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Lender record

First Commonwealth Bank

The real lending record — every figure below is drawn from public SBA 7(a) loan records (FY2020–present): the loans First Commonwealth Bank funded, the businesses, the branches, and its FDIC profile. HQ: 654 Philadelphia St, Indiana, PA. 129 branches.

1,085

Recent deals (FY20+)

$400K

Typical deal

17 days

Approval → funding

0.6%

Failure rate (FY20–23)

Where First Commonwealth Bank lends

Deals First Commonwealth Bank funded — list all 500 as text

Deal profile

Most First Commonwealth Bank deals land between $197K and $893K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Limited-Service Restaurants (57)
  2. 2.Full-Service Restaurants (40)
  3. 3.Fitness and Recreational Sports Centers (29)
  4. 4.Plumbing, Heating, and Air-Conditioning Contractors (27)
  5. 5.All Other Specialty Trade Contractors (27)
  6. 6.General Automotive Repair (26)
  7. 7.Snack and Nonalcoholic Beverage Bars (24)
  8. 8.All Other Amusement and Recreation Industries (20)

Most active states

  1. 1.Pennsylvania (426 deals)
  2. 2.Ohio (373 deals)
  3. 3.Texas (108 deals)
  4. 4.Florida (51 deals)
  5. 5.Kentucky (25 deals)
  6. 6.North Carolina (9 deals)
  7. 7.Illinois (9 deals)
  8. 8.New Jersey (9 deals)
  9. 9.Virginia (6 deals)
  10. 10.Massachusetts (5 deals)

Franchises they finance most

Biggby Coffee

23 deals

The Little Gym

14 deals

Duck Donuts

7 deals

ServiceMaster

7 deals

The Back Nine

6 deals

Can First Commonwealth Bank fund you? The bank behind the loans

Total assets

$12.2B

▼ 0.6% vs prior quarter

Deposits on hand

$10.5B

▲ 1.6% vs prior quarter

Loans outstanding

$9.3B

▼ 3.3% vs prior quarter

Net income (latest qtr)

$39.5M

  • •An active SBA program (~0.7% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes First Commonwealth Bank more SBA-focused than 71% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.29% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Recent deals

  • Cursive Solutions, Inc. in Mason, OH — $4.6M (2026) · Packaging and Labeling Services
  • Modern Psychiatry and Wellness LLC in Dayton, OH — $4.5M (2026) · Offices of Physicians, Mental Health Specialists
  • Gavco Materials, Inc. in Carmichaels, PA — $3.6M (2026) · Ready-Mix Concrete Manufacturing
  • OH Golf Carts, LLC in Sunbury, OH — $2.9M (2026) · Motorcycle, ATV, and All Other Motor Vehicle Dealers
  • Twisted Computing Incorporated in Greensburg, PA — $2.5M (2026) · Computer Systems Design Services
  • King's Harvest Holdings, LLC in Stafford, TX — $2.1M (2026) · New Multifamily Housing Construction (except For-Sale Builde
  • Crosstown Movers Inc. in Cuyahoga Falls, OH — $1.7M (2026) · purchase · Used Household and Office Goods Moving
  • Pioneer Land Investments LLC in Muncy Valley, PA — $1.5M (2026) · RV (Recreational Vehicle) Parks and Campgrounds
  • L & T Dalrymple Properties LLC in West Liberty, OH — $1.5M (2026) · Confectionery and Nut Retailers
  • Lodestar Investment Group, LLC in Pittsburgh, PA — $1.2M (2026) · Other Building Material Dealers

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Failed deals

4 of First Commonwealth Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses First Commonwealth Bank financed

811 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with First Commonwealth Bank.

Agent summary

This page summarizes First Commonwealth Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 1,085 SBA 7(a) loans on record
  • $400K typical deal
  • 152 business-acquisition loans
  • HQ: 654 Philadelphia St, Indiana, PA
  • FDIC total assets $12.2B

Next steps

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Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-30.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/first-commonwealth-bank
API:
https://www.capbench.com/api/public/lenders/first-commonwealth-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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