---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-21-000019"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2021-07-27T23:59:59+00:00"
generated_at: "2026-06-30T02:20:01.385553+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q2 net income $29.6M, EPS $0.31; dividend $0.115

## Summary
- Q2 2021 net income $29.6M, diluted EPS $0.31, vs Q2 2020 net income $23.9M, EPS $0.24.
- Net interest margin (FTE) 3.17%, down from 3.29% a year ago and 3.40% in Q1 2021.
- Core pre-tax pre-provision net revenue $42.9M, up from $36.2M in Q2 2020.
- Provision expense $5.4M vs $6.9M in Q2 2020; net charge-offs $3.9M.
- Quarterly cash dividend declared at $0.115 per share, consistent with prior rate.

## SEC filing metadata
- accession: 0000712537-21-000019
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2021-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712537/000071253721000019/0000712537-21-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253721000019/fcf-20210727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-21-000019
- JSON: https://secwatch.observer/filing/0000712537-21-000019.json
- Plain text: https://secwatch.observer/filing/0000712537-21-000019.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.