# EDGAR Filing Document

**Accession Number:** 0000712537
**File Stem:** 0000712537-26-000018
**Filing Date:** 2026-4
**Character Count:** 58821
**Document Hash:** 37e513d105108c542dbab56995bd4b76
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000712537-26-000018.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0000712537-26-000018

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260428

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIRST COMMONWEALTH FINANCIAL CORP /PA/
- **CENTRAL INDEX KEY:** 0000712537
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 251428528
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-11138
- **FILM NUMBER:** 26903319

**BUSINESS ADDRESS:**
- **STREET 1:** 601 PHILADELPHIA STREET
- **CITY:** INDIANA
- **STATE:** PA
- **ZIP:** 15701
- **BUSINESS PHONE:** 7243497220

**MAIL ADDRESS:**
- **STREET 1:** 601 PHILADELPHIA STREET
- **CITY:** INDIANA
- **STATE:** PA
- **ZIP:** 15701

?xml version='1.0' encoding='ASCII'? fcf-20260428

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**Pursuant to Section 13 OR 15(d) of**

**the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** April 28, 2026

**First Commonwealth Financial Corporation**

**(Exact name of registrant as specified in its charter)**

---

| | | |
|:---|:---|:---|
| **Pennsylvania** | **001-11138** | **25-1428528** |
| **(State or other jurisdiction<br>of incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| **601 Philadelphia Street** | **601 Philadelphia Street** | |
| **Indiana,** | **PA** | **15701** |
| **(Address of principal executive offices)** | **(Address of principal executive offices)** | **(Zip Code)** |

---

**Registrant's telephone number, including area code: (724) 349-7220** 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ &nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ &nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ &nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ &nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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 check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth 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. ☐

------

---

| | |
|:---|:---|
| **Item 2.02** | **Results of Operations and Financial Condition** |

---

On April 28, 2026, First Commonwealth Financial Corporation (the "Company") issued a press release announcing financial results for the three month period ended March 31, 2026. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

---

| | |
|:---|:---|
| **Item 7.01** | **Regulation FD Disclosure** |

---

On April 28, 2026, the Company announced a cash dividend of $0.14 per share of the Company's common stock. The dividend declaration is included in the press release announcing financial results for the three month period ended March 31, 2026. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

---

| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits** |

---

**<u>Exhibits</u>**

---

| | |
|:---|:---|
| <u>[99.1](fcf-ex991_20260428x8k.htm)</u> | <u>[Press Release announcing First Quarter 2026 Financial Results, Increas](fcf-ex991_20260428x8k.htm)[es](fcf-ex991_20260428x8k.htm)[Quarterly Dividend](fcf-ex991_20260428x8k.htm)</u> |
| 104 | Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document). |

---

------

**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 hereunto duly authorized.

Dated: April 28, 2026

---

| | |
|:---|:---|
| FIRST COMMONWEALTH FINANCIAL CORPORATION | FIRST COMMONWEALTH FINANCIAL CORPORATION |
| By: | /s/ James R. Reske |
| Name: | James R. Reske |
| Title: | Executive Vice President, Chief Financial Officer and Treasurer |

---

## Exhibit 99.1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Exhibit 99.1**

![fcfimagea01.jpg](fcfimagea01.jpg)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**FOR IMMEDIATE RELEASE**

**First Commonwealth Announces First Quarter 2026 Earnings; Increases Quarterly Dividend**

Indiana, PA, April 28, 2026 - First Commonwealth Financial Corporation (NYSE: FCF) today announced financial results for the first quarter of 2026.

**Financial Summary**

---

| | | | |
|:---|:---|:---|:---|
| *(dollars in thousands,* | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| *except per share data)* | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **Reported Results** |  |  |  |
| Net income | $37548 | $44876 | $32696 |
| **Diluted earnings per share** | $**0.37** | $**0.43** | $**0.32** |
| Return on average assets | 1.25% | 1.46% | 1.14% |
| Return on average equity | 9.75% | 11.49% | 9.28% |
| **Operating Results (non-GAAP)**<sup>(1)</sup> |  |  |  |
| Core net income | $37459 | $44658 | $32779 |
| **Core diluted earnings per share** | $**0.37** | $**0.43** | $**0.32** |
| Core pre-tax pre-provision net revenue | $57854 | $63166 | $46879 |
| Provision expense | $10733 | $7005 | $5736 |
| Net charge-offs | $8161 | $11272 | $3098 |
| Reserve build/(release)<sup>(2)</sup> | $3415 | $(3837) | $1025 |
| Core return on average assets (ROAA) | 1.24% | 1.45% | 1.14% |
| Core pre-tax pre-provision ROAA | 1.92% | 2.05% | 1.63% |
| Return on average tangible common equity | 13.47% | 15.90% | 13.02% |
| Core return on average tangible common equity | 13.44% | 15.83% | 13.05% |
| Core efficiency ratio | 55.43% | 52.84% | 59.08% |
| Net interest margin (FTE) | 3.92% | 3.98% | 3.62% |

---

<sup>(1)</sup> *Core operating results are a non-GAAP measure used by management to measure performance in operating the business that management believes enhances investors' ability to better understand the underlying business performance and trends related to core business activities. A full reconciliation of non-GAAP financial measures may be found at the end of the financial statements which accompany this release.*

<sup>(2)</sup> *Reserve build/(release) represents the net change in the Company's allowance for credit losses (ACL) from the prior period.*&nbsp;&nbsp;&nbsp;&nbsp;

**First Quarter 2026 Highlights**

*Financial results*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GAAP Net income of $37.5 million and diluted earnings per share totaled $0.37, a decrease of $7.3 million, or $0.06 per share from the prior quarter and an increase of $4.9 million, or $0.05 per share from first quarter of 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Core pre-tax pre-provision net revenue (PPNR)<sup>(1)</sup> totaled $57.9 million, a decrease of $5.3 million from the prior quarter and an increase of $11.0 million from the first quarter of 2025. The decrease from the prior quarter was primarily as a result of a $4.2 million decrease in net interest income (FTE)

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• End of period loans (excluding loans held for sale) decreased $74.2 million, or 3.2% annualized from the previous quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Loans held for sale decreased $239.8 million from the previous quarter due primarily to the sale of a $225.4 million Commercial portfolio during the quarter that had been moved to held for sale at year end as previously disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Average deposits increased $67.1 million, or 2.7% annualized from the previous quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ End of period deposits increased $158.9 million, or 6.3% annualized from the previous quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The loan-to-deposit ratio decreased 447 basis points to 90.9% in the first quarter of 2026

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net interest income (FTE) of $109.3 million decreased $4.2 million from the previous quarter and increased $13.5 million from the first quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Noninterest income (excluding security gains of $0.2 million in 1Q26 and $0.4 million in 4Q25) of $24.4 million increased $0.1 million from the previous quarter and increased $1.9 million from the first quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Noninterest expense (excluding merger-related expense of $0.1 million in 1Q26 and $0.2 million in 4Q25 and $0.1 million in 1Q25) of $75.5 million increased $1.2 million from the previous quarter and increased $4.3 million from the first quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share increased $0.12, or 4.3% annualized from the previous quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ AOCI as a percentage of tangible common equity increased 30 basis points to 5.90% in the first quarter of 2026

*Profitability*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*•* The net interest margin of 3.92% decreased 6 basis points compared to the prior quarter and increased 30 basis points from the first quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The core efficiency ratio<sup>(1)</sup> increased 259 basis points to 55.43% compared to the prior quarter and decreased 365 basis points from the first quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Core ROAA decreased 21 basis points to 1.24% compared to the prior quarter and increased 10 basis points from the first quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Core pre-tax pre-provision ROAA<sup>(1)</sup> decreased 13 basis points to 1.92% compared to the prior quarter and increased 29 basis points from the first quarter of 2025

*Strong capital positions*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*•* On April 28, 2026, the Board of Directors authorized a 3.7% increase in the quarterly cash dividend to shareholders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Bank-level Total Capital Ratio was 13.8% at March 31, 2026, which represents $376.3 million in excess capital above the regulatory "well capitalized" requirement of 10.0%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A total of 1,284,457 shares at a weighted average price of $17.67 were repurchased during the first quarter of 2026 under the Company's previously authorized share repurchase programs. The remaining repurchase capacity under the current program was $18.4 million as of March 31, 2026

*Asset quality* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*•* The total provision for credit losses was $10.7 million, an increase of $3.7 million from the previous quarter primarily due to a $4.2 million increase in reserves for individually analyzed commercial credits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserve build/(release)<sup>(2)</sup> was $3.4 million, which resulted in reserves to total loans of 1.37%, which is an increase of 5 basis points from the previous quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nonperforming loans of $92.3 million increased $0.6 million from the previous quarter

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subsequent to March 31, 2026, two individually analyzed nonaccrual commercial credits with an outstanding balance of $5.6 million with associated reserves of $3.3 million were sold or paid off

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs on loans totaled $8.2 million, a decrease of $3.1 million from the prior quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Net charge-offs as a percentage of average loans outstanding (annualized) was 0.35% in the first quarter of 2025, a decrease of 11 basis points from the previous quarter

"Despite some credit headwinds, we were pleased to see our capital and liquidity strengthen during the quarter, supported by a strong net interest margin, and stable seasonally-adjusted fee income," said T. Michael Price, President and Chief Executive Officer. "Organic loan growth was muted, reflecting elevated payoffs, but overall origination and credit trends remain well-managed. Looking ahead, we are confident in our positioning across our core businesses, and expect continued momentum as we progress through the year."

**Earnings** 

Net income for the first quarter of 2026 was $37.5 million, or $0.37 per share, compared to $44.9 million, or $0.43 per share in the fourth quarter of 2025 and $32.7 million, or $0.32 per share for the first quarter of 2025.

**Net Interest Income and Net Interest Margin** 

Net interest income (FTE) of $109.3 million decreased $4.2 million from the previous quarter and increased $13.5 million from the prior year quarter. The decrease from the prior quarter was primarily due to a $2.6 million decrease due to less days in the quarter, a $170.1 million decrease in average loans and compression of the net interest margin (NIM).

The NIM for the first quarter of 2026 was 3.92% as compared to 3.98% in the prior quarter and 3.62% in the year ago quarter. The decrease from the prior quarter was primarily due to a nine basis point decrease in the yield on earning assets that was only partially offset by a 5 basis point decrease in the cost of funds.

Total average deposits grew $67.1 million in the first quarter of 2026 as compared to the previous quarter. Average interest-bearing demand and savings deposits grew $91.2 million and average total time deposits increased $13.6 million from the prior quarter. The increase in interest bearing deposits was partially offset by a $37.7 million decrease in average noninterest-bearing deposits.

End of period deposits increased $158.9 million, or 6.3% annualized from the previous quarter, including a $161.0 million increase in savings deposits and a $40.0 million increase in interest-bearing demand deposits, which together offset a $39.5 million decrease in time deposits and a $2.6 million decrease in noninterest-bearing demand deposits.

**Asset Quality** 

Provision for credit losses totaled $10.7 million in the first quarter of 2026 as compared to $7.0 million in the previous quarter. The increase from the previous quarter was primarily driven by a $4.2 million increase in reserves for individually analyzed commercial credits due to $9.6 million of reserves for three commercial credits that were moved to nonaccrual during the quarter.

The allowance for credit losses (ACL) as a percentage of end-of-period loans was 1.37% in the first quarter, which was an increase of 5 basis points from the previous quarter.

At March 31, 2026, nonperforming loans totaled $92.3 million as compared to $91.8 million in the prior quarter and $59.4 million in the first quarter of 2025.

Subsequent to March 31, 2026, two individually analyzed nonaccrual commercial credits with an outstanding balance of $5.6 million with associated reserves of $3.3 million were sold or paid off. This resulted in an additional chargeoff of $0.1 million in April 2026.

Nonperforming loans represented 0.98% of total loans as of March 31, 2026, as compared to 0.94% and 0.65% for the periods ended December 31, 2025, and March 31, 2025, respectively.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

At March 31, 2026, criticized loans totaled $284.6 million, an increase of $17.5 million from the previous quarter.

During the first quarter of 2026, net charge-offs were $8.2 million, compared to $11.3 million in the prior quarter and $3.1 million in the first quarter of 2025.

Net charge-offs were 0.35%, 0.46% and 0.14% of average loans (annualized) for the periods ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively.

**Noninterest Income and Noninterest Expense** 

Noninterest income (excluding security gains of $0.2 million in 1Q26 and $0.4 million in 4Q25) of $24.4 million increased $0.1 million from the previous quarter and increased $1.9 million from the first quarter of 2025

The $0.1 million increase from the previous quarter was primarily driven by a $0.4 million increase in insurance and retail brokerage revenue and a $0.3 million increase in gain on sale of mortgage loans, which was partially offset by $0.3 million decrease in card-related interchange income and a $0.3 million decrease in service charges on deposit accounts due to seasonally lower transaction volume and the number of days in the quarter.

Noninterest expense (excluding merger-related expense of $0.1 million in 1Q26 and $0.2 million in 4Q25 and $0.1 million in 1Q25) of $75.5 million increased $1.2 million from the previous quarter and increased $4.3 million from the first quarter of 2025. The $1.2 million increase from the previous quarter was primarily the result of a $0.8 million increase in Pennsylvania shares tax expense due to a tax reimbursement in the previous quarter, a $0.6 million increase in salaries and benefits, a $0.6 million increase in occupancy expense due to a $0.6 million increase in snow removal expense and a $0.3 million increase in the loss on sale or writedown of assets due to a $0.5 million prepayment penalty on the early extinguishment of FHLB borrowings. Partially offsetting these increases was a $0.4 million decrease in other professional fees and a $0.3 million decrease in other operating expenses due to a $0.3 million decrease in travel expenses.

The core efficiency ratio was 55.43% during the first quarter of 2026 as compared to 52.84% in the previous quarter and 59.08% in the first quarter of 2025.

Full time equivalent staff was 1,592, 1,567 and 1,538 at March 31, 2026, December 31, 2025 and March 31, 2025, respectively.

**Dividends and Capital** 

First Commonwealth Financial Corporation declared a common stock quarterly dividend of $0.14 per share, which represents a 3.7% increase from the previous quarter. The cash dividend is payable on May 22, 2026 to shareholders of record as of May 8, 2026. This dividend represents a 3.0% projected annual yield utilizing the April 27, 2026 closing market price of $18.64.

First Commonwealth's capital ratios for Total, Tier I, Leverage and Common Equity Tier I at March 31, 2026 were 14.9%, 13.2%, 10.9% and 12.5% respectively. First Commonwealth's current capital levels exceed the fully phased-in Basel III capital requirements issued by U.S. bank regulators.

**Conference Call** 

First Commonwealth will host a quarterly conference call to discuss its financial results for the first quarter of 2026 on Wednesday, April 29, 2026 at 2:00 PM (ET). The call can be accessed by dialing (toll free) 1-888-330-3181 conference ID # 4651379 or through the company's web page, http://www.fcbanking.com/InvestorRelations. A replay of the call will be available approximately one hour following the conclusion of the conference by dialing 1-800-770-2030 and entering the conference ID # 4651379. A link to the webcast replay will also be accessible on the company's web.

**About First Commonwealth Financial Corporation** 

First Commonwealth Financial Corporation (NYSE: FCF), headquartered in Indiana, Pennsylvania, is a financial services company with 126 community banking offices in 30 counties throughout western and central Pennsylvania and throughout Ohio, as well as commercial lending operations in Pittsburgh and Harrisburg, Pennsylvania, and Canton, Cleveland, Columbus and Cincinnati, Ohio. The company also operates mortgage offices in Wexford, Pennsylvania, as well as Hudson and Lewis Center, Ohio. First Commonwealth provides a full range of commercial banking, consumer banking, mortgage, equipment finance, wealth management and insurance products and services through its subsidiaries First Commonwealth Bank and First Commonwealth Insurance Agency. For more information about First Commonwealth or to open an account today, please visit www.fcbanking.com.

**Forward-Looking Statements** 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Certain statements contained in this release that are not historical facts may constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, 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" as well. These statements, which are based on certain assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of words such as "may," "will," "should," "could," "would," "plan," "believe," "expect," "anticipate," "intend," "estimate" or words of similar meaning. These forward-looking statements are subject to significant risks, assumptions and uncertainties, and could be affected by many factors, including, but not limited to: (1) volatility and disruption in national and international financial markets; (2) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board; (3) inflation, interest rate, commodity price, securities market and monetary fluctuations; (4) the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) with which First Commonwealth or its customers must comply; (5) the soundness of other financial institutions; (6) political instability; (7) impairment of First Commonwealth's goodwill or other intangible assets; (8) acts of God or of war or terrorism; (9) the timely development and acceptance of new products and services and perceived overall value of these products and services by users; (10) changes in consumer spending, borrowings and savings habits; (11) changes in the financial performance and/or condition of First Commonwealth's borrowers; (12) technological changes; (13) acquisitions and integration of acquired businesses; (14) First Commonwealth's ability to attract and retain qualified employees; (15) changes in the competitive environment in First Commonwealth's markets and among banking organizations and other financial service providers; (16) the ability to increase market share and control expenses; (17) 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; (18) the reliability of First Commonwealth's vendors, internal control systems or information systems; (19) 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; and (20) other risks and uncertainties described in this report and in the other reports that we file with the Securities and Exchange Commission, including our most recent Annual Report on Form 10-K.

In light of these risks, uncertainties and assumptions, you should not place undue reliance on any forward-looking statements in this release. We undertake no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events or otherwise.

**Media Relations:**

Ron Wahl

Communications and Media Relations

Phone: 724-463-6806

E-mail: RWahl@fcbanking.com

**Investor Relations:**

Ryan M. Thomas

Vice President / Finance and Investor Relations

Phone: 724-463-1690

E-mail: RThomas1@fcbanking.com

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| | | | |
|:---|:---|:---|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | |
| **CONSOLIDATED FINANCIAL DATA** | | | |
| **Unaudited** | | | |
| (dollars in thousands, except per share data) |  |  |  |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
|  | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **SUMMARY RESULTS OF OPERATIONS** |  |  |  |
| Net interest income | $108974 | $113201 | $95522 |
| Provision for credit losses | 10733 | 7005 | 5736 |
| Noninterest income | 24587 | 24716 | 22502 |
| Noninterest expense | 75595 | 74476 | 71250 |
| Net income | 37548 | 44876 | 32696 |
| Core net income <sup>(5)</sup> | 37459 | 44658 | 32779 |
| **Earnings per common share (diluted)** | $**0.37** | $**0.43** | $**0.32** |
| **Core earnings per common share (diluted)** <sup>(6)</sup> | $**0.37** | $**0.43** | $**0.32** |
| **KEY FINANCIAL RATIOS** |  |  |  |
| Return on average assets | 1.25% | 1.46% | 1.14% |
| Core return on average assets <sup>(7)</sup> | 1.24% | 1.45% | 1.14% |
| Return on average assets, pre-provision, pre-tax | 1.92% | 2.06% | 1.62% |
| Core return on average assets, pre-provision, pre-tax | 1.92% | 2.05% | 1.63% |
| Return on average shareholders' equity | 9.75% | 11.49% | 9.28% |
| Return on average tangible common equity <sup>(8)</sup> | 13.47% | 15.90% | 13.02% |
| Core return on average tangible common equity <sup>(9)</sup> | 13.44% | 15.83% | 13.05% |
| Core efficiency ratio <sup>(2)(10)</sup> | 55.43% | 52.84% | 59.08% |
| Net interest margin (FTE) <sup>(1)</sup> | 3.92% | 3.98% | 3.62% |
| Book value per common share | $15.27 | $15.11 | $14.20 |
| Tangible book value per common share <sup>(11)</sup> | 11.34 | 11.22 | 10.44 |
| Market value per common share | 17.58 | 16.86 | 15.54 |
| Cash dividends declared per common share | 0.135 | 0.135 | 0.130 |
| **ASSET QUALITY RATIOS** |  |  |  |
| Nonperforming loans and leases as a percent of end-of-period loans and leases<sup>(3)</sup> | 0.98% | 0.94% | 0.65% |
| Nonperforming assets as a percent of total assets <sup>(3)</sup> | 0.77% | 0.77% | 0.52% |
| Net charge-offs as a percent of average loans and leases (annualized) <sup>(4)</sup> | 0.35% | 0.46% | 0.14% |
| Allowance for credit losses as a percent of nonperforming loans and leases <sup>(4)</sup> | 141.70% | 137.07% | 201.89% |
| Allowance for credit losses as a percent of end-of-period loans and leases <sup>(4)</sup> | 1.37% | 1.32% | 1.32% |
| **CAPITAL RATIOS** |  |  |  |
| Shareholders' equity as a percent of total assets | 12.7% | 12.6% | 12.3% |
| Tangible common equity as a percent of tangible assets <sup>(12)</sup> | 9.7% | 9.7% | 9.3% |
| Leverage Ratio | 10.9% | 10.9% | 10.7% |
| Risk Based Capital - Tier I | 13.2% | 12.7% | 12.9% |
| Risk Based Capital - Total | 14.9% | 14.5% | 14.7% |
| Common Equity - Tier I | 12.5% | 12.1% | 12.2% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | |
|:---|:---|:---|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | |
| **CONSOLIDATED FINANCIAL DATA** | | | |
| **Unaudited** | | | |
| (dollars in thousands, except per share data) |  |  |  |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
|  | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **INCOME STATEMENT** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest income | $157218 | $163925 | $147128 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest expense | 48244 | 50724 | 51606 |
| **Net Interest Income** | **108974** | **113201** | **95522** |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | 10733 | 7005 | 5736 |
| **Net Interest Income after Provision for Credit Losses** | **98241** | **106196** | **89786** |
| &nbsp;&nbsp;&nbsp;Net securities gains (losses) | 229 | 425 | (5142) |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of VISA |  |  | 5146 |
| &nbsp;&nbsp;&nbsp;&nbsp;Trust income | 3408 | 3379 | 3022 |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposit accounts | 5530 | 5828 | 5438 |
| &nbsp;&nbsp;&nbsp;&nbsp;Insurance and retail brokerage commissions | 3267 | 2886 | 3170 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income from bank owned life insurance | 1796 | 1725 | 1502 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of mortgage loans | 2215 | 1941 | 1387 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of other loans and assets | 2182 | 2198 | 1388 |
| &nbsp;&nbsp;&nbsp;&nbsp;Card-related interchange income | 3661 | 3974 | 3654 |
| &nbsp;&nbsp;&nbsp;Derivative mark-to-market | (6) | 25 | (153) |
| &nbsp;&nbsp;&nbsp;Swap fee income | 122 | 26 | 835 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | 2183 | 2309 | 2255 |
| **Total Noninterest Income** | **24587** | **24716** | **22502** |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits | 42874 | 42265 | 40415 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net occupancy | 5565 | 4981 | 5729 |
| &nbsp;&nbsp;&nbsp;&nbsp;Furniture and equipment | 4823 | 4994 | 4193 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data processing | 4183 | 4197 | 3817 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pennsylvania shares tax | 1330 | 483 | 1337 |
| &nbsp;&nbsp;&nbsp;&nbsp;Advertising and promotion | 1671 | 1687 | 1372 |
| &nbsp;&nbsp;&nbsp;&nbsp;Intangible amortization | 1364 | 1494 | 1131 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other professional fees and services | 1106 | 1526 | 1620 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance | 1589 | 1535 | 1379 |
| &nbsp;&nbsp;&nbsp;&nbsp;Litigation and operational losses | 857 | 1080 | 793 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loss on sale or write-down of assets | 567 | 281 | 215 |
| &nbsp;&nbsp;&nbsp;&nbsp;Merger and acquisition | 117 | 150 | 109 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expenses | 9549 | 9803 | 9140 |
| **Total Noninterest Expense** | **75595** | **74476** | **71250** |
| **Income before Income Taxes** | **47233** | **56436** | **41038** |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax provision | 9685 | 11560 | 8342 |
| **Net Income** | $**37548** | $**44876** | $**32696** |
| Shares Outstanding at End of Period | 101679621 | 102840771 | 101927219 |
| Average Shares Outstanding Assuming Dilution | 102394488 | 103643551 | 101859825 |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | |
|:---|:---|:---|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | | |
| **CONSOLIDATED FINANCIAL DATA** | | | |
| **Unaudited** | | | |
| (dollars in thousands) |  |  |  |
|  | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **BALANCE SHEET (Period End)** |  |  |  |
| **Assets** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash and due from banks | $118134 | $103280 | $118792 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing bank deposits | 224806 | 77082 | 22566 |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities available for sale, at fair value | 1071345 | 1052489 | 1186438 |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities held to maturity, at amortized cost | 577286 | 519422 | 519029 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans held for sale | 31638 | 271452 | 41587 |
| &nbsp;&nbsp;&nbsp;&nbsp; Loans and leases | 9433825 | 9508039 | 9093140 |
| &nbsp;&nbsp;&nbsp;&nbsp; Allowance for credit losses | (129183) | (125768) | (119931) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net loans and leases | 9304642 | 9382271 | 8973209 |
| &nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangibles | 399233 | 400229 | 382514 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other assets | 535488 | 536811 | 542263 |
| **Total Assets** | $**12262572** | $**12343036** | $**11786398** |
| **Liabilities and Shareholders' Equity** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing demand deposits | $2370132 | $2372771 | $2273858 |
| &nbsp;&nbsp;&nbsp;&nbsp; Interest-bearing demand deposits <sup>(a)</sup> | 1835503 | 1795513 | 1835568 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings deposits <sup>(a)</sup> | 4402789 | 4241762 | 4029705 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time deposits | 1801469 | 1840923 | 1722526 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | 8039761 | 7878198 | 7587799 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 10409893 | 10250969 | 9861657 |
| &nbsp;&nbsp;&nbsp;&nbsp; Short-term borrowings | 22858 | 147966 | 77515 |
| &nbsp;&nbsp;&nbsp;&nbsp; Long-term borrowings | 132069 | 261742 | 262679 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total borrowings | 154927 | 409708 | 340194 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other liabilities | 145055 | 127983 | 137496 |
| &nbsp;&nbsp;&nbsp;&nbsp;Shareholders' equity | 1552697 | 1554376 | 1447051 |
| **Total Liabilities and Shareholders' Equity** | $**12262572** | $**12343036** | $**11786398** |

---

<sup>(a)</sup> Deposits on the above balance sheet for March 31, 2025 reflect a reclassification to interest-bearing deposits from savings deposits in order to remove the impact of an internal sweep program related to regulatory reserve requirements. The internal sweep program was terminated in the second quarter of 2025, therefore prior periods are now shown without the reclassification.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** |
| **CONSOLIDATED FINANCIAL DATA** |
| **Unaudited** |
| (dollars in thousands) |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,**<br>**2026** | Yield/<br>Rate | **December 31,**<br>**2025** | Yield/<br>Rate | **March 31,**<br>**2025** | Yield/<br>Rate |
| **NET INTEREST MARGIN** | **NET INTEREST MARGIN** | **NET INTEREST MARGIN** |  |  |  |  |
| **Assets** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Loans and leases (FTE)<sup>(1)(3)</sup> | $9566302 | 6.03% | $9736392 | 6.12% | $9068872 | 5.92% |
| &nbsp;&nbsp;&nbsp;Interest bearing bank deposits | 207792 | 3.84% | 48542 | 4.48% | 76836 | 4.72% |
| &nbsp;&nbsp;&nbsp;Securities (FTE)<sup>(1)</sup> | 1529772 | 3.55% | 1525296 | 3.52% | 1600047 | 3.58% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Interest-Earning Assets (FTE)** <sup>(1)</sup> | **11303866** | **5.65%** | **11310230** | **5.76%** | **10745755** | **5.57%** |
| &nbsp;&nbsp;&nbsp;Noninterest-earning assets | 920940 |  | 919649 |  | 934933 |  |
| **Total Assets** | $**12224806** |  | $**12229879** |  | $**11680688** |  |
| **Liabilities and Shareholders' Equity** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interest-bearing demand and savings deposits | $6145197 | 1.95% | $6054039 | 2.00% | $5769898 | 2.13% |
| &nbsp;&nbsp;&nbsp;Time deposits | 1820411 | 3.55% | 1806856 | 3.65% | 1763492 | 4.07% |
| &nbsp;&nbsp;&nbsp;Short-term borrowings | 31766 | 2.16% | 55098 | 2.64% | 50725 | 2.88% |
| &nbsp;&nbsp;&nbsp;Long-term borrowings | 208363 | 5.11% | 261872 | 4.92% | 262809 | 5.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Interest-Bearing Liabilities** | **8205737** | **2.38%** | **8177865** | **2.46%** | **7846924** | **2.67%** |
| &nbsp;&nbsp;&nbsp;Noninterest-bearing deposits | 2339160 |  | 2376821 |  | 2252794 |  |
| &nbsp;&nbsp;&nbsp;Other liabilities | 117667 |  | 125496 |  | 151957 |  |
| &nbsp;&nbsp;&nbsp;Shareholders' equity | 1562242 |  | 1549697 |  | 1429013 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total Noninterest-Bearing Funding Sources** | **4019069** |  | **4052014** |  | **3833764** |  |
| **Total Liabilities and Shareholders' Equity** | $**12224806** |  | $**12229879** |  | $**11680688** |  |
| **Net Interest Margin (FTE) (annualized)**<sup>(1)</sup> |  | **3.92%** |  | **3.98%** |  | **3.62%** |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | |
|:---|:---|:---|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | **FIRST COMMONWEALTH FINANCIAL CORPORATION** | |
| **CONSOLIDATED FINANCIAL DATA** | | | |
| **Unaudited** | | | |
| (dollars in thousands) |  |  |  |
|  | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **Loan and Lease Portfolio Detail** |  |  |  |
| &nbsp;&nbsp;&nbsp;**Commercial Loan and Lease Portfolio:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial, financial, agricultural and other | $1315171 | $1351724 | $1276420 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | 3148767 | 3182109 | 3158440 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment finance loans and leases | 746723 | 693265 | 485782 |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate construction | 404394 | 415536 | 478833 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Commercial** | **5615055** | **5642634** | **5399475** |
| &nbsp;&nbsp;&nbsp;**Consumer Loan Portfolio:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Closed-end mortgages | 1814512 | 1830470 | 1826760 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity lines of credit | 537089 | 529815 | 488411 |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate construction | 31843 | 47250 | 9869 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Real Estate - Consumer** | **2383444** | **2407535** | **2325040** |
| &nbsp;&nbsp;&nbsp;&nbsp;Auto & RV loans | 1367360 | 1387195 | 1296567 |
| &nbsp;&nbsp;&nbsp;&nbsp;Direct installment | 22451 | 23057 | 24962 |
| &nbsp;&nbsp;&nbsp;&nbsp;Personal lines of credit | 43751 | 45785 | 45079 |
| &nbsp;&nbsp;&nbsp;&nbsp;Student loans | 1764 | 1833 | 2017 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Other Consumer** | **1435326** | **1457870** | **1368625** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Consumer Portfolio** | **3818770** | **3865405** | **3693665** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Portfolio Loans and Leases** | **9433825** | **9508039** | **9093140** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans held for sale - individual | 31638 | 46071 | 41587 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans held for sale - portfolio |  | 225381 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Loans and Leases** | $**9465463** | $**9779491** | $**9134727** |
|  | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **ASSET QUALITY DETAIL** |  |  |  |
| **Nonperforming Loans and Leases:** |  |  |  |
| Loans and leases on nonaccrual basis | $50260 | $51151 | $37520 |
| Loans and leases on a nonaccrual basis - with government guarantees | 27028 | 30325 | 13016 |
| Loans held for sale on a nonaccrual basis | 1149 |  |  |
| Loans and leases on a nonaccrual basis - acquired | 12844 | 9393 | 8211 |
| Loans and leases on a nonaccrual basis - acquired with government guarantees | 1032 | 887 | 658 |
| **&nbsp;&nbsp;&nbsp;&nbsp; Total Nonperforming Loans and Leases** | $**92313** | $**91756** | $**59405** |
| Other real estate owned ("OREO") | 221 | 990 | 1270 |
| Repossessions ("Repos") | 1328 | 1744 | 621 |
| **&nbsp;&nbsp;&nbsp;&nbsp; Total Nonperforming Assets** | $**93862** | $**94490** | $**61296** |
| Loans past due in excess of 90 days and still accruing | 2927 | 1288 | 1156 |
| Classified loans and leases | 136897 | 139378 | 88929 |
| Criticized loans and leases | 284628 | 267164 | 190510 |
| Nonperforming assets as a percentage of total loans and leases, plus OREO and Repos <sup>(4)</sup> | 0.99% | 0.99% | 0.67% |
| Allowance for credit losses | $129183 | $125768 | $119931 |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** |
| **CONSOLIDATED FINANCIAL DATA** |
| **Unaudited** |
| (dollars in thousands) |

---

---

| | | | |
|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,**<br>**2026** | **December 31,**<br>**2025** | **March 31,**<br>**2025** |
| **Net Charge-offs (Recoveries):** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Commercial, financial, agricultural and other | $3608 | $7152 | $329 |
| &nbsp;&nbsp;&nbsp;&nbsp; Real estate construction | 326 | 465 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Commercial real estate | 2268 | 2039 | 1308 |
| &nbsp;&nbsp;&nbsp;&nbsp; Residential real estate | 119 | 362 | (29) |
| &nbsp;&nbsp;&nbsp;&nbsp; Loans to individuals | 1840 | 1254 | 1490 |
| **Net Charge-offs** | $**8161** | $**11272** | $**3098** |
| Net charge-offs as a percentage of average loans and leases outstanding (annualized) <sup>(4)</sup> | 0.35% | 0.46% | 0.14% |
| Provision for credit losses as a percentage of net charge-offs | 131.52% | 62.15% | 185.15% |
| Provision for credit losses | $10733 | $7005 | $5736 |

---

---

| | | | |
|:---|:---|:---|:---|
| **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** |
| &nbsp;&nbsp;&nbsp;*Note: Management believes that it is standard practice in the banking industry to present these non-GAAP measures. These measures provide useful information to management and investors by allowing them to make peer comparisons.* | &nbsp;&nbsp;&nbsp;*Note: Management believes that it is standard practice in the banking industry to present these non-GAAP measures. These measures provide useful information to management and investors by allowing them to make peer comparisons.* | &nbsp;&nbsp;&nbsp;*Note: Management believes that it is standard practice in the banking industry to present these non-GAAP measures. These measures provide useful information to management and investors by allowing them to make peer comparisons.* | &nbsp;&nbsp;&nbsp;*Note: Management believes that it is standard practice in the banking industry to present these non-GAAP measures. These measures provide useful information to management and investors by allowing them to make peer comparisons.* |
| <sup>(1)</sup> Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the federal income tax statutory rate of 21%. | <sup>(1)</sup> Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the federal income tax statutory rate of 21%. | <sup>(1)</sup> Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the federal income tax statutory rate of 21%. | <sup>(1)</sup> Net interest income has been computed on a fully taxable equivalent basis ("FTE") using the federal income tax statutory rate of 21%. |
| <sup>(2)</sup> Core efficiency ratio excludes from total revenue the impact of derivative mark-to-market and excludes from "total noninterest expense" the amortization of intangibles and any other unusual items deemed by management to not be related to normal operations, such as merger, acquisition and severance costs. | <sup>(2)</sup> Core efficiency ratio excludes from total revenue the impact of derivative mark-to-market and excludes from "total noninterest expense" the amortization of intangibles and any other unusual items deemed by management to not be related to normal operations, such as merger, acquisition and severance costs. | <sup>(2)</sup> Core efficiency ratio excludes from total revenue the impact of derivative mark-to-market and excludes from "total noninterest expense" the amortization of intangibles and any other unusual items deemed by management to not be related to normal operations, such as merger, acquisition and severance costs. | <sup>(2)</sup> Core efficiency ratio excludes from total revenue the impact of derivative mark-to-market and excludes from "total noninterest expense" the amortization of intangibles and any other unusual items deemed by management to not be related to normal operations, such as merger, acquisition and severance costs. |
| <sup>(3)</sup> Includes held for sale loans. | <sup>(3)</sup> Includes held for sale loans. | <sup>(3)</sup> Includes held for sale loans. | <sup>(3)</sup> Includes held for sale loans. |
| <sup>(4)</sup> Excludes held for sale loans. | <sup>(4)</sup> Excludes held for sale loans. | <sup>(4)</sup> Excludes held for sale loans. | <sup>(4)</sup> Excludes held for sale loans. |
|  | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
|  | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| Interest income | $157218 | $163925 | $147128 |
| Adjustment to fully taxable equivalent basis <sup>(1)</sup> | 361 | 355 | 335 |
| Interest income adjusted to fully taxable equivalent basis (non-GAAP) | 157579 | 164280 | 147463 |
| Interest expense | 48244 | 50724 | 51606 |
| &nbsp;&nbsp;**Net interest income, (FTE)** <sup>(1)</sup> | $**109335** | $**113556** | $**95857** |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** |
| **CONSOLIDATED FINANCIAL DATA** |
| **Unaudited** |
| (dollars in thousands, except per share data) |

---

---

| | | | |
|:---|:---|:---|:---|
| **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** |
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **Net Income** | $37548 | $44876 | $32696 |
| &nbsp;&nbsp;&nbsp;Intangible amortization | 1364 | 1494 | 1131 |
| &nbsp;&nbsp;&nbsp;Tax benefit of amortization of intangibles | (286) | (314) | (238) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net Income, adjusted for tax affected amortization of intangibles** | $**38626** | $**46056** | $**33589** |
| **Average Tangible Equity:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | $1562242 | $1549697 | $1429013 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: intangible assets | 399668 | 400638 | 382919 |
| **&nbsp;&nbsp;&nbsp;&nbsp; Tangible Equity** | **1162574** | **1149059** | **1046094** |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: preferred stock | **—** | **—** | **—** |
| **&nbsp;&nbsp;&nbsp;&nbsp; Tangible Common Equity** | $**1162574** | $**1149059** | $**1046094** |
| <sup>(8)</sup>**Return on Average Tangible Common Equity** | **13.47%** | **15.90%** | **13.02%** |

---

---

| | | | |
|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,**<br>**2026** | **December 31,**<br>**2025** | **March 31,**<br>**2025** |
| **Core Net Income:** |  |  |  |
| &nbsp;&nbsp;&nbsp;Total Net Income | $37548 | $44876 | $32696 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net securites gains | (229) | (425) | (4) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax benefit of net securities gains | 48 | 89 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Merger and acquisition related expenses | 117 | 150 | 109 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax benefit of merger and acquisition related expenses | (25) | (32) | (23) |
| &nbsp;&nbsp;&nbsp;&nbsp;<sup>(5)</sup> **Core net income** | $**37459** | $**44658** | $**32779** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Average Shares Outstanding Assuming Dilution | 102394488 | 103643551 | 101859825 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>(6)</sup> **Core Earnings per common share (diluted)** | $**0.37** | $**0.43** | $**0.32** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intangible amortization | 1364 | 1494 | 1131 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax benefit of amortization of intangibles | (286) | (314) | (238) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Core Net Income, adjusted for tax affected amortization of intangibles** | $**38537** | $**45838** | $**33672** |
| &nbsp;&nbsp;&nbsp;&nbsp;<sup>(9)</sup> **Core Return on Average Tangible Common Equity** | **13.44%** | **15.83%** | **13.05%** |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** |
| **CONSOLIDATED FINANCIAL DATA** |
| **Unaudited** |
| **(dollars in thousands, except per share data)** |

---

---

| | | | |
|:---|:---|:---|:---|
| **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | | |
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **Core Return on Average Assets:** |  |  |  |
| &nbsp;&nbsp;&nbsp;Total Net Income | $37548 | $44876 | $32696 |
| &nbsp;&nbsp;&nbsp;Total Average Assets | 12224806 | 12229879 | 11680688 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Return on Average Assets** | **1.25%** | **1.46%** | **1.14%** |
| &nbsp;&nbsp;&nbsp;Core Net Income <sup>(5)</sup> | $37459 | $44658 | $32779 |
| &nbsp;&nbsp;&nbsp;Total Average Assets | 12224806 | 12229879 | 11680688 |
| &nbsp;&nbsp;&nbsp;&nbsp;<sup>(7)</sup> **Core Return on Average Assets** | **1.24%** | **1.45%** | **1.14%** |

---

---

| | | | |
|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,**<br>**2026** | **December 31,**<br>**2025** | **March 31,**<br>**2025** |
| **Core Efficiency Ratio:** |  |  |  |
| &nbsp;&nbsp;&nbsp;Total Noninterest Expense | $75595 | $74476 | $71250 |
| &nbsp;&nbsp;&nbsp;**Adjustments to Noninterest Expense:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intangible amortization | 1364 | 1494 | 1131 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Merger and acquisition related | 117 | 150 | 109 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Noninterest Expense - Core** | $**74114** | $**72832** | $**70010** |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income, (FTE) | $109335 | $113556 | $95857 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | 24587 | 24716 | 22502 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities gains | (229) | (425) | (4) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Revenue** | **133693** | **137847** | **118355** |
| &nbsp;&nbsp;&nbsp;&nbsp;**Adjustments to Revenue:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Derivative mark-to-market | (6) | 25 | (153) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Revenue - Core** | $**133699** | $**137822** | $**118508** |
| <sup>(10)</sup>**Core Efficiency Ratio** | **55.43%** | **52.84%** | **59.08%** |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| **FIRST COMMONWEALTH FINANCIAL CORPORATION** |
| **CONSOLIDATED FINANCIAL DATA** |
| **Unaudited** |
| (dollars in thousands) |

---

---

| | | | |
|:---|:---|:---|:---|
| **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | **DEFINITIONS AND RECONCILIATION OF NON-GAAP MEASURES** | | |
| | **March 31,** | **December 31,** | **March 31,** |
|  | **2026** | **2025** | **2025** |
| **Tangible Equity:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | $1552697 | $1554376 | $1447051 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: intangible assets | 399233 | 400229 | 382514 |
| **&nbsp;&nbsp;&nbsp;&nbsp; Tangible Equity** | **1153464** | **1154147** | **1064537** |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: preferred stock |  |  |  |
| **&nbsp;&nbsp;&nbsp;&nbsp; Tangible Common Equity** | $**1153464** | $**1154147** | $**1064537** |
| **Tangible Assets:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | $12262572 | $12343036 | $11786398 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: intangible assets | 399233 | 400229 | 382514 |
| **&nbsp;&nbsp;&nbsp;&nbsp; Tangible Assets** | $**11863339** | $**11942807** | $**11403884** |
| <sup>(12)</sup>**Tangible Common Equity as a percentage of Tangible Assets** | **9.72%** | **9.66%** | **9.33%** |
| &nbsp;&nbsp;&nbsp;&nbsp;Shares Outstanding at End of Period | 101679621 | 102840771 | 101927219 |
| <sup>(11)</sup>**Tangible Book Value Per Common Share** | $**11.34** | $**11.22** | $**10.44** |

---

---

| | | | |
|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** |
| | **March 31,**<br>**2026** | **December 31,**<br>**2025** | **March 31,**<br>**2025** |
| **Pre-tax pre-provision net revenue:** |  |  |  |
| &nbsp;&nbsp;&nbsp;Net interest income | $108974 | $113201 | $95522 |
| &nbsp;&nbsp;&nbsp;Noninterest income | 24587 | 24716 | 22502 |
| &nbsp;&nbsp;&nbsp;Noninterest expense | 75595 | 74476 | 71250 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Pre-tax pre-provision net revenue** | $**57966** | $**63441** | $**46774** |
| &nbsp;&nbsp;&nbsp;Net securites gains | $(229) | $(425) | $(4) |
| &nbsp;&nbsp;&nbsp;Merger and acquisition related expenses | 117 | 150 | 109 |
| **Core pre-tax pre-provision net revenue** | $**57854** | $**63166** | $**46879** |
| &nbsp;&nbsp;**Net charge-offs** | $**8161** | $**11272** | $**3098** |

---

<br>