First Commonwealth Financial(US:FCF)2025-10-29 18:00Financial Highlights - Core pre-tax pre-provision income was $62.9 million[8] - Core PTPP ROAA was 2.05%[8] - The TCE ratio was 9.6%[8] - Core EPS was $0.39, an increase of $0.01 from the previous quarter[10] Balance Sheet and Income Statement - Net interest income (FTE) increased $4.9 million from the last quarter (LQ) and $14.6 million year-over-year (YoY), reaching $111.5 million[14] - Net interest margin increased 9 basis points (bps) from LQ and 36 bps YoY, reaching 3.92%[14] - Total loans increased by $137.0 million, or 5.7% annualized, from the previous quarter[22] - Average deposits grew by $102.7 million, or 4.0% annualized, from the previous quarter[27] Credit Quality and Capital - Provision expense was $11.3 million, an increase of $2.4 million from the previous quarter (excluding Day-1 non-PCD provision)[10,42] - Nonperforming loans decreased $10.8 million from LQ, totaling $88.7 million[42] - The company repurchased 625,483 shares with an aggregate value of $10.5 million during the quarter[10] Liquidity and Investment Portfolio - Available liquidity totaled $5.4 billion[8] - The investment securities portfolio totaled $1.5 billion, with 31% held-to-maturity (HTM) and 69% available-for-sale (AFS)[60]