# First Commonwealth Financial Corporation vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/first-commonwealth/vs-peers
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.*

## How does First Commonwealth Financial Corporation compare with its peers on AI and technology?

On this site's AI disclosure index First Commonwealth scores 25.9 (#94 of 120 US banks), sixth in a nine-bank group of Pennsylvania, New York and Ohio Valley banks led by F.N.B. (60.2), Fulton (44.3) and Community Bank (41.9), and ahead of NBT (14.1), Park National (6.6) and First Financial Bancorp (4.4). Its AI record comes mostly from CEO Mike Price on earnings calls. On July 29, 2026 he described a vendor-enabled feature in the call center that surfaces policy and procedure in real time for staff who may work across up to six systems, 'just one small example of probably a dozen or more' AI uses; in April he cited 'our current AI usage' among the tools for scaling efficiently. The bank names no AI vendor, platform or budget, its three latest 10-Qs contain no AI language, and its 10-K treats AI as a source of operational, cyber and fraud risk. It has added people around data and technology: a first enterprise-wide data analytics and strategy leader, Mike Clark from PNC, in December 2025, and a new CIO, Ryan Gorney, on April 27, 2026. Its Pittsburgh rival F.N.B. has put far more on the record: directors of AI and innovation and of data science since September 2025, 10 AI-enabled fraud tools and an Opportunity IQ lead engine producing about 190,000 leads a quarter. Fulton reports 3,000 employees using Salesforce Agentforce six weeks after its first agent. First Commonwealth's relative strength is coverage: it ranks second in the group on independent sources, mainly call transcripts and trade press. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-financial-q1-2026-misses-eps-forecast-93CH-4646594), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253725000129/fcf-20250930.htm), [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), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html), [First Commonwealth Financial Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-appoints-120000098.html), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/))

## Where does First Commonwealth lead its peers on AI?

- **A described call-center AI tool and a count of uses, where NBT and Park give less.** First Commonwealth's CEO described an AI feature that listens to calls and surfaces policy and procedure, one of 'probably a dozen or more' AI uses (July 2026). NBT's CEO letter says AI is used 'thoughtfully and responsibly' without naming a tool, and Park National names one tool, an AI-powered Auto-Coach, with no usage count. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))
- **Second in the group on independent coverage.** First Commonwealth scores 6 on independent sources, second of nine behind First Financial Bancorp (7) and level with F.N.B. and Fulton, well above the group median of 3.5. Its record includes Pittsburgh Business Times coverage of its first enterprise data hire and call transcripts recording the CEO's AI remarks. ([Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-q2-123000772.html))
- **A first enterprise data role, created before several peers name one.** In December 2025 First Commonwealth hired Mike Clark from PNC for its first enterprise-wide data analytics and strategy role. Fulton's 2026 proxy names no chief AI or chief data officer, and NBT's technology owner is its bank president, who has also been CIO since 2006. ([Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013237/ny20059955x1_def14a.htm))

## Where does First Commonwealth trail its peers on AI?

- **No named AI leaders, unlike F.N.B..** First Commonwealth has a new CIO and a data lead but no AI role. F.N.B. named Santosh Sinha director of AI and innovation, responsible for an ethical and compliant AI strategy, and Sundeep Tangirala director of data science in September 2025, under its chief strategy officer. ([First Commonwealth Financial Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-appoints-120000098.html), [Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918))
- **No vendor, platform or adoption figure, while Fulton and Community Bank give one.** First Commonwealth names neither the call-center vendor nor any AI platform. Salesforce says Fulton had 3,000 employees using Agentforce six weeks after its first agent, and Community Bank says more than a dozen people work on AI and that data-processing expense rose 17.9% partly on 'artificial intelligence applications' (Q2 2026). ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm))
- **Few own disclosures: no AI in its quarterly filings.** First Commonwealth ranks eighth of nine on its own primary disclosures (14, against a group median of 23). None of its 10-Qs for the third quarter of 2025 and the first two quarters of 2026 mentions AI, while F.N.B.'s 2025 10-K describes heavy reliance on models, AI and generative AI in credit decisioning, fraud detection and customer engagement. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253725000129/fcf-20250930.htm), [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), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))
- **No AI in fraud or sales, where F.N.B. reports both.** First Commonwealth's AI fraud content is customer education about deepfakes and synthetic identities. F.N.B. told its November 2025 investor day it runs 10 AI-enabled fraud tools and that Opportunity IQ mines more than 270 million transactions for about 190,000 leads a quarter, 80% of them called. ([First Commonwealth Bank](https://www.fcbanking.com/resources/fraud-prevention-resources/evolving-fraud-trends-for-consumers/), [First Commonwealth Bank](https://www.fcbanking.com/resources/fraud-prevention-resources/top-fraud-trends-affecting-business-banking-customers/), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm))

## Where does First Commonwealth rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | [41.9](https://www.bankingnewsai.com/banks/ai-index) | #68 of 120 | [4](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [24](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [9 of 12](https://www.bankingnewsai.com/banks/community-bank-na#where) | [12](https://www.bankingnewsai.com/banks/community-bank-na#timeline) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) |
| [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | [29.8](https://www.bankingnewsai.com/banks/ai-index) | #88 of 120 | [3](https://www.bankingnewsai.com/banks/first-merchants#sources) | [22](https://www.bankingnewsai.com/banks/first-merchants#sources) | [9 of 11](https://www.bankingnewsai.com/banks/first-merchants#where) | [18](https://www.bankingnewsai.com/banks/first-merchants#timeline) | Not disclosed |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | [26.9](https://www.bankingnewsai.com/banks/ai-index) | #92 of 120 | [2](https://www.bankingnewsai.com/banks/wesbanco#sources) | [23](https://www.bankingnewsai.com/banks/wesbanco#sources) | [9 of 12](https://www.bankingnewsai.com/banks/wesbanco#where) | [17](https://www.bankingnewsai.com/banks/wesbanco#timeline) | Not disclosed |
| [First Commonwealth Financial Corporation (this page)](https://www.bankingnewsai.com/banks/first-commonwealth) | [25.9](https://www.bankingnewsai.com/banks/ai-index) | #94 of 120 | [6](https://www.bankingnewsai.com/banks/first-commonwealth#sources) | [14](https://www.bankingnewsai.com/banks/first-commonwealth#sources) | [7 of 8](https://www.bankingnewsai.com/banks/first-commonwealth#where) | [10](https://www.bankingnewsai.com/banks/first-commonwealth#timeline) | Not disclosed |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | [14.1](https://www.bankingnewsai.com/banks/ai-index) | #100 of 120 | [3](https://www.bankingnewsai.com/banks/nbt#sources) | [15](https://www.bankingnewsai.com/banks/nbt#sources) | [6 of 8](https://www.bankingnewsai.com/banks/nbt#where) | [12](https://www.bankingnewsai.com/banks/nbt#timeline) | Not disclosed |
| [Park National Corporation](https://www.bankingnewsai.com/banks/park-national) | [6.6](https://www.bankingnewsai.com/banks/ai-index) | #103 of 120 | [2](https://www.bankingnewsai.com/banks/park-national#sources) | [10](https://www.bankingnewsai.com/banks/park-national#sources) | [5 of 8](https://www.bankingnewsai.com/banks/park-national#where) | [10](https://www.bankingnewsai.com/banks/park-national#timeline) | Not disclosed |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | [4.4](https://www.bankingnewsai.com/banks/ai-index) | #105 of 120 | [7](https://www.bankingnewsai.com/banks/first-financial-ohio#sources) | [24](https://www.bankingnewsai.com/banks/first-financial-ohio#sources) | [8 of 11](https://www.bankingnewsai.com/banks/first-financial-ohio#where) | [17](https://www.bankingnewsai.com/banks/first-financial-ohio#timeline) | Not disclosed |

## On which parts of the AI record is First Commonwealth ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of First Commonwealth and the 8 peers that are scored on the same basis. "Place" is First Commonwealth's position in the group of 9 (1st = most).

| Component (weight) | First Commonwealth | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 6 | 3.5 | [First Financial Bank (7)](https://www.bankingnewsai.com/banks/first-financial-ohio) | 2nd of 9 |
| Use cases in production (10%) | 7 | 9 | [Fulton (10)](https://www.bankingnewsai.com/banks/fulton) | 7th of 9 |
| Own primary disclosures (10%) | 14 | 23 | [FNB (25)](https://www.bankingnewsai.com/banks/fnb) | 8th of 9 |
| Dated moves, last 12 months (10%) | 10 | 17 | [FNB (21)](https://www.bankingnewsai.com/banks/fnb) | 8th of 9 |
| Disclosed numbers (5%) | 12 | 13 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 6th of 9 |
| Named AI leaders (5%) | 6 | 6.5 | [FNB (9)](https://www.bankingnewsai.com/banks/fnb) | 5th of 9 |
| Use cases described (5%) | 8 | 11.5 | [FNB (15)](https://www.bankingnewsai.com/banks/fnb) | 7th of 9 |

## What has each bank in First Commonwealth's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [First Commonwealth Financial Corporation](https://www.bankingnewsai.com/banks/first-commonwealth) | Not disclosed | [6, incl. Mike Price (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/first-commonwealth#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505)) | Full-time employees: 1,522 full-time and 55 part-time (Dec 31, 2025) ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) | Not disclosed | Not surveyed |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#roles) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) | [5, incl. Dimitar A. Karaivanov (President and CEO)](https://www.bankingnewsai.com/banks/community-bank-na#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [American Banker](https://www.americanbanker.com/news/new-york-bank-doubles-down-on-insurance-with-big-investment)) | Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html)) | Not disclosed | Not surveyed |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Not disclosed | [5, incl. Jeff Jackson (President and CEO)](https://www.bankingnewsai.com/banks/wesbanco#people) ([WesBanco](https://wesbanco.com/wp-content/uploads/2026/03/2025-Annual-Report-ADA-Compliant.pdf), [WesBanco (PR Newswire)](https://www.prnewswire.com/news-releases/wesbanco-announces-second-quarter-2026-financial-results-302831242.html)) | Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) | Not disclosed | Not surveyed |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | Not disclosed | [6, incl. Scott A. Kingsley (President and CEO)](https://www.bankingnewsai.com/banks/nbt#people) ([NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2024/05/21/2885872/15780/en/NBT-Bancorp-Inc-Completes-Leadership-Transition.html)) | Full-time equivalent employees: 2,303 (Dec 31, 2025) ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm)) | Not disclosed | Not surveyed |
| [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | Not disclosed | [7, incl. Mark K. Hardwick (President and CEO)](https://www.bankingnewsai.com/banks/first-merchants#people) ([First Merchants Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-merchants-corporation-announces-second-200500052.html), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/06/04/first-merchants-bank-recognized-on-forbes--world-s-best-banks-2026), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm)) | Digital platform conversion cost (non-core, 2024): $2.4 million (Dec 31, 2024) ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm)) | Not disclosed | Not surveyed |
| [Park National Corporation](https://www.bankingnewsai.com/banks/park-national) | Not disclosed | [6, incl. Matthew R. Miller (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/park-national#people) ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2025/07/29/3123162/4491/en/Park-National-Corporation-names-Matthew-R-Miller-Chief-Executive-Officer-David-L-Trautman-to-continue-as-Board-Chair.html)) | Virtual voice assistant self-service growth: 132% in 2025 (Dec 31, 2025) ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm)) | Not disclosed | Not surveyed |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Not disclosed | [7, incl. Archie Brown (Chief Executive Officer)](https://www.bankingnewsai.com/banks/first-financial-ohio#people) ([American Banker](https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months), [First Financial Bancorp (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-financial-bancorp-announces-second-203000197.html), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm)) | AI references in the 10-K, FY2023 / FY2024 / FY2025: none / 1 passage / about 25 (Feb 19, 2026) ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895524000018/ffbc-20231231.htm), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895525000012/ffbc-20241231.htm), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/first-financial-ohio#roles) |

## What are the latest dated moves on the AI record of First Commonwealth and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 1, 2026 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | CEO succession: Stewart to replace Hardwick on 1 January 2027 ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/10/01/first-merchants-bank-ceo-mark-hardwick-to-retire-at-the-end-of-2026-and-president-mike-stewart-to-become-president-and-ceo)) |
| Sep 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 14, 2026 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | Succession reshuffle: Anderson president, former CIO Myers COO ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm), [American Banker](https://www.americanbanker.com/news/after-year-of-rapid-growth-ohio-bank-revamps-its-top-ranks)) |
| Aug 27, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| Aug 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 11, 2026 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | Customer warning on bank-impersonation scams ([First Merchants Bank](https://firstmerchants.com/why-us/news/news-detail/2026/08/11/it-could-happen-to-you--bank-impersonation-scams)) |
| Aug 10, 2026 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 10-Q: no AI language ([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)) |
| Aug 7, 2026 | [Park National](https://www.bankingnewsai.com/banks/park-national) | Q2 10-Q: data processing costs up, Tennessee legacy core still running ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm)) |
| Aug 7, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 10-Q: no AI language ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm)) |
| Aug 7, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 10-Q: AI applications again cited for data-processing growth ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926092717/cbu-20260630x10q.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Aug 6, 2026 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | Q2 2026 10-Q: no AI language ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000144/ffbc-20260630.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-financial-bancorp-posts-q2-2026-profit-beat-93CH-4806062)) |
| Aug 5, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm)) |
| Jul 30, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q2 2026 10-Q has no AI language ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526326145/wsbc-20260630.htm)) |
| Jul 29, 2026 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 call: call-centre AI example ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-q2-123000772.html)) |
| Jul 28, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 call: technology investment in the expense outlook ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html)) |
| Jul 28, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 call: headcount flat, AI impact to be known in about six months ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Jul 27, 2026 | [Park National](https://www.bankingnewsai.com/banks/park-national) | Q2 2026 results; conversion on track for third quarter ([Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/27/3333881/0/en/park-national-corporation-reports-financial-results-for-second-quarter-and-first-half-of-2026.html)) |

## How does First Commonwealth's AI compare with its regional peers'?

What each bank in the group has put on the record about AI tools, who owns them and what its filings say. A blank means nothing is disclosed, not that nothing exists.

| Bank | AI tool or usage on the record | Who owns AI or data | AI in filings |
| --- | --- | --- | --- |
| First Commonwealth | Vendor-enabled call-center feature surfacing policy and procedure; 'a dozen or more' uses (July 2026) | CIO Ryan Gorney (from April 27, 2026); data lead Mike Clark (December 2025) | 10-K risk factors on AI and algorithms, AI-enabled attacks and AI-enhanced fraud; none in 2026 10-Qs ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [First Commonwealth Financial Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-appoints-120000098.html), [Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm)) |
| F.N.B. | 10 AI-enabled fraud tools; Opportunity IQ leads; AI-driven insights in eStore business lending | Directors of AI and innovation and of data science (September 2025) | Heavy reliance on models, AI and generative AI described in the 2025 10-K ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [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), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |
| Fulton | Salesforce Agentforce, 3,000 users in six weeks; call summarization saving three to five minutes a call | CIO Angela Sargent; COO and technology officer Kevin Gremer | Same AI risk sentence in FY2024 and FY2025 10-Ks ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm)) |
| Community Bank | More than a dozen people on AI; gains in application development; automation saved 200,000+ hours over three years | Not named | Data-processing expense up 17.9% including AI applications (Q2 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/community-financial-system-q4-earnings-174045425.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| WesBanco | Automation and AI in loan operations, the call center and credit underwriting (investor decks) | Chief Administrative Officer Jan Pattishall-Krupinski | AI named among competitors' technologies ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| NBT | AI used 'thoughtfully and responsibly', mostly through third-party systems | Joseph Stagliano, bank president and CIO | AI enters mostly through third-party systems; internal AI tools go through model validation (FY2025 10-K) ([NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013237/ny20059955x1_def14a.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm)) |

## How does First Commonwealth compare with the big banks in the Pittsburgh market on AI?

The banks with the most Pittsburgh-area deposits at June 30, 2025 (FDIC Summary of Deposits, summed by this site), and their AI record.

| Bank | Pittsburgh-area deposits and offices | AI on the record | Date |
| --- | --- | --- | --- |
| PNC | $107.46 billion, 91 offices (50.62%) | An 'AI factory' with its own GPU compute and in-house language models for fraud and call-center tasks | June 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory)) |
| F.N.B. (First National Bank of Pennsylvania) | $11.60 billion, 81 offices (5.46%) | 10 AI-enabled fraud tools; Opportunity IQ | November 2025 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) |
| Citizens | $9.79 billion, 67 offices (4.61%) | CiZi assistant cut mobile-related call volume 44% | 2025 annual report ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Citizens Financial Group](https://investor.citizensbank.com/~/media/Files/C/CitizensBank-IR/pro-014217-2-cfg-ar-2025-web-ready.pdf)) |
| Huntington | $4.79 billion, 42 offices (2.26%) | 50 AI agents in production, more than 60 in development | April 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| First Commonwealth | $4.02 billion, 50 offices (1.90%) | Call-center AI feature; 'a dozen or more' uses | July 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A38300%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505)) |

## Who runs technology at First Commonwealth and its peers?

The named technology, data and AI owners and when they took the role.

| Bank | Role | Person | Since |
| --- | --- | --- | --- |
| First Commonwealth | EVP and Chief Information Officer (IT, digital strategy, operations, transformation) | Ryan L. Gorney, previously CIO of Primis Bank | April 27, 2026 ([First Commonwealth Financial Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-appoints-120000098.html), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000015/fcf-20260415.htm)) |
| First Commonwealth | Enterprise data analytics and strategy (first holder of the role) | Mike Clark, from PNC | December 2025 ([Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html)) |
| F.N.B. | Director of AI and innovation; director of data science | Santosh Sinha; Sundeep Tangirala | September 2025 ([F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) |
| Fulton | Chief operations and technology officer | Kevin Gremer | August 2025 ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm)) |
| Busey (outside the group, for comparison) | Director of AI, data science and insights | Adrianne Bernini | April 2026 ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights)) |

## Which banks are First Commonwealth's peers, and why these?

First Commonwealth Financial Corporation is compared here with F.N.B. Corporation, Fulton Financial Corporation, Community Financial System (Community Bank, N.A.), WesBanco, NBT Bancorp, First Merchants Corporation, Park National Corporation and First Financial Bancorp: chosen by the editors for this page (see the note below the table). First Commonwealth Financial Corporation is classed as a regional or retail-commercial bank in the Northeast.

The computed group mixed in New York City, Colorado, Oklahoma and Texas banks; this group holds the Pennsylvania, upstate New York and Ohio Valley community-commercial banks First Commonwealth meets or borders, led by Pittsburgh's F.N.B. and Lancaster's Fulton, with Park National and First Financial Bancorp for its Ohio markets.

## Common questions

### Does First Commonwealth use AI?

Yes, according to its CEO. On the July 29, 2026 call Mike Price described a vendor-enabled AI feature in the call center that surfaces policy and procedure in real time, and called it one of 'probably a dozen or more' uses. The bank names no vendor or platform, and its 2026 10-Qs contain no AI language. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [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))

### Is First Commonwealth better than F.N.B. at AI?

The record cannot settle capability, but F.N.B. has put far more on it: 60.2 on this site's disclosure index against First Commonwealth's 25.9. F.N.B. names directors of AI and of data science, reports 10 AI-enabled fraud tools and an AI lead engine, and its 10-K describes heavy reliance on AI models. First Commonwealth describes one call-center feature. ([F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505))

### How does First Commonwealth compare with Fulton on AI?

Fulton scores 44.3 on this site's index and First Commonwealth 25.9. Fulton's AI comes from vendors it names: Salesforce Agentforce, used by 3,000 employees six weeks after its first agent, NICE CXone agent assist, and call summarization that saved agents three to five minutes a call. First Commonwealth's call-center AI is also vendor-supplied, but the vendor is not named. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505))

### Who leads technology and AI at First Commonwealth?

Ryan L. Gorney became EVP and Chief Information Officer on April 27, 2026, succeeding Norm Montgomery after 37 years; the bank's April 15, 2026 8-K discloses that he is the son of Board Chair Jon L. Gorney. Mike Clark leads enterprise data analytics and strategy. No AI-specific executive is named. ([First Commonwealth Financial Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-appoints-120000098.html), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000015/fcf-20260415.htm), [Pittsburgh Business Times (bizjournals.com)](https://www.bizjournals.com/pittsburgh/news/2025/12/15/first-commonwealth-data-hire-pnc.html))

### Does First Commonwealth have an AI assistant for customers?

Not one it has disclosed. Its described AI feature helps call-center employees, not customers directly. Citizens, which competes with it in Pittsburgh, says its CiZi assistant cut mobile-related call volume 44%, and PNC is building in-house language models for call-center tasks. ([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), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory))

### How does First Commonwealth's AI disclosure compare with Community Bank's?

Community Bank scores 41.9 against First Commonwealth's 25.9. Its management says more than a dozen people work on AI, a handful full time, that automation saved more than 200,000 hours over three years, and that data-processing expense rose 17.9% partly on AI applications. First Commonwealth gives a count of uses but no staffing or cost figure. ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/community-financial-system-q4-earnings-174045425.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505))

### Does First Commonwealth use AI to fight fraud?

It has not said so. Its 10-K says AI may further enhance criminals' ability to commit fraud despite its monitoring and fraud-detection systems, and its fraud pages teach customers about AI deepfakes, synthetic identities and AI-driven phishing. F.N.B. reports 10 AI-enabled fraud tools, and PNC is building in-house language models for fraud tasks. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [First Commonwealth Bank](https://www.fcbanking.com/resources/fraud-prevention-resources/evolving-fraud-trends-for-consumers/), [First Commonwealth Bank](https://www.fcbanking.com/resources/fraud-prevention-resources/top-fraud-trends-affecting-business-banking-customers/), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory))

### How does First Commonwealth compare with WesBanco and NBT?

First Commonwealth scores 25.9 on this site's index, WesBanco 26.9 and NBT 14.1. WesBanco's investor decks say it is advancing automation and AI in loan operations, the call center and credit underwriting; NBT's 10-K says AI enters mostly through third-party systems, with internal tools going through model validation. First Commonwealth's CEO counts 'a dozen or more' AI uses. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505))

### What does First Commonwealth's 10-K say about AI?

The FY2025 10-K, filed March 2, 2026, says implementing AI and algorithms may have unintended consequences, that cyberattack techniques are evolving with AI, and that AI may further enhance criminals' ability to commit fraud. The FY2024 10-K already carried the sentence on AI and algorithms. The 2026 proxy lists AI among desired board qualifications. ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253725000061/fcf-20241231.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000119312526115933/d903157ddef14a.htm))

## 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. 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
2. Earnings call transcript: First Commonwealth Financial Q1 2026 misses EPS forecast — Investing.com, Apr 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-financial-q1-2026-misses-eps-forecast-93CH-4646594
3. First Commonwealth Financial Corporation Form 10-Q for the quarter ended September 30, 2025 — First Commonwealth Financial Corporation (SEC filing), Nov 10, 2025. https://www.sec.gov/Archives/edgar/data/712537/000071253725000129/fcf-20250930.htm
4. 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
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