---
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"
generated_at: "2026-06-24T08:56:13.922641+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q2 EPS $0.33, NIM expands to 3.38%; declares $0.12 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-22-000031
- JSON: https://secwatch.observer/filing/0000712537-22-000031.json
- Plain text: https://secwatch.observer/filing/0000712537-22-000031.txt

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