 156.08%, 137.07% and 133.62% as of June 30, 2026, December 31, 2025 and June 30, 2025, respectively.

 

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Management believes that the allowance for credit losses is at a level deemed appropriate to absorb expected losses inherent in the loan portfolio at June 30, 2026.

Below is an analysis of the consolidated allowance for credit losses for the six months ended June 30, 2026 and 2025 and the year-ended December 31, 2025:

 

						June 30, 2026						June 30, 2025						December 31, 2025
						(dollars in thousands)
Balance, beginning of period						$	125,768					$	118,906					$	118,906
Day 1 allowance for credit loss on PCD acquired loans						—						4,116						3,560
Provision for credit losses - acquisition day 1 non-PCD						—						3,379						3,379
Loans charged off:
Commercial, financial, agricultural and other						12,278						5,422						20,252
Real estate construction						326						—						1,294
Residential real estate						459						226						745
Commercial real estate						4,520						2,088						7,188
Loans to individuals						4,814						4,700						8,887
Total loans charged off						22,397						12,436						38,366
Recoveries of loans previously charged off:
Commercial, financial, agricultural and other						832						4,367						5,118
Real estate construction						—						—						—
Residential real estate						73						183						234
Commercial real estate						253						167						217
Loans to individuals						1,637						1,863						3,422
Total recoveries						2,795						6,580						8,991
Net charge-offs						19,602						5,856						29,375
Provision for credit losses on loans and leases charged to expense						21,259						12,421						29,298
Balance, end of period						$	127,425					$	132,966					$	125,768
Net charge-offs as a percentage of average loans and leases outstanding (annualized)						0.42		%				0.13		%				0.31		%
Allowance for credit losses as a percentage of end-of-period loans and leases outstanding						1.35		%				1.39		%				1.32		%

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Noninterest Income

The following table presents the components of noninterest income for the six months ended June 30: 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Income:
Trust income						$	6,991					$	6,051					$	940					16		%
Service charges on deposit accounts						11,274						11,033						241						2
Insurance and retail brokerage commissions						6,352						6,267						85						1
Income from bank owned life insurance						3,940						3,440						500						15
Card-related interchange income						7,666						7,652						14						—
Swap fee income						505						1,274						(769)						(60)
Other income						4,659						4,855						(196)						(4)
Subtotal						41,387						40,572						815						2
Net securities gains (losses)						540						(5,142)						5,682						(111)
Gain on sale of VISA						—						5,146						(5,146)						(100)
Gain on sale of mortgage loans						4,552						3,223						1,329						41
Gain on sale of other loans and assets						4,210						3,605						605						17
Gain on early redemption of subordinated debt						806						—						806						—
Derivatives mark to market						89						(153)						242						(158)
Total noninterest income						$	51,584					$	47,251					$	4,333					9		%

Total noninterest income for the six months ended June 30, 2026 increased $4.3 million, or 9%, compared to the six months ended June 30, 2025. This is primarily the result of an $1.3 million increase in the gain on sale of mortgage loans, a $0.6 million increase in the gain on sale of other loans and assets and an $0.8 million gain on the early redemption of subordinated debt. Included in gain on sale of other loans and assets for the six months ended June 30, 2026 was $0.4 million related to changes in the value of loans held for sale. Trust income increased $0.9 million due to revenue for assets under management and income from bank owned life insurance increased $0.5 million due to claims received as well as the impact of a stable value wrap restructure completed in the first quarter of 2025. Offsetting these increases, was a decrease of $0.8 million in swap fee income as a result of lower volume for new interest rate swaps entered into by our commercial loan customers.

Items impacting noninterest income in the six months ended June 30, 2025 include gains on the sale of VISA shares of $5.1 million, offset by net security losses of $5.1 million, resulting from the sale of available for sale securities that were sold in order to reinvest into higher yielding investments.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Noninterest Expense

The following table presents the components of noninterest expense for the six months ended June 30: 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Expense:
Salaries and employee benefits						$	85,608					$	80,999					$	4,609					6		%
Net occupancy						10,582						10,623						(41)						—
Furniture and equipment						8,997						8,740						257						3
Data processing						8,335						7,902						433						5
Advertising and promotion						3,109						2,829						280						10
Pennsylvania shares tax						2,835						2,675						160						6
Intangible amortization						2,667						2,442						225						9
Other professional fees and services						2,756						3,523						(767)						(22)
FDIC insurance						2,736						2,929						(193)						(7)
Other operating						19,696						19,243						453						2
Subtotal						147,321						141,905						5,416						4
Loss on sale or write-down of assets						653						286						367						128
Litigation and operational losses						1,633						1,263						370						29
Merger and acquisition related						223						4,064						(3,841)						(95)
Total noninterest expense						$	149,830					$	147,518					$	2,312					2		%

Noninterest expense increased $2.3 million, or 2%, for the six months ended June 30, 2026 compared to the same period in 2025. This increase is primarily the result of a $4.6 million increase in salaries and benefits expense. Contributing to the higher salary expense in 2026 was a higher number of full time equivalent employees, partially due to the Center acquisition. The number of full time equivalent employees totaled 1,562 at June 30, 2025 and 1,589 at June 30, 2026.

The decrease of $0.8 million in other professional fees and services is a result of services and advisors contracted for several areas in the prior period, none of which were individually material. In addition, merger and acquisition related expenses were $4.1 million in the first six months of 2025 due to the Center acquisition with only $0.2 million recognized in the current period.

Income Tax

The provision for income taxes increased $4.4 million for the six months ended June 30, 2026, compared to the corresponding period in 2025, primarily due to the higher level of income before tax. 

We applied the “annual effective tax rate approach” to determine the provision for income taxes, which applies an annual forecast of tax expense as a percentage of expected full year income, for the six months ended June 30, 2026 and 2025.

We generate an annual effective tax rate that is less than the statutory rate of 21% due to benefits resulting from tax-exempt interest, income from bank-owned life insurance and tax benefits associated with low income housing tax credits, all of which are relatively consistent regardless of the level of pretax income. These provided for an effective tax rate of 20.6% and 20.5% for the six months ended June 30, 2026 and 2025, respectively.

As of June 30, 2026, our deferred tax assets totaled $43.2 million. Based on our evaluation, we determined that it is more likely than not that all of these assets will be realized. As a result, a valuation allowance against these assets was not recorded. In evaluating the need for a valuation allowance, we estimate future taxable income based on management approved forecasts, evaluation of historical earnings levels and consideration of potential tax strategies. If future events differ from our current forecasts, we may need to establish a valuation allowance, which could have a material impact on our financial condition and results of operations.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Results of Operations

Three Months Ended June 30, 2026 Compared to Three Months Ended June 30, 2025

Net Income

For the three months ended June 30, 2026, First Commonwealth recognized net income of $44.6 million, or $0.44 diluted earnings per share, compared to net income of $33.4 million, or $0.32 diluted earnings per share, in the three months ended June 30, 2025. The increase in net income between the two periods is attributable to a $6.2 million increase in net interest income, a $2.2 million increase in noninterest income, a $3.7 million decrease in the provision for credit losses and a $2.0 million decrease in noninterest expense. Offsetting these positive changes is a $3.0 million increase in income tax expense.

For the three months ended June 30, 2026, the Company’s return on average equity was 11.44% and its return on average assets was 1.47%, compared to 8.97% and 1.11%, respectively, for the three months ended June 30, 2025.

Net Interest Income

Net interest income, on a fully taxable equivalent basis, was $112.8 million in the second quarter of 2026, compared to $106.6 million for the same period in 2025. The increase in net interest income can be attributed to a 28 basis point decrease in the cost of interest-bearing liabilities offset by a 5 basis point decrease in the yield on interest-earning assets. Net interest income comprises the majority of our operating revenue (i.e., net interest income before provision expense plus noninterest income), at 80.6% and 81.1% for the three months ended June 30, 2026 and 2025, respectively.

The net interest margin, on a fully taxable equivalent basis, was 4.01% and 3.83% for the three months ended June 30, 2026 and 2025, respectively.

The taxable equivalent yield on interest-earning assets was 5.68% for the three months ended June 30, 2026, a decrease of five basis points compared to the 5.73% yield for the same period in 2025. Contributing to this change is a one basis point decrease in the investment portfolio yield in comparison to the prior year and a decrease of 99 basis points in the yield on interest-bearing balances with banks due to lower market rates. The average investment portfolio balance decreased $9.5 million while the average balance of interest-bearing deposits with banks increased from $59.6 million in 2025 to $158.3 million in 2026.

The loan portfolio yield when compared to the three months ended June 30, 2025, decreased by two basis points. Accretion of purchase accounting marks contributed $1.3 million or five basis points to the yield on interest-earnings assets in the three months ended June 30, 2026. For the three months ended June 30, 2025, accretion of purchase accounting marks contributed $2.6 million, or ten basis points, to the yield on interest-earning assets.

The cost of interest-bearing liabilities decreased to 2.31% for the three months ended June 30, 2026, from 2.59% for the same period in 2025, primarily due to decreases in the cost of time and interest-bearing deposits. Comparing the three months ended June 30, 2026 with the comparable period in 2025, average time deposits increased $21.2 million, or 1.2%, while the cost of these deposits decreased 39 basis points. Over this same period, interest-bearing demand and savings deposits increased on average $223.1 million, or 3.7%, compared to the three months ended June 30, 2025 and the cost of those deposits decreased 17 basis points. The cost of short-term borrowings decreased 194 basis points in comparison to the same period last year as a result of changes in market rates.

For the three months ended June 30, 2026, changes in interest rates positively impacted net interest income by $3.5 million when compared with the same period in 2025. The lower yield on loans in 2026 contributed to a lower yield on interest-earning assets, negatively impacting net interest income by $1.1 million, while a decrease in the cost of interest-bearing liabilities positively impacted net interest income by $4.6 million.

Changes in the volume of interest-earning assets and interest-bearing liabilities positively impacted net interest income by $2.7 million during the three months ended June 30, 2026, as compared to the same period in 2025. The growth and mix of interest-earning assets resulted in an increase of $1.6 million in interest income, while changes in the volume and mix of interest-bearing liabilities decreased interest expense by $1.2 million.

Average interest-earning assets for the three months ended June 30, 2026 increased $118.9 million, or 1.1%, compared to the same period in 2025. Average loans for the comparable period increased $29.7 million, or 0.3%, positively impacting interest income by $0.5 million, while average interest-bearing deposits with banks increased $98.7 million, benefiting interest income by $1.2 million. Average interest-bearing liabilities decreased by $6.7 million, favorably impacting net interest income by $1.2 million. Short-term borrowings and long-term debt average balances decreased by $250.9 million, resulting $2.9 million in lower interest expense. Offsetting this benefit were increases in average savings and time deposit balances. Average savings

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

deposits for the three months ended June 30, 2026 increased by $291.1 million compared to the prior period, resulting in additional interest expense of $1.7 million, while average time deposits balances increased by $21.2 million compared to the comparable period in 2025, increasing interest expense by $0.2 million.

Net interest income was positively impacted by a $125.6 million increase in average net free funds for the three months ended June 30, 2026 as compared to June 30, 2025. Average net free funds are the excess of noninterest-bearing demand deposits, other noninterest-bearing liabilities and shareholders’ equity over noninterest-earning assets. The increase in the level of net free funds was primarily the result of an increase in the balance of shareholders' equity due to retained earnings as well as an increase in noninterest-bearing demand deposits.

The following table reconciles interest income in the Consolidated Statements of Income to net interest income adjusted to a fully taxable equivalent basis for the three months ended June 30:

 

			2026						2025
			(dollars in thousands)
Interest income per Consolidated Statements of Income			$	159,322					$	158,926
Adjustment to fully taxable equivalent basis			385						341
Interest income adjusted to fully taxable equivalent basis (non-GAAP)			159,707						159,267
Interest expense			46,880						52,685
Net interest income adjusted to fully taxable equivalent basis (non-GAAP)			$	112,827					$	106,582

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following is an analysis of the average balance sheets and net interest income on a fully taxable equivalent basis for the three months ended June 30:

 

			2026									2025
			Average Balance			Income / Expense (a)			Yield or Rate			Average Balance			Income / Expense (a)			Yield or Rate
			(dollars in thousands)
Assets
Interest-earning assets:
Interest-bearing deposits with banks			$	158,346		$	1,523		3.86		%	$	59,614		$	721		4.85		%
Tax-free investment securities			15,684			109			2.79			17,961			115			2.57
Taxable investment securities			1,641,770			15,015			3.67			1,649,027			15,142			3.68
Loans and leases, net of unearned income (b)(c)			9,460,013			143,060			6.07			9,430,284			143,289			6.09
Total interest-earning assets			11,275,813			159,707			5.68			11,156,886			159,267			5.73
Noninterest-earning assets:
Cash			99,136									107,776
Allowance for credit losses			(128,959)									(126,570)
Other assets			945,143									958,235
Total noninterest-earning assets			915,320									939,441
Total Assets			$	12,191,133								$	12,096,327
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Interest-bearing demand deposits			$	1,846,994		$	5,840		1.27		%	$	1,915,020		$	7,055		1.48		%
Savings deposits			4,374,382			23,939			2.20			4,083,306			24,220			2.38
Time deposits			1,769,090			15,139			3.43			1,747,881			16,644			3.82
Short-term borrowings			26,854			146			2.18			146,503			1,506			4.12
Long-term debt			131,357			1,816			5.55			262,633			3,260			4.98
Total interest-bearing liabilities			8,148,677			46,880			2.31			8,155,343			52,685			2.59
Noninterest-bearing liabilities and shareholders’ equity:
Noninterest-bearing demand deposits			2,366,559									2,316,854
Other liabilities			112,616									131,218
Shareholders’ equity			1,563,281									1,492,912
Total noninterest-bearing funding sources			4,042,456									3,940,984
Total Liabilities and Shareholders’ Equity			$	12,191,133								$	12,096,327
Net Interest Income and Net Yield on Interest-Earning Assets						$	112,827		4.01		%				$	106,582		3.83		%

(a)Income on interest-earning assets has been computed on a fully taxable equivalent basis using the 21% federal income tax statutory rate for the three months ended June 30, 2026 and 2025.

(b)Loan balances include held for sale and nonaccrual loans. Income on nonaccrual loans is accounted for on the cash basis.

(c)Loan income includes loan fees earned.

 

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following table shows the effect of changes in volumes and rates on interest income and interest expense for the three months ended June 30, 2026 compared with June 30, 2025:

 

						Analysis of Year-to-Year Changes in Net Interest Income
						Total Change						Change Due To Volume						Change Due To Rate (a)
						(dollars in thousands)
Interest-earning assets:
Interest-bearing deposits with banks						$	802					$	1,194					$	(392)
Tax-free investment securities						(6)						(15)						9
Taxable investment securities						(127)						(67)						(60)
Loans and leases						(229)						451						(680)
Total interest income (b)						440						1,563						(1,123)
Interest-bearing liabilities:
Interest-bearing demand deposits						(1,215)						(251)						(964)
Savings deposits						(281)						1,727						(2,008)
Time deposits						(1,505)						202						(1,707)
Short-term borrowings						(1,360)						(1,229)						(131)
Long-term debt						(1,444)						(1,630)						186
Total interest expense						(5,805)						(1,181)						(4,624)
Net interest income						$	6,245					$	2,744					$	3,501

 

(a)Changes in interest income or expense not arising solely as a result of volume or rate variances are allocated to rate variances.

(b)Changes in interest income have been computed on a fully taxable equivalent basis using the 21% federal income tax statutory rate.

Provision for Credit Losses

The provision for credit losses is determined based on management’s estimates of the appropriate level of the allowance for credit losses needed for probable losses inherent in the loan portfolio, after giving consideration to charge-offs and recoveries for the period. The provision for credit losses is an amount added to the allowance, against which credit losses are charged.

 

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The table below provides a breakout of the provision for credit losses by loan category for the three months ended June 30: 

			2026									2025
			Dollars			Percentage						Dollars			Percentage
			(dollars in thousands)
Commercial, financial, agricultural and other			$	5,613		58		%				$	5,687		69		%
Time and demand			2,653			27						3,866			47
Commercial credit cards			113			1						29			—
Equipment finance			1,800			19						870			11
Time and demand other			1,047			11						922			11
Real estate construction			1,184			12						(1,091)			(13)
Construction other			1,140			12						(972)			(12)
Construction residential			44			—						(119)			(1)
Residential real estate			588			6						530			6
Residential first lien			384			4						262			3
Residential junior lien/home equity			204			2						268			3
Commercial real estate			658			7						612			7
Multifamily			(273)			(3)						(339)			(4)
Non-owner occupied			507			5						(367)			(5)
Owner occupied			424			5						1,318			16
Loans to individuals			1,640			17						2,560			31
Automobile and recreational vehicles			1,322			14						2,092			25
Consumer credit cards			80			1						59			1
Consumer other			238			2						409			5
Provision for credit losses on loans and leases			$	9,683		100		%				$	8,298		100		%
Provision for credit losses - acquisition day 1 non-PCD			—									3,379
Total provision for credit losses on loans and leases			9,683									11,677
Provision for off-balance sheet credit exposure			(752)									980
Total provision for credit losses			$	8,931								$	12,657

The provision for credit losses on loans and leases for the three months ended June 30, 2026 decreased in comparison to the three months ended June 30, 2025 by $2.0 million. Included in the provision for credit losses for the three months ended June 30, 2026 is a $0.7 million specific reserve related to a time and demand loan that was moved to nonaccrual during the period. Also impacting provision expense for the three months ended June 30, 2026 were changes in the economic forecast and prepayment speeds used in the allowance for credit losses calculation. These changes resulted in additional provision expense of $2.2 million.

The level of provision expense in the second quarter of 2025 was impacted by $3.4 million recognized as the day-1 non-PCD provision expense related to the Center acquisition. Loan growth and the economic forecast also contributed to the provision expense in the second quarter of 2025.

Additionally, the provision for off-balance sheet credit exposure decreased $1.7 million primarily due to the level of unfunded commitments for construction loans. Total net charge-offs for the three months ended June 30, 2026 were $11.4 million and $2.8 million for the three months ended June 30, 2025.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Below is an analysis of the consolidated allowance for credit losses for the three months ended June 30, 2026 and 2025 and the year-ended December 31, 2025:

 

						June 30, 2026						June 30, 2025						December 31, 2025
						(dollars in thousands)
Balance, beginning of period						$	129,183					$	119,931					$	118,906
Day 1 allowance for credit loss on PCD acquired loans						—						4,116						3,560
Provision for credit losses - acquisition day 1 non-PCD						—						3,379						3,379
Loans charged off:
Commercial, financial, agricultural and other						8,264						1,403						20,252
Real estate construction						—						—						1,294
Residential real estate						314						118						745
Commercial real estate						2,212						624						7,188
Loans to individuals						2,170						2,281						8,887
Total loans charged off						12,960						4,426						38,366
Recoveries of loans previously charged off:
Commercial, financial, agricultural and other						426						677						5,118
Real estate construction						—						—						—
Residential real estate						47						46						234
Commercial real estate						213						11						217
Loans to individuals						833						934						3,422
Total recoveries						1,519						1,668						8,991
Net charge-offs						11,441						2,758						29,375
Provision for credit losses on loans charged to expense						9,683						8,298						29,298
Balance, end of period						$	127,425					$	132,966					$	125,768

Noninterest Income

The following table presents the components of noninterest income for the three months ended June 30: 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Income:
Trust income						$	3,583					$	3,029					$	554					18		%
Service charges on deposit accounts						5,744						5,595						149						3
Insurance and retail brokerage commissions						3,085						3,097						(12)						—
Income from bank owned life insurance						2,144						1,938						206						11
Card-related interchange income						4,005						3,998						7						—
Swap fee income						383						439						(56)						(13)
Other income						2,476						2,600						(124)						(5)
Subtotal						21,420						20,696						724						3
Net securities gains						311						—						311						—
Gain on sale of mortgage loans						2,337						1,836						501						27
Gain on sale of other loans and assets						2,028						2,217						(189)						(9)
Gain on early redemption of subordinated debt						806						—						806						—
Derivatives mark to market						95						—						95						—
Total noninterest income						$	26,997					$	24,749					$	2,248					9		%

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Total noninterest income for the three months ended June 30, 2026 increased $2.2 million compared to the three months ended June 30, 2025. The most significant change includes an $0.8 million gain on the early redemption of subordinated debt, a $0.6 million increase in trust income due to revenue for assets under management and a $0.5 million increase in the gain on mortgage loans due to the volume of loans sold. These were offset by a $0.2 million decrease in gain on sale of loans and other assets due to the volume and spread of SBA loans sold and swap fee income which decreased $0.1 million as a result of lower volume of new interest rate swaps entered into by our commercial loan customers. The increase in net security gains is primarily due to a gain related to the call of a corporate investment security recognized in the second quarter of 2026.

Noninterest Expense

The following table presents the components of noninterest expense for the three months ended June 30:

 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Expense:
Salaries and employee benefits						$	42,734					$	40,584					$	2,150					5		%
Net occupancy						5,017						4,894						123						3
Furniture and equipment						4,174						4,547						(373)						(8)
Data processing						4,152						4,085						67						2
Advertising and promotion						1,438						1,457						(19)						(1)
Pennsylvania shares tax						1,505						1,338						167						12
Intangible amortization						1,303						1,311						(8)						(1)
Other professional fees and services						1,650						1,903						(253)						(13)
FDIC insurance						1,147						1,550						(403)						(26)
Other operating						10,147						10,103						44						—
Subtotal						73,267						71,772						1,495						2
Loss on sale or write-down of assets						86						71						15						21
Litigation and operational losses						776						470						306						65
Merger and acquisition related						106						3,955						(3,849)						(97)
Total noninterest expense						$	74,235					$	76,268					$	(2,033)					(3)		%

Noninterest expense decreased $2.0 million for the three months ended June 30, 2026 compared to the same period in 2025. The decrease is primarily the result of a decrease of $3.8 million in merger and acquisition expense related to the Center acquisition offset by a $2.2 million increase in salaries and employee benefits expense primarily due to annual merit increases, incentive expense and a higher number of full time equivalent employees.

Income Tax

The provision for income taxes increased $3.0 million for the three months ended June 30, 2026, compared to the corresponding period in 2025.  The effective tax rate increased 20 basis points from 20.6% for the three months ended June 30, 2025 to 20.8% for the three months ended June 30, 2026.

We applied the “annual effective tax rate approach” to determine the provision for income taxes, which applies an annual forecast of tax expense as a percentage of expected full year income, for the three months ended June 30, 2026 and 2025.

Liquidity

Liquidity refers to our ability to meet the cash flow requirements of depositors and borrowers, as well as our operating cash needs, with cost-effective funding. We generate funds to meet these needs primarily through the core deposit base of First Commonwealth Bank and the maturity or repayment of loans and other interest-earning assets, including investments. During the first six months of 2026, the sale, maturity and redemption of investment securities provided $198.8 million in liquidity. These funds contributed to the liquidity available to originate loans, purchase investment securities and fund depositor withdrawals.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following represents our expanded sources of liquidity as of June 30, 2026:

						Total Available						Amount Used						Outstanding Letters of Credit						Net Available
						(dollars in thousands)
Internal liquidity sources
Unencumbered securities						$	758,802					$	—					$	—					$	758,802
Other (excess pledged)						129,488						—						—						129,488
External liquidity sources
FHLB advances						2,686,353						120,000						6,113						2,560,240
FRB borrowings						1,014,887						—						—						1,014,887
Lines with other financial institutions						160,000						—						—						160,000
CDARs (1)						1,217,568						14,422						—						1,203,146
Total liquidity						$	5,967,098					$	134,422					$	6,113					$	5,826,563

(1) Reflects internal policy limit. Maximum capacity with CDARs is $1.8 billion.

Our participation in the Certificate of Deposit Account Registry Services (“CDARS”) program is part of an Asset/Liability Committee (“ALCO”) strategy to increase and diversify funding sources. As of June 30, 2026, the outstanding CDARS balance of $14.4 million carried an average weighted rate of 2.96% and an average original term of 327 days. These deposits are part of a reciprocal program that allows our depositors to receive expanded FDIC coverage by placing multiple certificates of deposit at other CDARS member banks.

Liquidity available through the Federal Reserve is a result of the FRB Borrower-in-Custody of Collateral program, which enables us to take certain loans that are not being used as collateral at the FHLB and pledge them as collateral for borrowings at the FRB. 

First Commonwealth’s long-term liquidity source is its core deposit base. Core deposits are the most stable source of liquidity a bank can have due to the long-term relationship with a deposit customer. The following table shows a breakdown of the components of First Commonwealth’s deposits: 

																		June 30, 2026						December 31, 2025
																		Amount						Originated						Acquired(a)						Amount
																		(dollars in thousands)
Noninterest-bearing demand deposits																		$	2,413,605					$	2,331,287					$	41,484					$	2,372,771
Interest-bearing demand deposits																		1,802,938						1,782,509						13,004						1,795,513
Savings deposits																		4,360,889						4,108,572						133,190						4,241,762
Time deposits																		1,682,629						1,750,616						90,307						1,840,923
Total																		$	10,260,061					$	9,972,984					$	277,985					$	10,250,969

(a)Reflects the deposit balances, including purchase accounting marks, of deposits acquired from Center as of the acquisition date of April 30, 2025.

The level of deposits during any period is influenced by factors outside of management’s control, such as the level of short-term and long-term market interest rates and yields offered on competing investments, such as money market mutual funds.

During the first six months of 2026, total deposits increased $9.1 million. Interest-bearing demand and savings deposits increased $126.6 million, time deposits decreased $158.3 million, and noninterest-bearing demand deposits decreased $40.8 million.

The estimated total of uninsured deposits was $2.8 billion and $2.9 billion at June 30, 2026 and December 31, 2025, respectively, of which $0.8 billion were secured by pledged investment securities or letters of credit as of both June 30, 2026 and December 31, 2025. Uninsured amounts are estimated based on known account relationships for each depositor and insurance guidelines provided by the FDIC.

Market Risk

The following gap analysis compares the difference between the amount of interest-earning assets and interest-bearing liabilities subject to repricing over a period of time. The ratio of rate-sensitive assets to rate-sensitive liabilities repricing within

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FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

a one-year period was 0.70 at both June 30, 2026 and December 31, 2025. A ratio of less than one indicates a higher level of repricing liabilities over repricing assets over the next twelve months. The level of First Commonwealth's ratio is largely driven by the modeling of interest-bearing non-maturity deposits, which are included in the analysis as repricing within one year.

Gap analysis has limitations due to the static nature of the model, which holds volumes and consumer behaviors constant in all economic and interest rate scenarios. A lower level of rate sensitive assets to rate sensitive liabilities repricing in one year could indicate reduced net interest income in a rising interest rate scenario, and conversely, increased net interest income in a declining interest rate scenario. However, the gap analysis incorporates only the level of interest-earning assets and interest-bearing liabilities and not the sensitivity each has to changes in interest rates. The impact of the sensitivity to changes in interest rates is provided in the table below the gap analysis.

The following is the gap analysis as of June 30, 2026 and December 31, 2025: 

						June 30, 2026
						0-90 Days						91-180 Days						181-365 Days						Cumulative 0-365 Days						Over 1 Year Through 5 Years						Over 5 Years
						(dollars in thousands)
Loans and leases						$	3,905,300					$	497,987					$	783,587					$	5,186,874					$	3,445,732					$	706,447
Investments						106,336						65,505						121,494						293,335						740,622						723,837
Other interest-earning assets						68,005						—						—						68,005						—						1,303
Total interest-sensitive assets (ISA)						4,079,641						563,492						905,081						5,548,214						4,186,354						1,431,587
Certificates of deposit						798,105						371,275						420,966						1,590,346						91,152						965
Other deposits						6,163,827						—						—						6,163,827						—						—
Borrowings						210,113						—						—						210,113						50,000						—
Total interest-sensitive liabilities (ISL)						7,172,045						371,275						420,966						7,964,286						141,152						965
Gap						$	(3,092,404)					$	192,217					$	484,115					$	(2,416,072)					$	4,045,202					$	1,430,622
ISA/ISL						0.57						1.52						2.15						0.70						29.66						1,483.51
Gap/Total assets						25.33		%				1.57		%				3.97		%				19.79		%				33.14		%				11.72		%

 

						December 31, 2025
						0-90 Days						91-180 Days						181-365 Days						Cumulative 0-365 Days						Over 1 Year Through 5 Years						Over 5 Years
						(dollars in thousands)
Loans and leases						$	3,962,518					$	534,440					$	846,281					$	5,343,239					$	3,308,592					$	724,461
Investments						83,620						64,581						134,135						282,336						676,118						657,200
Other interest-earning assets						75,812						—						—						75,812						—						1,270
Total interest-sensitive assets (ISA)						4,121,950						599,021						980,416						5,701,387						3,984,710						1,382,931
Certificates of deposit						770,770						629,285						367,335						1,767,390						72,102						916
Other deposits						6,037,275						—						—						6,037,275						—						—
Borrowings						227,167						215						127,431						354,813						51,693						—
Total interest-sensitive liabilities (ISL)						7,035,212						629,500						494,766						8,159,478						123,795						916
Gap						$	(2,913,262)					$	(30,479)					$	485,650					$	(2,458,091)					$	3,860,915					$	1,382,015
ISA/ISL						0.59						0.95						1.98						0.70						32.19						1,509.75
Gap/Total assets						23.60		%				0.25		%				3.93		%				19.91		%				31.28		%				11.20		%

The following table presents an analysis of the potential sensitivity of our annual net interest income to gradual changes in interest rates over a 12-month time frame as compared with net interest income if rates remained unchanged and there are no changes in balance sheet categories.

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FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

 

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						Net interest income change (12 months) for basis point movements of:
						-200						-100						+100						+200
						(dollars in thousands)
June 30, 2026 ($)						$	(1,396)					$	(777)					$	5,834					$	10,772
June 30, 2026 (%)						(0.30)		%				(0.17)		%				1.25		%				2.30		%
December 31, 2025 ($)						$	(1,761)					$	(979)					$	4,114					$	8,173
December 31, 2025 (%)						(0.40)		%				(0.22)		%				0.95		%				1.88		%

The following table represents the potential sensitivity of our annual net interest income to immediate changes in interest rates versus if rates remained unchanged and there are no changes in balance sheet categories.

						Net interest income change (12 months) for basis point movements of:
						-200						-100						+100						+200
						(dollars in thousands)
June 30, 2026 ($)						$	(11,150)					$	(4,696)					$	17,087					$	32,140
June 30, 2026 (%)						(2.39)		%				(1.00)		%				3.66		%				6.88		%
December 31, 2025 ($)						$	(9,798)					$	(4,118)					$	13,061					$	25,334
December 31, 2025 (%)						(2.25)		%				(0.95)		%				3.00		%				5.82		%

The Company evaluates its potential interest rate sensitivity by utilizing several interest rate scenarios that incorporate both rising and declining rates. Results of these scenarios are impacted by variables that include the current level of interest rates, product characteristics such as floors and ceilings, the frequency with which variable rate products reset their rates, and projected pricing changes for non-maturity deposits. For example, the results in a declining rate scenario could be affected by the model's use of an assumed interest rate floor of zero. For the six months ended June 30, 2026 and 2025, the cost of our interest-bearing liabilities averaged 2.35% and 2.63%, respectively, and the yield on our average interest-earning assets, on a fully taxable equivalent basis, averaged 5.67% and 5.65%, respectively.

Asset/liability models require that certain assumptions be made, such as prepayment rates on earning assets and the impact of pricing on non-maturity deposits, which may differ from actual experience. These business assumptions are based upon our experience, business plans and published industry experience. While management believes such assumptions to be reasonable, there can be no assurance that modeled results will approximate actual results.

Credit Risk

Management of credit risk within our loan and lease portfolio is a focus of the Company and is a continuous process in order to address changing economic and lending environments. Segment and concentration limits are established and approved by our Board of Directors’ Risk Committee in order to maintain alignment with our credit risk appetite, loan strategic plan, loan policy and underwriting guidelines. In addition, our Credit Department completes industry studies to identify potential risk in the portfolio. For example, within the commercial real estate portfolio, industry studies are completed for the following sectors: hospitality, industrial, multifamily, office, retail, senior living, healthcare and student housing. All industry studies are completed on an annual basis with the exception of senior living and healthcare which are completed every other year.

On an annual basis, the Credit Department also reviews the commercial real estate portfolio as a whole, along with underwriting practices and loan level stress testing procedures, to enhance risk management practices and monitor commercial real estate concentrations. This review provides an overview of the portfolio to ensure that emerging risks have been identified, and documents and validates the standard interest rate and capitalization rate stress scenarios.

First Commonwealth maintains an allowance for credit losses at a level deemed sufficient for losses inherent in the loan and lease portfolio at the date of each statement of financial condition. Management reviews the appropriateness of the allowance on a quarterly basis to ensure that the provision for credit losses has been charged against earnings in an amount necessary to maintain the allowance at a level that is appropriate based on management’s assessment of estimated expected losses.

First Commonwealth’s methodology for assessing the appropriateness of the allowance for credit losses consists of several key elements. These elements include an assessment of individual nonperforming loans with a balance greater than $250 thousand, loss experience trends and other relevant factors.

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FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

First Commonwealth also maintains a reserve for unfunded loan commitments and letters of credit based upon credit risk and probability of funding. The reserve totaled $6.6 million at June 30, 2026 and is classified in "Other liabilities" on the unaudited Consolidated Statements of Financial Condition.

We discontinue interest accruals on a loan when, based on current information and events, it is probable that we will be unable to fully collect principal or interest due according to the contractual terms of the loan. A loan is also placed on nonaccrual status when, based on regulatory definitions, the loan is maintained on a “cash basis” due to the weakened financial condition of the borrower. Generally, loans 90 days or more past due are placed on nonaccrual status, except for consumer loans, which are placed on nonaccrual status at 150 days past due. Consumer loans related to automobile and recreational vehicles are either charged off or repossessed at no later than 90 days past due.

Nonperforming loans are closely monitored on an ongoing basis as part of our loan review and work-out process. The probable risk of loss on these loans is evaluated by comparing the loan balance to the estimated fair value of any underlying collateral or the present value of projected future cash flows. Losses or a specifically assigned allowance for loan losses are recognized where appropriate.

Nonperforming loans and leases, including loans held for sale, decreased $10.1 million to $81.6 million at June 30, 2026, compared to $91.8 million at December 31, 2025. During the six months ended June, 30, 2026, a total of $33.7 million in loans were moved to a nonperforming status. This total includes three commercial relationships totaling $32.5 million. As of June 30, 2026, reserves of $8.2 million are included in the allowance for credit losses for these relationships. Offsetting the additions to nonperforming was the transfer of two commercial relationships back to accrual status totaling $8.6 million, releasing $2.3 million in reserves from the allowance for credit losses. Additionally, two commercial relationships totaling $5.2 million were transferred to held for sale, recognizing $0.6 million in charge-offs, and a $3.2 million commercial relationship was resolved with the Company accepting $1.3 million as satisfaction for the loan balance, recognizing a charge-off of $1.9 million, for which $1.7 million was provided for at December 31, 2025. Also impacting nonperforming loan balances in the first half of 2026, was a $1.9 million paydown of a $2.5 million dealer floor plan relationship with the Company recognizing a previously provided for charge-off of $0.7 million. In addition, four large nonperforming commercial relationships totaling $6.6 million paid off during the six-months ended June 30, 2026. Charge-offs for the six months ended June 30, 2026 totaled $22.4 million.

The allowance for credit losses as a percentage of nonperforming loans was 156.08% as of June 30, 2026, compared to 137.07% at December 31, 2025, and 133.62% at June 30, 2025. The amount of individually analyzed reserves included in the allowance for nonperforming loans and leases was determined by using fair values obtained from current appraisals. The allowance for credit losses includes specific allocations of $10.3 million and general reserves of $117.1 million as of June 30, 2026. Specific reserves increased $0.5 million in comparison to December 31, 2025 and decreased $3.8 million from June 30, 2025. The increase in specific reserves compared to December 31, 2025 is primarily due to specific reserves applied to individually analyzed loans moved to nonperforming during the second quarter.

Criticized loans totaled $286.5 million at June 30, 2026 and represented 3.0% of the loan portfolio. The level of criticized loans increased as of June 30, 2026 when compared to December 31, 2025, by $19.3 million, or 7%. Classified loans totaled $148.4 million at June 30, 2026 compared to $139.4 million at December 31, 2025, an increase of $9.0 million, or 6%.

The allowance for credit losses was $127.4 million at June 30, 2026, or 1.35% of total loans and leases outstanding, compared to 1.32% reported at December 31, 2025, and 1.39% at June 30, 2025. General reserves, or the portion of the allowance related to loans that were not individually analyzed, as a percentage of performing loans were 1.24% at June 30, 2026 compared to 1.22% at December 31, 2025 and 1.26% at June 30, 2025.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

The following table provides information related to nonperforming assets, the allowance for credit losses and other credit-related measurements:

						June 30,																					December 31, 2025
						2026												2025
						(dollars in thousands)
Nonperforming Loans:
Loans on nonaccrual basis						$	50,298											$	71,590											$	51,151
Loans on a nonaccrual basis - with government guarantees						22,510												11,590												30,325
Loans on nonaccrual basis - acquired						8,031												15,024												9,393
Loans on nonaccrual basis - acquired with government guarantees						801												1,303												887
Total nonperforming loans						$	81,640											$	99,507											$	91,756
Loans past due 30 to 90 days and still accruing						$	43,232											$	17,117											$	35,792
Loans past due in excess of 90 days and still accruing						$	3,218											$	1,297											$	1,288
Other real estate owned						$	2,270											$	1,049											$	990
Loans held for sale at end of period						$	44,764											$	42,993											$	271,452
Portfolio loans and leases outstanding at end of period						$	9,467,229											$	9,570,815											$	9,508,039
Average loans and leases outstanding						$	9,512,864					(a)						$	9,250,577					(a)						$	9,474,491					(b)
Nonperforming loans as a percentage of total loans and leases						0.86		%										1.04		%										0.97		%
Provision for credit losses on loans and leases (e)						$	21,259					(a)						$	12,421					(a)						$	29,298					(b)
Provision for credit losses - acquisition day 1 non-PCD						$	—											$	3,759											$	3,759
Allowance for credit losses						$	127,425											$	132,966											$	125,768
Net charge-offs						$	19,602					(a)						$	5,856					(a)						$	29,375					(b)
Net charge-offs as a percentage of average loans and leases outstanding (annualized)						0.42		%										0.13		%										0.31		%
Provision for credit losses as a percentage of net charge-offs (e)						108.45		%				(a)						212.11		%				(a)						99.74		%				(b)
Allowance for credit losses as a percentage of end-of-period loans and leases outstanding (c)						1.35		%										1.39		%										1.32		%
Allowance for credit losses as a percentage of nonperforming loans (d)						156.08		%										133.62		%										137.07		%

(a)For the six-month period ended.

(b)For the twelve-month period ended.

(c)Does not include loans held for sale.

(d)Does not include nonperforming loans held for sale.

(e)Does not include provision for credit losses on loans and leases - acquisition day 1 non-PCD.

The following tables show the outstanding balances of our loan and lease portfolio and the breakdown of net charge-offs and nonperforming loans, excluding loans held for sale, by loan type as of and for the periods presented:

 

																		June 30, 2026												December 31, 2025
																		Amount						%						Legacy						Acquired(a)						Amount						%
																		(dollars in thousands)
Commercial, financial, agricultural and other																		$	2,071,387					22		%				$	1,983,756					$	61,233					$	2,044,989					22		%
Real estate construction																		486,666						5						429,265						33,521						462,786						5
Residential real estate																		2,368,166						25						2,277,365						82,920						2,360,285						25
Commercial real estate																		3,083,774						33						3,067,542						114,567						3,182,109						33
Loans to individuals																		1,457,236						15						1,457,493						377						1,457,870						15
Total loans and leases, net of unearned income																		$	9,467,229					100		%				$	9,215,421					$	292,618					$	9,508,039					100		%

(a)Reflects the balances, excluding loans held for sale and including purchase accounting marks, of loans acquired from Center as of the acquisition date of April 30, 2025.

During the six months ended June 30, 2026, loans decreased $40.8 million compared to balances outstanding at December 31, 2025.

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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Commercial, financial, agricultural and other loans increased $26.4 million, or 1.3%. Within this category, $91.5 million of growth occurred in the equipment finance portfolio, offset by a $74.3 million decrease in the time and demand portfolio. Real estate construction loans increased $23.9 million, or 5.2%, due to growth in commercial real estate projects. Residential real estate loans increased $7.9 million, or 0.3%, primarily due to growth in home equity loans. Commercial real estate loans decreased $98.3 million, or 3.1%, as a result of decline in loans secured by non-owner occupied commercial real estate. Loans to individuals decreased $0.6 million, or 0.04%, primarily due to a decrease in consumer credit card and consumer other loans.

Commercial real estate comprises 33% of our total loan portfolio. Commercial real estate loans are collateralized by real estate properties including, but not limited to, multifamily properties, office, retail, hotels and student housing. The following table summarizes the commercial real estate portfolio by type of property securing the credit.

						June 30, 2026												December 31, 2025
						Amount						%						Amount						%
						(dollars in thousands)
Land						$	6,509					0.2		%				$	8,757					0.3		%
Residential 1-4						5,964						0.2						5,380						0.2
Industrial and storage						630,547						20.4						645,211						20.3
Multifamily						658,707						21.4						576,299						18.1
Office						425,540						13.8						470,133						14.8
Healthcare						111,847						3.6						143,056						4.5
Student housing						100,415						3.3						139,645						4.4
Retail						756,426						24.5						774,070						24.3
Hospitality						207,226						6.7						238,531						7.4
Specialty use						178,593						5.8						178,940						5.6
Other						2,000						0.1						2,087						0.1
Total						$	3,083,774					100.0		%				$	3,182,109					100.0		%

The following tables represent our commercial real estate portfolio by type of property securing the credit as of June 30, 2026. Total non-pass commercial real estate loans increased by $11.1 million to $138.6 million when compared to December 31, 2025.

						Pass						OAEM						Substandard Accruing						Substandard Nonaccruing						Total Non-Pass						Total						% Non-Pass
						(dollars in thousands)
Land						$	6,509					$	—					$	—					$	—					$	—					$	6,509					—		%
Residential 1-4						5,685						—						279						—						279						5,964						4.7
Industrial and storage						613,095						11,170						5,805						477						17,452						630,547						2.8
Multifamily						621,827						18,260						2,823						15,797						36,880						658,707						5.6
Office						392,180						14,521						13,939						4,900						33,360						425,540						7.8
Healthcare						107,310						1,862						2,637						38						4,537						111,847						4.1
Student housing						95,550						4,865						—						—						4,865						100,415						4.8
Retail						739,756						2,424						10,626						3,620						16,670						756,426						2.2
Hospitality						195,090						12,136						—						—						12,136						207,226						5.9
Specialty use						166,278						4,366						7,159						790						12,315						178,593						6.9
Other						1,922						78						—						—						78						2,000						3.9
Total						$	2,945,202					$	69,682					$	43,268					$	25,622					$	138,572					$	3,083,774					4.5		%

The office portfolio comprises 14% of total commercial real estate loans and 24% of total commercial real estate non-pass loans. The average loan commitment size for the office portfolio is $0.9 million and the average outstanding balance as of June 30, 2026 is $0.9 million. Within the office portfolio, exposures over $1.0 million have an average debt service coverage ratio of 1.51x, which exceeds our internal guidelines of 1.25x to 1.50x, depending on property class. Additionally, for loans with exposure over $1.0 million, the office portfolio has a weighted average loan to value of 45.0% compared to internal

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FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

guidelines of 60-75%, depending on property class. Our current measure is based off of the most recent appraisal on file, the majority of which are from origination.

As previously noted, portfolio segment limits are approved by our Board of Directors' Risk Committee. These segment limits incorporate loan commitments and are based off of total Tier 1 capital plus the allowable allowance for credit losses. In the second quarter of 2026, after considering the current environment and potential risks related to the office portfolio, the segment limit for the office portfolio was decreased from 50% to 45%, with the actual segment concentration at 28.9% as of June 30, 2026.

The following table summarizes commercial real estate loans by the location of the properties by which they are collateralized as of June 30, 2026. Some loans are collateralized by multiple properties spread over various states. In those instances, the loan is included below based on the location of the primary property collateralizing the loan.

						Balance						% of Total
						(dollars in thousands)
Pennsylvania						$	1,310,203					43		%
Ohio						1,294,572						43
Kentucky						126,431						4
New Jersey						43,435						1
Indiana						42,369						1
New York						39,360						1
Other						227,404						7
						$	3,083,774					100		%

When calculating the allowance for credit losses the commercial real estate portfolio is segmented into three portfolio segments: multifamily, non-owner occupied and owner occupied. For additional information related to these segments, including credit quality, see Note 8 "Loans and Leases and Allowance for Credit Losses" of the unaudited consolidated financial statements.

As indicated in the table below, commercial real estate and commercial, financial and agricultural and other loans represent a significant portion of the nonperforming loans as of June 30, 2026.

						For the Six Months Ended June 30, 2026																		As of June 30, 2026
						Net Charge- offs						% of Total Net Charge-offs						Net Charge- offs as a % of Average Loans (annualized)						Nonperforming Loans						% of Total Nonperforming Loans						Nonperforming Loans as a % of Total Loans
						(dollars in thousands)
Commercial, financial, agricultural and other						$	11,446					58.39		%				0.24		%				$	40,682					49.83		%				0.43		%
Real estate construction						326						1.66						0.01						—						—						—
Residential real estate						386						1.97						0.01						15,329						18.78						0.16
Commercial real estate						4,267						21.77						0.09						25,622						31.38						0.27
Loans to individuals						3,177						16.21						0.07						7						0.01						—
Total loans and leases, net of unearned income						$	19,602					100.00		%				0.42		%				$	81,640					100.00		%				0.86		%

Net charge-offs for the six months ended June 30, 2026 totaled $19.6 million, compared to $5.9 million for the six months ended June 30, 2025. Charge-offs during the six months ended June 30, 2026 were primarily in the commercial, financial, agricultural and other, commercial real estate and loans to individual categories. See discussions related to the provision for credit losses and loans for more information.

Capital Resources

At June 30, 2026, shareholders’ equity was $1.6 billion, an increase of $14.8 million from December 31, 2025. The increase was primarily the result $82.1 million in net income and a $3.7 million increase related to the reissuance of treasury stock, offset by $36.9 million of common stock repurchases, $28.1 million of dividends paid to shareholders and a $6.1 million

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decrease in the fair value of available for sale investments and interest rate swaps, which is reflected in the Other Comprehensive Income component of capital. Cash dividends declared per common share were $0.275 for the six months ended June 30, 2026.

First Commonwealth and First Commonwealth Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on First Commonwealth’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, First Commonwealth and First Commonwealth Bank must meet specific capital guidelines that involve quantitative measures of First Commonwealth’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. First Commonwealth’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weighting and other factors.

Effective January 1, 2015, the Company became subject to the new regulatory risk-based capital rules adopted by the federal banking agencies implementing Basel III. The most significant changes included higher minimum capital requirements, as the minimum Tier I capital ratio increased from 4.0% to 6.0% and a new common equity Tier I capital ratio was established with a minimum level of 4.5%. Additionally, the rules improved the quality of capital by providing stricter eligibility criteria for regulatory capital instruments and provide for a phase-in, beginning January 1, 2016, of a capital conservation buffer of 2.5% of risk-weighted assets. This buffer, which was fully phased-in as of January 1, 2019, provides a requirement to hold common equity Tier 1 capital above the minimum risk-based capital requirements, resulting in an effective common equity Tier I risk-weighted asset minimum ratio of 7.0% on a fully phased-in basis.

The Basel III Rules also permit banking organizations with less than $15.0 billion in assets to retain, through a one-time election, the existing treatment for accumulated other comprehensive income, which currently does not affect regulatory capital. The Company elected to retain this treatment, which reduces the volatility of regulatory capital levels.

In 2018, First Commonwealth Bank, the Company's banking subsidiary, issued $100 million in subordinated debt, of which $50 million remained outstanding at June 30, 2026, which under the regulatory rules qualifies as Tier II capital. As of June 30, 2026, this subordinated debt issuance increased the total risk-based capital ratio by 50 basis points.

As of June 30, 2026, First Commonwealth and First Commonwealth Bank met all capital adequacy requirements to which they are subject and were considered well-capitalized under the regulatory rules. To be considered well capitalized, the Company must maintain minimum Total risk-based capital, Tier I risk-based capital, Tier I leverage ratio and Common equity tier I risk-based capital as set forth in the table below:

			Actual																		Minimum Capital Required												Required to be Considered Well Capitalized
			Capital Amount						Ratio																		Capital Amount						Ratio						Capital Amount						Ratio
			(dollars in thousands)
Total Capital to Risk Weighted Assets
First Commonwealth Financial Corporation			$	1,491,087					15.10		%																$	1,036,920					10.50		%				$	987,543					10.00		%
First Commonwealth Bank			1,379,102						14.00																		1,034,528						10.50						985,265						10.00
Tier I Capital to Risk Weighted Assets
First Commonwealth Financial Corporation			$	1,318,043					13.35		%																$	839,411					8.50		%				$	790,034					8.00		%
First Commonwealth Bank			1,206,339						12.24																		837,475						8.50						788,212						8.00
Tier I Capital to Average Assets
First Commonwealth Financial Corporation			$	1,318,043					11.09		%																$	475,567					4.00		%				$	594,459					5.00		%
First Commonwealth Bank			1,206,339						10.17																		474,504						4.00						593,130						5.00
Common Equity Tier I to Risk Weighted Assets
First Commonwealth Financial Corporation			$	1,248,043					12.64		%																$	691,280					7.00		%				$	641,903					6.50		%
First Commonwealth Bank			1,206,339						12.24																		689,686						7.00						640,422						6.50

On July 28, 2026, First Commonwealth Financial Corporation declared a quarterly dividend of $0.14 per share payable on August 21, 2026 to shareholders of record as of August 7, 2026. The timing and amount of future dividends are at the discretion of First Commonwealth's Board of Directors based upon, among other factors, capital levels, asset quality, liquidity and current and projected earnings.

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ITEM 3. Quantitative and Qualitative Disclosures About Market Risk

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

New Accounting Pronouncements

In November 2024, Accounting Standards Update 2024-03 ("ASU 2024-03"), “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures" (Subtopic 220-40) was issued. ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. ASU 2024-03 will be effective, on a prospective basis, for annual periods beginning in 2027, and interim periods within fiscal years beginning in 2028, though early adoption and retrospective application is permitted. ASU 2024-03 is not expected to have a significant impact on our financial conditions or results of operations.

In September 2025, Accounting Standard Update 2025-06 ("ASU 2025-06"), “Intangibles - Goodwill and Other - Internal-Use Software" (Subtopic 350-40) was issued. ASU 2025-06 simplifies the accounting for internal-use software by removing project development stages and introducing a new capitalization threshold. Under the revised standard, software development costs are capitalized when management authorizes and commits funding for the project and it is probable the software will be completed and used as intended. ASU 2025-06 will be effective in 2028 and is not expected to have a significant impact on our financial conditions or results of operations.

In November 2025, Accounting Standard Update 2025‑08 ("ASU 2025-08"), “Financial Instruments - Credit Losses" (Topic 326) was issued. ASU 2025-08 expands the scope of acquired financial assets subject to the gross up approach formerly applicable only to purchased credit‑deteriorated ("PCD") assets, to include acquired non‑PCD loans that meet certain criteria, now referred to as “purchased seasoned loans” (PSLs). Under this model, an allowance for expected credit losses is recognized at acquisition, offsetting the loan’s amortized cost basis, thereby eliminating the day-one credit‑loss expense previously required for non‑PCD assets. PSLs are defined as non‑PCD loans acquired either (i) through a business combination, or (ii) purchased more than 90 days after origination when the acquirer was not involved in origination. ASU 2025-08 will be effective on a prospective basis for loans acquired on or after the adoption date, for interim and annual reporting periods beginning in 2027, though early adoption is permitted. The Company is evaluating the expected impact on accounting for acquired assets related to future transactions.

In November 2025, Accounting Standard Update 2025‑09 ("ASU 2025-09"), “Derivatives and Hedging" (Topic 815) was issued. This update allows designating a variable price component of a nonfinancial forecasted purchase or sale as the hedged risk, grouping individual forecasted transactions with similar (not identical) risk exposures, a new model for hedging forecasted interest on variable-rate debt, enabling changes in index or tenor without de-designation, subject to simplifying assumptions, and additional clarifications related to hedge accounting of nonfinancial components, net written options, and dual-hedge strategies. ASU 2025-09 will be effective beginning in 2027, though early adoption is permitted. The Company is in the process of assessing the impact of adoption on its consolidated financial statements.

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PART II – OTHER INFORMATION

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

Information appearing in Item 2 of this report under the caption “Market Risk” is incorporated by reference in response to this item.

ITEM 4. Controls and Procedures

We carried out an evaluation, under the supervision and with the participation of our management, including our Chief Executive Officer and our Chief Financial Officer, of the effectiveness of the design and operation of our disclosure controls and procedures as of the end of the period covered by this report pursuant to Rule 13a-15 under the Securities Exchange Act of 1-934 (the “Exchange Act”). Based upon that evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures are effective to provide reasonable assurance that the information required to be disclosed in the reports that we file or submit under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in applicable rules and forms of the Securities and Exchange Commission.

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PART II – OTHER INFORMATION

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

 

ITEM 1.     LEGAL PROCEEDINGS

The information required by this item is set forth in Part I, Item 1, Note 6, "Commitments and Contingent Liabilities," which is incorporated herein by reference in response to this item.

ITEM 1A.    RISK FACTORS

There have been no material changes to the risk factors previously disclosed under Part I, Item 1A of the Company's Annual Report on Form 10-K for the year ended December 31, 2025.

ITEM 2.    UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

    

From time to time, the Company repurchases shares of its common stock pursuant to repurchase programs authorized by the Board of Directors. Most recently, the Board authorized repurchase programs of $25.0 million in December 2025 and an additional $25.0 million in February 2026. The following table details the amount of shares repurchased under this program in the second quarter of 2026:

Month Ending:			Total Number of Shares Purchased						Average Price Paid per Share (or Unit)						Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs						Total Price of Shares Purchased (dollars in thousands)						Maximum Number of Shares that May Yet Be Purchased Under the Plans or Programs*
April 30, 2026			—						$	—					—						$	—					1,373,783
May 31, 2026			444,922						18.42						444,922						8,195						902,631
June 30, 2026			200,773						19.19						200,773						3,854						651,357
Total			645,695						$	18.66					645,695						$	12,049
* Remaining number of shares approved under the Plan is based on the market value of the Company's common stock of $18.41 at April 30, 2026, $18.94 at May 31, 2026 and $20.33 at June 30, 2026.

ITEM 3.    DEFAULTS UPON SENIOR SECURITIES

    None

ITEM 4.    MINE SAFETY DISCLOSURES

    Not applicable

ITEM 5.    OTHER INFORMATION

    

None of our directors or executive officers adopted or terminated a Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement during quarter ended June 30, 2026.

88

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Table of Contents

ITEM 6.     EXHIBITS

Exhibit Number

Description

Incorporated by Reference to

10.1

Change of Control Agreement dated April 1, 2026 between First Commonwealth Financial Corporation and Matthew T. Zuro

Filed herewith

10.2

Restricted Stock Agreement dated April 1, 2026 between First Commonwealth Financial Corporation and Matthew T. Zuro

Filed herewith

10.3

Change of Control Agreement dated April 27, 2026 between First Commonwealth Financial Corporation and Ryan L. Gorney

Filed herewith

10.4

Restricted Stock Agreement dated April 27, 2026 between First Commonwealth Financial Corporation and Ryan L. Gorney

Filed herewith

10.5

Retirement Agreement dated April 1, 2026 between First Commonwealth Financial Corporation and Jane Grebenc

Filed herewith

10.6

Retirement Agreement dated May 1, 2026 between First Commonwealth Financial Corporation and Norman J. Montgomery

Filed herewith

31.1

Chief Executive Officer Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Filed herewith

31.2

Chief Financial Officer Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Filed herewith

32.1

Chief Executive Officer Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Filed herewith

32.2

Chief Financial Officer Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Filed herewith

101

The following materials from First Commonwealth Financial Corporation’s Quarterly Report on Form 10-Q, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Income and Comprehensive Income, (iii) the Consolidated Statements of Changes in Stockholders’ Equity, (iv) the Consolidated Statements of Cash Flows, and (v) the Notes to Unaudited Consolidated Financial Statements. Note that XBRL tags are embedded within the document.

Filed herewith

89

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

FIRST COMMONWEALTH FINANCIAL CORPORATION

(Registrant)

 

DATED: August 10, 2026						/s/ T. Michael Price
						T. Michael Price President and Chief Executive Officer
DATED: August 10, 2026						/s/ James R. Reske
						James R. Reske Executive Vice President, Chief Financial Officer and Treasurer

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ATTACHMENTS / EXHIBITS

EX-10.1 CHANGE OF CONTROL

EX-10.2 RESTRICTED STOCK AGREEMENT

EX-10.3 CHANGE OF CONTROL AGREEMENT

EX-10.4 RESTRICTED STOCK AGREEMENT

EX-10.5 RETIREMENT AGREEMENT

EX-10.6 RETIREMENT AGREEMENT

EX-31.1 CEO CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT

EX-31.2 CFO CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT

EX-32.1 CEO CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT

EX-32.2 CFO CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT

XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT

XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT

XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT

XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT

XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT

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