First Commonwealth Financial is a community bank holding company headquartered in Indiana, Pennsylvania. Its primary subsidiary, First Commonwealth Bank, operates 126 branches across 30 counties in western and central Pennsylvania and Ohio. The core business is straightforward: FCB lends money to consumers and businesses, funded primarily by deposits gathered from the same communities. On the commercial side, FCB makes C&I loans, commercial real estate loans, and equipment finance loans through a division launched in 2022. On the consumer side, FCB offers residential mortgages, home equity products, indirect auto loans, and installment loans. Net interest income — the spread between loan yields and deposit costs — drives roughly 82% of revenue, with fee income (wealth management, SBA loan sales, insurance, and mortgage banking) making up the remainder. FCB organizes its commercial lending across six geographic regions, with Community Pennsylvania as the largest deposit-gathering region and Ohio markets (Columbus, Cincinnati, and Cleveland-Canton) as the primary driver of loan growth over the past decade. FCB grows through a combination of organic hiring of commercial banking teams and small bolt-on acquisitions of community banks in contiguous markets — recent examples include Centric Financial in 2023 and CenterBank in 2025. Management targets mid-single-digit annual loan growth and has a stated goal of growing fee income penetration, particularly in Ohio markets where wealth management and insurance revenue lags the legacy Pennsylvania franchise.