☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
First Commonwealth Bank

iAdvertiser Disclosure

First Commonwealth Bank Rates & Review September 2026

Q: How many branches does First Commonwealth Bank operate?

First Commonwealth Bank currently maintains approximately 129 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Commonwealth Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First Commonwealth Bank's 15-Months 15-Month CD or IRA Offer rates are at 4.00%, 9-Months 9-Month CD or IRA Offer rates are at 3.85%. MonitorBankRates evaluates the financial stability of First Commonwealth Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.72%. Rates last updated and verified on 09/18/2026.

First Commonwealth Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Commonwealth Bank? Share your experience about First Commonwealth Bank by leaving a review below, or read customer reviews before you decide to use First Commonwealth Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.72%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

First Commonwealth Bank

654 Philadelphia St
Indiana, PA 15701

https://www.fcbanking.com

First Commonwealth Bank CD Rates

Product	Rate	APY	Term
15 Month CD or IRA Offer	-	4.00%	15 months
Min Deposit $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.72%
9 Month CD or IRA Offer	-	3.85%	9 months
Min Deposit $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Commonwealth Bank’s Texas Ratio rose from 4.20% in Q3 2023 to 5.72% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$12.2B	5.72%	5.0	A+
March 31, 2026	$12.2B	6.36%	5.0	A
December 31, 2025	$12.3B	6.23%	5.0	A
September 30, 2025	$12.3B	6.08%	5.0	A
June 30, 2025	$12.2B	6.89%	5.0	A
March 31, 2025	$11.8B	4.39%	5.0	A+
December 31, 2024	$11.6B	4.70%	5.0	A+
September 30, 2024	$12.0B	5.59%	5.0	A+
June 30, 2024	$11.6B	4.49%	5.0	A+
March 31, 2024	$11.7B	3.43%	5.0	A+
December 31, 2023	$11.4B	3.84%	5.0	A+
September 30, 2023	$11.4B	4.20%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Commonwealth Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Commonwealth Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Commonwealth Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Commonwealth Bank

Bank Holding Company FIRST COMMONWEALTH FINL CORP

Address 654 Philadelphia St, Indiana, PA 15701 · Indiana

Website https://www.fcbanking.com

FDIC Certificate # 7468

Established 18800921

FDIC Insurance Date 19340101

Domestic Offices 129

Total Branches 129

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3976%

Return on Equity (ROE) 11.3200%

Non-Performing Loans (NPL) 0.70%

Total Assets $12,175,009,000

Total Deposits $10,334,093,000

Equity Capital $1,522,222,000

Net Income $85,532,000

Headquarters Indiana

Total Branches and Offices 129

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Commonwealth Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/first-commonwealth-bank-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First Commonwealth Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Commonwealth Bank

Frequently Asked Questions About First Commonwealth Bank

How many branches does First Commonwealth Bank operate?

First Commonwealth Bank currently maintains approximately 129 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Commonwealth Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Commonwealth Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Commonwealth Bank offer online and mobile banking?

Most modern institutions like First Commonwealth Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fcbanking.com.