First Commonwealth Financial(US:FCF)2025-07-30 18:00Financial Highlights - Core pre-tax pre-provision income reached $58.7 million[8] - Core PTPP ROAA was 1.95%[8] - The reserve coverage ratio stood at 1.39%[8] - Available liquidity amounted to $5.3 billion[8] - Excess capital was $364.0 million[8] - TCE ratio was 9.4%[8] Income Statement - Net interest income (FTE) was $106.6 million, up $10.7 million from the previous quarter and $11.3 million year-over-year[12] - Net interest margin increased to 3.83%, a 21 basis point increase from the previous quarter and a 26 basis point increase year-over-year[12] - Fee income increased by $2.0 million from the previous quarter but decreased $0.4 million year-over-year, totaling $24.7 million[28, 26] Balance Sheet - Total loans (excluding acquired balances) increased by $183.7 million, or 8.1% annualized, from the previous quarter[9] - Average deposits (excluding acquired balances) grew by $91.6 million, or 3.8% annualized, from the previous quarter[9] - Nonperforming loans increased by $40.1 million from the previous quarter, reaching $99.5 million[36]