# First Commonwealth Financial Corporation competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/first-commonwealth/competitors
Last updated: Oct 19, 2026

*Part of the [First Commonwealth Financial Corporation AI strategy profile](https://www.bankingnewsai.com/banks/first-commonwealth). Peer group: F.N.B. Corporation, Fulton Financial Corporation, Community Financial System (Community Bank, N.A.), WesBanco, NBT Bancorp, First Merchants Corporation, Park National Corporation, First Financial Bancorp.*

## Who are First Commonwealth Financial Corporation's competitors, and what are the alternatives?

First Commonwealth's 2025 10-K, filed March 2, 2026, calls its market 'extremely competitive' and names commercial banks, savings and loan associations, finance companies, credit unions, trust companies, mortgage companies, money market mutual funds, insurers and brokerage firms as competitors, many of them significantly larger. Its home base is western and central Pennsylvania, where it ran 100 offices with $7.82 billion of deposits at June 30, 2025 (1.39% of the state, 16th). In the Pittsburgh area it was ninth with $4.02 billion in 50 offices, against PNC's 50.62% share, F.N.B.'s 5.46%, Citizens' 4.61%, Dollar Bank, Huntington and KeyBank (FDIC). In its home county of Indiana, S&T Bank held 45.83% of deposits to First Commonwealth's 25.88%. In Ohio, where it runs offices around Columbus, Cincinnati and Canton, it is small: 0.73% of Columbus-area deposits against Huntington's 43.7%. The non-bank rivals are the ones its filings name: money market funds and brokerage firms such as Charles Schwab for savings, mortgage companies such as Rocket, and, in a new 2025 risk factor, stablecoins such as Circle's USDC, which it says may function as substitutes for bank deposits. The 10-K adds that credit unions compete with less regulation and taxation than banks. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results))

## What does First Commonwealth say about its competition?

"The banking and financial services industry is extremely competitive in our market area. We face vigorous competition for customers, loans and deposits from many companies, including commercial banks, savings and loan associations, finance companies, credit unions, trust companies, mortgage companies, money market mutual funds, insurance companies, and brokerage and investment firms. Many of these competitors are significantly larger than us, have greater resources, higher lending limits and larger branch systems and offer a wider array of financial services than us. In addition, some of these competitors, such as credit unions, are subject to a lesser degree of regulation or taxation than banks." ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm))

From the risk factors: "We face substantial competition in originating loans and attracting deposits. This competition comes principally from other banks, savings institutions, mortgage banking companies and credit unions, as well as institutions offering uninsured investment alternatives, including money market funds. Many of our competitors enjoy advantages, including greater financial resources and higher lending limits, better brand recognition, a wider geographic presence, more accessible branch office locations, the ability to offer a wider array of services or more favorable pricing alternatives, as well as lower origination and operating costs." ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm))

And on stablecoins: "The growing adoption of stablecoins, including yield-bearing stablecoins, and the evolving regulatory framework under the Guiding and Establishing National Innovation for U.S. Stablecoins Act (the 'GENIUS Act'), could adversely affect our deposits, liquidity, and competitive position. Certain stablecoin products may function as substitutes for traditional bank deposits while operating under different regulatory requirements." (2025 Form 10-K, filed March 2, 2026.) ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm))

## Who competes with First Commonwealth in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: western and central Pennsylvania | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | Pittsburgh-headquartered PNC held $107.46 billion of Pittsburgh-area deposits (50.62%) in 91 offices and 26.18% of Pennsylvania deposits at June 30, 2025, against First Commonwealth's 1.90% and 1.39% (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: western and central Pennsylvania | [F.N.B. (First National Bank of Pennsylvania)](https://www.bankingnewsai.com/banks/fnb) | Bank | The other Pittsburgh-headquartered regional: $11.60 billion of Pittsburgh-area deposits in 81 offices at June 30, 2025, and 188 Pennsylvania offices, nearly twice First Commonwealth's 100. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: western and central Pennsylvania | [Citizens](https://www.bankingnewsai.com/banks/citizens) | Bank | Ran 67 Pittsburgh-area offices with $9.79 billion of deposits (4.61%) and 214 Pennsylvania offices at June 30, 2025 (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: western and central Pennsylvania | S&T Bank | Bank | The largest bank in First Commonwealth's home county of Indiana, Pennsylvania, with 45.83% of deposits in eight offices at June 30, 2025, against First Commonwealth's 25.88% in six; it also ran 28 Pittsburgh-area offices. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) |
| Home region: western and central Pennsylvania | Dollar Bank | Bank | A Pittsburgh savings bank with $7.00 billion of Pittsburgh-area deposits in 47 offices at June 30, 2025, sixth in the market and ahead of First Commonwealth (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: western and central Pennsylvania | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Bank | Ran 40 Pittsburgh-area offices with $4.39 billion of deposits (2.07%) at June 30, 2025, eighth in the market and one place ahead of First Commonwealth (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: western and central Pennsylvania | [Fulton Bank](https://www.bankingnewsai.com/banks/fulton) | Bank | The Lancaster-based bank ran 107 Pennsylvania offices with $15.02 billion of deposits (2.67%) at June 30, 2025, eleventh in the state, overlapping First Commonwealth's central Pennsylvania markets (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) |
| Home region: western and central Pennsylvania | [Huntington (Pittsburgh)](https://www.bankingnewsai.com/banks/huntington) | Bank | Held $4.79 billion of Pittsburgh-area deposits in 42 offices at June 30, 2025, seventh in the market and just ahead of First Commonwealth's $4.02 billion in 50. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Community and commercial banking in Ohio | [Huntington (Ohio)](https://www.bankingnewsai.com/banks/huntington) | Bank | Columbus-headquartered Huntington held 43.7% of Columbus-area deposits at June 30, 2025; First Commonwealth's 13 Columbus-area offices held 0.73% (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Community and commercial banking in Ohio | [Park National](https://www.bankingnewsai.com/banks/park-national) | Bank | An Ohio community-commercial bank with $2.90 billion of Columbus-area deposits in 23 offices at June 30, 2025, against First Commonwealth's $0.87 billion in 13. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Community and commercial banking in Ohio | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Second in the Columbus area with $24.63 billion of deposits (20.77%) in 61 offices at June 30, 2025; a larger competitor of the kind First Commonwealth's 10-K says has more resources and branch systems. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) |
| Mortgage lending | Rocket Mortgage (Rocket Companies) | Non-bank lender | First Commonwealth's 10-K names mortgage banking companies among its principal competitors for loans; Rocket's 10-K calls Rocket Mortgage the nation's largest mortgage originator by loan units, servicing $2.1 trillion of unpaid principal at December 31, 2025. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) |
| Deposits, savings alternatives and stablecoins | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | First Commonwealth's 10-K names money market mutual funds and brokerage and investment firms among its competitors for deposits; Schwab offers both to self-directed retail clients nationally. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) |
| Deposits, savings alternatives and stablecoins | [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Fintech | First Commonwealth's 2025 10-K added a risk factor that stablecoins may function as substitutes for bank deposits; Circle's USDC had $73.3 billion in circulation at June 30, 2026. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results)) |
| Deposits, savings alternatives and stablecoins | Credit unions in Pennsylvania and Ohio | Credit union | First Commonwealth's 10-K names credit unions as competitors subject to a lesser degree of regulation or taxation than banks. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) |
| Trust and wealth management | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | Bank | First Commonwealth's 10-K names trust companies among its competitors; BNY Mellon, N.A. booked $24.81 billion of deposits at one Pittsburgh office at June 30, 2025, second in the market. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## How do the AI and digital offerings of First Commonwealth's competitors compare?

First Commonwealth first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [First Commonwealth Financial Corporation (this page)](https://www.bankingnewsai.com/banks/first-commonwealth) | Not disclosed | [Index 25.9 (#94); 8 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 10-Q: no AI language (Aug 10, 2026) ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000022/fcf-20260331.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | An 'AI factory' with its own GPU compute and in-house models for fraud and call-center tasks (June 2026) ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [F.N.B. (First National Bank of Pennsylvania)](https://www.bankingnewsai.com/banks/fnb) | 10 AI-enabled fraud tools and the Opportunity IQ lead engine (November 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | [Index 60.2 (#47); 15 use cases, 9 in production](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [Citizens](https://www.bankingnewsai.com/banks/citizens) | CiZi assistant, which cut mobile-related call volume 44% ([Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf)) | [Index 85.3 (#11); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising (Sep 29, 2026) ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| S&T Bank | Not disclosed | No profile | Not disclosed |
| Dollar Bank | Not disclosed | No profile | Not disclosed |
| [KeyBank](https://www.bankingnewsai.com/banks/keybank) | AI-handled calls at about $0.25 against $9 for human-handled ones (Q4 2025 call) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | [Index 80 (#21); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| [Fulton Bank](https://www.bankingnewsai.com/banks/fulton) | Salesforce Agentforce, used by 3,000 employees six weeks after its first agent ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) | [Index 44.3 (#66); 12 use cases, 10 in production](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE (Sep 30, 2026) ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| [Huntington (Pittsburgh)](https://www.bankingnewsai.com/banks/huntington) | 50 AI agents in production and more than 60 in development (April 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [Huntington (Ohio)](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [Park National](https://www.bankingnewsai.com/banks/park-national) | AI-powered Auto-Coach for bankers (2025 annual report) ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm)) | [Index 6.6 (#103); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/park-national) | Q2 10-Q: data processing costs up, Tennessee legacy core still running (Aug 7, 2026) ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| Rocket Mortgage (Rocket Companies) | Describes an 'AI-powered, vertically integrated homeownership ecosystem' ([Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) | No profile | Not disclosed |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights generative-AI summaries for self-directed retail clients (May 2026) ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Circle Agent Stack for AI-agent payments (May 2026) ([Circle](https://www.circle.com/pressroom/circle-launches-ai-infrastructure-to-power-the-agentic-economy)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/circle) | Chainalysis counts 138 million agent payments on Base (Oct 14, 2026) ([Fortune](https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/)) |
| Credit unions in Pennsylvania and Ohio | Not disclosed | No profile | Not disclosed |
| [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | Eliza AI platform with about 140 digital employees in production (Q1 2026) ([BNY](https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf)) | [Index 89.8 (#5); 14 use cases, 12 in production](https://www.bankingnewsai.com/banks/bny-mellon) | Q3 call: '400-plus' AI solutions in production; AI spend not broken out (Oct 15, 2026) ([American Banker](https://americanbanker.com/news/while-embedding-ai-everywhere-bny-wont-disclose-costs)) |

## Who should look beyond First Commonwealth, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI assistant in their banking app | [Citizens (CiZi) or Bank of America (Erica)](https://www.bankingnewsai.com/banks/citizens) | First Commonwealth's disclosed AI helps call-center staff rather than customers. Citizens, a Pittsburgh-area rival, says CiZi cut mobile-related call volume 44%, and Bank of America's Erica has helped more than 24.6 million clients. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| People who need branches outside Pennsylvania and Ohio | [PNC or JPMorgan Chase](https://www.bankingnewsai.com/banks/pnc) | First Commonwealth operated 126 community banking offices in 30 counties in western and central Pennsylvania and Ohio at December 31, 2025. PNC ran 265 offices in Pennsylvania alone at June 30, 2025, and Chase reported 5,083 branches in 2025. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Larger businesses that need higher lending limits or treasury services at scale | [PNC or F.N.B.](https://www.bankingnewsai.com/banks/pnc) | First Commonwealth's 10-K says many competitors have higher lending limits and a wider array of services. PNC holds half of Pittsburgh-area deposits, and F.N.B. runs 188 Pennsylvania offices and AI-driven insights in its eStore business-lending application. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [PR Newswire](https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| Savers who want to keep cash with a brokerage | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | First Commonwealth's 10-K names money market funds and brokerage firms as competitors for deposits. Schwab rolled out Portfolio Insights, a generative-AI feature, to all self-directed US retail clients by the end of May 2026. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) |
| Customers in Indiana County who want the largest local branch network | S&T Bank | In Indiana County, where First Commonwealth is headquartered, S&T held 45.83% of deposits in eight offices at June 30, 2025, against First Commonwealth's 25.88% in six (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) |
| Borrowers who want a fully app-based mortgage | Rocket Mortgage | First Commonwealth originates mortgages through its banking offices and Ohio mortgage loan offices. Rocket says clients apply through the Rocket Mortgage app and website, with automated data retrieval and advanced underwriting technology. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm)) |

## Where does First Commonwealth rank among Pennsylvania banks?

Pennsylvania deposits and offices at June 30, 2025 ($563.20 billion in total), summed by this site from the FDIC Summary of Deposits. BNY Mellon and TriState Capital, which book large deposits at one or two offices, are not shown.

| Rank | Bank | Pennsylvania deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | PNC | $147.46 billion | 26.18% | 265 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 2 | Wells Fargo | $38.90 billion | 6.91% | 173 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 3 | Citizens | $34.32 billion | 6.09% | 214 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 5 | First National Bank of Pennsylvania (F.N.B.) | $23.81 billion | 4.23% | 188 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 11 | Fulton Bank | $15.02 billion | 2.67% | 107 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 13 | Northwest Bank | $7.88 billion | 1.40% | 81 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 16 | First Commonwealth Bank | $7.82 billion | 1.39% | 100 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## Where does First Commonwealth rank in the Pittsburgh market?

Deposits and offices in the Pittsburgh metropolitan area at June 30, 2025 ($212.30 billion in total), summed by this site from the FDIC Summary of Deposits. BNY Mellon and TriState Capital book large deposits at one or two offices.

| Rank | Bank | Deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | PNC | $107.46 billion | 50.62% | 91 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 2 | BNY Mellon | $24.81 billion | 11.69% | 1 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 3 | TriState Capital Bank | $19.41 billion | 9.14% | 2 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 4 | First National Bank of Pennsylvania (F.N.B.) | $11.60 billion | 5.46% | 81 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 5 | Citizens | $9.79 billion | 4.61% | 67 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 6 | Dollar Bank | $7.00 billion | 3.29% | 47 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 7 | Huntington | $4.79 billion | 2.26% | 42 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 8 | KeyBank | $4.39 billion | 2.07% | 40 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 9 | First Commonwealth Bank | $4.02 billion | 1.90% | 50 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 10 | S&T Bank | $3.18 billion | 1.50% | 28 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## Who leads in First Commonwealth's home county?

Deposits in branch offices in Indiana County, Pennsylvania, home of First Commonwealth's headquarters, at June 30, 2025 ($3.24 billion in total), summed by this site from the FDIC Summary of Deposits.

| Bank | Deposits | Share | Offices |
| --- | --- | --- | --- |
| S&T Bank | $1.48 billion | 45.83% | 8 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| First Commonwealth Bank | $0.84 billion | 25.88% | 6 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| InFirst Bank | $0.39 billion | 12.07% | 4 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Marion Center Bank | $0.23 billion | 6.98% | 3 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| PNC | $0.19 billion | 5.83% | 2 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## Common questions

### Who are First Commonwealth's biggest competitors?

In the Pittsburgh area, PNC (50.62% of deposits at June 30, 2025), F.N.B., Citizens, Dollar Bank, Huntington and KeyBank are all larger; in its home county of Indiana, S&T Bank leads with 45.83%. In Ohio, Huntington and JPMorgan Chase dominate Columbus. Its 10-K adds credit unions, trust and mortgage companies, money market funds and brokers. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm))

### Is F.N.B. a competitor of First Commonwealth?

Yes, in western Pennsylvania. F.N.B.'s First National Bank of Pennsylvania held $11.60 billion of Pittsburgh-area deposits in 81 offices at June 30, 2025, against First Commonwealth's $4.02 billion in 50, and ran 188 Pennsylvania offices to First Commonwealth's 100. On AI, F.N.B. scores 60.2 on this site's index against 25.9. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000))

### Is S&T Bank a competitor of First Commonwealth?

Yes, most directly at home: in Indiana County, where First Commonwealth is headquartered, S&T held 45.83% of county deposits and First Commonwealth 25.88% at June 30, 2025. S&T also ran 28 Pittsburgh-area offices with $3.18 billion of deposits, just behind First Commonwealth's $4.02 billion. This site has no S&T profile yet. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm))

### Does First Commonwealth see stablecoins as competition?

Yes. Its 2025 10-K added a risk factor that stablecoins, including yield-bearing ones, could hurt its deposits, liquidity and competitive position because some 'may function as substitutes for traditional bank deposits'. Circle's USDC, the dollar stablecoin profiled on this site, had $73.3 billion in circulation at June 30, 2026. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results))

### Who competes with First Commonwealth in Ohio?

In Columbus, where it has 13 offices and 0.73% of deposits, Huntington (43.7%), JPMorgan Chase (20.77%), PNC, Bank of America, Fifth Third and Park National are all larger (June 30, 2025). Its Ohio footprint grew through acquisitions in Columbus, Canton-Massillon and Cincinnati, most recently CenterBank, closed April 30, 2025. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [First Commonwealth Financial Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2025/06/09/3096212/0/en/First-Commonwealth-Finalizes-Conversion-of-Cincinnati-s-Former-CenterBank.html))

### What are alternatives to First Commonwealth for larger businesses?

Banks with higher lending limits and wider product sets, which its own 10-K says many competitors have: PNC, which holds half of Pittsburgh-area deposits, and F.N.B., whose eStore business-lending application adds AI-driven insights. First Commonwealth itself runs commercial Business Centers in Pittsburgh, Berwyn and five Ohio cities. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [PR Newswire](https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1))

### Who competes with First Commonwealth in central Pennsylvania?

Its 10-K says it serves 30 counties across western and central Pennsylvania and Ohio, including State College, Lock Haven, Williamsport and Lewisburg, added through a 2019 branch acquisition. Statewide at June 30, 2025, Fulton (107 offices), Northwest Bank (81), Citizens (214) and PNC (265) all ran larger Pennsylvania networks than First Commonwealth's 100 (FDIC). ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000))

### Is Huntington a competitor of First Commonwealth?

Yes, in both of its states. Huntington held $4.79 billion of Pittsburgh-area deposits in 42 offices at June 30, 2025, just ahead of First Commonwealth's $4.02 billion, and 43.7% of Columbus-area deposits, where First Commonwealth holds 0.73%. Huntington reports 50 AI agents in production (April 2026). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))

### Who competes with First Commonwealth in mortgage lending?

Its 10-K names mortgage banking companies and mortgage companies among its principal loan competitors. The largest is Rocket Mortgage, which its own 10-K calls the nation's largest mortgage originator by loan units, with an AI-powered homeownership platform. Locally, First Commonwealth competes with PNC, F.N.B. and Citizens, which all run larger branch networks in its markets. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Rocket Companies (SEC filing)](https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000))

### First Commonwealth vs PNC: how do they compare?

PNC, headquartered in Pittsburgh, held 50.62% of Pittsburgh-area deposits and 26.18% of Pennsylvania's at June 30, 2025; First Commonwealth held 1.90% and 1.39%. PNC is building its own AI infrastructure with GPU compute and in-house language models; First Commonwealth's AI is vendor-supplied, with a call-center feature its CEO described in July 2026. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505))

## Peers on this site

- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [Community Financial System (Community Bank, N.A.) AI strategy](https://www.bankingnewsai.com/banks/community-bank-na) · [vs peers](https://www.bankingnewsai.com/banks/community-bank-na/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [NBT Bancorp AI strategy](https://www.bankingnewsai.com/banks/nbt) · [vs peers](https://www.bankingnewsai.com/banks/nbt/vs-peers)
- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) · [vs peers](https://www.bankingnewsai.com/banks/first-merchants/vs-peers)
- [Park National Corporation AI strategy](https://www.bankingnewsai.com/banks/park-national) · [vs peers](https://www.bankingnewsai.com/banks/park-national/vs-peers)
- [First Financial Bancorp AI strategy](https://www.bankingnewsai.com/banks/first-financial-ohio) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-ohio/vs-peers)

## Sources

1. First Commonwealth Financial Corporation Form 10-K for the fiscal year ended December 31, 2025 — First Commonwealth Financial Corporation (SEC filing), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm
2. FDIC Summary of Deposits, Pennsylvania branch offices (data as of June 30, 2025; deposit totals and shares summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
3. FDIC Summary of Deposits, Pittsburgh MSA branch offices (data as of June 30, 2025; totals summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
4. FDIC Summary of Deposits, branch offices in Indiana County, Pennsylvania (data as of June 30, 2025; totals summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3APA%20AND%20YEAR%3A2025%20AND%20CNTYNAMB%3AIndiana&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
5. FDIC Summary of Deposits, Columbus, Ohio MSA branch offices (data as of June 30, 2025; totals summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
6. Rocket Companies, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Rocket Companies (SEC filing), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/1805284/000162828026013283/rkt-20251231.htm
7. Circle Reports Second Quarter 2026 Results — Circle, Aug 5, 2026. https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results
8. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
9. First Commonwealth Financial Corporation Form 10-Q for the quarter ended March 31, 2026 — First Commonwealth Financial Corporation (SEC filing), May 11, 2026. https://www.sec.gov/Archives/edgar/data/712537/000071253726000022/fcf-20260331.htm
10. First Commonwealth Financial Corporation Form 10-Q for the quarter ended June 30, 2026 — First Commonwealth Financial Corporation (SEC filing), Aug 10, 2026. https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm
11. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
12. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
13. F.N.B. Corporation Investor Day presentation (Form 8-K, Exhibit 99.1) — F.N.B. Corporation (SEC filings), Nov 5, 2025. https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm
14. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
15. 2025 Annual Review — Citizens Financial Group, Mar 3, 2026. https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf
16. Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending — Citizens (Business Wire via Yahoo Finance), Sep 29, 2026. https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html
17. KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9) — PYMNTS, Jan 23, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/
18. The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank
19. Five Big Ideas Coming Out of Dreamforce 2026 — Salesforce, Sep 24, 2026. https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/
20. Fulton Bank: Frictionless for Customers, Frictionless for Agents — NICE, Sep 30, 2026. https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents
21. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
22. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
23. Huntington Bank's plan to obtain a return on gen AI — American Banker, Sep 11, 2025. https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai
24. Banking on AI: Huntington's CFO on Innovation and Risk Oversight — The Wall Street Journal (Deloitte CFO Journal), Sep 15, 2025. https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb
25. Park National Corporation 2025 Annual Report to Shareholders (Form ARS) — Park National Corporation (SEC filing, ARS), Mar 9, 2026. https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm
26. Park National Corporation Form 10-Q for the quarterly period ended June 30, 2026 — Park National Corporation (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm
27. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
28. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
29. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
30. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
31. Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key — Traders Magazine, Oct 8, 2026. https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/
32. Circle Launches AI Infrastructure to Power the Agentic Economy — Circle, May 11, 2026. https://www.circle.com/pressroom/circle-launches-ai-infrastructure-to-power-the-agentic-economy
33. AI agents are on a shopping spree: Total payments on Base blockchain eclipse 138 million, Chainalysis finds — Fortune, Oct 14, 2026. https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/
34. Quarterly Update Presentation, 1Q 2026 — BNY, Apr 16, 2026. https://www.bny.com/assets/corporate/documents/pdf/investor-relations/earnings/quarterly-update-presentation-1q-2026.pdf
35. While embedding AI 'everywhere,' BNY won't disclose costs — American Banker, Oct 15, 2026. https://americanbanker.com/news/while-embedding-ai-everywhere-bny-wont-disclose-costs
36. Earnings call transcript: First Commonwealth beats Q2 2026 estimates, shares rise — Investing.com, Jul 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505
37. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
38. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
39. FNB Adds Business Platform to eStore Common Application — PR Newswire, Jul 24, 2025. https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html
40. F.N.B. Corporation Further Expands eStore Common Application Capabilities with Introduction of Business Loan Products — PR Newswire via FT Markets, Mar 10, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1
41. First Commonwealth Finalizes Conversion of Cincinnati's Former CenterBank — First Commonwealth Financial Corporation (GlobeNewswire), Jun 9, 2025. https://globenewswire.com/news-release/2025/06/09/3096212/0/en/First-Commonwealth-Finalizes-Conversion-of-Cincinnati-s-Former-CenterBank.html

---

Canonical page: https://www.bankingnewsai.com/banks/first-commonwealth/competitors
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.