Core Viewpoint - First Commonwealth Financial Corporation will host a conference call on October 29, 2025, to discuss its financial results for Q3 2025, with key executives participating in the call [1]. Group 1: Conference Call Details - The conference call is scheduled for 2:00 p.m. Eastern Time on October 29, 2025 [2]. - Participants can access the call via live webcast or by phone, with specific dial-in numbers provided for U.S. and international callers [2]. - A replay of the call will be available approximately one hour after its conclusion, with access codes for both live and replay options [2]. Group 2: Earnings Release Information - The earnings press release for Q3 2025 will be published after market close on October 28, 2025, and can be accessed on the company's investor relations webpage [4]. - The press release will be available under the "News" section of the website [4]. Group 3: Company Overview - First Commonwealth Financial Corporation is headquartered in Indiana, Pennsylvania, and operates 127 community banking offices across 30 counties in Pennsylvania and Ohio [5]. - The company offers a comprehensive range of financial services, including commercial banking, consumer banking, mortgage, equipment finance, wealth management, and insurance products [5].

Core Viewpoint - United Community Banks, Inc. is set to release its third quarter 2025 financial results on October 22, 2025, and will hold a conference call to discuss these results and the company's outlook [1][2]. Company Overview - United Community Banks, Inc. is a financial holding company with $28.1 billion in assets as of June 30, 2025, operating 200 offices across six states [3]. - The company offers a comprehensive range of banking, mortgage, and wealth management services and has a nationally recognized SBA lending franchise [3]. - United Community has received multiple accolades, including being named the most trusted bank in its region in 2025 and winning J.D. Power's award for highest customer satisfaction among consumer banks in the Southeast for 11 times [3]. - The company has been recognized as one of the "Best Banks to Work For" by American Banker for eight consecutive years and has earned five 2025 Greenwich Best Brand awards in commercial banking [3]. - Forbes has consistently listed United Community among the World's Best and America's Best Banks [3].

Core Points - First Commonwealth Financial Corporation will host a conference call on July 30, 2025, at 2:00 p.m. Eastern Time to discuss its financial results for the quarter ended June 30, 2025 [1] - The call will feature key executives including T. Michael Price (President and CEO), James R. Reske (CFO), Jane Grebenc (Chief Revenue Officer), and Brian J. Sohocki (Chief Credit Officer) [1] - A press release detailing the second quarter 2025 financial results will be issued after market close on July 29, 2025 [1] Conference Call Information - The conference call can be accessed via live and replay webcast at www.fcbanking.com/investorrelations or by phone at 1-888-330-3181 (U.S. toll free) or 1-646-960-0699 (international toll) [2] - The conference ID for the call is 4651379, and the webcast will be archived for at least 30 days [2] Question Submission - Participants can submit questions via email starting at 9:00 a.m. Eastern Time on July 30, 2025, until the conclusion of the presentation [3] Earnings Release Access - The earnings press release for the second quarter 2025 will be available on the investor relations webpage after its publication on July 29, 2025 [4] Company Overview - First Commonwealth Financial Corporation is headquartered in Indiana, Pennsylvania, and operates 127 community banking offices across 30 counties in western and central Pennsylvania and Ohio [5] - The company offers a comprehensive range of financial services including commercial banking, consumer banking, mortgage, equipment finance, wealth management, and insurance products through its subsidiaries [5]

Financial Summary - First Commonwealth Financial Corporation reported a net income of $32.7 million for Q1 2025, a decrease of $3.2 million from Q4 2024 and a decrease of $4.9 million from Q1 2024 [3][10] - Diluted earnings per share were $0.32, down from $0.35 in Q4 2024 and $0.37 in Q1 2024 [3][10] - Core net income was $32.8 million, also reflecting a decline from previous quarters [2][3] Operating Results - Core pre-tax pre-provision net revenue (PPNR) was $46.9 million, down $4.5 million from the prior quarter and $4.0 million from the same quarter last year [3][11] - End of period loans increased by $99.0 million, or 4.4% annualized, primarily due to a $121.4 million increase in commercial loans [3][14] - Average loans rose by $34.8 million, or 1.6% annualized, from the previous quarter [3][14] Deposits and Capital - End of period deposits increased by $183.6 million, or 7.7% annualized, driven by a $214.8 million increase in savings deposits [3][14] - The Bank-level Total Capital Ratio stood at 13.6%, representing $342.0 million in excess capital above the regulatory requirement [8][25] - Tangible book value per share increased by $0.40, or 16.3% annualized, from the previous quarter [8][11] Asset Quality - Provision for credit losses was $5.7 million, down from $6.5 million in the previous quarter [15][16] - Nonperforming loans totaled $59.4 million, a decrease of $2.1 million from the previous quarter [16][40] - Net charge-offs were $3.1 million, significantly lower than $13.7 million in the prior quarter [15][17] Noninterest Income and Expense - Noninterest income for Q1 2025 was $22.5 million, down from $25.3 million in Q4 2024 [20][21] - Noninterest expense (excluding merger-related expenses) totaled $71.1 million, an increase of $2.1 million from the previous quarter [22][23] - The core efficiency ratio increased to 59.08%, compared to 56.07% in the previous quarter [23][24] Franchise Growth - The company received all necessary approvals for the acquisition of CenterGroup Financial, expected to close on April 30, 2025 [7][9]