{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-22-000031","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2022-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.972228+00:00","generated_at":"2026-06-24T08:56:13.922641+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"First Commonwealth Q2 EPS $0.33, NIM expands to 3.38%; declares $0.12 dividend","bullets":["Reported net income of $30.8M, diluted EPS $0.33, up from $0.29 in Q1 2022 and $0.31 a year ago.","Net interest margin (FTE) improved to 3.38% from 3.19% in Q1 2022 and 3.17% in Q2 2021.","Provision for loan losses increased to $4.1M from $2.0M in Q1 2022, with a reserve build of $2.4M.","Core efficiency ratio improved to 55.87% from 59.47% in Q1 2022.","Board declared a quarterly cash dividend of $0.12 per share, payable August 26, 2022 to holders of record August 12, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-22-000031","json":"https://secwatch.observer/filing/0000712537-22-000031.json","markdown":"https://secwatch.observer/filing/0000712537-22-000031.md","text":"https://secwatch.observer/filing/0000712537-22-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253722000031/0000712537-22-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253722000031/fcf-20220726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:56:13.922641+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}