First Commonwealth Q3 profit rises to $44.9M

Nine-month operating cash flow was $106.482 million, compared with $135.788 million in 2025, as treasury-stock purchases totaled $125.159 million.

Available on EDGAR 11/06/2026 - 05:07 PM EST Accepted by SEC EDGAR 11/06/2026 - 05:07 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

First Commonwealth Financial Corporation reported third-quarter net income of $44.943 million, compared with $41.328 million a year earlier; diluted earnings per share were $0.45 versus $0.39. For the first nine months of 2026, net income was $127.080 million, compared with $107.426 million, while net interest income was $337.736 million versus $312.886 million.

At September 30, 2026, loans and leases totaled $9.537685 billion and deposits were $10.273909 billion. Total assets were $12.196935 billion at September 30, 2026, compared with $12.343036 billion at December 31, 2025. Net cash provided by operating activities was $106.482 million for the nine months, compared with $135.788 million in 2025. Treasury stock acquired included 6,218,703 shares; cash used for treasury-stock purchases was $125.159 million. Common dividends declared were $0.140 per share in the quarter, versus $0.135 a year earlier. Third-quarter comprehensive income was $16.733 million, compared with $48.261 million, alongside $35.926 million in pretax unrealized holding losses on securities.

2 points · 0 major

MixediHow this balance works

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Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

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0 major · 1 point

How the balance works

Positive

• Moderate pointQuarterly net income reached $44.943 million, versus $41.328 million.
• Minor pointNine-month net income was $127.080 million, versus $107.426 million.

Negative

• Moderate pointNine-month operating cash flow was $106.482 million, versus $135.788 million.

Filing Explained

At September 30, 2026, First Commonwealth reported 96,927,715 common shares outstanding, down from 102,840,771 at December 31, 2025; issued shares remained 126,599,991, while the company acquired 6,218,703 shares into treasury during the nine months.

Key Figures

Net income: $44.943 million Diluted earnings per share: $0.45 per share Net income: $127.080 million +4 more

7 metrics

Net income $44.943 million Three months ended September 30, 2026; $41.328 million in 2025

Diluted earnings per share $0.45 per share Three months ended September 30, 2026; $0.39 in 2025

Net income $127.080 million Nine months ended September 30, 2026; $107.426 million in 2025

Net interest income $337.736 million Nine months ended September 30, 2026; $312.886 million in 2025

Net cash provided by operating activities $106.482 million Nine months ended September 30, 2026; $135.788 million in 2025

Loans and leases $9.537685 billion As of September 30, 2026

Treasury stock acquired 6,218,703 shares Nine months ended September 30, 2026

Key Terms

net interest income, other comprehensive income (OCI), allowance for credit losses, purchased credit-deteriorated (PCD) loans

4 terms

net interest income financial

"Net Interest Income"

Net interest income is the difference between the interest a financial institution earns on loans and investments and the interest it pays on deposits and borrowings. It matters to investors because it is a primary source of profit for banks and similar firms — like the gross margin on a store’s trade — and changes with loan growth, deposit costs and interest rates, so it signals core earning power and sensitivity to rate moves.

other comprehensive income (OCI) financial

"change in components of OCI"

Other comprehensive income (OCI) is a category on a company’s financial statements that captures gains and losses not included in the regular profit-and-loss total, such as unrealized investment gains, currency translation shifts, and certain pension adjustments. It matters to investors because OCI affects the company’s reported equity and shows hidden value or risk that hasn’t hit the income statement yet — like an unsold asset whose market value moved up or down.

allowance for credit losses financial

"Calculation of the Allowance for Credit Losses"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

purchased credit-deteriorated (PCD) loans financial

"PCD loans are defined as a loan or group of loans"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did FCF earn in the third quarter of 2026?

First Commonwealth reported net income of $44.943 million for the three months ended September 30, 2026, compared with $41.328 million in the same 2025 period. Diluted earnings per share were $0.45, versus $0.39.

What were FCF's loans and deposits at September 30, 2026?

Loans and leases totaled $9.537685 billion, and total deposits were $10.273909 billion, as of September 30, 2026. At December 31, 2025, the corresponding balances were $9.508039 billion and $10.250969 billion.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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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 September 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 November 5, 2026, was 96,927,715.

Table of Contents

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

FORM 10-Q

INDEX

 

						PAGE
PART I.			Financial Information
ITEM 1.			Financial Statements and Supplementary Data
			Included in Part I of this report:
			First Commonwealth Financial Corporation and Subsidiaries
			Consolidated Statements of Financial Condition (Unaudited)			3
			Consolidated Statements of Income (Unaudited)			4
			Consolidated Statements of Comprehensive Income (Unaudited)			5
			Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)			6
			Consolidated Statements of Cash Flows (Unaudited)			8
			Notes to the Unaudited Consolidated Financial Statements			10
ITEM 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			59
ITEM 3.			Quantitative and Qualitative Disclosures About Market Risk			87
ITEM 4.			Controls and Procedures			87
PART II.			Other Information
ITEM 1.			Legal Proceedings			88
ITEM 1A.			Risk Factors			88
ITEM 2.			Unregistered Sales of Equity Securities and Use of Proceeds			88
ITEM 3.			Defaults Upon Senior Securities			88
ITEM 4.			Mine Safety Disclosures			88
ITEM 5.			Other Information			88
ITEM 6.			Exhibits			89
			Signatures			90

2

Table of Contents

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited)

			September 30, 2026						December 31, 2025
			(dollars in thousands, except share data)
Assets
Cash and due from banks			$	93,509					$	103,280
Interest-bearing bank deposits			34,502						77,082
Securities available for sale, at fair value			1,003,048						1,014,194
Securities held to maturity, at amortized cost (Fair value of $485,856 and $470,665 at September 30, 2026 and December 31, 2025, respectively)			555,660						519,422
Other investments			38,690						38,295
Loans held for sale (Includes fair value of $36,301 and $46,071 at September 30, 2026 and December 31, 2025, respectively)			37,676						271,452
Loans and leases:
Portfolio loans and leases			9,537,685						9,508,039
Allowance for credit losses			(133,525)						(125,768)
Net loans and leases			9,404,160						9,382,271
Premises and equipment, net			117,343						114,283
Other real estate owned			4,534						990
Goodwill			378,826						378,214
Amortizing intangibles, net			19,759						22,015
Bank owned life insurance			235,643						233,154
Other assets			273,585						188,384
Total assets			$	12,196,935					$	12,343,036
Liabilities
Deposits (all domestic):
Noninterest-bearing			$	2,469,526					$	2,372,771
Interest-bearing			7,804,383						7,878,198
Total deposits			10,273,909						10,250,969
Short-term borrowings			167,672						147,966
Subordinated debentures			121,700						128,466
Other long-term debt			—						129,555
Capital lease obligation			—						3,721
Total long-term debt			121,700						261,742
Other liabilities			149,605						127,983
Total liabilities			10,712,886						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 September 30, 2026 and December 31, 2025, and 96,927,715 and 102,840,771 shares outstanding at September 30, 2026 and December 31, 2025, respectively			126,600						126,600
Additional paid-in capital			676,845						675,745
Retained earnings			1,152,771						1,067,895
Accumulated other comprehensive loss, net			(98,919)						(64,600)
Treasury stock (29,672,276 and 23,759,220 shares at September 30, 2026 and December 31, 2025, respectively)			(373,248)						(251,264)
Total shareholders’ equity			1,484,049						1,554,376
Total liabilities and shareholders’ equity			$	12,196,935					$	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 Nine Months Ended
			September 30,												September 30,
			2026						2025						2026						2025
			(dollars in thousands, except share data)
Interest Income
Interest and fees on loans and leases			$	146,472					$	147,728					$	431,070					$	422,834
Interest and dividends on investments:
Taxable interest			14,501						13,614						41,630						41,530
Interest exempt from federal income taxes			83						90						256						276
Dividends			709						786						1,859						2,017
Interest on bank deposits			544						491						4,034						2,106
Total interest income			162,309						162,709						478,849						468,763
Interest Expense
Interest on deposits			43,104						47,038						133,473						142,961
Interest on short-term borrowings			1,002						1,262						1,317						3,128
Interest on subordinated debentures			1,860						1,858						5,432						5,534
Interest on other long-term debt			—						1,389						798						4,132
Interest on lease obligations			23						39						93						122
Total interest expense			45,989						51,586						141,113						155,877
Net Interest Income			116,320						111,123						337,736						312,886
Provision for credit losses			14,188						11,327						33,852						25,961
Provision for credit losses - acquisition day 1 non-PCD			—						—						—						3,759
Net Interest Income after Provision for Credit Losses			102,132						99,796						303,884						283,166
Noninterest Income
Net securities gains (losses)			33						369						573						(4,773)
Gain on sale of VISA			—						—						—						5,146
Trust income			3,900						3,477						10,891						9,528
Service charges on deposit accounts			5,990						5,913						17,264						16,946
Insurance and retail brokerage commissions			2,920						3,499						9,272						9,766
Income from bank owned life insurance			1,990						1,712						5,930						5,152
Gain on sale of mortgage loans			2,512						2,132						7,064						5,355
Gain on sale of other loans and assets			2,275						1,085						6,485						4,690
Gain on early redemption of subordinated debt			—						—						806						—
Card-related interchange income			3,980						3,985						11,646						11,637
Derivatives mark to market			95						2						184						(151)
Swap fee income			721						243						1,226						1,517
Other income			2,311						2,440						6,970						7,295
Total noninterest income			26,727						24,857						78,311						72,108
Noninterest Expense
Salaries and employee benefits			44,351						40,717						129,959						121,716
Net occupancy			5,311						5,110						15,893						15,733
Furniture and equipment			4,858						4,427						13,855						13,167
Data processing			4,416						4,260						12,751						12,162
Advertising and promotion			1,746						1,931						4,855						4,760
Pennsylvania shares tax			1,593						1,337						4,428						4,012
Intangible amortization			1,341						1,567						4,008						4,009
Other professional fees and services			1,653						1,843						4,409						5,366
FDIC insurance			1,802						1,653						4,538						4,582
Loss on sale or write-down of assets			911						87						1,564						373
Litigation and operational losses			457						582						2,090						1,845
Merger and acquisition related			84						165						307						4,229
Other operating			9,661						9,155						29,357						28,398
Total noninterest expense			78,184						72,834						228,014						220,352
Income Before Income Taxes			50,675						51,819						154,181						134,922
Income tax provision			5,732						10,491						27,101						27,496
Net Income			$	44,943					$	41,328					$	127,080					$	107,426
Average Shares Outstanding			99,740,919						104,383,217						101,008,960						103,202,885
Average Shares Outstanding Assuming Dilution			100,077,971						104,754,917						101,272,158						103,509,902
Per Share Data:
Basic Earnings per Share			$	0.45					$	0.40					$	1.26					$	1.04
Diluted Earnings per Share			$	0.45					$	0.39					$	1.25					$	1.04
Cash Dividends Declared per Common Share			$	0.140					$	0.135					$	0.415					$	0.400

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 Nine Months Ended
			September 30,												September 30,
			2026						2025						2026						2025
			(dollars in thousands)
Net Income			$	44,943					$	41,328					$	127,080					$	107,426
Other comprehensive (loss) income, before tax benefit (expense):
Unrealized holding (losses) gains on securities arising during the period			(35,926)						7,138						(44,398)						28,700
Reclassification adjustment for losses (gains) included in net income			(33)						(369)						(573)						4,773
Unrealized holding gains on derivatives arising during the period			246						2,006						1,526						8,674
Total other comprehensive (loss) income, before tax benefit (expense)			(35,713)						8,775						(43,445)						42,147
Income tax benefit (expense) related to items of other comprehensive (loss) income			7,503						(1,842)						9,126						(8,850)
Total other comprehensive (loss) income			(28,210)						6,933						(34,319)						33,297
Comprehensive Income			$	16,733					$	48,261					$	92,761					$	140,723

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																					127,080																								127,080
Other comprehensive loss																											(34,319)																		(34,319)
Cash dividends declared ($0.415 per share)																					(42,204)																								(42,204)
Treasury stock acquired			(6,218,703)												23																		(125,159)												(125,136)
Treasury stock reissued			212,078												368						—												2,234												2,602
Restricted stock			93,569						—						709						—												941												1,650
Balance at September 30, 2026			96,927,715						$	126,600					$	676,845					$	1,152,771					$	(98,919)					$	(373,248)											$	1,484,049

			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																					107,426																								107,426
Other comprehensive income																											33,297																		33,297
Cash dividends declared ($0.400 per share)																					(41,486)																								(41,486)
Treasury stock acquired			(774,325)																														(12,945)												(12,945)
Treasury stock reissued			190,547												993						—												1,879												2,872
Restricted stock			122,015						—						806						—												794												1,600
Common stock issuance			2,996,611						2,997						42,911																														45,908
Balance at September 30, 2025			104,293,298						$	126,600					$	676,077					$	1,037,022					$	(69,217)					$	(228,645)											$	1,541,837

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 June 30, 2026			101,101,529						$	126,600					$	676,845					$	1,121,960					$	(70,709)					$	(285,528)											$	1,569,168
Net income																					44,943																								44,943
Other comprehensive loss																											(28,210)																		(28,210)
Cash dividends declared ($0.140 per share)																					(14,132)																								(14,132)
Treasury stock acquired			(4,168,064)												—																		(88,285)												(88,285)
Restricted stock			(5,750)						—						—						—												565												565
Balance at September 30, 2026			96,927,715						$	126,600					$	676,845					$	1,152,771					$	(98,919)					$	(373,248)											$	1,484,049

			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 June 30, 2025			104,925,587						$	126,600					$	676,077					$	1,009,790					$	(76,150)					$	(218,550)											$	1,517,767
Net income																					41,328																								41,328
Other comprehensive income																											6,933																		6,933
Cash dividends declared ($0.135 per share)																					(14,096)																								(14,096)
Treasury stock acquired			(632,289)																														(10,630)												(10,630)
Restricted stock			—						—						—						—												535												535
Balance at September 30, 2025			104,293,298						$	126,600					$	676,077					$	1,037,022					$	(69,217)					$	(228,645)											$	1,541,837

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 Nine Months Ended
			September 30,
			2026						2025
Operating Activities			(dollars in thousands)
Net income			$	127,080					$	107,426
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for credit losses			33,852						29,720
Deferred tax expense			1,492						758
Depreciation and amortization			5,903						4,825
Net gains on securities and other assets			(12,225)						(9,625)
Net (accretion) amortization of premiums and discounts on securities			(270)						33
Gain on early redemption of subordinated debentures			(806)						—
Income from increase in cash surrender value of bank owned life insurance			(5,218)						(5,006)
Decrease (increase) in interest receivable			725						(998)
Mortgage loans originated for sale			(243,427)						(202,036)
Proceeds from sale of mortgage loans			250,877						211,595
Decrease in interest payable			(1,528)						(747)
Increase in income taxes payable			10,090						1,500
Purchase of transferrable tax credit			(49,937)						—
Other, net			(10,126)						(1,657)
Net cash provided by operating activities			106,482						135,788
Investing Activities
Transactions with securities held to maturity:
Proceeds from maturities and redemptions			63,330						53,187
Purchases			(99,787)						(127,860)
Transactions with securities available for sale:
Proceeds from sales			4,825						69,862
Proceeds from maturities and redemptions			210,878						180,754
Purchases			(248,466)						(111,514)
Proceeds from sale of equity securities			—						5,146
Purchases of FHLB stock			(32,804)						(51,501)
Proceeds from the redemption of FHLB stock			31,859						44,141
Proceeds from the redemption of other investments			550						—
Proceeds from bank owned life insurance			2,506						3,313
Proceeds from sale of loans			270,876						56,453
Proceeds from sale of other assets			6,873						4,785
Net cash received from business acquisition			(960)						4,672
Net increase in loans and leases			(94,947)						(492,080)
Purchases of premises and equipment and other assets			(12,658)						(13,927)
Net cash provided by (used in) investing activities			102,075						(374,569)
Financing Activities
Net increase in other short-term borrowings			19,706						66,918
Net increase in deposits			22,987						275,392
Repayments of other long-term debt			(129,555)						(20,881)
Long-term debt prepayment penalty			(511)						—
Repayments of capital lease obligation			(427)						(452)
Repayments of subordinated debentures			(5,999)						—
Dividends paid			(42,204)						(41,486)
Proceeds from reissuance of treasury stock			254						237
Purchase of treasury stock			(125,159)						(12,945)
Net cash (used in) provided by financing activities			(260,908)						266,783
Net (decrease) increase in cash and cash equivalents			(52,351)						28,002

The accompanying notes are an integral part of these unaudited consolidated financial statements.

8

Table of Contents

			For the Nine Months Ended
			September 30,
			2026						2025
Operating Activities			(dollars in thousands)
Cash and cash equivalents at January 1			180,362						133,409
Cash and cash equivalents at September 30			$	128,011					$	161,411

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 nine months ended September 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

Costs related to the acquisition totaled $4.6 million, of which $0.2 million were recognized in the nine months ended September 30, 2026. There were no costs recognized in the three months ended September 30, 2026. 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 Nine Months Ended September 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			$	(44,398)					$	9,332					$	(35,066)					$	28,700					$	(6,027)					$	22,673
Reclassification adjustment for (gains) losses on securities included in net income			(573)						120						(453)						4,773						(1,002)						3,771
Total unrealized (losses) gains on securities			(44,971)						9,452						(35,519)						33,473						(7,029)						26,444
Unrealized gains on derivatives:
Unrealized holding gains on derivatives arising during the period			1,526						(326)						1,200						8,674						(1,821)						6,853
Total unrealized gains on derivatives			1,526						(326)						1,200						8,674						(1,821)						6,853
Total other comprehensive (loss) income			$	(43,445)					$	9,126					$	(34,319)					$	42,147					$	(8,850)					$	33,297

			For the Three Months Ended September 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			$	(35,926)					$	7,547					$	(28,379)					$	7,138					$	(1,499)					$	5,639
Reclassification adjustment for gains on securities included in net income			(33)						6						(27)						(369)						78						(291)
Total unrealized (losses) gains on securities			(35,959)						7,553						(28,406)						6,769						(1,421)						5,348
Unrealized gains on derivatives:
Unrealized holding gains on derivatives arising during the period			246						(50)						196						2,006						(421)						1,585
Total unrealized gains on derivatives			246						(50)						196						2,006						(421)						1,585
Total other comprehensive (loss) income			$	(35,713)					$	7,503					$	(28,210)					$	8,775					$	(1,842)					$	6,933

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 nine months ended September 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			(35,066)			—			1,200			(33,866)						22,673			—			6,853			29,526
Amounts reclassified from accumulated other comprehensive (loss) income			(453)			—			—			(453)						3,771			—			—			3,771
Net other comprehensive (loss) income during the period			(35,519)			—			1,200			(34,319)						26,444			—			6,853			33,297
Balance at September 30			$	(99,900)		$	381		$	600		$	(98,919)					$	(67,959)		$	339		$	(1,597)		$	(69,217)

The following table details the change in components of OCI for the three months ended September 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 June 30			$	(71,494)		$	381		$	404		$	(70,709)					$	(73,307)		$	339		$	(3,182)		$	(76,150)
Other comprehensive (loss) income before reclassification adjustment			(28,379)			—			196			(28,183)						5,639			—			1,585			7,224
Amounts reclassified from accumulated other comprehensive (loss) income			(27)			—			—			(27)						(291)			—			—			(291)
Net other comprehensive (loss) income during the period			(28,406)			—			196			(28,210)						5,348			—			1,585			6,933
Balance at September 30			$	(99,900)		$	381		$	600		$	(98,919)					$	(67,959)		$	339		$	(1,597)		$	(69,217)

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 nine months ended September 30:

			2026						2025
			(dollars in thousands)
Cash paid during the period for:
Interest			$	142,622					$	156,526
Income taxes			14,561						17,445
Non-cash investing and financing activities:
Loans transferred to other real estate owned and repossessed assets			10,059						4,717
Loans transferred from held to maturity to held for sale			47,569						75,414
Loans transferred from held for sale to held to maturity			(26,440)						(5,033)
Gross (decrease) increase in market value adjustment to securities available for sale			(44,971)						33,473
Gross increase in market value adjustment to derivatives			1,526						8,674
Noncash treasury stock reissuance			2,348						2,339
Excise tax on treasury stock repurchased			(23)						—
Net assets acquired through acquisition			—						27,035
Proceeds from death benefit on bank owned life insurance not received			223						199

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 September 30,												For the Nine Months Ended September 30,
			2026						2025						2026						2025
Weighted average common shares issued			126,599,991						126,599,991						126,599,991						125,282,799
Average treasury stock shares			(26,613,082)						(21,923,199)						(25,335,064)						(21,775,771)
Average deferred compensation shares			(56,583)						(56,625)						(56,677)						(56,583)
Average unearned non-vested shares			(189,407)						(236,950)						(199,290)						(247,560)
Weighted average common shares and common stock equivalents used to calculate basic earnings per share			99,740,919						104,383,217						101,008,960						103,202,885
Additional common stock equivalents (non-vested stock) used to calculate diluted earnings per share			280,435						315,037						206,581						250,354
Additional common stock equivalents (deferred compensation) used to calculate diluted earnings per share			56,617						56,663						56,617						56,663
Weighted average common shares and common stock equivalents used to calculate diluted earnings per share			100,077,971						104,754,917						101,272,158						103,509,902
Per Share Data:
Basic Earnings per Share			$	0.45					$	0.40					$	1.26					$	1.04
Diluted Earnings per Share			$	0.45					$	0.39					$	1.25					$	1.04

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 nine months ended September 30, because to do so would have been antidilutive.

			2026																		2025
									Price Range																		Price Range
			Shares						From						To						Shares						From						To
Restricted Stock			135,816						$	13.02					$	18.64					201,199						$	12.39					$	18.62
Restricted Stock Units			—						$	—					$	—					—						$	—					$	—

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 or payment 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:

			September 30, 2026						December 31, 2025
			(dollars in thousands)
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit			$	2,512,478					$	2,425,873
Financial standby letters of credit			12,917						14,371
Performance standby letters of credit			11,375						16,620
Commercial letters of credit			458						569

16

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The commitment amounts outstanding as of September 30, 2026 include amounts issued in 2026 of $1.0 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 September 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 $10.1 million and $8.2 million as of September 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 September 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:

			September 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			$	2,353					$	2					$	(286)					$	2,069					$	2,638					$	23					$	(165)					$	2,496
Mortgage-Backed Securities – Commercial			654,312						75						(68,390)						585,997						701,572						3,788						(43,671)						661,689
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			427,723						109						(56,975)						370,857						336,493						1,087						(42,057)						295,523
Other Government-Sponsored Enterprises			—						—						—						—						1,000						—						(16)						984
Obligations of States and Political Subdivisions			7,560						—						(849)						6,711						7,560						1						(590)						6,971
Corporate Securities			38,109						310						(1,005)						37,414						46,969						782						(1,220)						46,531
Total Debt Securities Available for Sale			$	1,130,057					$	496					$	(127,505)					$	1,003,048					$	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 (typically less than 5 years) 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 September 30, 2026, by contractual maturity, are shown below.

			Amortized Cost						Estimated Fair Value
			(dollars in thousands)
Due within 1 year			$	—					$	—
Due after 1 but within 5 years			20,622						19,479
Due after 5 but within 10 years			22,047						21,638
Due after 10 years			3,000						3,008
			45,669						44,125
Mortgage-Backed Securities (a)			1,084,388						958,923
Total Debt Securities			$	1,130,057					$	1,003,048

(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 $656.7 million and a fair value of $588.1 million for Obligations of U.S. Government agencies issued by Ginnie Mae and an amortized cost of $427.7 million and a fair value of $370.9 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 nine months ended September 30:

			2026						2025
			(dollars in thousands)
Proceeds from sales			$	4,825					$	69,862
Gross gains (losses) realized:
Sales transactions:
Gross gains			$	—					$	—
Gross losses			(6)						(5,142)
			(6)						(5,142)
Maturities
Gross gains			579						369
Gross losses			—						—
			579						369
Net gains (losses)			$	573					$	(4,773)

For the nine months ended September 30, 2026, losses from sales transactions in the above table relate to the sale of one corporate security and gains from maturities are a result of the call of three corporate securities.

For the nine months ended September 30, 2025, $48.5 million 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 $609.2 million and $624.0 million were pledged as of September 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:

			September 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			$	1,289					$	—					$	(223)					$	1,066					$	1,379					$	—					$	(144)					$	1,235
Mortgage-Backed Securities- Commercial			143,192						—						(17,889)						125,303						163,625						606						(12,320)						151,911
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			365,915						—						(46,255)						319,660						307,676						485						(33,395)						274,766
Other Government-Sponsored Enterprises			23,450						—						(3,563)						19,887						23,199						—						(2,735)						20,464
Obligations of States and Political Subdivisions			21,214						—						(1,871)						19,343						22,743						—						(1,250)						21,493
Debt Securities Issued by Foreign Governments			600						—						(3)						597						800						—						(4)						796
Total Debt Securities Held to Maturity			$	555,660					$	—					$	(69,804)					$	485,856					$	519,422					$	1,091					$	(49,848)					$	470,665

The amortized cost and estimated fair value of debt securities held to maturity at September 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			$	2,360					$	2,336
Due after 1 but within 5 years			39,410						34,596
Due after 5 but within 10 years			2,930						2,485
Due after 10 years			564						410
			45,264						39,827
Mortgage-Backed Securities (a)			510,396						446,029
Total Debt Securities			$	555,660					$	485,856

(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 $144.5 million and a fair value of $126.4 million for Obligations of U.S. Government agencies issued by Ginnie Mae and an amortized cost of $365.9 million and a fair value of $319.7 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 $406.6 million and $349.2 million were pledged as of September 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 September 30, 2026 and December 31, 2025, our FHLB stock totaled $33.5 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 nine months ended September 30, 2026.

At September 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 nine-months ended September 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 September 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			$	330					$	(4)								$	2,436					$	(505)								$	2,766					$	(509)
Mortgage-Backed Securities – Commercial			466,736						(19,774)									221,430						(66,505)									688,166						(86,279)
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities – Residential			294,350						(12,098)									381,454						(91,132)									675,804						(103,230)
Other Government-Sponsored Enterprises			—						—									19,887						(3,563)									19,887						(3,563)
Obligations of States and Political Subdivisions			2,472						(88)									22,657						(2,632)									25,129						(2,720)
Debt Securities Issued by Foreign Governments			399						(1)									198						(2)									597						(3)
Corporate Securities			7,338						(162)									13,158						(843)									20,496						(1,005)
Total Securities			$	771,625					$	(32,127)								$	661,220					$	(165,182)								$	1,432,845					$	(197,309)

21

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

At September 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 September 30, 2026, there are 230 debt securities in the portfolio, with 194 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 September 30, 2026, our corporate securities had an amortized cost and an estimated fair value of $38.1 million and $37.4 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 5 corporate securities out of a total of 9 that were in an unrealized loss position at September 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 nine months ended September 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 Unaudited Consolidated Statements of Financial Condition net of deferred fees and costs, and discounts related to purchased loans. Net deferred fees were $25.4 million and $21.2 million as of September 30, 2026 and December 31, 2025, respectively, and discounts on purchased loans from acquisitions were $16.3 million and $20.2 million as of September 30, 2026 and December 31, 2025, respectively. The following table provides outstanding balances related to each of our loan types:

 

															September 30, 2026																		December 31, 2025
															(dollars in thousands)
Commercial, financial, agricultural and other															$	2,122,664																	$	2,044,989
Time and demand															1,159,189																		1,226,054
Commercial credit cards															11,562																		11,408
Equipment finance															827,547																		693,265
Time and demand other															124,366																		114,262
Real estate construction															497,670																		462,786
Construction other															465,766																		415,536
Construction residential															31,904																		47,250
Residential real estate															2,391,525																		2,360,285
Residential first lien															1,606,946																		1,631,019
Residential junior lien/home equity															784,579																		729,266
Commercial real estate															3,043,642																		3,182,109
Multifamily															671,329																		594,790
Non-owner occupied															1,600,219																		1,834,016
Owner occupied															772,094																		753,303
Loans to individuals															1,482,184																		1,457,870
Automobile and recreational vehicles															1,416,187																		1,387,195
Consumer credit cards															8,769																		9,496
Consumer other															57,228																		61,179
Total loans and leases															$	9,537,685																	$	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

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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 within 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 is 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 provides 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 repayment is more directly dependent on the operating performance of the business occupying the property. 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

24

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

recognized firm. Our model incorporates a one-year forecast of macroeconomic factors, after which the factors revert back to 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 4.14%, and during the one-year forecast period it was projected to average 5.10%, with a peak of 5.47%.

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)

			September 30, 2026
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	2,007,368					$	45,539					$	69,757					$	—					$	—					$	115,296					$	2,122,664
Time and demand			1,055,256						41,597						62,336						—						—						103,933						1,159,189
Commercial credit cards			11,562						—						—						—						—						—						11,562
Equipment finance			816,184						3,942						7,421						—						—						11,363						827,547
Time and demand other			124,366						—						—						—						—						—						124,366
Real estate construction			495,449						409						1,812						—						—						2,221						497,670
Construction other			464,324						409						1,033						—						—						1,442						465,766
Construction residential			31,125						—						779						—						—						779						31,904
Residential real estate			2,373,600						2,126						15,799						—						—						17,925						2,391,525
Residential first lien			1,593,980						2,126						10,840						—						—						12,966						1,606,946
Residential junior lien/home equity			779,620						—						4,959						—						—						4,959						784,579
Commercial real estate			2,891,071						65,359						87,212						—						—						152,571						3,043,642
Multifamily			648,423						11,692						11,214						—						—						22,906						671,329
Non-owner occupied			1,522,563						35,966						41,690						—						—						77,656						1,600,219
Owner occupied			720,085						17,701						34,308						—						—						52,009						772,094
Loans to individuals			1,482,178						—						6						—						—						6						1,482,184
Automobile and recreational vehicles			1,416,183						—						4						—						—						4						1,416,187
Consumer credit cards			8,769						—						—						—						—						—						8,769
Consumer other			57,226						—						2						—						—						2						57,228
Total loans and leases			$	9,249,666					$	113,433					$	174,586					$	—					$	—					$	288,019					$	9,537,685

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:

			September 30, 2026
			Term Loans																																				Revolving Loans
			2026						2025						2024						2023						2022						Prior												Total
			(dollars in thousands)
Time and demand			$	115,210					$	122,579					$	118,417					$	78,617					$	59,008					$	93,056					$	572,302					$	1,159,189
Pass			115,210						109,173						101,100						75,752						55,563						78,095						520,363						1,055,256
OAEM			—						6,529						3,541						536						1,685						2,544						26,762						41,597
Substandard			—						6,877						13,776						2,329						1,760						12,417						25,177						62,336
Gross charge-offs			—						(440)						(883)						(489)						(745)						(1,359)						(5,787)						(9,703)
Gross recoveries			—						1						15						28						137						367						286						834
Commercial credit cards			—						—						—						—						—						—						11,562						11,562
Pass			—						—						—						—						—						—						11,562						11,562
Gross charge-offs			—						—						—						—						—						—						(358)						(358)
Gross recoveries			—						—						—						—						—						—						6						6
Equipment finance			294,325						313,321						144,830						61,425						13,646						—						—						827,547
Pass			294,280						308,410						141,528						59,301						12,665						—						—						816,184
OAEM			—						2,050						728						784						380						—						—						3,942
Substandard			45						2,861						2,574						1,340						601						—						—						7,421
Gross charge-offs			(21)						(1,826)						(1,798)						(610)						(236)						—						—						(4,491)
Gross recoveries			—						27						136						48						127						—						—						338

27

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			September 30, 2026
			Term Loans																																				Revolving Loans
			2026						2025						2024						2023						2022						Prior												Total
			(dollars in thousands)
Time and demand other			22,123						8,576						9,525						14,855						5,515						58,179						5,593						124,366
Pass			22,123						8,576						9,525						14,855						5,515						58,179						5,593						124,366
Gross charge-offs			—						—						—						—						—						—						(1,384)						(1,384)
Gross recoveries			—						—						—						—						—						—						148						148
Construction other			84,001						225,424						88,339						49,984						239						13,131						4,648						465,766
Pass			84,001						225,424						88,339						49,744						70						12,098						4,648						464,324
OAEM			—						—						—						240						169						—						—						409
Substandard			—						—						—						—						—						1,033						—						1,033
Gross charge-offs			—						—						—						—						—						(326)						—						(326)
Gross recoveries			—						—						—						—						—						—						—						—
Construction residential			14,232						10,416						2,619						1,344						2,491						800						2						31,904
Pass			14,232						10,416						2,619						1,344						1,712						800						2						31,125
Substandard			—						—						—						—						779						—						—						779
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			92,170						87,079						51,737						139,106						314,674						919,595						2,585						1,606,946
Pass			92,145						87,070						50,921						136,445						311,288						913,584						2,527						1,593,980
OAEM			—						—						583						56						—						1,429						58						2,126
Substandard			25						9						233						2,605						3,386						4,582						—						10,840
Gross charge-offs			—						—						—						(73)						(320)						(86)						—						(479)
Gross recoveries			—						—						—						—						—						51						—						51
Residential junior lien/home equity			42,524						45,745						14,845						37,806						39,642						31,021						572,996						784,579
Pass			42,524						45,745						14,845						37,635						39,538						30,830						568,503						779,620
Substandard			—						—						—						171						104						191						4,493						4,959
Gross charge-offs			—						—						—						—						—						—						(45)						(45)
Gross recoveries			—						—						—						—						—						10						33						43
Multifamily			39,016						32,702						59,720						158,791						165,541						214,047						1,512						671,329
Pass			39,016						32,702						56,426						157,536						152,795						208,436						1,512						648,423
OAEM			—						—						3,294						1,255						1,542						5,601						—						11,692
Substandard			—						—						—						—						11,204						10						—						11,214
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			137,000						199,542						87,459						148,293						328,932						682,891						16,102						1,600,219
Pass			137,000						199,542						87,171						146,582						315,405						627,481						9,382						1,522,563
OAEM			—						—						288						718						12,020						22,440						500						35,966
Substandard			—						—						—						993						1,507						32,970						6,220						41,690
Gross charge-offs			—						—						—						—						—						(3,568)						—						(3,568)
Gross recoveries			—						—						—						—						—						211						—						211
Owner occupied			61,301						130,276						80,508						97,540						116,183						268,595						17,691						772,094
Pass			61,301						129,706						68,888						92,656						106,409						245,948						15,177						720,085
OAEM			—						—						600						1,803						5,174						10,008						116						17,701
Substandard			—						570						11,020						3,081						4,600						12,639						2,398						34,308
Gross charge-offs			—						—						(658)						—						(36)						—						(258)						(952)
Gross recoveries			—						—						—						28						172						53						—						253
Automobile and recreational vehicles			407,069						423,860						211,606						155,002						133,274						85,376						—						1,416,187
Pass			407,069						423,860						211,606						155,002						133,274						85,372						—						1,416,183
Substandard			—						—						—						—						—						4						—						4
Gross charge-offs			(109)						(1,426)						(1,471)						(1,258)						(1,158)						(599)						—						(6,021)

28

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

			September 30, 2026
			Term Loans																																				Revolving Loans
			2026						2025						2024						2023						2022						Prior												Total
			(dollars in thousands)
Gross recoveries			29						321						592						486						489						369						—						2,286
Consumer credit cards			—						—						—						—						—						—						8,769						8,769
Pass			—						—						—						—						—						—						8,769						8,769
Gross charge-offs			—						—						—						—						—						—						(282)						(282)
Gross recoveries			—						—						—						—						—						—						43						43
Consumer other			5,510						4,601						3,176						1,309						492						8,507						33,633						57,228
Pass			5,510						4,601						3,176						1,309						492						8,507						33,631						57,226
Substandard			—						—						—						—						—						—						2						2
Gross charge-offs			—						(122)						(65)						(55)						(12)						(65)						(653)						(972)
Gross recoveries			—						—						4						26						13						54						88						185
Total loans and leases			$	1,314,481					$	1,604,121					$	872,781					$	944,072					$	1,179,637					$	2,375,198					$	1,247,395					$	9,537,685
Total charge-offs			$	(130)					$	(3,814)					$	(4,875)					$	(2,485)					$	(2,507)					$	(6,003)					$	(8,767)					$	(28,581)
Total recoveries			$	29					$	349					$	747					$	616					$	938					$	1,115					$	604					$	4,398

			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

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 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
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 nine months ended September 30, 2026 and 2025 were $24.2 million and $18.1 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 September 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.

			September 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			$	2,297					$	949					$	3,324					$	42,026					$	48,596					$	2,074,068					$	2,122,664
Time and demand			671						18						3,324						39,393						43,406						1,115,783						1,159,189
Commercial credit cards			37						10						—						—						47						11,515						11,562
Equipment finance			1,587						921						—						2,633						5,141						822,406						827,547
Time and demand other			2						—						—						—						2						124,364						124,366
Real estate construction			—						—						—						1,810						1,810						495,860						497,670
Construction other			—						—						—						1,031						1,031						464,735						465,766
Construction residential			—						—						—						779						779						31,125						31,904
Residential real estate			8,796						3,305						3,185						15,737						31,023						2,360,502						2,391,525
Residential first lien			6,430						1,850						1,696						10,778						20,754						1,586,192						1,606,946
Residential junior lien/home equity			2,366						1,455						1,489						4,959						10,269						774,310						784,579
Commercial real estate			5,345						6,169						6,595						35,662						53,771						2,989,871						3,043,642
Multifamily			47						—						—						10,846						10,893						660,436						671,329
Non-owner occupied			41						6,169						6,595						10,822						23,627						1,576,592						1,600,219
Owner occupied			5,257						—						—						13,994						19,251						752,843						772,094
Loans to individuals			7,027						1,445						304						5						8,781						1,473,403						1,482,184
Automobile and recreational vehicles			6,525						1,264						150						3						7,942						1,408,245						1,416,187
Consumer credit cards			49						36						—						—						85						8,684						8,769
Consumer other			453						145						154						2						754						56,474						57,228
Total loans and leases			$	23,465					$	11,868					$	13,408					$	95,240					$	143,981					$	9,393,704					$	9,537,685

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 portfolio 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 $18.4 million at September 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 September 30, 2026 and December 31, 2025, there were no nonperforming loans held for sale. During both the nine months ended September 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 September 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)

			September 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			$	19,509					$	29,877											$	22,422					$	31,583
Time and demand			17,157						27,525												21,092						30,253
Equipment finance			2,352						2,352												1,330						1,330
Time and demand other			—						—												—						—
Real estate construction			1,031						1,030												1,475						1,475
Construction other			1,031						1,030												1,475						1,475
Construction residential			—						—												—						—
Residential real estate			15,447						17,426												11,874						13,678
Residential first lien			10,488						11,513												7,219						8,148
Residential junior lien/home equity			4,959						5,913												4,655						5,530
Commercial real estate			13,884						21,535												17,853						23,807
Multifamily			10						12												10						12
Non-owner occupied			5,663						11,266												8,799						12,879
Owner occupied			8,211						10,257												9,044						10,916
Loans to individuals			5						27												32						78
Automobile and recreational vehicles			3						25												30						62
Consumer other			2						2												2						16
Subtotal			49,876						69,895												53,656						70,621
With a specific allowance recorded:
Commercial, financial, agricultural and other			22,517						22,396						$	7,176					24,196						34,249						$	6,959
Time and demand			22,236						22,115						7,050						24,196						34,249						6,959
Equipment finance			281						281						126						—						—						—
Time and demand other			—						—						—						—						—						—
Real estate construction			779						784						23						—						—						—
Construction other			—						—						—						—						—						—
Construction residential			779						784						23						—						—						—
Residential real estate			290						290						35						1,145						1,160						162
Residential first lien			290						290						35						1,145						1,160						162
Residential junior lien/home equity			—						—						—						—						—						—
Commercial real estate			21,778						21,804						9,755						12,759						12,871						2,715
Multifamily			10,836						10,838						4,681						—						—						—
Non-owner occupied			5,159						5,163						2,782						5,357						5,357						2,280
Owner occupied			5,783						5,803						2,292						7,402						7,514						435
Loans to individuals			—						—						—						—						—						—
Automobile and recreational vehicles			—						—						—						—						—						—
Consumer other			—						—						—						—						—						—
Subtotal			45,364						45,274						16,989						38,100						48,280						9,836
Total			$	95,240					$	115,169					$	16,989					$	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 Nine Months Ended September 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															$	31,447					$	38																	$	9,795					$	89
Time and demand															29,088						38																		8,896						89
Equipment finance															2,359						—																		899						—
Time and demand other															—						—																		—						—
Real estate construction															545						—																		2,156						106
Construction other															545						—																		1,801						106
Construction residential															—						—																		355						—
Residential real estate															14,307						104																		9,619						88
Residential first lien															9,487						101																		6,763						75
Residential junior lien/home equity															4,820						3																		2,856						13
Commercial real estate															19,731						443																		21,696						252
Multifamily															10						—																		331						—
Non-owner occupied															8,540						390																		13,947						188
Owner occupied															11,181						53																		7,418						64
Loans to individuals															13						2																		183						2
Automobile and recreational vehicles															8						2																		156						2
Consumer other															5						—																		27						—
Subtotal															66,043						587																		43,449						537
With a specific allowance recorded:
Commercial, financial, agricultural and other															9,780						—																		24,223						2
Time and demand															9,749						—																		24,223						2
Equipment finance															31						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															174						—																		—						—
Construction other															—						—																		—						—
Construction residential															174						—																		—						—
Residential real estate															290						—																		2,777						—
Residential first lien															290						—																		1,181						—
Residential junior lien/home equity															—						—																		1,596						—
Commercial real estate															9,756						—																		6,639						—
Multifamily															8,541						—																		—						—
Non-owner occupied															573						—																		2,656						—
Owner occupied															642						—																		3,983						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															20,000						—																		33,639						2
Total															$	86,043					$	587																	$	77,088					$	539

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 September 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															$	22,174					$	25																	$	9,452					$	10
Time and demand															19,429						25																		8,450						10
Equipment finance															2,745						—																		1,002						—
Time and demand other															—						—																		—						—
Real estate construction															650						—																		2,570						—
Construction other															650						—																		1,861						—
Construction residential															—						—																		709						—
Residential real estate															15,222						38																		9,574						46
Residential first lien															10,346						37																		6,687						46
Residential junior lien/home equity															4,876						1																		2,887						—
Commercial real estate															14,387						—																		21,510						24
Multifamily															10						—																		640						—
Non-owner occupied															6,147						—																		13,122						4
Owner occupied															8,230						—																		7,748						20
Loans to individuals															5						1																		25						1
Automobile and recreational vehicles															3						1																		23						1
Consumer other															2						—																		2						—
Subtotal															52,438						64																		43,131						81
With a specific allowance recorded:
Commercial, financial, agricultural and other															14,970						—																		37,510						2
Time and demand															14,876						—																		37,510						2
Equipment finance															94						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															521						—																		—						—
Construction other															—						—																		—						—
Construction residential															521						—																		—						—
Residential real estate															290						—																		2,840						—
Residential first lien															290						—																		1,249						—
Residential junior lien/home equity															—						—																		1,591						—
Commercial real estate															14,484						—																		8,270						—
Multifamily															10,836						—																		—						—
Non-owner occupied															1,720						—																		2,656						—
Owner occupied															1,928						—																		5,614						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															30,265						—																		48,620						2
Total															$	82,703					$	64																	$	91,751					$	83

Unfunded commitments related to nonperforming loans were $3.2 million and $0.2 million at September 30, 2026 and December 31, 2025, respectively. After consideration of the requirements to draw and available collateral related to these

36

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

commitments, it was determined that no reserve was required for these commitments at September 30, 2026 and December 31, 2025.

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 Nine Months Ended September 30, 2026
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Term Extension						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	—					$	993					$	—					$	57					$	1,050					0.05		%
Time and demand			—						—						—						993						—						—						993						0.09
Equipment finance			—						—						—						—						—						57						57						0.01
Residential real estate			—						—						—						386						—						—						386						0.02
Residential first lien			—						—						—						386						—						—						386						0.02
Commercial real estate			—						18,524						—						—						12,840						—						31,364						1.03
Multifamily			—						10,836						—						—						—						—						10,836						1.61
Non-owner occupied			—						7,688						—						—						12,840						—						20,528						1.28
Total			$	—					$	18,524					$	—					$	1,379					$	12,840					$	57					$	32,800					0.34		%

			For the Nine Months Ended September 30, 2025
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Term Extension						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	16,015					$	309					$	—					$	—					$	16,324					0.81		%
Time and demand			—						—						16,015						—						—						—						16,015						1.28
Equipment finance			—						—						—						309						—						—						309						0.05
Residential real estate			—						—						25						1,059						—						—						1,084						0.05
Residential first lien			—						—						—						1,038						—						—						1,038						0.06
Residential junior lien/home equity			—						—						25						21						—						—						46						0.01
Commercial real estate			—						6,207						—						—						3,201						—						9,408						0.28
Non-owner occupied			—						6,207						—						—						3,201						—						9,408						0.48
Total			$	—					$	6,207					$	16,040					$	1,368					$	3,201					$	—					$	26,816					0.28		%

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 September 30, 2026
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction and Term Extension						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	—					$	—					$	—					$	57					$	57					—		%
Equipment finance			—						—						—						—						57						57						0.01
Residential real estate			—						—						—						303						—						303						0.01
Residential first lien			—						—						—						303						—						303						0.02
Total			$	—					$	—					$	—					$	303					$	57					$	360					—		%

			For the Three Months Ended September 30, 2025
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction and Term Extension						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Residential real estate			$	—					$	—					$	—					$	345					$	—					$	345					0.01		%
Residential first lien			—						—						—						345						—						345						0.02
Residential junior lien/home equity			—						—						—						—						—						—						—		%
Commercial real estate			—						6,207						—						—						—						6,207						0.18
Non-owner occupied			—						6,207						—						—						—						6,207						0.32
Total loans and leases			$	—					$	6,207					$	—					$	345					$	—					$	6,552					0.07		%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

			For the Nine Months Ended September 30, 2026
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			5.80		%				0.5						$	—					0.3
Time and demand			—						0.3						—						0.3
Equipment finance			5.80						2.8						—						0.0
Residential real estate			—						2.2						—						0.6
Residential first lien			—						2.2						—						0.6
Commercial real estate			2.50						0.7						—						0.3
Multifamily			—						0.4						—						0.0
Non-owner occupied			2.50						0.8						—						0.3
Total			2.51		%				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 Nine Months Ended September 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			—						2.5						—						1.1
Residential first lien			—						2.5						—						1.1
Residential junior lien/home equity			—						2.1						—						0.5
Commercial real estate			4.00						0.8						—						0.1
Non-owner occupied			4.00						0.8						—						0.1
Total			4.00		%				1.0						$	—					0.5

			For the Three Months Ended September 30, 2026
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			5.80		%				2.8						$	—					0.0
Equipment finance			5.80						2.8						—						0.0
Residential real estate			—		%				2.5						—						0.6
Residential first lien			—						2.5						—						0.6
Total			5.80		%				2.6						$	—					0.6

			For the Three Months Ended September 30, 2025
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Residential real estate			—		%				1.5						$	—					0.7
Residential first lien			—						1.5						—						0.7
Commercial real estate			—						1.0						—						0.0
Non-owner occupied			—						1.0						—						0.0
Total			—		%				1.0						$	—					0.7

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.

			September 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			—						—						2						321
Residential first lien			—						—						2						321
Commercial real estate			2						17,431						—						—
Multifamily			1						10,836						—						—
Non-owner occupied			1						6,595						—						—
Total loans and leases			2						$	17,431					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:

			September 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			$	921					$	—					$	993					$	—					$	1,914
Time and demand			864						—						993						—						1,857
Equipment finance			57						—						—						—						57
Residential real estate			303						133						83						—						519
Residential first lien			303						133						83						—						519
Commercial real estate			13,933						—						—						17,431						31,364
Multifamily			—						—						—						10,836						10,836
Non-owner occupied			13,933						—						—						6,595						20,528
Total loans and leases			$	15,157					$	133					$	1,076					$	17,431					$	33,797

			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 Nine Months Ended September 30, 2026
			Beginning balance																		Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	38,149																	$	(15,936)					$	1,326					$	17,875					$	41,414
Time and demand			22,223																		(9,703)						834						11,379						24,733
Commercial credit cards			177																		(358)						6						368						193
Equipment finance			14,138																		(4,491)						338						4,741						14,726
Time and demand other			1,611																		(1,384)						148						1,387						1,762
Real estate construction			7,808																		(326)						—						3,341						10,823
Construction other			7,118																		(326)						—						3,365						10,157
Construction residential			690																		—						—						(24)						666
Residential real estate			21,629																		(524)						94						649						21,848
Residential first lien			15,056																		(479)						51						1,233						15,861
Residential junior lien/home equity			6,573																		(45)						43						(584)						5,987
Commercial real estate			40,271																		(4,520)						464						6,216						42,431
Multifamily			5,528																		—						—						4,706						10,234
Non-owner occupied			24,865																		(3,568)						211						235						21,743
Owner occupied			9,878																		(952)						253						1,275						10,454
Loans to individuals			17,911																		(7,275)						2,514						3,859						17,009
Automobile and recreational vehicles			14,962																		(6,021)						2,286						2,924						14,151
Consumer credit cards			473																		(282)						43						125						359
Consumer other			2,476																		(972)						185						810						2,499
Total loans and leases			$	125,768																	$	(28,581)					$	4,398					$	31,940					$	133,525

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 Nine Months Ended September 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					$	(12,840)					$	4,858					$	17,532					$	40,297
Time and demand			19,433						1,616						(9,871)						4,102						10,491						25,771
Commercial credit cards			182						—						(183)						25						249						273
Equipment finance			7,844						—						(1,635)						550						5,991						12,750
Time and demand other			1,672						—						(1,151)						181						801						1,503
Real estate construction			6,030						810						(829)						—						1,885						7,896
Construction other			5,916						182						(267)						—						1,457						7,288
Construction residential			114						628						(562)						—						428						608
Residential real estate			22,396						45						(351)						202						(856)						21,436
Residential first lien			15,758						38						(221)						55						(823)						14,807
Residential junior lien/home equity			6,638						7						(130)						147						(33)						6,629
Commercial real estate			40,232						1,087						(5,137)						205						5,872						42,259
Multifamily			5,431						120						(461)						—						1,099						6,189
Non-owner occupied			23,332						943						(3,463)						142						4,610						25,564
Owner occupied			11,469						24						(1,213)						63						163						10,506
Loans to individuals			21,117						2						(6,856)						2,645						809						17,717
Automobile and recreational vehicles			18,693						1						(5,293)						2,296						(988)						14,709
Consumer credit cards			341						—						(253)						65						321						474
Consumer other			2,083						1						(1,310)						284						1,476						2,534
Total loans and leases			$	118,906					$	3,560					$	(26,013)					$	7,910					$	25,242					$	129,605

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 September 30, 2026
			Beginning balance												Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	40,545											$	(3,658)					$	494					$	4,033					$	41,414
Time and demand			22,666												(1,643)						415						3,295						24,733
Commercial credit cards			187												(81)						3						84						193
Equipment finance			15,262												(1,599)						36						1,027						14,726
Time and demand other			2,430												(335)						40						(373)						1,762
Real estate construction			8,285												—						—						2,538						10,823
Construction other			7,701												—						—						2,456						10,157
Construction residential			584												—						—						82						666
Residential real estate			22,266												(65)						21						(374)						21,848
Residential first lien			15,466												(65)						12						448						15,861
Residential junior lien/home equity			6,800												—						9						(822)						5,987
Commercial real estate			38,453												—						211						3,767						42,431
Multifamily			7,249												—						—						2,985						10,234
Non-owner occupied			20,863												—						202						678						21,743
Owner occupied			10,341												—						9						104						10,454
Loans to individuals			17,876												(2,461)						877						717						17,009
Automobile and recreational vehicles			15,078												(2,101)						797						377						14,151
Consumer credit cards			433												(80)						12						(6)						359
Consumer other			2,365												(280)						68						346						2,499
Total loans and leases			$	127,425											$	(6,184)					$	1,603					$	10,681					$	133,525

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 September 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			$	38,552					$	—					$	(7,418)					$	491					$	8,672					$	40,297
Time and demand			26,467						—						(6,532)						300						5,536						25,771
Commercial credit cards			213						—						(59)						3						116						273
Equipment finance			9,387						—						(509)						128						3,744						12,750
Time and demand other			2,485						—						(318)						60						(724)						1,503
Real estate construction			7,536						(294)						(829)						—						1,483						7,896
Construction other			6,518						(188)						(267)						—						1,225						7,288
Construction residential			1,018						(106)						(562)						—						258						608
Residential real estate			23,768						(262)						(125)						19						(1,964)						21,436
Residential first lien			16,672						(262)						(113)						13						(1,503)						14,807
Residential junior lien/home equity			7,096						—						(12)						6						(461)						6,629
Commercial real estate			40,846						—						(3,049)						38						4,424						42,259
Multifamily			5,439						—						(461)						—						1,211						6,189
Non-owner occupied			22,906						—						(2,588)						27						5,219						25,564
Owner occupied			12,501						—						—						11						(2,006)						10,506
Loans to individuals			22,264						—						(2,156)						782						(3,173)						17,717
Automobile and recreational vehicles			20,183						—						(1,743)						668						(4,399)						14,709
Consumer credit cards			338						—						(84)						17						203						474
Consumer other			1,743						—						(329)						97						1,023						2,534
Total loans and leases			$	132,966					$	(556)					$	(13,577)					$	1,330					$	9,442					$	129,605

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.

															September 30, 2026			December 31, 2025
Balance sheet:															(dollars in thousands)
Operating lease asset classified as premises and equipment															$	43,058		$	38,170
Operating lease liability classified as other liabilities															47,535			42,627
						For the Three Months Ended									For the Nine Months Ended
						September 30, 2026			September 30, 2025						September 30, 2026			September 30, 2025
Income statement:						(dollars in thousands)
Operating lease cost classified as occupancy and equipment expense						$	1,436		$	1,467					$	4,165		$	4,265
Weighted average lease term, in years															10.64			12.44
Weighted average discount rate															4.16		%	3.88		%
Operating cash flows															$	4,225		$	4,276

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.

The increase in the ROU asset and lease liability during the nine months ended September 30, 2026, is primarily due to the remeasurement and reclassification of a sale leaseback contract. During the quarter ended September 30, 2026, the Company entered into an amendment extending the lease term of a property subject to a sale-leaseback arrangement. As a result of the modification, the lease liability and right-of-use asset were remeasured, and the lease classification was reassessed. The modification did not affect the Company's conclusion that the original transfer qualified as a sale under ASC 842. The lease liability was previously carried as a Capital Lease Obligation in the unaudited Consolidated Statements of Condition.

Future minimum payments for operating leases with initial or remaining terms of one year or more as of September 30, 2026 were as follows (dollars in thousands):

For the twelve months ended:
September 30, 2027						$	6,334
September 30, 2028						6,146
September 30, 2029						6,061
September 30, 2030						5,716
September 30, 2031						5,432
Thereafter						29,548
Total future minimum lease payments						59,237
Less remaining imputed interest						11,702
Operating lease liability						$	47,535

45

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 10 Income Taxes

In accordance with FASB ASC Topic 740-10, “Accounting for Uncertainty in Income Taxes,” at September 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.

The Company estimates the annual effective income tax rate for 2026 to be 20.2%. This rate excludes the impact of discrete items such as the purchase of tax credits that will be carried back to prior years. During the third quarter of 2026, the company purchased $54.7 million in eligible tax credits that will be carried back to 2025 and prior tax years, resulting in a decrease in the three and nine months 2026 income tax expense of $4.7 million.

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.

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

46

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

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 September 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 these derivatives 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.”

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 nine months ended September 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 recurring Level 3 fair value measurements that require quantitative inputs and assumptions.

47

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The tables below present the balances of assets and liabilities measured at fair value on a recurring basis:

			September 30, 2026
			Level 1						Level 2						Level 3						Total
			(dollars in thousands)
Obligations of U.S. Government Agencies:
Mortgage-Backed Securities - Residential			$	—					$	2,069					$	—					$	2,069
Mortgage-Backed Securities - Commercial			—						585,997						—						585,997
Obligations of U.S. Government-Sponsored Enterprises:
Mortgage-Backed Securities - Residential			—						370,857						—						370,857
Other Government-Sponsored Enterprises			—						—						—						—
Obligations of States and Political Subdivisions			—						6,711						—						6,711
Corporate Securities			—						37,414						—						37,414
Total Securities Available for Sale			—						1,003,048						—						1,003,048
Loans Held for Sale			—						36,301						—						36,301
Other Assets(a)			—						39,048						—						39,048
Total Assets			$	—					$	1,078,397					$	—					$	1,078,397
Other Liabilities(a)			$	—					$	36,411					$	—					$	36,411
Total Liabilities			$	—					$	36,411					$	—					$	36,411

(a)Hedging and non-hedging interest rate derivatives

			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 nine months ended September 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 September 30, 2026 and 2025.

48

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

The tables below present the balances of assets measured at fair value on a nonrecurring basis at the dates shown below:

			September 30, 2026
			Level 1						Level 2						Level 3						Total
			(dollars in thousands)
Loans held for sale			$	—					$	1,375					$	—					$	1,375
Nonperforming loans			—						53,593						24,658						78,251
Other real estate owned			—						4,853						—						4,853
Total Assets			$	—					$	59,821					$	24,658					$	84,479

			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

The following (losses) gains were realized on the assets measured on a nonrecurring basis:

			For the Three Months Ended September 30,												For the Nine Months Ended September 30,
			2026						2025						2026						2025
			(dollars in thousands)
Loans held for sale			$	—					$	—					$	—					$	—
Nonperforming loans			(8,483)						(6,251)						(19,258)						(15,488)
Other real estate owned			(25)						(35)						(61)						(35)
Total losses			$	(8,508)					$	(6,286)					$	(19,319)					$	(15,523)

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 $4.5 million as of September 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 nine months ended September 30, 2026.

49

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

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.

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 September 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:

			September 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			$	93,509					$	93,509					$	93,509					$	—					$	—
Interest-bearing deposits			34,502						34,502						34,502						—						—
Securities available for sale			1,003,048						1,003,048						—						1,003,048						—
Securities held to maturity			555,660						485,856						—						485,856						—
Other investments			38,690						38,690						—						33,508						5,182
Loans held for sale			37,676						37,810						—						37,810						—
Loans and leases			9,537,685						9,442,958						—						53,593						9,389,365
Financial liabilities
Deposits			10,273,909						10,259,312						—						10,259,312						—
Short-term borrowings			167,672						166,188						—						166,188						—
Subordinated debt			121,700						116,118						—						—						116,118

			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 16 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 nine months ended September 30, 2026 was a decrease of $2.3 million and $2.2 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 September 30, 2026, the underlying funded mortgage loan commitments had a carrying value of $9.9 million and a fair value of $9.0 million, while the underlying unfunded mortgage loan commitments had a notional amount of $68.4 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 $1.9 million and $2.0 million for the three and nine months ended September 30, 2026, respectively, and $0.4 million for the three months ended September 30, 2025. The interest rate lock commitments decreased noninterest income by $0.4 million for the nine months ended September 30, 2025.

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, matured on August 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 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.

52

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

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 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 current interest rate swap converts 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 September 30, 2026 and 2025, there was a negative impact on net interest income of $0.1 million and $2.1 million, respectively, and $1.4 million and $8.4 million, respectively, for the nine months ended September 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 September 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:

			September 30, 2026						December 31, 2025
			(dollars in thousands)
Derivatives not Designated as Hedging Instruments
Interest rate derivatives:
Credit value adjustment			$	(1)					$	(185)
Notional amount:
Interest rate derivatives			977,994						1,000,541
Interest rate caps			13,740						50,525
Interest rate collars			15,504						2,022
Risk participation agreements			109,044						158,646
Sold credit protection on risk participation agreements			(150,090)						(151,858)
Interest rate options			68,387						48,143
Interest rate forwards:
Fair value adjustment			1,878						(133)
Notional amount			67,000						49,000
Derivatives Designated as Hedging Instruments
Interest rate swaps:
Fair value adjustment			760						(766)
Notional amount			25,000						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 September 30,												For the Nine Months Ended September 30,
			2026						2025						2026						2025
			(dollars in thousands)
Non-hedging interest rate derivatives
(Decrease) increase in other income			$	(2,220)					$	(4)					$	(2,063)					$	299
Non-hedging interest rate forwards
Increase (decrease) in other income			1,937						360						2,011						(381)
Hedging interest rate derivatives
Decrease in interest and fees on loans			(181)						(2,385)						(2,019)						(9,290)
Decrease in interest from subordinated debentures			(123)						(315)						(606)						(937)

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 September 30, 2026 and December 31, 2025 was $378.8 million and $378.2 million, respectively. The increase in 2026 is the result of the third quarter acquisition of Pennsylvania Insurance Specialists, Inc., an insurance agency based in Ligonier, PA.The acquisition of Pennsylvania Insurance Specialists is expected to increase Insurance and retail brokerage commissions by approximately $0.4 million on an annual basis. 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 September 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.

54

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Note 14 Subordinated Debentures

Subordinated debentures outstanding are as follows:

																		September 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%												$	49,533											$	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																		$	121,700											$	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 Prime + 1.00%. The carrying value of this note included a fair value premium from acquisition of $0.8 million. The Company 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 fixed the index rate based portion of the interest rate on Capital Trust III at 1.525% until its expiration on August 15, 2026. A similar interest rate swap contract was entered into 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

55

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

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.

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 $4.0 million in commission expense for both the nine months ended September 30, 2026 and 2025.

56

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

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.

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 September 30,												For the Nine Months Ended September 30,
			2026						2025						2026						2025
			(dollars in thousands)
Noninterest Income
In-scope of Topic 606:
Trust income			$	3,900					$	3,477					$	10,891					$	9,528
Service charges on deposit accounts			5,990						5,913						17,264						16,946
Insurance and retail brokerage commissions			2,920						3,499						9,272						9,766
Card-related interchange income			3,980						3,985						11,646						11,637
Gain on sale of other loans and assets			87						(178)						414						446
Other income			560						703						1,787						2,158
Noninterest Income (in-scope of Topic 606)			17,437						17,399						51,274						50,481
Noninterest Income (out-of-scope of Topic 606)			9,290						7,458						27,037						21,627
Total Noninterest Income			$	26,727					$	24,857					$	78,311					$	72,108

Note 16 Segment Reporting

We operate our business as one 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.

57

ITEM 1. Financial Statements and Supplementary Data

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (Continued)

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.

The following table presents information related to segment revenue, significant segment expenses and segment net income:

			For the Three Months Ended September 30,												For the Nine Months Ended September 30,
			2026						2025						2026						2025
			(dollars in thousands)
Interest income			$	162,309					$	162,709					$	478,849					$	468,763
Interest expense			45,989						51,586						141,113						155,877
Net interest income			116,320						111,123						337,736						312,886
Provision for credit losses			14,188						11,327						33,852						29,720
Noninterest Income
Trust income			3,900						3,477						10,891						9,528
Service charges on deposit accounts			5,990						5,913						17,264						16,946
Insurance and retail brokerage commissions			2,920						3,499						9,272						9,766
Gain on sale of mortgage loans			2,512						2,132						7,064						5,355
Gain on sale of other loans and assets			2,275						1,085						6,485						4,690
Card-related interchange income			3,980						3,985						11,646						11,637
Other segment income (a)			5,150						4,766						15,689						14,186
Noninterest expense
Salaries and employee benefits			44,351						40,717						129,959						121,716
Net occupancy			5,311						5,110						15,893						15,733
Furniture and equipment			4,858						4,427						13,855						13,167
Data processing			4,416						4,260						12,751						12,162
Other professional fees and services			1,653						1,843						4,409						5,366
Other segment expense (b)			17,595						16,477						51,147						52,208
Income tax provision			5,732						10,491						27,101						27,496
Segment net income			$	44,943					$	41,328					$	127,080					$	107,426
Reconciliation of net income
Adjustments and reconciling items			—						—						—						—
Consolidated net income			$	44,943					$	41,328					$	127,080					$	107,426

(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.

58

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 nine months ended September 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 of 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 63 and 72 for the nine and three months ended September 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 September 30,												For the Nine Months Ended September 30,
			2026						2025						2026						2025
			(dollars in thousands, except per share data)
Net Income			$	44,943					$	41,328					$	127,080					$	107,426
Per Share Data:
Basic Earnings per Share			$	0.45					$	0.40					$	1.26					$	1.04
Diluted Earnings per Share			0.45						0.39						1.25						1.04
Cash Dividends Declared per Common Share			0.140						0.135						0.415						0.400
Average Balance:
Total assets			$	12,183,086					$	12,210,003					$	12,199,522					$	11,997,612
Total equity			1,558,460						1,530,610						1,561,314						1,484,551
End of Period Balance:
Net loans and leases (1)															$	9,441,836					$	9,621,249
Total assets															12,196,935						12,310,376
Total deposits															10,273,909						10,231,340
Total equity															1,484,049						1,541,837
Key Ratios:
Return on average assets			1.46		%				1.34		%				1.39		%				1.20		%
Return on average equity			11.44		%				10.71		%				10.88		%				9.67		%
Dividends payout ratio			31.11		%				33.75		%				32.94		%				38.46		%
Average equity to average assets ratio			12.79		%				12.54		%				12.80		%				12.37		%
Net interest margin			4.11		%				3.92		%				4.02		%				3.79		%
Net loans to deposits ratio															91.90		%				94.04		%

(1) Includes loans held for sale.

Results of Operations

Nine Months Ended September 30, 2026 Compared to Nine Months Ended September 30, 2025

Net Income

For the nine months ended September 30, 2026, First Commonwealth had net income of $127.1 million, or $1.25 diluted earnings per share, compared to net income of $107.4 million, or $1.04 diluted earnings per share, in the nine months ended September 30, 2025. The increase in net income was primarily the result of a $24.9 million increase in net interest income and $6.2 million increase in noninterest income, offset by a $4.1 million increase in the provision for credit losses and a $7.7 million increase in noninterest expense.

For the nine months ended September 30, 2026, the Company’s return on average equity was 10.88% and its return on average assets was 1.39%, compared to 9.67% and 1.20%, respectively, for the nine months ended September 30, 2025.

Net Interest Income

Net interest income, on a fully taxable equivalent basis, was $338.9 million in the first nine months of 2026, compared to $313.9 million for the same period in 2025. The increase in net interest income can be attributed to a 26 basis point decrease in the cost of interest-bearing liabilities and a $214.1 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 81.2% and 81.3% for the nine months ended September 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 4.02% for the nine months ended September 30, 2026 and 3.79% for the nine months ended September 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 5.69% for the nine months ended September 30, 2026, an increase of one basis points compared to the 5.68% yield for the same period in 2025. The yield on interest-earning assets benefited as the yield on fixed rate commercial loans increased 31 basis points and the yield on fixed rate consumer loans increased by 14 basis points. Offsetting these increases were a 78 basis point decrease in the yield on consumer lines of credit and a 7 basis point decline in the yield on equipment finance loans. For the nine months ended September 30, 2026, four basis points of the yield on interest-earning assets can be attributed to the recognition of $3.6 million in accretion of purchase accounting marks. For the nine months ended September 30, 2025, accretion of purchase accounting marks contributed $5.7 million, or seven basis points, to the yield on interest-earning assets.

The investment portfolio yield increased two basis points in comparison to the prior year, while the average balance of investments decreased $10.0 million as compared to the nine months ended September 30, 2025. Lower interest rates in the nine months ended September 30, 2026 compared to the prior year resulted in a 90 basis point decrease in the yield on interest-bearing deposits with banks, while the average balance increased from $58.7 million in 2025 to $138.7 million in 2026.

The cost of interest-bearing liabilities decreased to 2.32% for the nine months ended September 30, 2026, from 2.58% for the same period in 2025. The cost of interest-bearing deposits decreased 23 basis points and short-term borrowings decreased 75 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, including growth in money market and savings accounts. Comparing the nine months ended September 30, 2026 with the comparable period in 2025, average time deposits decreased $17.8 million, or 1.0%, and the cost of these deposits decreased 42 basis points. Other interest-bearing deposits increased on average $252.4 million, or 4.2%, compared to the nine months ended September 30, 2025 and the cost of these deposits decreased 16 basis points. Compared to the prior period, short-term borrowings decreased an average of $51.8 million and long-term debt decreased an average of $107.9 million, primarily due to the payoff of $129.4 million in FHLB debt during the first quarter of 2026.

For the nine months ended September 30, 2026, changes in rates positively impacted net interest income by $14.8 million when compared to the same period in 2025. The yield on interest-earning assets positively impacted net interest income by $1.1 million and the decrease in the cost of interest-bearing liabilities positively impacted net interest income by $13.7 million.

Changes in the volume of interest-earning assets and interest-bearing liabilities positively impacted net interest income by $10.2 million for the nine months ended September 30, 2026, as compared to the same period in 2025. Higher levels of interest-earning assets resulted in an increase of $9.1 million in interest income, while changes in the volume and mix of interest-bearing liabilities increased interest expense by $1.1 million. Average interest-earning assets for the nine months ended September 30, 2026 increased $214.1 million, or 1.9%, compared to the same period in 2025. Average loans for the comparable period increased $144.1 million, or 1.5%, and average investments decreased $10.0 million, or 0.6%.

Net interest income was positively impacted by a $139.3 million increase in average net free funds for the nine months ended September 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 nine months ended September 30, 2026 increased $69.5 million, or 3.0%, compared to the same period in 2025.

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 nine months ended September 30:

 

			2026						2025
			(dollars in thousands)
Interest income per Consolidated Statements of Income			$	478,849					$	468,763
Adjustment to fully taxable equivalent basis			1,166						1,027
Interest income adjusted to fully taxable equivalent basis (non-GAAP)			480,015						469,790
Interest expense			141,113						155,877
Net interest income adjusted to fully taxable equivalent basis (non-GAAP)			$	338,902					$	313,913

62

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 nine months ended September 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			$	138,700		$	4,034		3.89		%	$	58,735		$	2,106		4.79		%
Tax-free investment securities			15,604			324			2.78			18,064			349			2.58
Taxable investment securities			1,595,850			43,489			3.64			1,603,394			43,547			3.63
Loans and leases, net of unearned income (b)(c)			9,530,366			432,168			6.06			9,386,232			423,788			6.04
Total interest-earning assets			11,280,520			480,015			5.69			11,066,425			469,790			5.68
Noninterest-earning assets:
Cash			101,534									107,888
Allowance for credit losses			(129,030)									(127,862)
Other assets			946,498									951,161
Total noninterest-earning assets			919,002									931,187
Total Assets			$	12,199,522								$	11,997,612
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Interest-bearing demand deposits			$	1,828,442		$	17,467		1.28		%	$	1,906,208		$	21,388		1.50		%
Savings deposits			4,369,272			71,630			2.19			4,039,095			71,230			2.36
Time deposits			1,730,813			44,376			3.43			1,748,621			50,343			3.85
Short-term borrowings			57,067			1,317			3.09			108,877			3,128			3.84
Long-term debt			154,591			6,323			5.47			262,540			9,788			4.98
Total interest-bearing liabilities			8,140,185			141,113			2.32			8,065,341			155,877			2.58
Noninterest-bearing liabilities and shareholders’ equity:
Noninterest-bearing demand deposits			2,381,931									2,312,469
Other liabilities			116,092									135,251
Shareholders’ equity			1,561,314									1,484,551
Total Noninterest-Bearing Funding Sources			4,059,337									3,932,271
Total Liabilities and Shareholders’ Equity			$	12,199,522								$	11,997,612
Net Interest Income and Net Yield on Interest-Earning Assets						$	338,902		4.02		%				$	313,913		3.79		%

(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 nine months ended September 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.

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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

The following table shows the effect of changes in volumes and rates on interest income and interest expense for the nine months ended September 30, 2026 compared with September 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						$	1,928					$	2,865					$	(937)
Tax-free investment securities						(25)						(47)						22
Taxable investment securities						(58)						(205)						147
Loans and leases						8,380						6,511						1,869
Total interest income (b)						10,225						9,124						1,101
Interest-bearing liabilities:
Interest-bearing demand deposits						(3,921)						(872)						(3,049)
Savings deposits						400						5,828						(5,428)
Time deposits						(5,967)						(513)						(5,454)
Short-term borrowings						(1,811)						(1,488)						(323)
Long-term debt						(3,465)						(4,021)						556
Total interest expense						(14,764)						(1,066)						(13,698)
Net interest income						$	24,989					$	10,190					$	14,799

(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.  

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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

The table below provides a breakout of the provision for credit losses by loan category for the nine months ended September 30: 

			2026									2025
			Dollars			Percentage						Dollars			Percentage
			(dollars in thousands)
Commercial, financial, agricultural and other			$	17,875		56		%				$	16,902		77		%
Time and demand			11,379			36						9,861			45
Commercial credit cards			368			1						249			1
Equipment finance			4,741			15						5,991			27
Time and demand other			1,387			4						801			4
Real estate construction			3,341			10						1,194			5
Construction other			3,365			10						1,012			5
Construction residential			(24)			—						182			1
Residential real estate			649			2						(1,521)			(7)
Residential first lien			1,233			4						(1,379)			(6)
Residential junior lien/home equity			(584)			(2)						(142)			(1)
Commercial real estate			6,216			20						4,483			21
Multifamily			4,706			15						919			4
Non-owner occupied			235			1						4,098			19
Owner occupied			1,275			4						(534)			(2)
Loans to individuals			3,859			12						805			4
Automobile and recreational vehicles			2,924			9						(992)			(5)
Consumer credit cards			125			—						321			2
Consumer other			810			3						1,476			7
Provision for credit losses on loans and leases			$	31,940		100		%				$	21,863		100		%
Provision for credit losses - acquisition day 1 non-PCD			—									3,379
Total provision for credit losses on loans and leases			31,940									25,242
Provision for off-balance sheet credit exposure			1,912									4,478
Total provision for credit losses			$	33,852								$	29,720

Total provision expense for the nine months ended September 30, 2026, increased $4.1 million compared to the nine months ended September 30, 2025. Impacting the provision for credit losses for the nine months ended September 30, 2026 is an increase of $7.2 million in specific reserves for nonperforming loans. The specific reserves include $4.9 million for four time and demand relationships, $4.7 million for a multifamily relationship, $2.3 million for a owner occupied relationship and $2.8 million for a non-owner occupied relationship. Offsetting these increases in specific reserves is the decrease in specific reserves of $6.6 million; $2.3 million of which relates to two non-owner occupied relationships and $4.9 million relates to five time and demand relationships. Also impacting provision expense for the nine months ended September 30, 2026 was a decrease of $4.3 million in standard factor qualitative measures, primarily related to concentration risk associated with construction and construction permanent financing.

Additionally, the provision expense for off-balance sheet credit exposures in the nine months ended September 30, 2026 was $1.9 million. The decrease in the level of provision for off-balance sheet exposures in 2026 is primarily due to decreases in commercial and residential construction commitments.

The provision expense for the nine months ended September 30, 2025 was impacted by $3.4 million recognized in 2025 as the day-1 non-PCD provision expense resulting from the Center acquisition. Additionally, provision expense in 2025 was impacted by an $8.6 million dealer floor plan relationship moved to nonaccrual as a result of being out of trust on sold vehicles. Also impacting provision expense was a $1.8 million chargeoff for a commercial loan moved to held for sale and $5.2 million related to an increase in the allowance for credit losses as a result of the mix and growth of the loan portfolio.

The allowance for credit losses was $133.5 million, or 1.40%, of total loans and leases outstanding at September 30, 2026, compared to $125.8 million, or 1.32%, at December 31, 2025 and $129.6 million, or 1.34%, at September 30, 2025. Nonperforming loans as a percentage of total loans and leases increased to 0.99% at September 30, 2026 from 0.91% as of

65

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

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

September 30, 2025 and 0.97% at December 31, 2025. The allowance to nonperforming loan ratio was 140.20%, 137.07% and 148.04% as of September 30, 2026, December 31, 2025 and September 30, 2025, respectively.

Management believes that the allowance for credit losses is at a level deemed appropriate to absorb expected losses inherent in the loan portfolio at September 30, 2026.

Below is an analysis of the consolidated allowance for credit losses for the nine months ended September 30, 2026 and 2025 and the year-ended December 31, 2025:

 

						September 30, 2026						September 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						—						3,560						3,560
Provision for credit losses - acquisition day 1 non-PCD						—						3,379						3,379
Loans charged off:
Commercial, financial, agricultural and other						15,936						12,840						20,252
Real estate construction						326						829						1,294
Residential real estate						524						351						745
Commercial real estate						4,520						5,137						7,188
Loans to individuals						7,275						6,856						8,887
Total loans charged off						28,581						26,013						38,366
Recoveries of loans previously charged off:
Commercial, financial, agricultural and other						1,326						4,858						5,118
Real estate construction						—						—						—
Residential real estate						94						202						234
Commercial real estate						464						205						217
Loans to individuals						2,514						2,645						3,422
Total recoveries						4,398						7,910						8,991
Net charge-offs						24,183						18,103						29,375
Provision for credit losses on loans and leases charged to expense						31,940						21,863						29,298
Balance, end of period						$	133,525					$	129,605					$	125,768
Net charge-offs as a percentage of average loans and leases outstanding (annualized)						0.34		%				0.26		%				0.31		%
Allowance for credit losses as a percentage of end-of-period loans and leases outstanding						1.40		%				1.34		%				1.32		%

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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

Noninterest Income

The following table presents the components of noninterest income for the nine months ended September 30: 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Income:
Trust income						$	10,891					$	9,528					$	1,363					14		%
Service charges on deposit accounts						17,264						16,946						318						2
Insurance and retail brokerage commissions						9,272						9,766						(494)						(5)
Income from bank owned life insurance						5,930						5,152						778						15
Card-related interchange income						11,646						11,637						9						—
Swap fee income						1,226						1,517						(291)						(19)
Other income						6,970						7,295						(325)						(4)
Subtotal						63,199						61,841						1,358						2
Net securities gains (losses)						573						(4,773)						5,346						(112)
Gain on sale of VISA						—						5,146						(5,146)						(100)
Gain on sale of mortgage loans						7,064						5,355						1,709						32
Gain on sale of other loans and assets						6,485						4,690						1,795						38
Gain on early redemption of subordinated debt						806						—						806						—
Derivatives mark to market						184						(151)						335						(222)
Total noninterest income						$	78,311					$	72,108					$	6,203					9		%

Total noninterest income for the nine months ended September 30, 2026 increased $6.2 million, or 9%, compared to the nine months ended September 30, 2025. Contributing to this increase is a $1.7 million increase in the gain on sale of mortgage loans, a $1.8 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 nine months ended September 30, 2026 was $0.4 million related to changes in the value of loans held for sale. Trust income increased $1.4 million due to increased assets under management and income from bank owned life insurance increased $0.8 million primarily due to claims received. Offsetting these increases was a decrease of $0.5 million in insurance and retail brokerage commissions due to lower annuity income and $0.3 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 nine months ended September 30, 2025 include gains on the sale of VISA shares of $5.1 million, offset by net security losses of $4.8 million, resulting from the sale of available for sale securities that were sold in order to reinvest into higher yielding investments.

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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

Noninterest Expense

The following table presents the components of noninterest expense for the nine months ended September 30: 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Expense:
Salaries and employee benefits						$	129,959					$	121,716					$	8,243					7		%
Net occupancy						15,893						15,733						160						1
Furniture and equipment						13,855						13,167						688						5
Data processing						12,751						12,162						589						5
Advertising and promotion						4,855						4,760						95						2
Pennsylvania shares tax						4,428						4,012						416						10
Intangible amortization						4,008						4,009						(1)						—
Other professional fees and services						4,409						5,366						(957)						(18)
FDIC insurance						4,538						4,582						(44)						(1)
Other operating						29,357						28,398						959						3
Subtotal						224,053						213,905						10,148						5
Loss on sale or write-down of assets						1,564						373						1,191						319
Litigation and operational losses						2,090						1,845						245						13
Merger and acquisition related						307						4,229						(3,922)						(93)
Total noninterest expense						$	228,014					$	220,352					$	7,662					3		%

Noninterest expense increased $7.7 million, or 3%, for the nine months ended September 30, 2026 compared to the same period in 2025. The increase is primarily the result of an $8.2 million increase in salaries and benefits expense. Contributing to the increased salary expense in 2026 was a higher number of full time equivalent employees, as the number totaled 1,575 at September 30, 2026 compared to 1,548 at September 30, 2025. Also impacting this increase were annual merit increases as well as higher levels of incentive and hospitalization expense. Loss on sale or write-down of other assets increased $1.2 million primarily due to a $0.6 million write-down related to the termination of a capital lease. Other operating expense increased $1.0 million primarily due to a $0.7 million increase in collection and repossession expense as a result of increased foreclosure and repossession activity in 2026.

The decrease of $1.0 million in other professional fees and services is a result of services and advisors contracted for in several areas in the prior period, none of which were individually material. In addition, merger and acquisition related expenses were $4.2 million in the first nine months of 2025 due to the Center acquisition with only $0.3 million recognized during the same period in 2026.

Income Tax

The provision for income taxes decreased $0.4 million for the nine months ended September 30, 2026, compared to the corresponding period in 2025. Higher levels of pretax earnings increased the provision for income taxes by approximately $4.3 million. This increase was offset by a $4.7 million benefit from purchasing $54.7 million in prior year tax credits at a discount.

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 factors and the additional $4.7 million tax benefit from purchased tax credits provided for an effective tax rate of 17.6% and 20.4% for the nine months ended September 30, 2026 and 2025, respectively. The effective tax rate for the nine months ended September 30, 2026, excluding discrete items such as the purchased tax credits, was 20.6%.

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 nine months ended September 30, 2026 and 2025. The Company estimates the annual effective income tax rate for 2026 to be 20.2%.

As of September 30, 2026, our deferred tax assets totaled $53.5 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

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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

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 September 30, 2026 Compared to Three Months Ended September 30, 2025

Net Income

For the three months ended September 30, 2026, First Commonwealth recognized net income of $44.9 million, or $0.45 diluted earnings per share, compared to net income of $41.3 million, or $0.39 diluted earnings per share, in the three months ended September 30, 2025. The increase in net income between the two periods is attributable to a $5.2 million increase in net interest income, a $1.9 million increase in noninterest income and a $4.8 million decrease in income tax expense. Offsetting these changes is a $2.9 million increase in the provision for credit losses and a $5.4 million increase in noninterest expense.

For the three months ended September 30, 2026, the Company’s return on average equity was 11.44% and its return on average assets was 1.46%, compared to 10.71% and 1.34%, respectively, for the three months ended September 30, 2025.

Net Interest Income

Net interest income, on a fully taxable equivalent basis, was $116.7 million in the third quarter of 2026, compared to $111.5 million for the same period in 2025. The increase in net interest income can be largely attributed to a 24 basis point decrease in the cost of interest-bearing liabilities. Net interest income comprises the majority of our operating revenue (i.e., net interest income before provision expense plus noninterest income), at 81.3% and 81.7% for the three months ended September 30, 2026 and 2025, respectively.

The net interest margin, on a fully taxable equivalent basis, was 4.11% and 3.92% for the three months ended September 30, 2026 and 2025, respectively.

The taxable equivalent yield on interest-earning assets was 5.73% for the three months ended September 30, 2026, which remained unchanged in comparison to the same period in 2025. The yield on investments increased by nine basis points in comparison to the prior year, as replacement rates exceeded the portfolio yield. The yield on interest-bearing balances with banks, which reprices with changes in market rates, decreased 67 basis points as a result of lower market rates. The average investment portfolio balance increased $48.5 million, while the average balance of interest-bearing deposits with banks increased from $40.2 million in 2025 to $51.7 million in 2026.

The loan portfolio yield increased by one basis point compared to the three months ended September 30, 2025. During the three months ended September 30, 2026, one commercial relationship was placed in nonperforming status resulting in the reversal of $0.8 million in interest income. This reversal negatively impacted the yield on interest-earning assets by three basis points for the period. Accretion of purchase accounting marks contributed $1.0 million, or three basis points, to the yield on interest-earnings assets in the three months ended September 30, 2026. For the three months ended September 30, 2025, accretion of purchase accounting marks contributed $1.8 million, or six basis points, to the yield on interest-earning assets.

The cost of interest-bearing liabilities decreased to 2.26% for the three months ended September 30, 2026, from 2.50% for the same period in 2025, primarily due to decreases in the cost of interest-bearing deposits as a result of lower market interest rates. Comparing the three months ended September 30, 2026 with the comparable period in 2025, average time deposits decreased $129.5 million, or 7.5%, with the cost of these deposits decreasing 37 basis points. The decline in average time deposits can be attributed to changes in customer preference, as well as the funding mix preferences of the Company. Over this same period, interest-bearing demand and savings deposits increased on average $161.2 million, or 2.7%, compared to the three months ended September 30, 2025, and the cost of those deposits decreased 13 basis points. The cost of short-term borrowings decreased 33 basis points in comparison to the same period last year as a result of changes in market rates.

For the three months ended September 30, 2026, changes in interest rates positively impacted net interest income by $4.1 million as compared with the same period in 2025. The yield on interest-earning assets in 2026 positively impacted net interest income by $0.4 million, while a decrease in the cost of interest-bearing liabilities positively impacted net interest income by $3.6 million.

Changes in the volume of interest-earning assets and interest-bearing liabilities positively impacted net interest income by $1.2 million during the three months ended September 30, 2026, as compared to the same period in 2025. The growth and mix of interest-earning assets resulted in a decrease of $0.8 million in interest income, while changes in the volume and mix of interest-bearing liabilities decreased interest expense by $2.0 million.

Average interest-earning assets for the three months ended September 30, 2026 decreased $28.3 million, or 0.3%, compared to the same period in 2025. Average loans for the comparable period decreased $88.3 million, or 0.9%, negatively impacting

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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

interest income by $1.4 million, while average interest-bearing deposits with banks increased $11.5 million, benefiting interest income by $0.1 million. Average interest-bearing liabilities decreased by $122.3 million, favorably impacting net interest income by $2.0 million. Short-term borrowings and long-term debt average balances decreased by $154.1 million, resulting in lower interest expense of $1.7 million. Offsetting this benefit were increases in average savings balances. Average savings deposits for the three months ended September 30, 2026 increased by $277.3 million compared to the prior period, resulting in additional interest expense of $1.6 million, while average time deposits balances decreased by $129.5 million compared to the same period in 2025, decreasing interest expense by $1.2 million.

Net interest income was positively impacted by a $94.0 million increase in average net free funds for the three months ended September 30, 2026 as compared to September 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 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 September 30:

 

			2026						2025
			(dollars in thousands)
Interest income per Consolidated Statements of Income			$	162,309					$	162,709
Adjustment to fully taxable equivalent basis			420						351
Interest income adjusted to fully taxable equivalent basis (non-GAAP)			162,729						163,060
Interest expense			45,989						51,586
Net interest income adjusted to fully taxable equivalent basis (non-GAAP)			$	116,740					$	111,474

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 September 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			$	51,682		$	544		4.18		%	$	40,159		$	491		4.85		%
Tax-free investment securities			14,987			105			2.78			17,831			114			2.54
Taxable investment securities			1,630,874			15,210			3.70			1,579,538			14,400			3.62
Loans and leases, net of unearned income (b)(c)			9,564,799			146,870			6.09			9,653,118			148,055			6.08
Total interest-earning assets			11,262,342			162,729			5.73			11,290,646			163,060			5.73
Noninterest-earning assets:
Cash			95,077									108,546
Allowance for credit losses			(130,824)									(136,290)
Other assets			956,491									947,101
Total noninterest-earning assets			920,744									919,357
Total Assets			$	12,183,086								$	12,210,003
Liabilities and Shareholders’ Equity
Interest-bearing liabilities:
Interest-bearing demand deposits			$	1,832,860		$	6,012		1.30		%	$	1,948,886		$	7,627		1.55		%
Savings deposits			4,392,825			23,776			2.15			4,115,564			23,407			2.26
Time deposits			1,605,301			13,316			3.29			1,734,804			16,004			3.66
Short-term borrowings			111,701			1,002			3.56			128,548			1,262			3.89
Long-term debt			124,970			1,883			5.98			262,186			3,286			4.97
Total interest-bearing liabilities			8,067,657			45,989			2.26			8,189,988			51,586			2.50
Noninterest-bearing liabilities and shareholders’ equity:
Noninterest-bearing demand deposits			2,438,977									2,366,509
Other liabilities			117,992									122,896
Shareholders’ equity			1,558,460									1,530,610
Total noninterest-bearing funding sources			4,115,429									4,020,015
Total Liabilities and Shareholders’ Equity			$	12,183,086								$	12,210,003
Net Interest Income and Net Yield on Interest-Earning Assets						$	116,740		4.11		%				$	111,474		3.92		%

(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 September 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.

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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

The following table shows the effect of changes in volumes and rates on interest income and interest expense for the three months ended September 30, 2026 compared with September 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						$	53					$	141					$	(88)
Tax-free investment securities						(9)						(18)						9
Taxable investment securities						810						468						342
Loans and leases						(1,185)						(1,353)						168
Total interest income (b)						(331)						(762)						431
Interest-bearing liabilities:
Interest-bearing demand deposits						(1,615)						(453)						(1,162)
Savings deposits						369						1,579						(1,210)
Time deposits						(2,688)						(1,195)						(1,493)
Short-term borrowings						(260)						(165)						(95)
Long-term debt						(1,403)						(1,719)						316
Total interest expense						(5,597)						(1,953)						(3,644)
Net interest income						$	5,266					$	1,191					$	4,075

(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, 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.

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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

The table below provides a breakout of the provision for credit losses by loan category for the three months ended September 30: 

			2026									2025
			Dollars			Percentage						Dollars			Percentage
			(dollars in thousands)
Commercial, financial, agricultural and other			$	4,033		38		%				$	8,672		92		%
Time and demand			3,295			31						5,536			59
Commercial credit cards			84			1						116			1
Equipment finance			1,027			9						3,744			40
Time and demand other			(373)			(3)						(724)			(8)
Real estate construction			2,538			24						1,483			16
Construction other			2,456			23						1,225			13
Construction residential			82			1						258			3
Residential real estate			(374)			(4)						(1,964)			(21)
Residential first lien			448			4						(1,503)			(16)
Residential junior lien/home equity			(822)			(8)						(461)			(5)
Commercial real estate			3,767			35						4,424			47
Multifamily			2,985			28						1,211			13
Non-owner occupied			678			6						5,219			55
Owner occupied			104			1						(2,006)			(21)
Loans to individuals			717			7						(3,173)			(34)
Automobile and recreational vehicles			377			4						(4,399)			(47)
Consumer credit cards			(6)			—						203			2
Consumer other			346			3						1,023			11
Provision for credit losses on loans and leases			$	10,681		100		%				$	9,442		100		%
Provision for off-balance sheet credit exposure			3,507									1,885
Total provision for credit losses			$	14,188								$	11,327

The provision for credit losses on loans and leases for the three months ended September 30, 2026 increased in comparison to the three months ended September 30, 2025 by $1.2 million. Included in the provision for credit losses for the three months ended September 30, 2026 are specific reserves on loans moved to nonperforming status during the quarter, including $2.8 million for a non-owner occupied loan, $2.3 million for an owner occupied loan, and a $0.7 million specific reserve for a time and demand loan. In addition, the specific reserve for a loan previously moved to nonperforming status was increased by $2.6 million during the three months ended September 30, 2026. Also impacting provision expense for the three months ended September 30, 2026 were changes in model assumptions such as prepayment speeds, which increased provision expense by $1.7 million, as well as loan growth and mix of loans, which increased provision expense by $0.9 million. Offsetting these increases was a decrease of $4.3 million in standard factor qualitative measures, primarily related to concentration risk associated with construction and construction permanent financing.

The level of provision expense in the third quarter of 2025 was impacted by $4.4 million specific reserve recognized on a dealer floor plan loan, a $1.8 million charge off for a commercial loan moved to held for sale and $1.3 million in provision expense as a result of mix and growth of the loan portfolio.

Additionally, the provision for off-balance sheet credit exposure increased $1.6 million primarily due to the level of unfunded commitments for construction loans. Total net charge-offs for the three months ended September 30, 2026 were $4.6 million and $12.2 million for the three months ended September 30, 2025.

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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

Below is an analysis of the consolidated allowance for credit losses for the three months ended September 30, 2026 and 2025 and the year-ended December 31, 2025:

 

						September 30, 2026						September 30, 2025						December 31, 2025
						(dollars in thousands)
Balance, beginning of period						$	127,425					$	132,966					$	118,906
Day 1 allowance for credit loss on PCD acquired loans						—						(556)						3,560
Provision for credit losses - acquisition day 1 non-PCD						—						—						3,379
Loans charged off:
Commercial, financial, agricultural and other						3,658						7,418						20,252
Real estate construction						—						829						1,294
Residential real estate						65						125						745
Commercial real estate						—						3,049						7,188
Loans to individuals						2,461						2,156						8,887
Total loans charged off						6,184						13,577						38,366
Recoveries of loans previously charged off:
Commercial, financial, agricultural and other						494						491						5,118
Real estate construction						—						—						—
Residential real estate						21						19						234
Commercial real estate						211						38						217
Loans to individuals						877						782						3,422
Total recoveries						1,603						1,330						8,991
Net charge-offs						4,581						12,247						29,375
Provision for credit losses on loans charged to expense						10,681						9,442						29,298
Balance, end of period						$	133,525					$	129,605					$	125,768

Noninterest Income

The following table presents the components of noninterest income for the three months ended September 30: 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Income:
Trust income						$	3,900					$	3,477					$	423					12		%
Service charges on deposit accounts						5,990						5,913						77						1
Insurance and retail brokerage commissions						2,920						3,499						(579)						(17)
Income from bank owned life insurance						1,990						1,712						278						16
Card-related interchange income						3,980						3,985						(5)						—
Swap fee income						721						243						478						197
Other income						2,311						2,440						(129)						(5)
Subtotal						21,812						21,269						543						3
Net securities gains						33						369						(336)						(91)
Gain on sale of mortgage loans						2,512						2,132						380						18
Gain on sale of other loans and assets						2,275						1,085						1,190						110
Derivatives mark to market						95						2						93						4,650
Total noninterest income						$	26,727					$	24,857					$	1,870					8		%

Total noninterest income for the three months ended September 30, 2026 increased $1.9 million compared to the three months ended September 30, 2025. The most significant change includes a $1.2 million increase in the gain on sale of other loans and

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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

assets primarily due to an increase in gain on SBA loans sold. Swap fee income increased $0.5 million as a result of new interest rate swaps entered into by our commercial loan customers. Additionally, trust income increased $0.4 million due to increased assets under management, and gain on mortgage loans increased by $0.4 million due to the volume of loans sold. These were offset by a $0.6 million decrease in insurance and retail brokerage commissions due to declines in annuity income from customers.

Noninterest Expense

The following table presents the components of noninterest expense for the three months ended September 30:

 

						2026						2025						$ Change						% Change
						(dollars in thousands)
Noninterest Expense:
Salaries and employee benefits						$	44,351					$	40,717					$	3,634					9		%
Net occupancy						5,311						5,110						201						4
Furniture and equipment						4,858						4,427						431						10
Data processing						4,416						4,260						156						4
Advertising and promotion						1,746						1,931						(185)						(10)
Pennsylvania shares tax						1,593						1,337						256						19
Intangible amortization						1,341						1,567						(226)						(14)
Other professional fees and services						1,653						1,843						(190)						(10)
FDIC insurance						1,802						1,653						149						9
Other operating						9,661						9,155						506						6
Subtotal						76,732						72,000						4,732						7
Loss on sale or write-down of assets						911						87						824						947
Litigation and operational losses						457						582						(125)						(21)
Merger and acquisition related						84						165						(81)						(49)
Total noninterest expense						$	78,184					$	72,834					$	5,350					7		%

Noninterest expense increased $5.4 million for the three months ended September 30, 2026 compared to the same period in 2025. The increase is primarily the result of a $3.6 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. In addition, loss on sale or write-down of assets increased $0.8 million due to a write-down of $0.6 million related to the remeasurement and reclassification of a capital lease.

Income Tax

The provision for income taxes decreased $4.8 million for the three months ended September 30, 2026, compared to the corresponding period in 2025. This decrease is primarily a result of a $4.7 million tax benefit recognized in the three months ended September 30, 2026 from purchasing $54.7 million in prior year tax credits at a discount. The effective tax rate for the three months ended September 30, 2026 was 11.3%, compared to 20.2% for the three months ended September 30, 2025. The effective tax rate for the three months ended September 30, 2026, excluding discrete items such as the purchased tax credits, was 20.6%.

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 nine months of 2026, the sale, maturity and redemption of investment securities provided $279.0 million in liquidity. These funds contributed to the liquidity available to originate loans, purchase investment securities and fund depositor withdrawals.

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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

The following represents our expanded sources of liquidity as of September 30, 2026:

						Total Available						Amount Used						Outstanding Letters of Credit						Net Available
						(dollars in thousands)
Internal liquidity sources
Unencumbered securities						$	814,978					$	—					$	—					$	814,978
Other (excess pledged)						121,332						—						—						121,332
External liquidity sources
FHLB advances						2,654,648						150,000						6,512						2,498,136
FRB borrowings						991,690						—						—						991,690
Lines with other financial institutions						160,000						—						—						160,000
CDARs (1)						1,216,387						19,559						—						1,196,828
Total liquidity						$	5,959,035					$	169,559					$	6,512					$	5,782,964

(1) Reflects internal policy limit. Maximum capacity of 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 September 30, 2026, the outstanding CDARS balance of $19.6 million carried an average weighted rate of 2.91% and an average original term of 335 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: 

																		September 30, 2026						December 31, 2025
																		Amount						Originated						Acquired(a)						Amount
																		(dollars in thousands)
Noninterest-bearing demand deposits																		$	2,469,526					$	2,331,287					$	41,484					$	2,372,771
Interest-bearing demand deposits																		1,845,430						1,782,509						13,004						1,795,513
Savings deposits																		4,403,730						4,108,572						133,190						4,241,762
Time deposits																		1,555,223						1,750,616						90,307						1,840,923
Total																		$	10,273,909					$	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 nine months of 2026, total deposits increased $22.9 million. Interest-bearing demand and savings deposits increased $211.9 million, time deposits decreased $285.7 million, and noninterest-bearing demand deposits increased $96.8 million.

The estimated total of uninsured deposits was $3.0 billion and $2.9 billion at September 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 September 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

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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

a one-year period was 0.71 and 0.70 at September 30, 2026 and December 31, 2025, respectively. 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 September 30, 2026 and December 31, 2025: 

						September 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						$	3,942,126					$	476,168					$	834,510					$	5,252,804					$	3,440,749					$	696,896
Investments						94,695						59,960						110,297						264,952						679,665						741,100
Other interest-earning assets						33,199						—						—						33,199						—						1,303
Total interest-sensitive assets (ISA)						4,070,020						536,128						944,807						5,550,955						4,120,414						1,439,299
Certificates of deposit						391,624						575,679						343,759						1,311,062						242,734						1,301
Other deposits						6,249,160						—						—						6,249,160						—						—
Borrowings						239,839						—						—						239,839						50,000						—
Total interest-sensitive liabilities (ISL)						6,880,623						575,679						343,759						7,800,061						292,734						1,301
Gap						$	(2,810,603)					$	(39,551)					$	601,048					$	(2,249,106)					$	3,827,680					$	1,437,998
ISA/ISL						0.59						0.93						2.75						0.71						14.08						1,106.30
Gap/Total assets						23.04		%				0.32		%				4.93		%				18.44		%				31.38		%				11.79		%

 

						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 were to remain unchanged and there are no changes in balance sheet categories.

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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

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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

						Net interest income change (12 months) for basis point movements of:
						-200						-100						+100						+200
						(dollars in thousands)
September 30, 2026 ($)						$	(519)					$	(123)					$	5,666					$	10,303
September 30, 2026 (%)						(0.11)		%				(0.03)		%				1.18		%				2.14		%
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)
September 30, 2026 ($)						$	(14,239)					$	(5,937)					$	18,456					$	34,866
September 30, 2026 (%)						(2.96)		%				(1.23)		%				3.84		%				7.25		%
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 nine months ended September 30, 2026 and 2025, the cost of our interest-bearing liabilities averaged 2.32% and 2.58%, respectively, and the yield on our average interest-earning assets, on a fully taxable equivalent basis, averaged 5.69% and 5.68%, 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 $10.1 million at September 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, increased $3.5 million to $95.2 million at September 30, 2026, compared to $91.8 million at December 31, 2025. During the nine months ended September 30, 2026, a total of $65.6 million in loans were moved to a nonperforming status. This total includes commercial relationships totaling $62.9 million. As of September 30, 2026, reserves of $16.3 million are included in the allowance for credit losses for these relationships. Offsetting the additions to nonperforming status 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, three 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 and recognizing a charge-off of $1.9 million, for which $1.7 million was previously provided for at December 31, 2025. Also impacting nonperforming loan balances in the first nine months 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 nine-months ended September 30, 2026. Charge-offs for the nine months ended September 30, 2026 totaled $28.6 million.

The allowance for credit losses as a percentage of nonperforming loans was 140.20% as of September 30, 2026, compared to 137.07% at December 31, 2025, and 148.04% at September 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 $17.0 million and general reserves of $116.5 million as of September 30, 2026. Specific reserves increased $7.2 million in comparison to December 31, 2025 and decreased $5.5 million from September 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 status during the third quarter.

Criticized loans totaled $288.0 million at September 30, 2026 and represented 3.0% of the loan portfolio. The level of criticized loans increased by $20.9 million, or 8%, as of September 30, 2026 when compared to December 31, 2025. Classified loans totaled $174.6 million at September 30, 2026 compared to $139.4 million at December 31, 2025, an increase of $35.2 million, or 25%.

The allowance for credit losses was $133.5 million at September 30, 2026, or 1.40% of total loans and leases outstanding, compared to 1.32% reported at December 31, 2025, and 1.34% at September 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 1.22% at September 30, 2026 compared to 1.22% at December 31, 2025 and 1.23% at September 30, 2025.

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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

The following table provides information related to nonperforming assets, the allowance for credit losses and other credit-related measurements:

						September 30,																					December 31, 2025
						2026												2025
						(dollars in thousands)
Nonperforming Loans:
Loans on nonaccrual basis						$	68,909											$	76,622											$	51,151
Loans on a nonaccrual basis - with government guarantees						17,638												—												30,325
Loans held for sale on a nonaccrual basis						—												1,138												—
Loans on nonaccrual basis - acquired						7,892												10,925												9,393
Loans on nonaccrual basis - acquired with government guarantees						801												—												887
Total nonperforming loans						$	95,240											$	88,685											$	91,756
Loans past due 30 to 90 days and still accruing						$	35,333											$	38,792											$	35,792
Loans past due in excess of 90 days and still accruing						$	13,408											$	2,117											$	1,288
Other real estate owned						$	4,534											$	853											$	990
Loans held for sale at end of period						$	37,676											$	62,566											$	271,452
Portfolio loans and leases outstanding at end of period						$	9,537,685											$	9,688,288											$	9,508,039
Average loans and leases outstanding						$	9,530,366					(a)						$	9,386,232					(a)						$	9,474,491					(b)
Nonperforming loans as a percentage of total loans and leases						0.99		%										0.91		%										0.97		%
Provision for credit losses on loans and leases (e)						$	31,940					(a)						$	21,863					(a)						$	29,298					(b)
Provision for credit losses - acquisition day 1 non-PCD						$	—											$	3,759											$	3,759
Allowance for credit losses						$	133,525											$	129,605											$	125,768
Net charge-offs						$	24,183					(a)						$	18,103					(a)						$	29,375					(b)
Net charge-offs as a percentage of average loans and leases outstanding (annualized)						0.34		%										0.26		%										0.31		%
Provision for credit losses as a percentage of net charge-offs (e)						132.08		%				(a)						120.77		%				(a)						99.74		%				(b)
Allowance for credit losses as a percentage of end-of-period loans and leases outstanding (c)						1.40		%										1.34		%										1.32		%
Allowance for credit losses as a percentage of nonperforming loans (d)						140.20		%										148.04		%										137.07		%

(a)For the nine-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:

 

																		September 30, 2026												December 31, 2025
																		Amount						%						Legacy						Acquired(a)						Amount						%
																		(dollars in thousands)
Commercial, financial, agricultural and other																		$	2,122,664					22		%				$	1,983,756					$	61,233					$	2,044,989					22		%
Real estate construction																		497,670						5						429,265						33,521						462,786						5
Residential real estate																		2,391,525						25						2,277,365						82,920						2,360,285						25
Commercial real estate																		3,043,642						32						3,067,542						114,567						3,182,109						33
Loans to individuals																		1,482,184						16						1,457,493						377						1,457,870						15
Total loans and leases, net of unearned income																		$	9,537,685					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.

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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

During the nine months ended September 30, 2026, loans increased $29.6 million compared to balances outstanding at December 31, 2025.

Commercial, financial, agricultural and other loans increased $77.7 million, or 3.8%. Within this category, $134.3 million of growth occurred in the equipment finance portfolio, offset by a $66.9 million decrease in the time and demand portfolio. Real estate construction loans increased $34.9 million, or 7.5%, due to growth in commercial real estate projects. Residential real estate loans increased $31.2 million, or 1.3%, primarily due to growth in home equity loans. Commercial real estate loans decreased $138.5 million, or 4.4%, as a result of decline in loans secured by non-owner occupied commercial real estate. Loans to individuals increased $24.3 million, or 1.67%, primarily due to a decrease in consumer credit card and consumer other loans.

Commercial real estate comprises 32% 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.

						September 30, 2026												December 31, 2025
						Amount						%						Amount						%
						(dollars in thousands)
Land						$	10,437					0.3		%				$	8,757					0.3		%
Residential 1-4						6,218						0.2						5,380						0.2
Industrial and storage						643,603						21.2						645,211						20.3
Multifamily						682,458						22.4						576,299						18.1
Office						414,736						13.6						470,133						14.8
Healthcare						111,607						3.7						143,056						4.5
Student housing						100,292						3.3						139,645						4.4
Retail						708,639						23.3						774,070						24.3
Hospitality						180,282						5.9						238,531						7.4
Specialty use						182,756						6.0						178,940						5.6
Other						2,614						0.1						2,087						0.1
Total						$	3,043,642					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 September 30, 2026. Total non-pass commercial real estate loans increased by $25.1 million to $152.6 million when compared to December 31, 2025.

						Pass						OAEM						Substandard Accruing						Substandard Nonaccruing						Total Non-Pass						Total						% Non-Pass
						(dollars in thousands)
Land						$	10,437					$	—					$	—					$	—					$	—					$	10,437					—		%
Residential 1-4						5,939						—						279						—						279						6,218						4.5
Industrial and storage						624,335						11,782						6,893						593						19,268						643,603						3.0
Multifamily						645,438						11,692						4,041						21,287						37,020						682,458						5.4
Office						382,484						13,428						13,924						4,900						32,252						414,736						7.8
Healthcare						107,220						1,771						2,577						39						4,387						111,607						3.9
Student housing						90,286						4,847						—						5,159						10,006						100,292						10.0
Retail						689,078						5,407						10,534						3,620						19,561						708,639						2.8
Hospitality						168,076						12,206						—						—						12,206						180,282						6.8
Specialty use						165,451						3,939						13,302						64						17,305						182,756						9.5
Other						2,327						287						—						—						287						2,614						11.0
Total						$	2,891,071					$	65,359					$	51,550					$	35,662					$	152,571					$	3,043,642					5.0		%

The office portfolio comprises 14% of total commercial real estate loans and 21% 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 September 30, 2026 is $0.9 million. Within the office portfolio, exposures over $1.0 million have an average debt service

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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

coverage ratio of 1.54x, 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 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.

The multifamily portfolio comprises 22% of total commercial real estate loans and 24% of total commercial real estate non-pass loans. The average loan commitment size for the multifamily portfolio is $3.2 million and the average outstanding balance as of September 30, 2026 is $2.4 million. Within the multifamily portfolio, exposures over $1.0 million have an average debt service coverage ratio of 1.35x, which exceeds our internal guidelines of 1.25x to 1.30x, depending on property class. Additionally, for loans with exposure over $1.0 million, the multifamily portfolio has a weighted average loan to value of 59.14% compared to internal guidelines of 75-80%, depending on property class. Our current measure is based off of the most recent appraisals 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% and the segment limit for multifamily was maintained at 115%. At September 30, 2026, the actual segment concentration for the office portfolio was 28.2% and for multifamily the segment concentration was 81.1%.

The following table summarizes commercial real estate loans by the location of the properties by which they are collateralized as of September 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)
Ohio						$	1,319,684					43		%
Pennsylvania						1,236,630						41
Kentucky						126,788						4
New Jersey						42,691						2
Indiana						42,177						1
Texas						41,237						1
Other						234,435						8
						$	3,043,642					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.

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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

As indicated in the table below, commercial real estate and commercial, financial and agricultural and other loans represent a significant portion of nonperforming loans as of September 30, 2026.

						For the Nine Months Ended September 30, 2026																		As of September 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						$	14,610					60.41		%				0.20		%				$	42,026					44.13		%				0.44		%
Real estate construction						326						1.35						—						1,810						1.90						0.02
Residential real estate						430						1.78						0.01						15,737						16.52						0.16
Commercial real estate						4,056						16.77						0.06						35,662						37.44						0.37
Loans to individuals						4,761						19.69						0.07						5						0.01						—
Total loans and leases, net of unearned income						$	24,183					100.00		%				0.34		%				$	95,240					100.00		%				0.99		%

Net charge-offs for the nine months ended September 30, 2026 totaled $24.2 million, as compared to $18.1 million for the nine months ended September 30, 2025. Charge-offs during the nine months ended September 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 September 30, 2026, shareholders’ equity was $1.5 billion, a decrease of $70.3 million from December 31, 2025. The decrease was primarily the result $127.1 million in net income and a $4.3 million increase related to the reissuance of treasury stock, offset by $125.1 million of common stock repurchases, $42.2 million of dividends paid to shareholders and a $34.3 million 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 $0.415 for the nine months ended September 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 September 30, 2026, which under the regulatory rules qualifies as Tier II capital. As of September 30, 2026, this subordinated debt issuance increased the total risk-based capital ratio by 49 basis points.

As of September 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

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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

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			$	1,436,124					14.32		%																$	1,052,779					10.50		%				$	1,002,646					10.00		%
First Commonwealth Bank			1,329,425						13.29																		1,050,306						10.50						1,000,291						10.00
Tier I Capital to Risk Weighted Assets
First Commonwealth Financial Corporation			$	1,261,071					12.58		%																$	852,249					8.50		%				$	802,117					8.00		%
First Commonwealth Bank			1,154,663						11.54																		850,248						8.50						800,233						8.00
Tier I Capital to Average Assets
First Commonwealth Financial Corporation			$	1,261,071					10.61		%																$	475,574					4.00		%				$	594,468					5.00		%
First Commonwealth Bank			1,154,663						9.73																		474,475						4.00						593,094						5.00
Common Equity Tier I to Risk Weighted Assets
First Commonwealth Financial Corporation			$	1,191,071					11.88		%																$	701,853					7.00		%				$	651,720					6.50		%
First Commonwealth Bank			1,154,663						11.54																		700,204						7.00						650,189						6.50

On October 27, 2026, First Commonwealth Financial Corporation declared a quarterly dividend of $0.14 per share payable on November 20, 2026 to shareholders of record as of November 6, 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.

On October 27, 2026, the Company announced that its Board of Directors authorized an additional $25.0 million share

repurchase program of the Company's common stock. Under the program, management is authorized to repurchase shares

through Rule 10b5-1 plans, open market purchases, privately negotiated transactions, block purchases or otherwise in a

manner that is intended to comply with applicable federal securities laws, including Rule 10b-18 of the Securities Exchange

Act of 1934. The Company may suspend or discontinue the program at any time.

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 reporting periods beginning after Dec. 15, 2026, and interim periods beginning after Dec. 15, 2027, 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 is effective for annual periods beginning after Dec. 15, 2027 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

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ITEM 3. Quantitative and Qualitative Disclosures About Market Risk

FIRST COMMONWEALTH FINANCIAL CORPORATION AND SUBSIDIARIES

beginning after Dec. 15, 2026, 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 is effective for annual periods beginning after Dec. 15, 2026, 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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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 1934 (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. There were no changes in our internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) during the quarter ended September 30, 2026 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

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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 and $75.0 million in July 2026. The $125.0 million authorized as part of these programs were fully used by September 30, 2026. In addition, on October 27, 2026, the Board authorized an additional $25.0 million share repurchase program of the Company's common stock. The following table details the amount of shares repurchased under these programs in the third 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 these Plans or Programs*
July 31, 2026			45,609						$	20.09					39,706						$	916					5,222,860
August 31, 2026			1,040,163						21.40						1,037,078						22,258						4,360,238
September 30, 2026			3,082,292						21.12						3,079,980						65,111						—
Total			4,168,064						$	21.18					4,156,764						$	88,285
* Remaining number of shares approved under the Plan is based on the market value of the Company's common stock of $21.53 at July 31, 2026 and $20.70 at August 31, 2026.
** Total number of shares purchased includes shares withheld for tax liability.

ITEM 3.    DEFAULTS UPON SENIOR SECURITIES

    None

ITEM 4.    MINE SAFETY DISCLOSURES

    Not applicable

ITEM 5.    OTHER INFORMATION

None of our directors or officers adopted or terminated a Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement during quarter ended September 30, 2026.

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ITEM 6.     EXHIBITS

Exhibit Number

Description

Incorporated by Reference to

10.1

Change of Control Agreement dated September 14, 2026 between First Commonwealth Financial Corporation and Phillip Graves

Filed herewith

31.1

Chief Executive Officer Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Furnished herewith

31.2

Chief Financial Officer Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Furnished herewith

32.1

Chief Executive Officer Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Furnished herewith

32.2

Chief Financial Officer Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Furnished herewith

101.INS

XBRL Instance Document

The instance document does not appear in the interactive data file because its XBRL tags are embedded within the inline XBRL document.

101.SCH

XBRL Taxonomy Extension Schema

Filed herewith

101.CAL

XBRL Taxonomy Extension Calculation Linkbase

Filed herewith

101.DEF

XBRL Taxonomy Extension Definition Linkbase

Filed herewith

101.LAB

XBRL Taxonomy Extension Label Linkbase

Filed herewith

101.PRE

XBRL Taxonomy Extension Presentation Linkbase

Filed herewith

104

The cover page of First Commonwealth Financial Corporation's Quarterly Report on Form 10-Q for the quarter ended September 30, 2026, formatted in inline XBRL.

The cover page interactive data file is embedded within the inline XBRL document and included in Exhibit 101.

90

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: November 6, 2026						/s/ T. Michael Price
						T. Michael Price President and Chief Executive Officer
DATED: November 6, 2026						/s/ James R. Reske
						James R. Reske Executive Vice President, Chief Financial Officer and Treasurer