First Commonwealth Financial Balance Sheet Health
Financial Health criteria checks 6/6
First Commonwealth Financial has total assets of $12.0B and total equity of $1.4B. Total deposits are $9.7B, and total loans are $8.8B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $600.1M.
Key information
8.5x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | US$9.75b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$600.12m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FCF's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: FCF has a sufficient allowance for bad loans (169%).
Low Risk Liabilities: 92% of FCF's liabilities are made up of primarily low risk sources of funding.
Loan Level: FCF has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: FCF's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: FCF has an appropriate level of bad loans (0.8%).