株探米国株
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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.

Table of Contents


FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES
FORM 10-Q
INDEX
 
PAGE
PART I.
ITEM 1.
ITEM 2.
ITEM 3.
ITEM 4.
PART II.
ITEM 1.
ITEM 1A.
ITEM 2.
ITEM 3.
ITEM 4.
ITEM 5.
ITEM 6.

2
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.
3
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
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.
5
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.
6
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.
7
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.
8
Table of Contents


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.
9

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.
10
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.
11

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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
54

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.
55

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.
56

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.
57

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.
59

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.
60

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.
61

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.
62

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 

63

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.


 
64

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.  
65

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.
 
66

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  %
67

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.
68

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.

69

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
70

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 


71

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.

 
72

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.
 
73

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.


74

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.
76

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
77

ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)
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.
78

ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)
FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES


 
79

ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)
FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES


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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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)
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.
81

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.
82

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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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)
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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ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (Continued)
FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES


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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Table of Contents
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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Table of Contents
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.
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ITEM 6.     EXHIBITS
Exhibit
Number		    Description    Incorporated by Reference to
Filed herewith
Filed herewith
Filed herewith
Filed herewith
Filed herewith
Filed herewith
      Filed herewith
      Filed herewith
      Filed herewith
      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

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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

EX-10.1 2 fcf-ex101_changeofcontrola.htm EX-10.1 CHANGE OF CONTROL Document
EXHIBIT 10.1

CHANGE OF CONTROL AGREEMENT
THIS CHANGE OF CONTROL AGREEMENT (this "Change of Control Agreement"), is entered into as of April 1, 2026 (the “Effective Date”), by and between First Commonwealth Financial Corporation, a Pennsylvania corporation (the “Company”), and Matthew T. Zuro (“Executive”).
W I T N E S S E T H:
WHEREAS, the Compensation & Human Resources Committee ("Compensation Committee") of the Company’s Board of Directors (the “Board”) has determined that it is in the best interests of the Company and its shareholders to assure that the Company will have the continued dedication of the Executive, notwithstanding the possibility, threat or occurrence of a “Change of Control” (as defined below) of the Company;
WHEREAS, the Compensation Committee believes that it is important to diminish the inevitable distraction of the Executive that would result from the personal uncertainties and risks created by a pending or threatened Change of Control and to encourage the Executive to continue to devote Executive’s full attention and dedication to the Company currently and in the event of any threatened or pending Change of Control, and to provide the Executive with compensation and benefit arrangements upon the termination of Executive’s employment following a Change of Control;
WHEREAS, the Compensation Committee has authorized the Company to enter into this Change of Control Agreement with the Executive; and
WHEREAS, the Company and the Executive wish to enter into this Change of Control Agreement in order to accomplish these objectives.

NOW THEREFORE, in consideration of the promises and mutual covenants contained herein, and other good and valuable consideration, the Company and the Executive do hereby agree as follows:

ARTICLE 1
CERTAIN DEFINITIONS
1.1“Cause” for termination will be deemed to exist if:
(a)the Executive is convicted of, or pleads guilty or nolo contendere to, any crime which constitutes a felony under the laws of the United States of America or of any state or territory thereof, and the commission of that felony resulted in, or was intended to result in, a loss (monetary or otherwise) to the Employer Entities, or any of their respective clients, customers, directors, officers or employees;
(b)the Executive fails or refuses to perform the Executive’s duties to any of the Employer Entities (other than during such time as the Executive is incapacitated due to an

accident or illness or during the Executive’s regularly scheduled vacation periods) with the degree of skill and care reasonably expected of a professional of his experience and stature for a period of thirty (30) consecutive days following the receipt by the Executive of a notice from the Company sent by certified mail, return receipt requested, setting forth in detail the facts upon which the Company relies in concluding that the Executive has failed or refused to perform the Executive’s duties and indicating with specificity the duties that the Company demands that the Executive perform without delay;
(c)the Executive engages in an act or acts of dishonesty which result or are intended to result in material damage to the business or reputation of any of the Employer Entities; or
(d)the Executive fails or refuses to comply with any material provision of this Change of Control Agreement or any policy or procedure of any Employer Entity, which violations are demonstrably willful and deliberate on the Executive's part and which result or are intended to result in material damage to the business or reputation of any of the Employer Entities and as to which failure or refusal to comply the Company has notified the Executive in writing.
1.2“Change of Control” will mean:
(a)The acquisition, other than from the Company, by any individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Exchange Act), of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of fifty percent (50%) or more of the then outstanding shares of common stock of the Company;
(b)Individuals who, as of the Effective Date, constitute the Board (the “Incumbent Board”) cease for any reason to constitute at least a majority of the Board, provided that any individual becoming a director subsequent to the Effective Date, whose election, or nomination for election by the Company’s shareholders, was approved by a vote of at least a majority of the directors then comprising the Incumbent Board will be considered as though such individual were a member of the Incumbent Board; or
(c)Consummation of a reorganization, merger, consolidation, sale or other disposition of all or substantially all of the assets of the Company (a “Business Combination”), in each case, with respect to which all or substantially all of the individuals and entities who were the beneficial owners of shares outstanding shares of the Company’s common stock immediately prior to such Business Combination do not, following such Business Combination, beneficially own, directly or indirectly, more than fifty-percent (50%) of the then outstanding shares of common stock of the corporation resulting from such a Business Combination (including, without limitation, a corporation which as a result of such transaction owns the Company or all or substantially all of the Company’s assets either directly or through one or more subsidiaries).
Notwithstanding any other provision of this Change of Control Agreement to the contrary, (i) the placement of any of the Employer Entities into receivership or conservatorship by the Federal Deposit Insurance Corporation ("FDIC") or a state or federal banking regulatory agency with jurisdiction over any of the Employer Entities, (ii) the acquisition of fifty-percent (50%) or more of any of the Employer Entities' assets or assumption of fifty-percent (50%) or more of the Employer Entities' deposit liabilities in an FDIC-assisted transaction, and (iii) a change in any Employer Entity's
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board of directors at the direction of a state or federal banking regulatory authority having jurisdiction over any of the Employer Entities, will not constitute a Change of Control.
1.3 “Client” means any client or prospective client of the Company to whom the Executive provided services, or for whom the Executive transacted business, or whose identity became known to the Executive in connection with the Executive’s relationship with or employment by the Company.
1.4“Code” means the Internal Revenue Code of 1986, as amended.
1.5 “Employer Entity” means the Company and each of its subsidiaries and affiliates, including without limitation, FCB.
1.6“Exchange Act” means the Securities Exchange Act of 1934, as amended.
1.7“Good Reason” means:
(a)the assignment to the Executive of any duties inconsistent in any respect with the Executive’s title, position, authority, duties or responsibilities immediately prior to the Change of Control or any other action by the Company which results in a diminution of such position, authority, duties or responsibilities, other than an isolated, insubstantial and inadvertent action not taken in bad faith and which is remedied by the Company promptly after the receipt of notice thereof given by the Executive;
(b)any requirement of the Company that the Executive (i) be based anywhere more than fifty (50) miles from the office where the Executive is located immediately prior to the Change of Control or (ii) travel on Company business to an extent substantially greater than the travel obligations of the Executive immediately prior to the Change of Control; or
(c)(i) a reduction by the Company in the Executive’s rate of annual base salary as in effect immediately prior to the Change of Control or (ii) the failure of the Company to continue in effect any employee benefit plan, compensation plan, welfare benefit plan or material fringe benefit plan in which the Executive is participating or entitled to participate immediately prior to the Change of Control, unless the Executive is permitted to participate in other plans providing the Executive with substantially equivalent benefits in the aggregate (at substantially equivalent cost with respect to welfare benefit plans).
1.8 “Protected Period” means the period of time beginning with the date of a Change of Control and ending two (2) years following such Change of Control.
1.9“Qualifying Termination” means a termination of the Executive’s employment (i) by the Company other than for Cause, disability or death, or (ii) by the Executive for Good Reason, provided that such termination of employment constitutes a Separation from Service.
1.10 “Section 409A” means Section 409A of the Code and the regulations and other guidance promulgated thereunder.
1.11“Section 409A Change of Control” means a "Change of Control Event" as defined in Section 409A.
3

1.12“Section 409A Deferred Compensation” means an amount payable or benefit to be provided under a "nonqualified deferred compensation plan" as defined in Section 409A.
1.13“Separation from Service” has the meaning set forth in Section 409A.
ARTICLE 2
TERM
2.1The term of this Change of Control Agreement will begin on the Effective Date and will continue for thirty-six (36) full calendar months thereafter (the "Initial Term"). This term of this Change of Control Agreement will automatically renew for twenty-four (24) full calendar months thereafter on the third anniversary of the Effective Date and on each second anniversary thereafter (each, a "Renewal Term") unless either party hereto gives notice in writing to the other party at least twelve (12) months prior to the end of the Initial Term or any Renewal Term of the party's intent not to renew such term. Notwithstanding the foregoing, if a Change of Control occurs prior to the end of the Initial Term or Renewal Term, as the case may be, then the term of this Change of Control Agreement will continue until the later of (a) the end of the Protected Period, or (b) if a Qualifying Termination occurs during the Protected Period, the end of the Severance Period.
2.2Notwithstanding anything in this Section to the contrary, this Change of Control Agreement will terminate if the Executive or the Company terminates the Executive's employment for any reason prior to a Change in Control.
ARTICLE 3
PAYMENTS
3.1Qualifying Termination. If during the Protected Period the employment of the Executive is terminated pursuant to a Qualifying Termination, subject to Article 7 hereof, then the Employer Entities will pay to the Executive (or the Executive’s beneficiary as provided in Article 5 hereof) the accrued obligations, severance pay and severance benefits in accordance with Sections 3.2, 3.3 and 3.4 hereof. If the Executive's employment with the Employer Entities is terminated (i) for any reason prior to or after the Protected Period or (ii) other than pursuant to a Qualifying Termination during the Protected Period, then the Executive will not be entitled to the payment of any severance or provision of any benefits under this Change of Control Agreement.
3.2Accrued Benefits. In the event of a Qualifying Termination described in Section 3.1 hereof, the Employer Entities will pay to the Executive any accrued and unpaid base salary and paid time-off, within thirty (30) days following the date of Qualifying Termination or such earlier date as is required by law.
3.3Severance Pay. Subject to Article 7 hereof, in the event of a Qualifying Termination described in Section 3.1 hereof, the Employer Entities will pay to the Executive an amount equal to two (2) times: (i) the Executive’s annual base salary immediately prior to the Change of Control; (ii) the average of the aggregate annual amount of all bonuses paid to the Executive during the thirty-six (36) month period (or the Executive's period of employment with the Employer Entities, if less) preceding the Change of Control; (iii) the aggregate amount of all contributions by the Company for the account of the Executive under the First Commonwealth Financial Corporation 401(k) Savings and Investment Plan during the twelve (12) month period preceding the Change of Control; and (iv) the aggregate of all
4

contributions by the Company for the account of the Executive to the Company’s Non-Qualified Deferred Compensation Plan during the twelve (12) month period preceding the Change of Control. Subject to Article 7 hereof, such sum will be paid in equal periodic installments payable in accordance with the Employer Entity's normal payroll practices during the twenty-four (24) month period immediately following such Qualifying Termination (the "Severance Period").
3.4 Continued Health Insurance Benefits. In addition to the severance payable pursuant to Section 3.3 hereof, in the event of a Qualifying Termination described in Section 3.1 hereof, the Employer Entities will offer continuation coverage to the Executive, as required by the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended ("COBRA"), under the Company's group health plan on the terms and conditions mandated by COBRA and the Company will pay the full cost of the COBRA premiums on behalf of the Executive and his covered family members during the eighteen (18) month period immediately following such Qualifying Termination.
3.5Other Compensation and Benefits.
(a)Except as expressly provided for in Article 3 hereof, the Executive will not be entitled to severance pay or benefits under any plan, program, policy, practice or other arrangement of any Employer Entity in connection with any Qualifying Termination, including without limitation this Change of Control Agreement or any severance policy of any Employer Entity.
(b)During the Severance Period, the Executive will not be eligible to participate in any Employer Entity equity-based incentive, other incentive, 401(k) savings, employee stock ownership, deferred compensation, supplemental retirement, supplemental savings, life insurance, short or long term disability, employee welfare benefit, fringe benefit, perquisite, vacation, paid time-off or other employee benefit plan, program, policy, practice or other arrangement of any Employer Entity.
(c)Unless otherwise determined by the Board or applicable committee thereof, any outstanding options or other equity based awards held by the Executive to purchase or acquire Employer stock under any equity-based plan of any Employer Entity will be subject to the exercisability, vesting and forfeiture provisions of the respective plan. Any benefits the Executive has earned with respect to his employment for periods on or prior to the Qualifying Termination under any annual incentive, deferred compensation, supplement retirement or savings, 401(k), employer stock ownership or similar plan of any Employer Entity will be paid in accordance with the terms of such plan.
3.6Release. The Company’s obligation to make any payment to the Executive as described in this Article 3 is contingent upon the Executive’s execution and non-revocation of a release within sixty (60) days following the Executive's Separation from Service, in form and substance reasonably satisfactory to the Company, that, in the opinion of the Company’s counsel, is effective to release the Company from all claims relating to the Executive’s employment or the termination thereof (other than under the terms of this Change of Control Agreement), and the Company will have no obligation to make any payment unless and until such a release has become effective.
3.7Business Expenses. The Employer Entities will reimburse the Executive for any unreimbursed, reasonable business expenses incurred by the Executive on or before the Qualifying Termination, pursuant to Employer's reimbursement policies, provided that Executive present all expense reports to Employer in accordance with such policies. All such expense reports must be submitted within thirty (30) days following the date of the Qualifying Termination.
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3.8Withholding Taxes and Other Deductions. The Employer Entities may withhold from any payments made to the Executive any applicable federal, state, local and other taxes (such as employment taxes), and such other deductions as are prescribed by law. This includes withholding amounts from payments made pursuant to this Article 3 in order to satisfy any withholding obligations.
ARTICLE 4
LIMITATION ON PAYMENT OF BENEFITS
Notwithstanding anything to the contrary in this Change of Control Agreement, if the payments and benefits pursuant to Article 3 hereof, either alone or together with other payments and benefits which the Executive has the right to receive from the Company or any of its subsidiaries, would constitute a “parachute payment” under Section 280G of the Code, the payments and benefits pursuant to Article 3 hereof will be reduced, in the manner determined by independent tax counsel selected as provided below, by the amount, if any, which is the minimum necessary to result in no portion of the payments and benefits under Article 3 hereof being non-deductible to the Company or such subsidiary pursuant to Section 280G of the Code and subject to the excise tax imposed under Section 4999 of the Code; provided, however, that if such procedure for determining the reduction of payments and benefits is determined by the Company to result in a violation of Section 409A, such reduction will be made on a pro rata basis. The determination of whether any reduction in the payments and benefits is to be made pursuant to Article 3 hereof will be based upon the written advice of independent tax counsel selected by the Company and reasonably acceptable to the Executive. The fees and expenses of the tax counsel will be paid by the Company. The Company will use its best efforts to cause such counsel to prepare the foregoing opinion as promptly as practicable, and in any event, within thirty (30) days after the Change of Control or date of Qualifying Termination, if earlier. The Company and the Executive agree to be bound by the determination of such tax counsel and to make appropriate payments to each other to give effect to the intent and purpose of this Article 4.
ARTICLE 5
BENEFICIARIES
If the Executive dies after the occurrence of a Qualifying Termination, but prior to the payment of all of the monthly severance payments required by Article 3 hereof, then all remaining severance payments will be paid to the beneficiary designated in writing by the Executive at the same time, and in the same amount, as would have been payable to the Executive. The designation of a beneficiary for purposes of this Article 5 will be revocable during the lifetime of the Executive. If the Executive does not designate a beneficiary under this Change of Control Agreement, the beneficiary will be deemed to be the same person that the Executive designated with respect to the Executive’s group life insurance program maintained by the Company.
ARTICLE 6
EXECUTIVE COVENANTS
6.1Non-Disparagement. The Executive agrees that he will not, in writing or orally, or through conduct, disparage, deprecate, discredit, vilify or otherwise say anything negative about the Employer Entities. The Executive agrees never to disparage the services, products, customers, or employees of any Employer Entity. These prohibitions include, without limitation, any such statements made through use of social media sites, such as Facebook, LinkedIn or X (formerly Twitter).
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6.2Non-Disclosure of Confidential Information. The Executive recognizes and acknowledges that: (a) in the course of the Executive’s employment by the Employer Entities, it will be necessary for the Executive to acquire information which could include, in whole or in part, information concerning the Employer Entities’ business, sales volume, sales methods, sales proposals, financial statements and reports, customers and prospective customers, identity of customers and prospective customers, identity of key purchasing personnel in the employ of customers and prospective customers, amount or kind of customers’ purchases from the Employer Entities, the Employer Entities' sources of supply, the Employer Entities' computer programs, system documentation, special hardware, product hardware, related software development, the Employer Entities' manuals, formulae, processes, methods, machines, compositions, ideas, improvements, inventions, or other confidential or proprietary information belonging to the Employer Entities or relating to the Employer Entities' affairs (collectively referred to herein as the “Confidential Information”); (b) the Confidential Information is the property of the Employer Entities; (c) the use, misappropriation or disclosure of the Confidential Information would constitute a breach of trust and could cause irreparable injury to the Employer Entities; and (d) it is essential to the protection of the Employer Entities' good will and to the maintenance of the Employer Entities' competitive position that the Confidential Information be kept secret and that the Executive not disclose the Confidential Information to others or use the Confidential Information to the Executive’s own advantage or the advantage of others. Confidential Information will not include information otherwise available in the public domain through no act or omission of the Executive. The Executive agrees to hold and safeguard the Confidential Information in trust for the Employer Entities, its successors and assigns and agrees that he will not, without the prior written consent of the Employer Entities, misappropriate or disclose or make available to anyone for use outside the Employer Entities' organizations at any time, either during his employment with any Employer Entity or subsequent to the termination of his employment with the Employer Entities for any reason, including without limitation, termination by any Employer Entity, any of the Confidential Information, whether or not developed by the Executive, except as required in the performance of the Executive’s duties to the Employer Entities.
6.3Non-Solicitation of Employees. The Executive agrees that, during the term of his employment with any Employer Entity and for twenty-four (24) months following termination of the Executive’s employment with the Employer Entities for any reason, including without limitation termination by any Employer Entity for Cause or without Cause, the Executive will not, directly or indirectly, solicit or induce, or attempt to solicit or induce, any employee of any Employer Entity or of any of its subsidiaries or affiliates, to leave any Employer Entity or any of its subsidiaries, or affiliates, for any reason whatsoever, or to hire any such employee.
6.4Return of Materials. Upon the termination of the Executive’s employment with the Employer Entities for any reason, the Executive will promptly deliver to the Employer Entities all correspondence, drawings, blueprints, manuals, letters, notes, notebooks, reports, flow-charts, computer equipment, programs, software, databases, proposals, financial statements and reports, and any documents concerning the Employer Entities' customers or concerning products or processes used by the Employer Entities and, without limiting the foregoing, will promptly deliver to the Employer Entities any and all other documents or materials containing or constituting Confidential Information.
6.5Work Made for Hire. The Executive agrees that in the event of publication by the Executive of written or graphic materials constituting “work made for hire,” as defined and used in the Copyright Act of 1976, 17 USC § 1 et seq., the Employer Entities will retain and own all rights in said materials, including right of copyright.
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6.6Jurisdiction and Service of Process. The Executive and the Company waive any right to a court (including jury) proceeding and instead agree to submit any dispute over the application, interpretation, validity, or any other aspect of this Change of Control Agreement to binding arbitration consistent with the application of the Federal Arbitration Act and the procedural rules of the American Arbitration Association (“AAA”) before an arbitrator who is a member of the National Academy of Arbitrators (“NAA”) out of a nationwide panel of eleven (11) arbitrators to be supplied by the AAA. The Company will absorb the fee charged and the expenses incurred by the neutral arbitrator selected.
6.7Validity. The terms and provisions of this Article 6 are intended to be separate and divisible provisions and if, for any reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other provision of this Change of Control Agreement will thereby be affected. The parties hereto acknowledge that the potential restrictions on the Executive’s future employment imposed by this Article 6 are reasonable in both duration and geographic scope and in all other respects. If for any reason any court of competent jurisdiction will find any provisions of this Article 6 unreasonable in duration or geographic scope or otherwise, the Executive and the Company agree that the restrictions and prohibitions contained herein will be effective to the fullest extent allowed under applicable law in such jurisdiction.
6.8Consideration. The parties acknowledge that this Change of Control Agreement would not have been entered into and the benefits described herein would not have been promised in the absence of the Executive’s promises under this Article 6.
6.9Cease Payments. In the event that the Executive breaches any material provision of this Article 6, the Company’s obligation to make or provide payments or benefits under Article 3 will cease, to the extent not already paid or provided.
ARTICLE 7
SECTION 409a
7.1This Change of Control Agreement will be administered, interpreted and construed in compliance with Section 409A, including any exemption thereunder. Each payment hereunder, including each installment payment, will be treated as a separate payment for purposes of Section 409A. With respect to payments subject to Section 409A (and not exempt therefrom), each such payment will be paid as a result of a permissible distribution event, and at a specified time, consistent with Section 409A. The Executive has no right to, and there will not be, any acceleration or deferral with respect to payments hereunder. The Executive acknowledges and agrees that the Company will not be liable for, and nothing provided or contained in this Change of Control Agreement will obligate or cause the Company to be liable for, any tax, interest or penalties imposed on the Executive related to or arising with respect to any violation of Section 409A. For purposes of this Change of Control Agreement, any reference to "termination of employment", "termination" or similar reference will be construed to be a reference to Separation from Service.
7.2Notwithstanding any other provision of this Change of Control Agreement to the contrary, to the extent that any amount payable or benefit to be provided under this Change of Control Agreement constitutes Section 409A Deferred Compensation that is not exempt from Section 409A, and such amount or benefit is payable or to be provided as a result of Separation from Service, and the Executive is a "specified employee" (as defined and determined under Section 409A and any relevant procedures that the Company may establish) ("Specified Employee") at the time of his Separation from
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Service, then such payment or benefit will not be made or provided to the Executive until the day after the date that is six months following the Executive's Separation from Service, at which time all payments or benefits that otherwise would have been paid or provided to the Executive under this Change of Control Agreement during that six-month period, but were not paid or provided because of this Section 7.2, will be paid or provided, with any cash payment to be made in a single lump sum (without any interest with respect to that six-month period). This six-month delay will cease to be applicable if the Executive's Separation from Service due to death or if the Executive dies before the six-month period has elapsed, in which event any such payments or benefits will be paid or provided to the Executive's estate within thirty (30) days of the date of death.
7.3Notwithstanding any other provision of this Change of Control Agreement to the contrary, to the extent that any amount payable or benefit to be provided under this Change of Control Agreement constitutes Section 409A Deferred Compensation that is not exempt from Section 409A and the Executive is not a Specified Employee at the time of his Separation from Service, then such payment or benefit will not be provided to the Executive until the sixtieth (60th) day following the Executive's Separation from Service, at which time all payments or benefits that otherwise would have been paid or provided to the Executive under this Change of Control Agreement during the sixty (60) days period, but were not paid or provided because of this Section 7.3, will be paid or provided, with any cash payment to be made in a single lump sum (without any interest with respect to that sixty-day period).
ARTICLE 8
SUCCESSORS; BINDING AGREEMENT
8.1This Change of Control Agreement will inure to the benefit of and be binding upon the Company and its successors and assigns.
8.2The Company will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business and/or assets of the Company to assume expressly and agree to perform this Change of Control Agreement in the same manner and to the same extent that the Company would be required to perform it if no such succession had taken place. As used in this Change of Control Agreement, “Company” will mean the Company as defined herein and any successor to its business and/or assets which assumes and agrees to perform this Change of Control Agreement by operation of law or otherwise.
8.3This Change of Control Agreement will be binding upon, and will inure to the benefit of and be enforceable by, the Executive, the Executive’s heirs, personal representatives, executors and administrators.
ARTICLE 9
ATTORNEY’S FEES
Each party will bear all attorney’s fees and related expenses in connection with or relating to the negotiation and enforcement of this Change of Control Agreement; provided, that if the Executive is wholly successful on the merits of any action or proceeding to enforce the Executive’s rights under this Change of Control Agreement, the Company will reimburse all reasonable attorney’s fees and related expenses incurred by the Executive in connection with such action or proceeding. Any amount payable by the Company in any year pursuant to the prior sentence will not be affected by the amount of any payment made by the Company pursuant to the prior sentence in any other year, and under no
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circumstances will the Executive by permitted to liquidate or exchange the benefit afforded him in the prior sentence for cash or any other benefit. To the extent any such payment is made via reimbursement to the Executive, no such reimbursement will be made by the Company later than the end of the year following the year in which the underlying expense is incurred. The reimbursement right set forth in this Article 9 will be limited to fees and expenses incurred during the Executive's employment with the Employer Entities and during the ten (10) year period immediately thereafter.
ARTICLE 10
EMPLOYMENT WITH EMPLOYER ENTITIES
Employment with the Company for purposes of this Change of Control Agreement will include employment with any Employer Entity.
ARTICLE 11
NO SETOFF
No amounts otherwise due or payable under this Change of Control Agreement will be subject to setoff by the Company, except as otherwise required by law.
ARTICLE 12
NOT A CONTRACT FOR EMPLOYMENT
This Change of Control Agreement will not in any way constitute an employment agreement between the Company and the Executive and it will not oblige the Executive to continue in the employ of Company, nor will it oblige the Company to continue to employ the Executive.
ARTICLE 13
FDIC EVENTS
If any of the Employer Entities is in default (as defined in Section 3(x)(1) of the Federal Deposit Insurance Act or equivalent provisions relating to a regulator with supervisory authority over any of the Employer Entities), all obligations under this Change of Control Agreement will terminate as of the date of default, but this Article 13 will not affect any vested rights of the parties. Notwithstanding any other provision of this Change of Control Agreement, the Employer Entities will have no obligation to make any payments to Executive if such payments would be prohibited by applicable federal or state law, including without limitation Part 359 of the regulations of the Federal Deposit Insurance Corporation (12 CFR § 359 et seq.) or any successor provision.
ARTICLE 14
NOTICES
All notices and other communications required to be given hereunder will be in writing and will be deemed to have been delivered or made when mailed, by certified mail, return receipt requested, if to the Executive, to the last address which the Executive will provide to the Employer, in writing, for this purpose, but if the Executive has not then provided such an address, then to the last address of the
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Executive then on file with the Company; and if to the Company, then to the last address which the Company will provide to the Executive, in writing, for this purpose, but if the Company has not then provided the Executive with such an address, then to:
President and Chief Executive Officer
First Commonwealth Financial Corporation
601 Philadelphia Street
Indiana, Pennsylvania 15701
ARTICLE 15
GOVERNING LAW AND JURISDICTION
This Change of Control Agreement will be governed by, and construed in accordance with, the laws of the Commonwealth of Pennsylvania, except for the laws governing conflict of laws. In the event that either party will institute suit or other legal proceeding, whether in law or equity, the Courts of the Commonwealth of Pennsylvania will have exclusive jurisdiction with respect thereto.
ARTICLE 16
ENTIRE AGREEMENT
This Change of Control Agreement constitutes the entire understanding between the Company and the Executive concerning the subject matter hereof and supersedes all prior written or oral agreements or understandings between the parties hereto, including without limitation the Original Change of Control Agreement. No term or provision of this Change of Control Agreement may be changed, waived, amended or terminated except by a written instrument of equal formality to this Change of Control Agreement.

Signature page follows.




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IN WITNESS WHEREOF, the parties have executed this Change of Control Agreement as of the date set forth above.


(Corporate Seal) FIRST COMMONWEALTH FINANCIAL CORPORATION
 /s/ Carrie L. Riggle
Witness
By: /s/ T. Michael Price
Name: T. Michael Price
Title: President, Chief Executive Officer

EXECUTIVE
 /s/ Carrie L. Riggle
Witness
  /s/ Matthew T. Zuro


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EX-10.2 3 fcf-ex102_restrictedstocka.htm EX-10.2 RESTRICTED STOCK AGREEMENT Document
EXHIBIT 10.2
RESTRICTED STOCK AGREEMENT


This Restricted Stock Agreement (this “Agreement”) is made as of the 1st day of April, 2026 (the “Effective Date”) between First Commonwealth Financial Corporation (the “Company”) and Matthew T. Zuro (the “Grantee”).


RECITALS

Grantee will serve as EVP/Regional Banking. The Company wishes to award Grantee 15,000 restricted shares of the Company’s common stock, par value $1.00 per share (“Common Shares”), upon the terms and subject to the conditions of this Agreement.

AGREEMENT

Accordingly, in consideration of the foregoing and for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Company and Grantee agree as follows:
1.Award of Stock. The Company hereby grants to the Grantee 15,000 shares of Restricted Stock (the “Shares”), subject to the terms set forth herein and to the terms and provisions of the First Commonwealth Financial Corporation 2024 Stock Plan (the “Plan”) applicable to Restricted Stock, which terms and provisions are incorporated herein by this reference. Unless the context requires otherwise, the terms defined in the Plan shall have the same meanings herein. Notwithstanding the foregoing, this Agreement and the award shall be null and void if Participant does not accept the award by countersigning this Agreement within 30 days following the Effective Date.
2.Restriction on Transfer. Except for the transfer of the Shares to the Company as contemplated by this Agreement, none of the Shares or any beneficial interest therein shall be transferred, encumbered, pledged or otherwise alienated or disposed of in any way until the Shares become nonforfeitable in accordance with Section 3 of this Agreement.
3.Vesting and Forfeiture. The Shares are subject to forfeiture to the Company until such time as they become nonforfeitable as set forth in this Section 3.
a.Unless earlier forfeited in accordance with this Section 3, the Shares will become nonrestricted and nonforfeitable in accordance with the Vesting Schedule set forth below, provided that the Participant remains an employee through such dates:
i.5,000 Shares will become nonrestricted and nonforfeitable on April 1, 2027
ii.5,000 Shares will become nonrestricted and nonforfeitable on April 1, 2028
iii.5,000 Shares will become nonrestricted and nonforfeitable on April 1, 2029
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b.If the Grantee’s employment is terminated by the Company other than for “Cause” (as defined in Section 3(c)), any Shares which have not as of the termination of Grantee’s employment become nonforfeitable will immediately and automatically, without any action on the part of the Company, become nonforfeitable.
c.If the Grantee’s employment is terminated (i) by the Company for Cause or (ii) by Grantee for any reason, any Shares which have not as of the termination of Grantee’s employment become nonforfeitable will immediately and automatically be forfeited. For purposes of this Agreement, termination of employment shall be deemed to be for “Cause” if: (i) Grantee fails to comply with any material provision of this Agreement (including, without limitation, the restrictive covenants contained in Section 5 hereof); (ii) Grantee refuses to comply with any lawful, written directive from the Chief Executive Officer of the Company; (iii) Grantee fails to perform their duties as an officer of the Company with the degree of skill and care reasonably to be expected of a professional of their experience and stature after notice and a reasonable opportunity to cure (unless the failure to perform is incapable of being cured); or (iv) Grantee engages in an act of dishonesty, fraud or moral turpitude or Grantee is convicted of a crime which, in the judgment of the Chief Executive Officer of the Company, renders their continued employment by the Company materially damaging or detrimental to the Company.
d.Notwithstanding the foregoing schedule, if a Change in Control (as defined in the Plan) occurs while the Grantee is an Employee, then any Shares which have not become nonforfeitable will immediately and automatically, without any action on the part of the Company, become nonforfeitable as of the date of the Change in Control.
4.Book Entry Shares. Grantee acknowledges that the Shares will be issued in book-entry form and no certificate will be issued to evidence the Shares. A notation of the transfer restrictions and forfeiture conditions pursuant to this Agreement and the Plan will be made on the book-entry system with respect to the account or accounts to which the Shares are credited.
5.Grantee Covenants.
(a)General. Grantee and the Company acknowledge and agree that Grantee has received adequate consideration with respect to enforcement of the provisions of this Section 5 by virtue of receiving the Shares (regardless of whether the Shares are subsequently forfeited); that such provisions are reasonable and properly required for the adequate protection of the business of the Company and its subsidiaries (each, a “Company Party,” and collectively, the “Company Parties”); and that enforcement of such provisions will not prevent Grantee from earning a living.
(b)Non-Solicitation; No-Hire. Grantee agrees to comply with the provisions of subsections (i) and (ii) of this Section 5(b) while employed by any Company Party and for a period of one year after the last day of Grantee’s employment with such Company Party (such last day being the “Termination Date”) regardless of the reason for such termination of employment.
(i)Non-Solicitation. Grantee shall not, directly or indirectly, either for Grantee’s own benefit or purpose or for the benefit or purpose of any Person (as defined in the Plan) other than a Company Party, solicit, call on, do business with (in each of the foregoing cases, other than consumer retail transactions in the ordinary course of such
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customer's business or legal representation in the event that the Company's legal department grants a conflict waiver), or actively interfere with such Company Party’s relationship with, or attempt to divert or entice away, any Person that Grantee should reasonably know (A) is a customer of any Company Party for which the Company Party provides any services as of the Termination Date, or (B) was a customer of a Company Party for which the a Company Party provided any services at any time during the twelve (12) months preceding the Termination Date, or (C) was, as of the Termination Date, considering retention of a Company Party to provide any services.
(ii)Grantee shall not, directly or indirectly, either for Grantee’s own benefit or purpose or for the benefit or purpose of any Person other than the Company Parties, employ or offer to employ, call on, or actively interfere with a Company Party’s relationship with, or attempt to divert or entice away, any employee of any Company Party, nor shall Grantee assist any other Person in such activities.
(c)Confidentiality. During Grantee’s employment with the Company Parties, and thereafter regardless of the reason for termination of such employment, Grantee will not disclose or use in any way any confidential business or technical information or trade secret acquired in the course of such employment, all of which is the exclusive and valuable property of the Company Parties whether or not conceived of or prepared by Grantee, other than (1) information generally known in the industry of the Company Parties or acquired from public sources, (2) as required in the course of employment by the Company Parties, (3) as required by any court, supervisory authority, administrative agency or applicable law, or (4) with the prior written consent of the Company.
(d)Ownership of Inventions. Grantee shall promptly and fully disclose to the Company any and all inventions, discoveries, improvements, ideas or other works, whether or not patentable, that have been or will be conceived and/or reduced to practice by Grantee during the term of Grantee’s employment with any Company Party, whether alone or with others, and that are (1) related directly or indirectly to the business or activities of any Company Party or (2) developed with the use of any time, material, facilities or other resources of any Company Party (“Developments”). Grantee agrees to assign and hereby does assign to the Company or its designee all of Grantee’s right, title and interest, including copyrights and patent rights, in and to all Developments. Grantee shall perform all actions and execute all instruments that the Company or any subsidiary shall deem necessary to protect or record the Company’s or its designee’s interests in the Developments. The obligations of this Section 5(d) shall be performed by Grantee without further compensation and will continue beyond the Termination Date.
6.Rights of Grantee. The Grantee shall have the right to vote the Shares and to receive dividends with respect to the Shares.
7.Stock Splits, etc. If, while any of the Shares remain subject to forfeiture, there occurs any merger, consolidation, reorganization, recapitalization, stock split, stock dividend, combination or exchange of shares, or other similar change in the Company’s common stock, then any and all new, substituted or additional securities or other consideration to which the Grantee is entitled by reason of the Grantee’s ownership of the Shares will be immediately subject to the transfer restrictions and forfeiture provisions of Agreement.
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8.Tax Withholding. Grantee shall be required to deposit with the Company an amount of cash equal to the amount determined by the Company to be required with respect to any withholding taxes, FICA contributions, or the like under any federal, state, or local statute, ordinance, rule, or regulation in connection with the vesting or award of the Shares. Alternatively, the Company may, at Grantee’s election, (i) withhold the required amounts from Grantee’s pay during the pay periods next following the date on which any such applicable tax liability otherwise arises, or (ii) withhold a number of Shares otherwise deliverable having a Fair Market Value (as defined in the Plan) sufficient to satisfy the statutory minimum of all or part of Grantee’s estimated total federal, state, and local tax obligations associated with the vesting or award of the Shares.
9.83(b) Election. Grantee hereby acknowledges that they may file an election pursuant to Section 83(b) of the Code to be taxed currently on the fair market value of the Shares (less any purchase price paid for the Shares), provided that such election must be filed with the Internal Revenue Service no later than thirty (30) days after the grant of such Shares. Grantee will seek the advice of their own tax advisors as to the advisability of making such a Section 83(b) election, the potential consequences of making such an election, the requirements for making such an election, and the other tax consequences of this Award under federal, state, and any other laws that may be applicable. The Grantee is required to notify the Company within 30 days of any such election. The Company and its Subsidiaries and agents have not and are not providing any tax advice to Grantee.
10.Limitation on Rights; No Right to Future Grants; Extraordinary Item. By entering into this Agreement and accepting the Award, Grantee acknowledges that: (a) Grantee's participation in the Plan is voluntary; and (b)  the Award is not part of normal or expected compensation for any purpose, including without limitation for calculating any benefits, severance, resignation, termination, redundancy, end of service payments, bonuses, long-service awards, pension or retirement benefits or similar payments, and Grantee will not be entitled to compensation or damages as a consequence of Grantee's forfeiture of any unvested portion of the Award as a result of Grantee's separation from service with the Company or any Subsidiary for any reason.
11.General Provisions:
(a)This Agreement, together with the Plan, constitutes the entire agreement between the Company and the Grantee regarding the grant of the Shares.
(b)The Committee may modify this Agreement to bring it into compliance with any valid and mandatory government regulation or exchange listing requirement. This Agreement may also be amended by the Committee with the written consent of the Grantee.
(c)Nothing contained in this Agreement shall be deemed to require the Company and its Subsidiaries to continue the Grantee’s relationship as an Employee or to modify any agreement between the Grantee and the Company or its Subsidiaries relating thereto.
(d)The Committee may from time to time impose any conditions on the Shares as it deems reasonably necessary to ensure that the Plan and this Award satisfy the
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conditions of Rule 16b-3 of the Securities Exchange Act of 1934, as amended, and that Shares are issued and resold in compliance with the Securities Act of 1933, as amended.
(e)The Grantee agrees upon request execute any further documents or instruments necessary or desirable to carry out the purposes or intent of this Agreement.
(f)Grantee hereby acknowledges receipt of a copy of the Plan and agrees to be bound by all the terms and provisions thereof. The terms of the Plan as it presently exists, and as it may hereafter be amended, are deemed incorporated herein by reference, and in the event of any conflict between the terms of this Agreement and the provisions of the Plan, the provisions of the Plan shall be deemed to supersede the provisions of this Agreement.
(g)This Agreement shall be governed by, and enforced in accordance with, the laws of the Commonwealth of Pennsylvania without regard to the application of the principals of conflicts or choice of laws.
(h)This Agreement may be executed, including execution by facsimile signature, in one or more counterparts, each of which shall be deemed an original, and all of which together shall be deemed to be one and the same instrument.


Signature page follows.
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IN WITNESS WHEREOF, the parties have duly executed this Restricted Stock Agreement as of the day and year first set forth above.

GRANTEE:


 /s/ Matthew T. Zuro             
Signature

Matthew T. Zuro                     
Printed Name
COMPANY:


First Commonwealth Financial Corporation


By: /s/ T. Michael Price                    
Name: T. Michael Price
Title: President and CEO


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EX-10.3 4 fcf-ex103_changeofcontrola.htm EX-10.3 CHANGE OF CONTROL AGREEMENT Document
EXHIBIT 10.3
CHANGE OF CONTROL AGREEMENT
THIS CHANGE OF CONTROL AGREEMENT (this "Change of Control Agreement"), is entered into as of April 27, 2026 (the “Effective Date”), by and between First Commonwealth Financial Corporation, a Pennsylvania corporation (the “Company”), and Ryan L. Gorney (“Executive”).
W I T N E S S E T H:
WHEREAS, the Compensation & Human Resources Committee ("Compensation Committee") of the Company’s Board of Directors (the “Board”) has determined that it is in the best interests of the Company and its shareholders to assure that the Company will have the continued dedication of the Executive, notwithstanding the possibility, threat or occurrence of a “Change of Control” (as defined below) of the Company;
WHEREAS, the Compensation Committee believes that it is important to diminish the inevitable distraction of the Executive that would result from the personal uncertainties and risks created by a pending or threatened Change of Control and to encourage the Executive to continue to devote Executive’s full attention and dedication to the Company currently and in the event of any threatened or pending Change of Control, and to provide the Executive with compensation and benefit arrangements upon the termination of Executive’s employment following a Change of Control;
WHEREAS, the Compensation Committee has authorized the Company to enter into this Change of Control Agreement with the Executive; and
WHEREAS, the Company and the Executive wish to enter into this Change of Control Agreement in order to accomplish these objectives.

NOW THEREFORE, in consideration of the promises and mutual covenants contained herein, and other good and valuable consideration, the Company and the Executive do hereby agree as follows:
ARTICLE 1
CERTAIN DEFINITIONS
1.1“Cause” for termination will be deemed to exist if:
(a)the Executive is convicted of, or pleads guilty or nolo contendere to, any crime which constitutes a felony under the laws of the United States of America or of any state or territory thereof, and the commission of that felony resulted in, or was intended to result in, a loss (monetary or otherwise) to the Employer Entities, or any of their respective clients, customers, directors, officers or employees;
(b)the Executive fails or refuses to perform the Executive’s duties to any of the Employer Entities (other than during such time as the Executive is incapacitated due to an accident or illness or during the Executive’s regularly scheduled vacation periods) with the degree of skill and care reasonably expected of a professional of his experience and stature for a period of thirty (30) consecutive days following the receipt by the Executive of a notice


from the Company sent by certified mail, return receipt requested, setting forth in detail the facts upon which the Company relies in concluding that the Executive has failed or refused to perform the Executive’s duties and indicating with specificity the duties that the Company demands that the Executive perform without delay;
(c)the Executive engages in an act or acts of dishonesty which result or are intended to result in material damage to the business or reputation of any of the Employer Entities; or
(d)the Executive fails or refuses to comply with any material provision of this Change of Control Agreement or any policy or procedure of any Employer Entity, which violations are demonstrably willful and deliberate on the Executive's part and which result or are intended to result in material damage to the business or reputation of any of the Employer Entities and as to which failure or refusal to comply the Company has notified the Executive in writing.
1.2 “Change of Control” will mean:
(a)The acquisition, other than from the Company, by any individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Exchange Act), of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of fifty percent (50%) or more of the then outstanding shares of common stock of the Company;
(b)Individuals who, as of the Effective Date, constitute the Board (the “Incumbent Board”) cease for any reason to constitute at least a majority of the Board, provided that any individual becoming a director subsequent to the Effective Date, whose election, or nomination for election by the Company’s shareholders, was approved by a vote of at least a majority of the directors then comprising the Incumbent Board will be considered as though such individual were a member of the Incumbent Board; or
(c)Consummation of a reorganization, merger, consolidation, sale or other disposition of all or substantially all of the assets of the Company (a “Business Combination”), in each case, with respect to which all or substantially all of the individuals and entities who were the beneficial owners of shares outstanding shares of the Company’s common stock immediately prior to such Business Combination do not, following such Business Combination, beneficially own, directly or indirectly, more than fifty-percent (50%) of the then outstanding shares of common stock of the corporation resulting from such a Business Combination (including, without limitation, a corporation which as a result of such transaction owns the Company or all or substantially all of the Company’s assets either directly or through one or more subsidiaries).
Notwithstanding any other provision of this Change of Control Agreement to the contrary, (i) the placement of any of the Employer Entities into receivership or conservatorship by the Federal Deposit Insurance Corporation ("FDIC") or a state or federal banking regulatory agency with jurisdiction over any of the Employer Entities, (ii) the acquisition of fifty-percent (50%) or more of any of the Employer Entities' assets or assumption of fifty-percent (50%) or more of the Employer Entities' deposit liabilities in an FDIC-assisted transaction, and (iii) a change in any Employer Entity's board of directors at the direction of a state or federal banking
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regulatory authority having jurisdiction over any of the Employer Entities, will not constitute a Change of Control.
1.3 “Client” means any client or prospective client of the Company to whom the Executive provided services, or for whom the Executive transacted business, or whose identity became known to the Executive in connection with the Executive’s relationship with or employment by the Company.
1.4“Code” means the Internal Revenue Code of 1986, as amended.
1.5 “Employer Entity” means the Company and each of its subsidiaries and affiliates, including without limitation, FCB.
1.6“Exchange Act” means the Securities Exchange Act of 1934, as amended.
1.7“Good Reason” means:
(a)the assignment to the Executive of any duties inconsistent in any respect with the Executive’s title, position, authority, duties or responsibilities immediately prior to the Change of Control or any other action by the Company which results in a diminution of such position, authority, duties or responsibilities, other than an isolated, insubstantial and inadvertent action not taken in bad faith and which is remedied by the Company promptly after the receipt of notice thereof given by the Executive;
(b)any requirement of the Company that the Executive (i) be based anywhere more than fifty (50) miles from the office where the Executive is located immediately prior to the Change of Control or (ii) travel on Company business to an extent substantially greater than the travel obligations of the Executive immediately prior to the Change of Control; or
(c)(i) a reduction by the Company in the Executive’s rate of annual base salary as in effect immediately prior to the Change of Control or (ii) the failure of the Company to continue in effect any employee benefit plan, compensation plan, welfare benefit plan or material fringe benefit plan in which the Executive is participating or entitled to participate immediately prior to the Change of Control, unless the Executive is permitted to participate in other plans providing the Executive with substantially equivalent benefits in the aggregate (at substantially equivalent cost with respect to welfare benefit plans).
1.8 “Protected Period” means the period of time beginning with the date of a Change of Control and ending two (2) years following such Change of Control.
1.9“Qualifying Termination” means a termination of the Executive’s employment (i) by the Company other than for Cause, disability or death, or (ii) by the Executive for Good Reason, provided that such termination of employment constitutes a Separation from Service.
1.10“Section 409A” means Section 409A of the Code and the regulations and other guidance promulgated thereunder.
1.11“Section 409A Change of Control” means a "Change of Control Event" as defined in Section 409A.
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1.12“Section 409A Deferred Compensation” means an amount payable or benefit to be provided under a "nonqualified deferred compensation plan" as defined in Section 409A.
1.13“Separation from Service” has the meaning set forth in Section 409A.
ARTICLE 2
TERM
2.1The term of this Change of Control Agreement will begin on the Effective Date and will continue for thirty-six (36) full calendar months thereafter (the "Initial Term"). This term of this Change of Control Agreement will automatically renew for twenty-four (24) full calendar months thereafter on the third anniversary of the Effective Date and on each second anniversary thereafter (each, a "Renewal Term") unless either party hereto gives notice in writing to the other party at least twelve (12) months prior to the end of the Initial Term or any Renewal Term of the party's intent not to renew such term. Notwithstanding the foregoing, if a Change of Control occurs prior to the end of the Initial Term or Renewal Term, as the case may be, then the term of this Change of Control Agreement will continue until the later of (a) the end of the Protected Period, or (b) if a Qualifying Termination occurs during the Protected Period, the end of the Severance Period.
2.2Notwithstanding anything in this Section to the contrary, this Change of Control Agreement will terminate if the Executive or the Company terminates the Executive's employment for any reason prior to a Change in Control.
ARTICLE 3
PAYMENTS
3.1Qualifying Termination. If during the Protected Period the employment of the Executive is terminated pursuant to a Qualifying Termination, subject to Article 7 hereof, then the Employer Entities will pay to the Executive (or the Executive’s beneficiary as provided in Article 5 hereof) the accrued obligations, severance pay and severance benefits in accordance with Sections 3.2, 3.3 and 3.4 hereof. If the Executive's employment with the Employer Entities is terminated (i) for any reason prior to or after the Protected Period or (ii) other than pursuant to a Qualifying Termination during the Protected Period, then the Executive will not be entitled to the payment of any severance or provision of any benefits under this Change of Control Agreement.
3.2Accrued Benefits. In the event of a Qualifying Termination described in Section 3.1 hereof, the Employer Entities will pay to the Executive any accrued and unpaid base salary and paid time-off, within thirty (30) days following the date of Qualifying Termination or such earlier date as is required by law.
3.3Severance Pay. Subject to Article 7 hereof, in the event of a Qualifying Termination described in Section 3.1 hereof, the Employer Entities will pay to the Executive an amount equal to two (2) times: (i) the Executive’s annual base salary immediately prior to the Change of Control; (ii) the average of the aggregate annual amount of all bonuses paid to the Executive during the thirty-six (36) month period (or the Executive's period of employment with the Employer Entities, if less) preceding the Change of Control; (iii) the
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aggregate amount of all contributions by the Company for the account of the Executive under the First Commonwealth Financial Corporation 401(k) Savings and Investment Plan during the twelve (12) month period preceding the Change of Control; and (iv) the aggregate of all contributions by the Company for the account of the Executive to the Company’s Non-Qualified Deferred Compensation Plan during the twelve (12) month period preceding the Change of Control. Subject to Article 7 hereof, such sum will be paid in equal periodic installments payable in accordance with the Employer Entity's normal payroll practices during the twenty-four (24) month period immediately following such Qualifying Termination (the "Severance Period").
3.4 Continued Health Insurance Benefits. In addition to the severance payable pursuant to Section 3.3 hereof, in the event of a Qualifying Termination described in Section 3.1 hereof, the Employer Entities will offer continuation coverage to the Executive, as required by the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended ("COBRA"), under the Company's group health plan on the terms and conditions mandated by COBRA and the Company will pay the full cost of the COBRA premiums on behalf of the Executive and his covered family members during the eighteen (18) month period immediately following such Qualifying Termination.
3.5Other Compensation and Benefits.
(a)Except as expressly provided for in Article 3 hereof, the Executive will not be entitled to severance pay or benefits under any plan, program, policy, practice or other arrangement of any Employer Entity in connection with any Qualifying Termination, including without limitation this Change of Control Agreement or any severance policy of any Employer Entity.
(b)During the Severance Period, the Executive will not be eligible to participate in any Employer Entity equity-based incentive, other incentive, 401(k) savings, employee stock ownership, deferred compensation, supplemental retirement, supplemental savings, life insurance, short or long term disability, employee welfare benefit, fringe benefit, perquisite, vacation, paid time-off or other employee benefit plan, program, policy, practice or other arrangement of any Employer Entity.
(c)Unless otherwise determined by the Board or applicable committee thereof, any outstanding options or other equity based awards held by the Executive to purchase or acquire Employer stock under any equity-based plan of any Employer Entity will be subject to the exercisability, vesting and forfeiture provisions of the respective plan. Any benefits the Executive has earned with respect to his employment for periods on or prior to the Qualifying Termination under any annual incentive, deferred compensation, supplement retirement or savings, 401(k), employer stock ownership or similar plan of any Employer Entity will be paid in accordance with the terms of such plan.
3.6Release. The Company’s obligation to make any payment to the Executive as described in this Article 3 is contingent upon the Executive’s execution and non-revocation of a release within sixty (60) days following the Executive's Separation from Service, in form and substance reasonably satisfactory to the Company, that, in the opinion of the Company’s counsel, is effective to release the Company from all claims relating to the Executive’s employment or the termination thereof (other than under the terms of this
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Change of Control Agreement), and the Company will have no obligation to make any payment unless and until such a release has become effective.
3.7Business Expenses. The Employer Entities will reimburse the Executive for any unreimbursed, reasonable business expenses incurred by the Executive on or before the Qualifying Termination, pursuant to Employer's reimbursement policies, provided that Executive present all expense reports to Employer in accordance with such policies. All such expense reports must be submitted within thirty (30) days following the date of the Qualifying Termination.
3.8Withholding Taxes and Other Deductions. The Employer Entities may withhold from any payments made to the Executive any applicable federal, state, local and other taxes (such as employment taxes), and such other deductions as are prescribed by law. This includes withholding amounts from payments made pursuant to this Article 3 in order to satisfy any withholding obligations.
ARTICLE 4
LIMITATION ON PAYMENT OF BENEFITS
Notwithstanding anything to the contrary in this Change of Control Agreement, if the payments and benefits pursuant to Article 3 hereof, either alone or together with other payments and benefits which the Executive has the right to receive from the Company or any of its subsidiaries, would constitute a “parachute payment” under Section 280G of the Code, the payments and benefits pursuant to Article 3 hereof will be reduced, in the manner determined by independent tax counsel selected as provided below, by the amount, if any, which is the minimum necessary to result in no portion of the payments and benefits under Article 3 hereof being non-deductible to the Company or such subsidiary pursuant to Section 280G of the Code and subject to the excise tax imposed under Section 4999 of the Code; provided, however, that if such procedure for determining the reduction of payments and benefits is determined by the Company to result in a violation of Section 409A, such reduction will be made on a pro rata basis. The determination of whether any reduction in the payments and benefits is to be made pursuant to Article 3 hereof will be based upon the written advice of independent tax counsel selected by the Company and reasonably acceptable to the Executive. The fees and expenses of the tax counsel will be paid by the Company. The Company will use its best efforts to cause such counsel to prepare the foregoing opinion as promptly as practicable, and in any event, within thirty (30) days after the Change of Control or date of Qualifying Termination, if earlier. The Company and the Executive agree to be bound by the determination of such tax counsel and to make appropriate payments to each other to give effect to the intent and purpose of this Article 4.
ARTICLE 5
BENEFICIARIES
If the Executive dies after the occurrence of a Qualifying Termination, but prior to the payment of all of the monthly severance payments required by Article 3 hereof, then all remaining severance payments will be paid to the beneficiary designated in writing by the Executive at the same time, and in the same amount, as would have been payable to the Executive. The designation of a beneficiary for purposes of this Article 5 will be revocable
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during the lifetime of the Executive. If the Executive does not designate a beneficiary under this Change of Control Agreement, the beneficiary will be deemed to be the same person that the Executive designated with respect to the Executive’s group life insurance program maintained by the Company.
ARTICLE 6
EXECUTIVE COVENANTS
6.1Non-Disparagement. The Executive agrees that he will not, in writing or orally, or through conduct, disparage, deprecate, discredit, vilify or otherwise say anything negative about the Employer Entities. The Executive agrees never to disparage the services, products, customers, or employees of any Employer Entity. These prohibitions include, without limitation, any such statements made through use of social media sites, such as Facebook, LinkedIn or X (formerly Twitter).
6.2Non-Disclosure of Confidential Information. The Executive recognizes and acknowledges that: (a) in the course of the Executive’s employment by the Employer Entities, it will be necessary for the Executive to acquire information which could include, in whole or in part, information concerning the Employer Entities’ business, sales volume, sales methods, sales proposals, financial statements and reports, customers and prospective customers, identity of customers and prospective customers, identity of key purchasing personnel in the employ of customers and prospective customers, amount or kind of customers’ purchases from the Employer Entities, the Employer Entities' sources of supply, the Employer Entities' computer programs, system documentation, special hardware, product hardware, related software development, the Employer Entities' manuals, formulae, processes, methods, machines, compositions, ideas, improvements, inventions, or other confidential or proprietary information belonging to the Employer Entities or relating to the Employer Entities' affairs (collectively referred to herein as the “Confidential Information”); (b) the Confidential Information is the property of the Employer Entities; (c) the use, misappropriation or disclosure of the Confidential Information would constitute a breach of trust and could cause irreparable injury to the Employer Entities; and (d) it is essential to the protection of the Employer Entities' good will and to the maintenance of the Employer Entities' competitive position that the Confidential Information be kept secret and that the Executive not disclose the Confidential Information to others or use the Confidential Information to the Executive’s own advantage or the advantage of others. Confidential Information will not include information otherwise available in the public domain through no act or omission of the Executive. The Executive agrees to hold and safeguard the Confidential Information in trust for the Employer Entities, its successors and assigns and agrees that he will not, without the prior written consent of the Employer Entities, misappropriate or disclose or make available to anyone for use outside the Employer Entities' organizations at any time, either during his employment with any Employer Entity or subsequent to the termination of his employment with the Employer Entities for any reason, including without limitation, termination by any Employer Entity, any of the Confidential Information, whether or not developed by the Executive, except as required in the performance of the Executive’s duties to the Employer Entities.
6.3Non-Solicitation of Employees. The Executive agrees that, during the term of his employment with any Employer Entity and for twenty-four (24) months following
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termination of the Executive’s employment with the Employer Entities for any reason, including without limitation termination by any Employer Entity for Cause or without Cause, the Executive will not, directly or indirectly, solicit or induce, or attempt to solicit or induce, any employee of any Employer Entity or of any of its subsidiaries or affiliates, to leave any Employer Entity or any of its subsidiaries, or affiliates, for any reason whatsoever, or to hire any such employee.
6.4Return of Materials. Upon the termination of the Executive’s employment with the Employer Entities for any reason, the Executive will promptly deliver to the Employer Entities all correspondence, drawings, blueprints, manuals, letters, notes, notebooks, reports, flow-charts, computer equipment, programs, software, databases, proposals, financial statements and reports, and any documents concerning the Employer Entities' customers or concerning products or processes used by the Employer Entities and, without limiting the foregoing, will promptly deliver to the Employer Entities any and all other documents or materials containing or constituting Confidential Information.
6.5Work Made for Hire. The Executive agrees that in the event of publication by the Executive of written or graphic materials constituting “work made for hire,” as defined and used in the Copyright Act of 1976, 17 USC § 1 et seq., the Employer Entities will retain and own all rights in said materials, including right of copyright.
6.6Jurisdiction and Service of Process. The Executive and the Company waive any right to a court (including jury) proceeding and instead agree to submit any dispute over the application, interpretation, validity, or any other aspect of this Change of Control Agreement to binding arbitration consistent with the application of the Federal Arbitration Act and the procedural rules of the American Arbitration Association (“AAA”) before an arbitrator who is a member of the National Academy of Arbitrators (“NAA”) out of a nationwide panel of eleven (11) arbitrators to be supplied by the AAA. The Company will absorb the fee charged and the expenses incurred by the neutral arbitrator selected.
6.7Validity. The terms and provisions of this Article 6 are intended to be separate and divisible provisions and if, for any reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other provision of this Change of Control Agreement will thereby be affected. The parties hereto acknowledge that the potential restrictions on the Executive’s future employment imposed by this Article 6 are reasonable in both duration and geographic scope and in all other respects. If for any reason any court of competent jurisdiction will find any provisions of this Article 6 unreasonable in duration or geographic scope or otherwise, the Executive and the Company agree that the restrictions and prohibitions contained herein will be effective to the fullest extent allowed under applicable law in such jurisdiction.
6.8Consideration. The parties acknowledge that this Change of Control Agreement would not have been entered into and the benefits described herein would not have been promised in the absence of the Executive’s promises under this Article 6.
6.9Cease Payments. In the event that the Executive breaches any material provision of this Article 6, the Company’s obligation to make or provide payments or benefits under Article 3 will cease, to the extent not already paid or provided.
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ARTICLE 7
SECTION 409A
7.1This Change of Control Agreement will be administered, interpreted and construed in compliance with Section 409A, including any exemption thereunder. Each payment hereunder, including each installment payment, will be treated as a separate payment for purposes of Section 409A. With respect to payments subject to Section 409A (and not exempt therefrom), each such payment will be paid as a result of a permissible distribution event, and at a specified time, consistent with Section 409A. The Executive has no right to, and there will not be, any acceleration or deferral with respect to payments hereunder. The Executive acknowledges and agrees that the Company will not be liable for, and nothing provided or contained in this Change of Control Agreement will obligate or cause the Company to be liable for, any tax, interest or penalties imposed on the Executive related to or arising with respect to any violation of Section 409A. For purposes of this Change of Control Agreement, any reference to "termination of employment", "termination" or similar reference will be construed to be a reference to Separation from Service.
7.2Notwithstanding any other provision of this Change of Control Agreement to the contrary, to the extent that any amount payable or benefit to be provided under this Change of Control Agreement constitutes Section 409A Deferred Compensation that is not exempt from Section 409A, and such amount or benefit is payable or to be provided as a result of Separation from Service, and the Executive is a "specified employee" (as defined and determined under Section 409A and any relevant procedures that the Company may establish) ("Specified Employee") at the time of his Separation from Service, then such payment or benefit will not be made or provided to the Executive until the day after the date that is six months following the Executive's Separation from Service, at which time all payments or benefits that otherwise would have been paid or provided to the Executive under this Change of Control Agreement during that six-month period, but were not paid or provided because of this Section 7.2, will be paid or provided, with any cash payment to be made in a single lump sum (without any interest with respect to that six-month period). This six-month delay will cease to be applicable if the Executive's Separation from Service due to death or if the Executive dies before the six-month period has elapsed, in which event any such payments or benefits will be paid or provided to the Executive's estate within thirty (30) days of the date of death.
7.3Notwithstanding any other provision of this Change of Control Agreement to the contrary, to the extent that any amount payable or benefit to be provided under this Change of Control Agreement constitutes Section 409A Deferred Compensation that is not exempt from Section 409A and the Executive is not a Specified Employee at the time of his Separation from Service, then such payment or benefit will not be provided to the Executive until the sixtieth (60th) day following the Executive's Separation from Service, at which time all payments or benefits that otherwise would have been paid or provided to the Executive under this Change of Control Agreement during the sixty (60) days period, but were not paid or provided because of this Section 7.3, will be paid or provided, with any
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cash payment to be made in a single lump sum (without any interest with respect to that sixty-day period).
ARTICLE 8
SUCCESSORS; BINDING AGREEMENT
8.1This Change of Control Agreement will inure to the benefit of and be binding upon the Company and its successors and assigns.
8.2The Company will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business and/or assets of the Company to assume expressly and agree to perform this Change of Control Agreement in the same manner and to the same extent that the Company would be required to perform it if no such succession had taken place. As used in this Change of Control Agreement, “Company” will mean the Company as defined herein and any successor to its business and/or assets which assumes and agrees to perform this Change of Control Agreement by operation of law or otherwise.
8.3This Change of Control Agreement will be binding upon, and will inure to the benefit of and be enforceable by, the Executive, the Executive’s heirs, personal representatives, executors and administrators.
ARTICLE 9
ATTORNEY’S FEES
Each party will bear all attorney’s fees and related expenses in connection with or relating to the negotiation and enforcement of this Change of Control Agreement; provided, that if the Executive is wholly successful on the merits of any action or proceeding to enforce the Executive’s rights under this Change of Control Agreement, the Company will reimburse all reasonable attorney’s fees and related expenses incurred by the Executive in connection with such action or proceeding. Any amount payable by the Company in any year pursuant to the prior sentence will not be affected by the amount of any payment made by the Company pursuant to the prior sentence in any other year, and under no circumstances will the Executive by permitted to liquidate or exchange the benefit afforded him in the prior sentence for cash or any other benefit. To the extent any such payment is made via reimbursement to the Executive, no such reimbursement will be made by the Company later than the end of the year following the year in which the underlying expense is incurred. The reimbursement right set forth in this Article 9 will be limited to fees and expenses incurred during the Executive's employment with the Employer Entities and during the ten (10) year period immediately thereafter.
ARTICLE 10
EMPLOYMENT WITH EMPLOYEE ENTITIES
Employment with the Company for purposes of this Change of Control Agreement will include employment with any Employer Entity.
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ARTICLE 11
NO SETOFF
No amounts otherwise due or payable under this Change of Control Agreement will be subject to setoff by the Company, except as otherwise required by law.
ARTICLE 12
NOT A CONTRACT FOR EMPLOYMENT
This Change of Control Agreement will not in any way constitute an employment agreement between the Company and the Executive and it will not oblige the Executive to continue in the employ of Company, nor will it oblige the Company to continue to employ the Executive.
ARTICLE 13
FDIC EVENTS
If any of the Employer Entities is in default (as defined in Section 3(x)(1) of the Federal Deposit Insurance Act or equivalent provisions relating to a regulator with supervisory authority over any of the Employer Entities), all obligations under this Change of Control Agreement will terminate as of the date of default, but this Article 13 will not affect any vested rights of the parties. Notwithstanding any other provision of this Change of Control Agreement, the Employer Entities will have no obligation to make any payments to Executive if such payments would be prohibited by applicable federal or state law, including without limitation Part 359 of the regulations of the Federal Deposit Insurance Corporation (12 CFR § 359 et seq.) or any successor provision.
ARTICLE 14
NOTICES
All notices and other communications required to be given hereunder will be in writing and will be deemed to have been delivered or made when mailed, by certified mail, return receipt requested, if to the Executive, to the last address which the Executive will provide to the Employer, in writing, for this purpose, but if the Executive has not then provided such an address, then to the last address of the Executive then on file with the Company; and if to the Company, then to the last address which the Company will provide to the Executive, in writing, for this purpose, but if the Company has not then provided the Executive with such an address, then to:
President and Chief Executive Officer
First Commonwealth Financial Corporation
601 Philadelphia Street
Indiana, Pennsylvania 15701
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ARTICLE 15
GOVERNING LAW AND JURISDICTION
This Change of Control Agreement will be governed by, and construed in accordance with, the laws of the Commonwealth of Pennsylvania, except for the laws governing conflict of laws. In the event that either party will institute suit or other legal proceeding, whether in law or equity, the Courts of the Commonwealth of Pennsylvania will have exclusive jurisdiction with respect thereto.
ARTICLE 16
ENTIRE AGREEMENT
This Change of Control Agreement constitutes the entire understanding between the Company and the Executive concerning the subject matter hereof and supersedes all prior written or oral agreements or understandings between the parties hereto, including without limitation the Original Change of Control Agreement. No term or provision of this Change of Control Agreement may be changed, waived, amended or terminated except by a written instrument of equal formality to this Change of Control Agreement.

Signature page follows.

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IN WITNESS WHEREOF, the parties have executed this Change of Control Agreement as of the date set forth above.


(Corporate Seal) FIRST COMMONWEALTH FINANCIAL CORPORATION
/s/ Carrie L. Riggle
Witness
By: /s/ T. Michael Price
Name: T. Michael Price
Title: President & CEO

EXECUTIVE
/s/ Carrie L. Riggle
Witness
 /s/ Ryan L. Gorney

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EX-10.4 5 fcf-ex104_restrictedstocka.htm EX-10.4 RESTRICTED STOCK AGREEMENT Document
EXHIBIT 10.4
RESTRICTED STOCK AGREEMENT

This Restricted Stock Agreement (this “Agreement”) is made as of the 27th day of April, 2026 (the “Effective Date”) between First Commonwealth Financial Corporation (the “Company”) and Ryan L. Gorney (the “Grantee”).

RECITALS
Grantee will serve as EVP/Chief Information Officer. The Company wishes to award Grantee a total of 10,000 restricted shares of the Company’s common stock, par value $1.00 per share (“Common Shares”), upon the terms and subject to the conditions of this Agreement.
AGREEMENT
Accordingly, in consideration of the foregoing and for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Company and Grantee agree as follows:
1.Award of Stock. The Company hereby grants to the Grantee shares of Restricted Stock (the “Shares”), subject to the terms set forth herein and to the terms and provisions of the First Commonwealth Financial Corporation 2024 Stock Plan (the “Plan”) applicable to Restricted Stock, which terms and provisions are incorporated herein by this reference. Unless the context requires otherwise, the terms defined in the Plan shall have the same meanings herein. Notwithstanding the foregoing, this Agreement and the award shall be null and void if Participant does not accept the award by countersigning this Agreement within 30 days following the Effective Date.
2.Restriction on Transfer. Except for the transfer of the Shares to the Company as contemplated by this Agreement, none of the Shares or any beneficial interest therein shall be transferred, encumbered, pledged or otherwise alienated or disposed of in any way until the Shares become nonforfeitable in accordance with Section 3 of this Agreement.
3.Vesting and Forfeiture. The Shares are subject to forfeiture to the Company until such time as they become nonforfeitable as set forth in this Section 3.
(a)Unless earlier forfeited in accordance with this Section 3, the Shares will become nonrestricted and nonforfeitable in accordance with the Vesting Schedule set forth below, provided that the Participant remains an employee through such dates:
(a)10,000 shares will become nonrestricted and nonforfeitable upon the first anniversary date of employment.
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(b)If the Grantee’s employment is terminated by the Company other than for “Cause” (as defined in Section 3(c)), any Shares which have not as of the termination of Grantee’s employment become nonforfeitable will immediately and automatically, without any action on the part of the Company, become nonforfeitable.
(c)If the Grantee’s employment is terminated (i) by the Company for Cause or (ii) by Grantee for any reason, any Shares which have not as of the termination of Grantee’s employment become nonforfeitable immediately and automatically be forfeited. For purposes of this Agreement, termination of employment shall be deemed to be for “Cause” if: (i) Grantee fails to comply with any material provision of this Agreement (including, without limitation, the restrictive covenants contained in Section 5 hereof); (ii) Grantee refuses to comply with any lawful, written directive from the Chief Executive Officer of the Company; (iii) Grantee fails to perform their duties as an officer of the Company with the degree of skill and care reasonably to be expected of a professional of their experience and stature after notice and a reasonable opportunity to cure (unless the failure to perform is incapable of being cured); or (iv) Grantee engages in an act of dishonesty, fraud or moral turpitude or Grantee is convicted of a crime which, in the judgment of the Chief Executive Officer of the Company, renders their continued employment by the Company materially damaging or detrimental to the Company.
(d)Notwithstanding the foregoing schedule, if a Change in Control (as defined in the Plan) occurs while the Grantee is an Employee, then any Shares which have not become nonforfeitable will immediately and automatically, without any action on the part of the Company, become nonforfeitable as of the date of the Change in Control.
4.Book Entry Shares. Grantee acknowledges that the Shares will be issued in book-entry form and no certificate will be issued to evidence the Shares. A notation of the transfer restrictions and forfeiture conditions pursuant to this Agreement and the Plan will be made on the book-entry system with respect to the account or accounts to which the Shares are credited.
5.Grantee Covenants.
(a)General. Grantee and the Company acknowledge and agree that Grantee has received adequate consideration with respect to enforcement of the provisions of this Section 5 by virtue of receiving the Shares (regardless of whether the Shares are subsequently forfeited); that such provisions are reasonable and properly required for the adequate protection of the business of the Company and its subsidiaries (each, a “Company Party,” and collectively, the “Company Parties”); and that enforcement of such provisions will not prevent Grantee from earning a living.
(b)Non-Solicitation; No-Hire. Grantee agrees to comply with the provisions of subsections (i) and (ii) of this Section 5(b) while employed by any Company Party and for a period of one year after the last day of Grantee’s employment with such Company Party (such last day being the “Termination Date”) regardless of the reason for such termination of employment.
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(a)Grantee shall not, directly or indirectly, either for Grantee’s own benefit or purpose or for the benefit or purpose of any Person (as defined in the Plan) other than a Company Party, solicit, call on, do business with (in each of the foregoing cases, other than consumer retail transactions in the ordinary course of such customer’s business or legal representation in the event that the Company’s legal department grants a conflict waiver), or actively interfere with such Company Party’s relationship with, or attempt to divert or entice away, any Person that Grantee should reasonably know (A) is a customer of any Company Party for which the Company Party provides any services as of the Termination Date, or (B) was a customer of a Company Party for which the a Company Party provided any services at any time during the twelve (12) months preceding the Termination Date, or (C) was, as of the Termination Date, considering retention of a Company Party to provide any services.
(b)Grantee shall not, directly or indirectly, either for Grantee’s own benefit or purpose or for the benefit or purpose of any Person other than the Company Parties, employ or offer to employ, call on, or actively interfere with a Company Party’s relationship with, or attempt to divert or entice away, any employee of any Company Party, nor shall Grantee assist any other Person in such activities.
(c)Confidentiality. During Grantee’s employment with the Company Parties, and thereafter regardless of the reason for termination of such employment, Grantee will not disclose or use in any way any confidential business or technical information or trade secret acquired in the course of such employment, all of which is the exclusive and valuable property of the Company Parties whether or not conceived of or prepared by Grantee, other than (1) information generally known in the industry of the Company Parties or acquired from public sources, (2) as required in the course of employment by the Company Parties, (3) as required by any court, supervisory authority, administrative agency or applicable law, or (4) with the prior written consent of the Company.
(d)Ownership of Inventions. Grantee shall promptly and fully disclose to the Company any and all inventions, discoveries, improvements, ideas or other works, whether or not patentable, that have been or will be conceived and/or reduced to practice by Grantee during the term of Grantee’s employment with any Company Party, whether alone or with others, and that are (1) related directly or indirectly to the business or activities of any Company Party or (2) developed with the use of any time, material, facilities or other resources of any Company Party (“Developments”). Grantee agrees to assign and hereby does assign to the Company or its designee all of Grantee’s right, title and interest, including copyrights and patent rights, in and to all Developments. Grantee shall perform all actions and execute all instruments that the Company or any subsidiary shall deem necessary to protect or record the Company’s or its designee’s interests in the Developments. The obligations of this Section 5(d) shall be performed by Grantee without further compensation and will continue beyond the Termination Date.
6.Rights of Grantee. The Grantee shall have the right to vote the Shares and to receive dividends with respect to the Shares.
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7.Stock Splits, etc. If, while any of the Shares remain subject to forfeiture, there occurs any merger, consolidation, reorganization, recapitalization, stock split, stock dividend, combination or exchange of shares, or other similar change in the Company’s common stock, then any and all new, substituted or additional securities or other consideration to which the Grantee is entitled by reason of the Grantee’s ownership of the Shares will be immediately subject to the transfer restrictions and forfeiture provisions of Agreement.
8.Tax Withholding. Grantee shall be required to deposit with the Company an amount of cash equal to the amount determined by the Company to be required with respect to any withholding taxes, FICA contributions, or the like under any federal, state, or local statute, ordinance, rule, or regulation in connection with the vesting or award of the Shares. Alternatively, the Company may, at Grantee’s election, (i) withhold the required amounts from Grantee’s pay during the pay periods next following the date on which any such applicable tax liability otherwise arises, or (ii) withhold a number of Shares otherwise deliverable having a Fair Market Value (as defined in the Plan) sufficient to satisfy the statutory minimum of all or part of Grantee’s estimated total federal, state, and local tax obligations associated with the vesting or award of the Shares.
9.83(b) Election. Grantee hereby acknowledges that they may file an election pursuant to Section 83(b) of the Code to be taxed currently on the fair market value of the Shares (less any purchase price paid for the Shares), provided that such election must be filed with the Internal Revenue Service no later than thirty (30) days after the grant of such Shares. Grantee will seek the advice of their own tax advisors as to the advisability of making such a Section 83(b) election, the potential consequences of making such an election, the requirements for making such an election, and the other tax consequences of this Award under federal, state, and any other laws that may be applicable. The Grantee is required to notify the Company within 30 days of any such election. The Company and its Subsidiaries and agents have not and are not providing any tax advice to Grantee.
10.Limitation on Rights; No Right to Future Grants; Extraordinary Item. By entering into this Agreement and accepting the Award, Grantee acknowledges that: (a) Grantee's participation in the Plan is voluntary; and (b) the Award is not part of normal or expected compensation for any purpose, including without limitation for calculating any benefits, severance, resignation, termination, redundancy, end of service payments, bonuses, long-service awards, pension or retirement benefits or similar payments, and Grantee will not be entitled to compensation or damages as a consequence of Grantee's forfeiture of any unvested portion of the Award as a result of Grantee's separation from service with the Company or any Subsidiary for any reason.
11.General Provisions:
(a)This Agreement, together with the Plan, constitutes the entire agreement between the Company and the Grantee regarding the grant of the Shares.
(b)The Committee may modify this Agreement to bring it into compliance with any valid and mandatory government regulation or exchange listing
4

requirement. This Agreement may also be amended by the Committee with the written consent of the Grantee.
(c)Nothing contained in this Agreement shall be deemed to require the Company and its Subsidiaries to continue the Grantee’s relationship as an Employee or to modify any agreement between the Grantee and the Company or its Subsidiaries relating thereto.
(d)The Committee may from time to time impose any conditions on the Shares as it deems reasonably necessary to ensure that the Plan and this Award satisfy the conditions of Rule 16b-3 of the Securities Exchange Act of 1934, as amended, and that Shares are issued and resold in compliance with the Securities Act of 1933, as amended.
(e)The Grantee agrees upon request execute any further documents or instruments necessary or desirable to carry out the purposes or intent of this Agreement.
(f)Grantee hereby acknowledges receipt of a copy of the Plan and agrees to be bound by all the terms and provisions thereof. The terms of the Plan as it presently exists, and as it may hereafter be amended, are deemed incorporated herein by reference, and in the event of any conflict between the terms of this Agreement and the provisions of the Plan, the provisions of the Plan shall be deemed to supersede the provisions of this Agreement.
(g)This Agreement shall be governed by, and enforced in accordance with, the laws of the Commonwealth of Pennsylvania without regard to the application of the principals of conflicts or choice of laws.
(h)This Agreement may be executed, including execution by facsimile signature, in one or more counterparts, each of which shall be deemed an original, and all of which together shall be deemed to be one and the same instrument.
Signature page follows.
5



IN WITNESS WHEREOF, the parties have duly executed this Restricted Stock Agreement as of the day and year first set forth above.

GRANTEE:


/s/ Ryan L. Gorney
Signature

Ryan L. Gorney
Printed Name
COMPANY:


First Commonwealth Financial Corporation


By: /s/ T. Michael Price
Name: T. Michael Price
Title: President and CEO


6
EX-10.5 6 fcf-ex105_retirementagreem.htm EX-10.5 RETIREMENT AGREEMENT Document
Exhibit 10.5
RETIREMENT AGREEMENT
This Retirement Agreement (“Agreement”) is between the First Commonwealth Financial Corporation (“FCFC”) and Jane Grebenc (“Employee”).
WHEREAS, Employee has notified First Commonwealth Bank (“FCB,” and, together with FCFC, the “Company”) of their intention to retire from employment with the Company effective April 1, 2026 (“Retirement Date”);
WHEREAS, in recognition of Employee’s years of service and valuable contributions to FCB’s success, the Company is willing to provide Employee certain retirement benefits in exchange for a release of claims and other commitments.
NOW THEREFORE, intending to be legally bound and for good and valuable consideration, Company and Employee agree as follows:
1.Recitals. The foregoing recitals are true and correct and incorporated herein.
2.Retirement.
(a)Employee confirms their intention to retire as an employee of FCFC and FCB as of the Retirement Date. The Company has or will timely pay Employee, in accordance with its normal payroll and other procedures (or as otherwise required by law), for (i) Employee’s work through the Retirement Date, (ii) Employee’s accrued but unused paid time off, and (iii) Employee’s properly reported and reimbursable business expenses, less all required tax withholdings and other deductions.
(b)Employee’s eligibility to participate in the Company’s group insurance plans, benefit plans, and other fringe benefit programs will cease as of the Retirement Date, except as otherwise extended under COBRA. Certain benefits remain effective through the end of the month in which retirement occurs.
(c)The foregoing payments and benefits have been or will be provided to Employee regardless of whether Employee signs or revokes this Agreement.
(d)The term of Employee’s employment under the Employment Agreement dated May 31, 2013 between the Company and Employee (the “Employment Agreement”) will be deemed to end on the Retirement Date, and the payments and other benefits contemplated by Sections 2 and 3 of this Agreement shall be in lieu of and in full satisfaction of any severance payments and benefits to which employee may be entitled pursuant to the Employment Agreement.”
3.Retirement Benefits.
(a)The Company will pay Employee in respect of the Employee’s award under the Company’s 2026 annual incentive plan (“AIP”) $65,375, which is equivalent to the target award pro-rated based on the number of full calendar months completed in the performance period as of March 31, 2026, in cash or immediately available funds, net of required withholdings. on the first regular payroll date after the later of the Release Effective Date (as defined in Section 5(b)). The


payment contemplated by this Section 3(c) shall constitute full satisfaction of Employee’s award under the 2026 AIP.
(b)Employee is a participant in the following long-term incentive compensation plans (each, an “LTIP” and collectively, the “LTIPs”): (i) First Commonwealth Financial Corporation 2024-2026 Long-Term Incentive Plan; (ii) First Commonwealth Financial Corporation 2025-2027 Long-Term Incentive Plan and (iii) First Commonwealth Financial Corporation 2026-2028 Long-Term Incentive Plan. With respect to the LTIPs, the Company will pay Employee in respect of the Employee’s awards an amount equivalent to the value of the target share award, pro-rated based on the number of full calendar months completed in the performance period as of March 31, 2026, For purposes of the payment contemplated by this Section 3(b), the per share value of the LTIP awards will be calculated based on the average closing price of the Company’s stock on the New York Stock Exchange for the ten (10) trading days ending on April 1, 2026. Such payment will be made in cash or immediately available funds, net of required withholdings, on the first regular payroll date after the Release Effective Date. The payments contemplated by this Section 3(b) shall constitute full satisfaction of Employee’s awards under the LTIPs.
4.Release of Claims.
On the Retirement Date, Employee will execute and deliver the General Release of Claims attached as Exhibit A to this Agreement. The Parties agree that neither this Agreement nor the furnishing of the consideration for the release by Employee shall be deemed or construed at any time for any purpose as an admission by the Company, or evidence of any liability or unlawful conduct of any kind.
5.Time Limits, Revocation and Effective Date
(a)Employee acknowledges and agrees that Employee received this Agreement on March 24, 2026. Employee has up to twenty-one (21) days from the date Employee receives this Agreement to consider its terms. Any changes to this Agreement during that period, whether material or not, will not extend the 21-day period. If Employee signs this Agreement, Employee may still revoke Employee’s acceptance of the Agreement for up to seven (7) days after Employee signs it, by notifying the Company in writing before the expiration of that seven-day period. The written notice should be delivered in person or, if sent by mail, postmarked no later than the 7th day and mailed to:
First Commonwealth Bank
601 Philadelphia Street
Indiana, PA 15701
Attention: General Counsel
(b)If not revoked, this Agreement will become effective on the 8th day after Employee signs it (“Release Effective Date”). If Employee does not sign this Agreement within the 21-day period, or if Employee timely revokes this Agreement during the seven-day revocation period, this Agreement will not become effective and Employee will not be entitled to the Retirement Benefits provided for in Section 3.



6.Consult with an Attorney. The Company hereby advises Employee to consult with an attorney of Employee’s choice (at Employee’s expense) before Employee signs this Agreement. The Company will rely on Employee’s signature on this Agreement as Employee’s representation that Employee read this Agreement carefully before signing it, and that Employee has a full and complete understanding of its terms.
7.Representations. By signing below, Employee represents and agrees that the following are true and correct:
(a)Except for the wages and benefits to be paid to Employee regardless of whether Employee signs this Agreement (as described in Section 2) and the Retirement Benefits to be paid under this Agreement (as described in Section 3), the Company does not owe Employee any other wages, compensation, or benefits of any kind or nature;
(b)The Company has provided Employee with all leave to which Employee was entitled and, to the best of Employee’s knowledge, Employee is not suffering from any work-related injuries;
(c)Employee has notified the Company of any charge or complaint Employee filed with any agency or court that is still pending before such court or agency;
(d)The Retirement Benefits described in Section 3 are things that Employee is not entitled to receive in the absence of this Agreement;
(e)Employee has returned to the Company all property and information that belongs to the Company, including, but not limited to the following (where applicable): computers (desktop and laptop); phone; tablet; iPad; devices (including usb, external hard drives, etc.); handheld devices; keys, access cards, passwords, and/or ID cards; all electronically stored and paper copies of all financial data, customer information, business plans and reports, and Company files; and all records, customer lists, written information, forms, plans, and other documents, including electronically stored information. Employee shall search Employee's electronic devices, device back-ups, residence, and automobile and agrees that by signing below, Employee has disclosed all Company property in Employee's possession or control and returned such property as directed by Company; and
(f)Employee remains bound by the restrictive covenants (which include, by way of illustration and not limitation, the obligation not to compete or solicit prospective customers, customers and/or employees) for a period as defined and discussed more fully in the Employment Agreement, any stock award agreements, each annual and long-term incentive award agreement, and any other document containing restrictive covenants.
8.No Re-employment. Employee acknowledges and agrees that they shall not knowingly re-apply for employment with the Released Parties, nor will Employee knowingly accept any employment or otherwise work for the Released Parties. Further, Employee agrees that this forbearance to seek future employment with the Released Parties is purely contractual and is in no way involuntary, discriminatory, retaliatory, or in violation of any contract or policy of the


Released Parties. If Employee applies for employment with the Released Parties, the Released Parties are not under any obligation to process or otherwise act upon such application.
9.Confidentiality. Employee will keep this Agreement and its terms (other than the fact that Employee is retiring on the Retirement Date) confidential and will not disclose such information to anyone other than Employee’s immediate family and professional advisors, each of whom must, as a condition to the disclosure, agree to keep the information confidential. Employee will be responsible for any breach of this Section by Employee’s immediate family members and professional advisors. Notwithstanding the foregoing, this Agreement does not prohibit Employee from (a) providing truthful testimony in response to compulsory legal process, (b) participating or assisting in any investigation or inquiry by a governmental agency acting within the scope of its statutory or regulatory jurisdiction, or (c) making truthful statements in connection with any claim permitted to be brought by Employee under Sections 3 or 4 of the Release.
10.Confidential Information.
(a)Employee will not disclose to any third parties any of the trade secrets and other confidential proprietary information of the Company, including, but not limited to, information regarding the Company’s operations, products, services, suppliers, customers, research, development, new products, marketing, marketing plans, business plans, budgets, finances, licenses, prices, and costs (“Confidential Information”) without the express written consent of the Company, which consent may be withheld by the Company in its sole and absolute discretion. Notwithstanding the foregoing, this Agreement does not prohibit Employee from (i) providing truthful testimony in response to compulsory legal process, (ii) participating or assisting in any investigation or inquiry by a governmental agency acting within the scope of its statutory or regulatory jurisdiction, or (iii) making truthful statements in connection with any claim permitted to be brought by Employee under Sections 3 or 4 of the Release.
(b)Employee’s obligation under this Section include, but are not limited to, any and all Confidential Information the Company provided to Employee, Employee developed on behalf of the Company, or to which Employee had access, as well as information third parties provided to the Company that the Company is obligated to keep confidential.
11.Applicable Law; Jurisdiction and Venue.
(a)This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without giving effect to the principles of conflicts of law.
(b)Employee consents to the exclusive jurisdiction of any state or federal court of competent jurisdiction located within the Western District of the United States District Court in the Commonwealth of Pennsylvania, and Employee irrevocably agrees that all actions or proceedings relating to this Agreement may be litigated in such courts. Employee irrevocably waives Employee’s right to object to or challenge the above selected forum on the basis of inconvenience or unfairness similar state or federal statutes.



12.Entire Agreement; Other Agreements. This Agreement contains the entire agreement of the parties with respect to the subject matter hereof, and no representation, promise, or agreement, oral or written, relating hereto that is not contained herein shall be of any force or effect. Moreover, if Employee entered in any other enforceable agreements with the Company that contain provisions that are not in direct conflict with the provisions of this Agreement, those provisions shall remain in effect and the terms of this Agreement shall be in addition to the non-conflicting terms of such other such agreements.
13.No Disparagement. Employee will not make any defamatory or intentionally disparaging statements to any third parties regarding the Company, its services, or any of its employees, officers, or owners. Notwithstanding the foregoing, this Agreement does not prohibit Employee from (a) providing truthful testimony in response to compulsory legal process, (b) participating or assisting in any investigation or inquiry by a governmental agency acting within the scope of its statutory or regulatory jurisdiction, or (c) making truthful statements in connection with any claim permitted to be brought by Employee under Sections 3 or 4 of the Release.
14.No Admissions. Neither the execution of this Agreement nor the performance of its terms and conditions shall be construed or considered by any party or by any other person as an admission of liability or wrongdoing by either Party.
15.Counterparts. This Agreement may be executed in one or more counterparts, each of which will be considered an original instrument and all of which together will be considered one and the same agreement and will become effective when all executed counterparts have been delivered to the respective parties. Delivery of executed pages by facsimile transmission or e-mail will constitute effective and binding execution and delivery of this Agreement.
16.Assignment. This Agreement shall be binding upon and shall inure to the benefit of the Company and its respective successors and assigns, and any such successors and assigns shall be considered third-party beneficiaries of this Agreement.
17.Acknowledgements. Employee hereby acknowledges that Employee (a) has read this Agreement and understands all of its provisions; and (b) voluntarily enters into this Agreement, which is contractual in nature and contains a general release of claims.
18.Severability. If any term, provision or paragraph of this Agreement is determined by a court of competent jurisdiction to be invalid or unenforceable for any reason, such determination shall be limited to the narrowest possible scope in order to preserve the enforceability of the remaining portions of the term, provision or paragraph, and such determination shall not affect the remaining terms, provisions or paragraphs of this Agreement, which shall continue to be given full force and effect.
19.409A. The provisions of this Agreement will be administered, interpreted and construed in a manner intended to comply with Section 409A of the Internal Revenue Code of 1986, as amended, the regulations issued thereunder, or any exception thereto (or disregarded to the extent such provision cannot be so administered, interpreted, or construed). Each payment under this Agreement shall be considered a separate and distinct payment. Employee shall have no right to


designate the date of any payment under this Agreement. Nothing contained in this Agreement shall constitute any representation or warranty by the Company regarding compliance with Section 409A. The Company has no obligation to take any action to prevent the assessment of any tax under Section 409A on any person and neither the Company, nor its subsidiaries or affiliates, nor any of their employees, officers, directors or other representatives shall have any liability to Employee with respect thereto. To the extent required by this Agreement or applicable law, the Company will annually report as taxable wages and/or impute income to the Employee the value of any taxable benefits and payments provided to the Employee.
20.Further Assurances. Employee and the Company each agree to execute and deliver, after the date hereof, without additional consideration, any additional documents, and to take any further actions, as may be necessary to fulfill the intent of this Agreement and the transactions contemplated hereby.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the date(s) set forth below.

First Commonwealth Financial Corporation

By /s/ Carrie L. Riggle

Name Carrie L. Riggle

Title EVP, Human Resource Manager

Date April 1, 2026



/s/ Jane Grebenc April 1, 2026
Jane Grebenc Date






EXHIBIT A
General Release of Claims.
This General Release of Claims is executed and delivered by the undersigned (“Employee”) pursuant to, and in consideration of the promises made within, that certain Retirement Agreement dated April 1, 2026 (the “Agreement”) by and between First Commonwealth Financial Corporation, a Pennsylvania corporation (together with First Commonwealth Bank, the “Company” in the Agreement and “Employer” in this General Release of Claims), and the undersigned (“Employee”).
1. Employee knowingly and voluntarily releases and forever discharges Employer, its parent, affiliates, subsidiaries, divisions, predecessor companies, their successors and assigns, their affiliated and predecessor companies and the current and former employees, attorneys, shareholders, members, officers, directors and agents thereof and the current and former trustees or administrators of any pension or other benefit plan applicable to the employees or former employees of Employer (collectively referred to throughout the remainder of this Agreement as "Releasees"), of and from any and all claims, controversies, damages, rights, actions and causes of action, known and unknown, which the Employee has or may have against Releasees as of the date of execution of this General Release of Claims as the result of their separation of service from Employer, examples include, but are not limited to, any alleged violation of the following in connection with their separation of service from Employer:
•Title VII of the Civil Rights Act of 1964, as amended;
•The Civil Rights Act of 1991;
•Sections 1981 through 1988 of Title 42 of the United States Code, as amended;
•The Employee Retirement Income Security Act of 1974, as amended (with the exception of claims involving vested and/or accrued benefits);
•The Immigration Reform and Control Act, as amended;
•The Americans with Disabilities Act of 1990, as amended;
• The Age Discrimination in Employment Act of 1967, as amended;
•The Older Workers Benefit Protect Act;
•The Workers Adjustment and Retraining Notification Act, as amended;
•The Occupational Safety and Health Act, as amended;
•The Equal Pay Act of 1963;
•The Genetic Information Nondiscrimination Act;
•The Family and Medical Leave Act;
•Uniformed Services Employment and Reemployment Rights Act
•Any other federal, state or local civil or human rights law or any other local, state public policy, contract, tort, or common law; or
•Any allegation for costs, fees, or other expenses including attorneys' fees incurred in these matters (all of the above collectively referred to as "Claims").
2. This release is intended to be a general release of claims arising out of Employee’s separation of service from the Employer and excludes any rights or claims preserved in or based on the Agreement, and any claims based on transaction or occurrences arising after Employee’s execution of this General Release of Claims. Employee is advised to seek


independent legal counsel if Employee seeks clarification on the scope of this release. Signing this Agreement does not waive Employee's right to seek a judicial determination of the validity of Employee's release of rights arising under the Age Discrimination in Employment Act.
3. Nothing herein is intended to or shall preclude Employee from filing a charge with any appropriate federal, state, or local government agency and/or cooperating with said agency in its investigation. Employee, however, explicitly waives any right to file a personal lawsuit or receive monetary damages that the agency may recover against Releasees, without regard as to who brought any said complaint or charge.
4. Nothing herein is intended to or shall release, waive or otherwise impair the rights of Employee under the Bylaws of the Company or any of its subsidiaries, any insurance policy maintained by the Company or applicable law of Company practice to be indemnified against liability for acts or omissions in Employee’s covered capacities for the Company and/or its subsidiaries.
Other than filing suit to determine the validity of Employee's release under the ADEA as set forth in paragraph “2” above or filing a charge consistent with paragraph “3” above, Employee covenants not to file any lawsuit, charge, complaint, allegation or cause of action in any forum regarding any claim involving their employment with or their retirement from employment from Employer which they are waiving and releasing through this General Release of Claims. If Employee breaches this covenant, they agrees to forfeit any and all consideration offered to them in the Agreement.

Date: April 1, 2026 /s/ Jane Grebenc
Jane Grebenc
EX-10.6 7 fcf-ex106_retirementagreem.htm EX-10.6 RETIREMENT AGREEMENT Document
Exhibit 10.6
RETIREMENT AGREEMENT
This Retirement Agreement (“Agreement”) is between the First Commonwealth Financial Corporation (“FCFC”) and Norman J. Montgomery (“Employee”).
WHEREAS, Employee has notified First Commonwealth Bank (“FCB,” and, together with FCFC, the “Company”) of their intention to retire from employment with the Company effective May 1, 2026 (“Retirement Date”);
WHEREAS, in recognition of Employee’s years of service and valuable contributions to FCB’s success, the Company is willing to provide Employee certain retirement benefits in exchange for a release of claims and other commitments.
NOW THEREFORE, intending to be legally bound and for good and valuable consideration, Company and Employee agree as follows:
1.Recitals. The foregoing recitals are true and correct and incorporated herein.
2.Retirement.
(a)Employee confirms their intention to retire as an employee of FCFC and FCB as of the Retirement Date. The Company has or will timely pay Employee, in accordance with its normal payroll and other procedures (or as otherwise required by law), for (i) Employee’s work through the Retirement Date, (ii) Employee’s accrued but unused paid time off, and (iii) Employee’s properly reported and reimbursable business expenses, less all required tax withholdings and other deductions.
(b)Employee’s eligibility to participate in the Company’s group insurance plans, benefit plans, and other fringe benefit programs will cease as of the Retirement Date, except as otherwise extended under COBRA. Certain benefits remain effective through the end of the month in which retirement occurs.
(c)The foregoing payments and benefits have been or will be provided to Employee regardless of whether Employee signs or revokes this Agreement.
3.Retirement Benefits.
(a)The Company will pay Employee in respect of the Employee’s award under the Company’s 2026 annual incentive plan (“AIP”) $55,867, which is equivalent to the target award pro-rated based on the number of full calendar months completed in the performance period as of April 30, 2026, in cash or immediately available funds, net of required withholdings. on the first regular payroll date after the later of the Release Effective Date (as defined in Section 5(b)). The payment contemplated by this Section 3(c) shall constitute full satisfaction of Employee’s award under the 2026 AIP.
(b)Employee is a participant in the following long-term incentive compensation plans (each, an “LTIP” and collectively, the “LTIPs”): (i) First Commonwealth Financial Corporation 2024-2026 Long-Term Incentive Plan; (ii) First Commonwealth Financial Corporation 2025-2027 Long-Term Incentive Plan and (iii) First Commonwealth Financial Corporation


2026-2028 Long-Term Incentive Plan. With respect to the LTIPs, the Company will pay Employee in respect of the Employee’s awards an amount equivalent to the value of the target share award, pro-rated based on the number of full calendar months completed in the performance period as of April 30, 2026, For purposes of the payment contemplated by this Section 3(b), the per share value of the LTIP awards will be calculated based on the average closing price of the Company’s stock on the New York Stock Exchange for the ten (10) trading days ending on May 1, 2026. Such payment will be made in cash or immediately available funds, net of required withholdings, on the first regular payroll date after the Release Effective Date. The payments contemplated by this Section 3(b) shall constitute full satisfaction of Employee’s awards under the LTIPs.
4.Release of Claims.
On the Retirement Date, Employee will execute and deliver the General Release of Claims attached as Exhibit A to this Agreement. The Parties agree that neither this Agreement nor the furnishing of the consideration for the release by Employee shall be deemed or construed at any time for any purpose as an admission by the Company, or evidence of any liability or unlawful conduct of any kind.
5.Time Limits, Revocation and Effective Date
(a)Employee acknowledges and agrees that Employee received this Agreement on April 15, 2026. Employee has up to twenty-one (21) days from the date Employee receives this Agreement to consider its terms. Any changes to this Agreement during that period, whether material or not, will not extend the 21-day period. If Employee signs this Agreement, Employee may still revoke Employee’s acceptance of the Agreement for up to seven (7) days after Employee signs it, by notifying the Company in writing before the expiration of that seven-day period. The written notice should be delivered in person or, if sent by mail, postmarked no later than the 7th day and mailed to:
First Commonwealth Bank
601 Philadelphia Street
Indiana, PA 15701
Attention: General Counsel
(b)If not revoked, this Agreement will become effective on the 8th day after Employee signs it (“Release Effective Date”). If Employee does not sign this Agreement within the 21-day period, or if Employee timely revokes this Agreement during the seven-day revocation period, this Agreement will not become effective and Employee will not be entitled to the Retirement Benefits provided for in Section 3.

6.Consult with an Attorney. The Company hereby advises Employee to consult with an attorney of Employee’s choice (at Employee’s expense) before Employee signs this Agreement. The Company will rely on Employee’s signature on this Agreement as Employee’s representation that Employee read this Agreement carefully before signing it, and that Employee has a full and complete understanding of its terms.


7.Representations. By signing below, Employee represents and agrees that the following are true and correct:
(a)Except for the wages and benefits to be paid to Employee regardless of whether Employee signs this Agreement (as described in Section 2) and the Retirement Benefits to be paid under this Agreement (as described in Section 3), the Company does not owe Employee any other wages, compensation, or benefits of any kind or nature;
(b)The Company has provided Employee with all leave to which Employee was entitled and, to the best of Employee’s knowledge, Employee is not suffering from any work-related injuries;
(c)Employee has notified the Company of any charge or complaint Employee filed with any agency or court that is still pending before such court or agency;
(d)The Retirement Benefits described in Section 3 are things that Employee is not entitled to receive in the absence of this Agreement;
(e)Employee has returned to the Company all property and information that belongs to the Company, including, but not limited to the following (where applicable): computers (desktop and laptop); phone; tablet; iPad; devices (including usb, external hard drives, etc.); handheld devices; keys, access cards, passwords, and/or ID cards; all electronically stored and paper copies of all financial data, customer information, business plans and reports, and Company files; and all records, customer lists, written information, forms, plans, and other documents, including electronically stored information. Employee shall search Employee's electronic devices, device back-ups, residence, and automobile and agrees that by signing below, Employee has disclosed all Company property in Employee's possession or control and returned such property as directed by Company; and
(f)Employee remains bound by the restrictive covenants (which include, by way of illustration and not limitation, the obligation not to compete or solicit prospective customers, customers and/or employees) for a period as defined and discussed more fully in the Employment Agreement, any stock award agreements, each annual and long-term incentive award agreement, and any other document containing restrictive covenants.
8.No Re-employment. Employee acknowledges and agrees that they shall not knowingly re-apply for employment with the Released Parties, nor will Employee knowingly accept any employment or otherwise work for the Released Parties. Further, Employee agrees that this forbearance to seek future employment with the Released Parties is purely contractual and is in no way involuntary, discriminatory, retaliatory, or in violation of any contract or policy of the Released Parties. If Employee applies for employment with the Released Parties, the Released Parties are not under any obligation to process or otherwise act upon such application.
9.Confidentiality. Employee will keep this Agreement and its terms (other than the fact that Employee is retiring on the Retirement Date) confidential and will not disclose such information to anyone other than Employee’s immediate family and professional advisors, each of whom must, as a condition to the disclosure, agree to keep the information confidential. Employee will be responsible for any breach of this Section by Employee’s immediate family


members and professional advisors. Notwithstanding the foregoing, this Agreement does not prohibit Employee from (a) providing truthful testimony in response to compulsory legal process, (b) participating or assisting in any investigation or inquiry by a governmental agency acting within the scope of its statutory or regulatory jurisdiction, or (c) making truthful statements in connection with any claim permitted to be brought by Employee under Sections 3 or 4 of the Release.
10.Confidential Information.
(a)Employee will not disclose to any third parties any of the trade secrets and other confidential proprietary information of the Company, including, but not limited to, information regarding the Company’s operations, products, services, suppliers, customers, research, development, new products, marketing, marketing plans, business plans, budgets, finances, licenses, prices, and costs (“Confidential Information”) without the express written consent of the Company, which consent may be withheld by the Company in its sole and absolute discretion. Notwithstanding the foregoing, this Agreement does not prohibit Employee from (i) providing truthful testimony in response to compulsory legal process, (ii) participating or assisting in any investigation or inquiry by a governmental agency acting within the scope of its statutory or regulatory jurisdiction, or (iii) making truthful statements in connection with any claim permitted to be brought by Employee under Sections 3 or 4 of the Release.
(b)Employee’s obligation under this Section include, but are not limited to, any and all Confidential Information the Company provided to Employee, Employee developed on behalf of the Company, or to which Employee had access, as well as information third parties provided to the Company that the Company is obligated to keep confidential.
11.Applicable Law; Jurisdiction and Venue.
(a)This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without giving effect to the principles of conflicts of law.
(b)Employee consents to the exclusive jurisdiction of any state or federal court of competent jurisdiction located within the Western District of the United States District Court in the Commonwealth of Pennsylvania, and Employee irrevocably agrees that all actions or proceedings relating to this Agreement may be litigated in such courts. Employee irrevocably waives Employee’s right to object to or challenge the above selected forum on the basis of inconvenience or unfairness similar state or federal statutes.

12.Entire Agreement; Other Agreements. This Agreement contains the entire agreement of the parties with respect to the subject matter hereof, and no representation, promise, or agreement, oral or written, relating hereto that is not contained herein shall be of any force or effect. Moreover, if Employee entered in any other enforceable agreements with the Company that contain provisions that are not in direct conflict with the provisions of this Agreement, those provisions shall remain in effect and the terms of this Agreement shall be in addition to the non-conflicting terms of such other such agreements.


13.No Disparagement. Employee will not make any defamatory or intentionally disparaging statements to any third parties regarding the Company, its services, or any of its employees, officers, or owners. Notwithstanding the foregoing, this Agreement does not prohibit Employee from (a) providing truthful testimony in response to compulsory legal process, (b) participating or assisting in any investigation or inquiry by a governmental agency acting within the scope of its statutory or regulatory jurisdiction, or (c) making truthful statements in connection with any claim permitted to be brought by Employee under Sections 3 or 4 of the Release.
14.No Admissions. Neither the execution of this Agreement nor the performance of its terms and conditions shall be construed or considered by any party or by any other person as an admission of liability or wrongdoing by either Party.
15.Counterparts. This Agreement may be executed in one or more counterparts, each of which will be considered an original instrument and all of which together will be considered one and the same agreement and will become effective when all executed counterparts have been delivered to the respective parties. Delivery of executed pages by facsimile transmission or e-mail will constitute effective and binding execution and delivery of this Agreement.
16.Assignment. This Agreement shall be binding upon and shall inure to the benefit of the Company and its respective successors and assigns, and any such successors and assigns shall be considered third-party beneficiaries of this Agreement.
17.Acknowledgements. Employee hereby acknowledges that Employee (a) has read this Agreement and understands all of its provisions; and (b) voluntarily enters into this Agreement, which is contractual in nature and contains a general release of claims.
18.Severability. If any term, provision or paragraph of this Agreement is determined by a court of competent jurisdiction to be invalid or unenforceable for any reason, such determination shall be limited to the narrowest possible scope in order to preserve the enforceability of the remaining portions of the term, provision or paragraph, and such determination shall not affect the remaining terms, provisions or paragraphs of this Agreement, which shall continue to be given full force and effect.
19.409A. The provisions of this Agreement will be administered, interpreted and construed in a manner intended to comply with Section 409A of the Internal Revenue Code of 1986, as amended, the regulations issued thereunder, or any exception thereto (or disregarded to the extent such provision cannot be so administered, interpreted, or construed). Each payment under this Agreement shall be considered a separate and distinct payment. Employee shall have no right to designate the date of any payment under this Agreement. Nothing contained in this Agreement shall constitute any representation or warranty by the Company regarding compliance with Section 409A. The Company has no obligation to take any action to prevent the assessment of any tax under Section 409A on any person and neither the Company, nor its subsidiaries or affiliates, nor any of their employees, officers, directors or other representatives shall have any liability to Employee with respect thereto. To the extent required by this Agreement or applicable law, the Company will annually report as taxable wages and/or impute income to the Employee the value of any taxable benefits and payments provided to the Employee.


20.Further Assurances. Employee and the Company each agree to execute and deliver, after the date hereof, without additional consideration, any additional documents, and to take any further actions, as may be necessary to fulfill the intent of this Agreement and the transactions contemplated hereby.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the date(s) set forth below.

First Commonwealth Financial Corporation

By /s/ Carrie L. Riggle

Name Carrie L. Riggle

Title EVP, Human Resource Manager

Date May 1, 2026



/s/ Norman J. Montgomery May 1, 2026
Norman J. Montgomery Date






EXHIBIT A
General Release of Claims.
This General Release of Claims is executed and delivered by the undersigned (“Employee”) pursuant to, and in consideration of the promises made within, that certain Retirement Agreement dated May 1, 2026 (the “Agreement”) by and between First Commonwealth Financial Corporation, a Pennsylvania corporation (together with First Commonwealth Bank, the “Company” in the Agreement and “Employer” in this General Release of Claims), and the undersigned (“Employee”).
1. Employee knowingly and voluntarily releases and forever discharges Employer, its parent, affiliates, subsidiaries, divisions, predecessor companies, their successors and assigns, their affiliated and predecessor companies and the current and former employees, attorneys, shareholders, members, officers, directors and agents thereof and the current and former trustees or administrators of any pension or other benefit plan applicable to the employees or former employees of Employer (collectively referred to throughout the remainder of this Agreement as "Releasees"), of and from any and all claims, controversies, damages, rights, actions and causes of action, known and unknown, which the Employee has or may have against Releasees as of the date of execution of this General Release of Claims as the result of their separation of service from Employer, examples include, but are not limited to, any alleged violation of the following in connection with their separation of service from Employer:
•Title VII of the Civil Rights Act of 1964, as amended;
•The Civil Rights Act of 1991;
•Sections 1981 through 1988 of Title 42 of the United States Code, as amended;
•The Employee Retirement Income Security Act of 1974, as amended (with the exception of claims involving vested and/or accrued benefits);
•The Immigration Reform and Control Act, as amended;
•The Americans with Disabilities Act of 1990, as amended;
• The Age Discrimination in Employment Act of 1967, as amended;
•The Older Workers Benefit Protect Act;
•The Workers Adjustment and Retraining Notification Act, as amended;
•The Occupational Safety and Health Act, as amended;
•The Equal Pay Act of 1963;
•The Genetic Information Nondiscrimination Act;
•The Family and Medical Leave Act;
•Uniformed Services Employment and Reemployment Rights Act
•Any other federal, state or local civil or human rights law or any other local, state public policy, contract, tort, or common law; or
•Any allegation for costs, fees, or other expenses including attorneys' fees incurred in these matters (all of the above collectively referred to as "Claims").
2. This release is intended to be a general release of claims arising out of Employee’s separation of service from the Employer and excludes any rights or claims preserved in or based on the Agreement, and any claims based on transaction or occurrences arising after Employee’s execution of this General Release of Claims. Employee is advised to seek


independent legal counsel if Employee seeks clarification on the scope of this release. Signing this Agreement does not waive Employee's right to seek a judicial determination of the validity of Employee's release of rights arising under the Age Discrimination in Employment Act.
3. Nothing herein is intended to or shall preclude Employee from filing a charge with any appropriate federal, state, or local government agency and/or cooperating with said agency in its investigation. Employee, however, explicitly waives any right to file a personal lawsuit or receive monetary damages that the agency may recover against Releasees, without regard as to who brought any said complaint or charge.
4. Nothing herein is intended to or shall release, waive or otherwise impair the rights of Employee under the Bylaws of the Company or any of its subsidiaries, any insurance policy maintained by the Company or applicable law of Company practice to be indemnified against liability for acts or omissions in Employee’s covered capacities for the Company and/or its subsidiaries.
Other than filing suit to determine the validity of Employee's release under the ADEA as set forth in paragraph “2” above or filing a charge consistent with paragraph “3” above, Employee covenants not to file any lawsuit, charge, complaint, allegation or cause of action in any forum regarding any claim involving their employment with or their retirement from employment from Employer which they are waiving and releasing through this General Release of Claims. If Employee breaches this covenant, they agrees to forfeit any and all consideration offered to them in the Agreement.

Date: May 1, 2026 /s/ Norman J. Montgomery
Norman J. Montgomery
EX-31.1 8 fcf-ex311_20260630x10q.htm EX-31.1 CEO CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT Document

EXHIBIT 31.1
CHIEF EXECUTIVE OFFICER CERTIFICATION
PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
I, T. Michael Price, certify that:
1.I have reviewed this quarterly report on Form 10-Q of First Commonwealth Financial Corporation;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a.Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b.Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c.Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d.Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
a.All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
b.Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
DATED: August 10, 2026 /s/ T. Michael Price
T. Michael Price
President and Chief Executive Officer


EX-31.2 9 fcf-ex312_20260630x10q.htm EX-31.2 CFO CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT Document

EXHIBIT 31.2
CHIEF FINANCIAL OFFICER CERTIFICATION
PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
I, James R. Reske, certify that:
1.I have reviewed this quarterly report on Form 10-Q of First Commonwealth Financial Corporation;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a.Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b.Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c.Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d.Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
a.All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
b.Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
DATED: August 10, 2026 /s/ James R. Reske
James R. Reske
Executive Vice President, Chief Financial Officer and Treasurer


EX-32.1 10 fcf-ex321_20260630x10q.htm EX-32.1 CEO CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT Document

EXHIBIT 32.1
CERTIFICATION PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002
I, T. Michael Price, of First Commonwealth Financial Corporation (“First Commonwealth”), certify that the Quarterly Report of First Commonwealth on Form 10-Q for the period ended June 30, 2026, fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and that the information contained in such report fairly presents, in all material respects, the financial condition of First Commonwealth at the end of such period and the results of operations of First Commonwealth for such period.
 
DATED: August 10, 2026 /s/ T. Michael Price
T. Michael Price
President and Chief Executive Officer


EX-32.2 11 fcf-ex322_20260630x10q.htm EX-32.2 CFO CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT Document

EXHIBIT 32.2
CERTIFICATION PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002
I, James R. Reske, of First Commonwealth Financial Corporation (“First Commonwealth”), certify that the Quarterly Report of First Commonwealth on Form 10-Q for the period ended June 30, 2026, fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and that the information contained in such report fairly presents, in all material respects, the financial condition of First Commonwealth at the end of such period and the results of operations of First Commonwealth for such period.
 
DATED: August 10, 2026 /s/ James R. Reske
James R. Reske
Executive Vice President, Chief Financial Officer and Treasurer