Bank · Indiana, PA
First Commonwealth Bank: SBA lending profile
#53
National rank by loans
First Commonwealth Bank approved 817 SBA loans worth $590.5M between October 2021 and June 2026, ranking #53 of 2,283 SBA lenders nationally by loan count. Its median loan was $402,500, and 53% went to startups or businesses under two years old. It lent in 36 states, most often in Pennsylvania, and its most financed industry was construction.
SBA loans per fiscal year
0 100 200 300 FY14: 70 loans FY14 FY15: 86 loans FY15 FY16: 124 loans FY16 FY17: 112 loans FY17 FY18: 110 loans FY18 FY19: 131 loans FY19 FY20: 128 loans FY20 FY21: 170 loans FY21 FY22: 166 loans FY22 FY23: 159 loans FY23 FY24: 164 loans FY24 FY25: 218 loans FY25 218 FY26 (Oct to Jun): 110 loans FY26 110 Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Where First Commonwealth Bank lends
State Loans Approved Median loan Rank in state
Pennsylvania 302 $191.5M $360,450 #8 Ohio 260 $211.2M $405,000 #7 Texas 89 $75.7M $470,000 #54 Florida 46 $31.8M $462,500 #71 Kentucky 15 $9.8M $375,000 #28 Illinois 9 $2.0M $176,000 #111 North Carolina 9 $5.0M $500,000 #83 Georgia 7 $5.5M $495,000 #140 New Jersey 7 $3.3M $400,000 #95 Virginia 7 $7.6M $594,500 #91 South Carolina 5 $3.3M $409,000 #80 Oregon 5 $1.9M $365,100 #73 Nevada 5 $2.1M $330,000 #64 Indiana 5 $4.1M $220,000 #105 Massachusetts 5 $3.2M $338,000 #111
Industries First Commonwealth Bank finances
Industry Loans Share Median loan
Construction 126
$357,550 Restaurants and hotels 121
$410,000 Other services (repair, personal care) 97
$501,100 Manufacturing 84
$500,000 Professional and technical services 66
$278,500 Health care and social assistance 62
$440,000 Arts, entertainment and recreation 60
$422,900 Retail 56
$505,850 Administrative and support services 42
$361,500 Wholesale trade 30
$545,000
Loan size mix
Under $150,000 16% $150,000 to $500,000 41% $500,000 to $2 million 34% $2 million and up 8% Loan programs used
Preferred Lender (PLP) 74% SBA Express 19% Standard 7(a) 2% CAPLines 2% International Trade Loans 1%
Bank financials · Q2 2026
Total assets
$12.2B
Return on assets (annualized)
1.40%
Tier 1 capital to assets
9.9%
Business (C&I) loans
$1.8B
Noncurrent loans
0.90%
Uninsured deposits
28%
From the bank's FDIC call report. Shown for context, not as a rating. FDIC certificate 7468.
Loan terms
Median initial rate, FY2025 to date
9.75%
Variable-rate share
99%
Median term
10 years
Startups and new businesses
53%
Charge-off rate, 2010 to 2019 loans now closed
5.4%
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Find out where it's losing SBA share and why, which nearby counties it's missing, and what that's worth a year.
See its market report Figures come from the SBA's public loan records and describe loans the SBA approved, not applications or the lender's full business.
Methodology