UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-11138 | --- | --- | --- | |-----------------------------------------|---------------------------------------------------------------|------- ...

圈 Commonwealth。 • • • • • • • • • • • • • • • • • • • NYSE: FCF lm ionwealth。 2Q 2022 Earnings Release Webcast Presentation July 27, 2022 園CFIRST Commonwealth 2 FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements about First Commonwealth's future plans, strategies and financial performance. These statements can be identified by the fact that they do not relate strictly to historical or current facts and often include words such as "believe," "expect," "anticipate," "intend," "pl ...

First Commonwealth Financial Corp (NYSE:FCF) Q2 2022 Earnings Conference Call July 27, 2022 2:00 PM ET Company Participants Ryan Thomas - VP, Finance and IR Thomas Price - President, CEO & Director James Reske - EVP, CFO & Treasurer Conference Call Participants Stephen Moss - B. Riley Securities, Inc. Karl Shepard - RBC Capital Markets Michael Perito - KBW Frank Schiraldi - Piper Sandler & Co. Matthew Breese - Stephens Inc. Daniel Tamayo - Raymond James & Associates Operator Good afternoon. My name is Emma, ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-11138 | --- | --- | --- | |-----------------------------------------|---------------------------------------------------------------|------ ...

First Commonwealth Financial Corporation (NYSE:FCF) Q1 2022 Earnings Conference Call April 27, 2022 2:00 PM ET Company Participants Ryan Thomas – Vice President-Finance and Investor Relations Mike Price – President and Chief Executive Officer Jim Reske – Chief Financial Officer Jane Grebenc – Bank President and Chief Revenue Officer Brian Karrip – Executive Vice President and Chief Credit Officer Conference Call Participants Russell Gunther – D.A. Davidson Daniel Tamayo – Raymond James Michael Perito – KBW ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file Number 001-11138 FIRST COMMONWEALTH FINANCIAL CORPORATION | --- | --- | |---------------------------------------------------------------- ...

圈 Commonwealth。 • • • • • • • • • • • • • • • • • • • NYSE: FCF lm nonwealth. 4Q 2021 Earnings Release Webcast Presentation January 26, 2021 園CFIRST Commonwealth 2 FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements about First Commonwealth's future plans, strategies and financial performance. These statements can be identified by the fact that they do not relate strictly to historical or current facts and often include words such as "believe," "expect," "anticipate," "intend," ...

Financial Data and Key Metrics Changes - The net income for Q4 2021 was $34.8 million, an increase of $684,000 compared to Q3 2021 [10] - Core earnings per share improved to $0.37, a penny better than the previous quarter [10] - The core return on assets (ROA) was reported at 1.45% [10] - The pre-tax pre-provision ROA was 1.71% [10] - The allowance for credit losses (ACL) to loans ratio stood at 1.3% with low delinquency and charge-offs [10] Business Line Data and Key Metrics Changes - Loan growth excluding PPP was 11.2% in Q4 2021, with significant contributions from various segments [10] - Commercial and industrial (C&I) lending increased by $26 million, or 9.6% annualized, reaching $1.1 billion [11] - Commercial construction loans rose by $65 million from a base of $318 million [11] - Residential mortgage loans increased by $53 million, or 10.6%, totaling $2 billion [11] - Consumer loans grew by $23 million, or 9.4%, reaching $1 billion, with indirect auto loans contributing $15 million [11] Market Data and Key Metrics Changes - The company reported strong loan growth in three Ohio markets, exceeding 22% or $500 million for the year [12] - The company is now the number one SBA lender in Pittsburgh and a top lender in Ohio, with SBA gain on sales improving by $3.1 million to $6.8 million in 2021 [7] Company Strategy and Development Direction - The company is focused on multi-year investments in core systems, digital technologies, and expanding fee businesses [5] - The strategy includes a lift-out approach to enter the equipment finance space, with expectations for first origination in Q1 2022 [8] - The company aims for organic loan growth in the mid-to-high single digits, potentially approaching double-digit growth when including equipment finance [16] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about loan growth prospects and asset sensitivity positioning for net interest margin (NIM) expansion in 2022 [6] - The GAAP NIM is expected to rebound in the second half of 2022 after losing the benefit of PPP in the first half [14] - Management anticipates steady fee income in 2022, offsetting declines in mortgage gain on sale income with growth in other areas [16] Other Important Information - The company repurchased 2.1 million shares in 2021 at an average price of $14.29, with approximately $20 million remaining under the current repurchase authorization [9][17] - Digital engagement metrics showed significant growth, with mobile remote deposit capture items increasing by 43% in 2021 [9] Q&A Session Summary Question: Clarification on loan growth expectations - Management clarified that mid-to-high single-digit growth excludes equipment finance, which could add to overall growth [18] Question: Expectations on core NIM with rate hikes - A 25 basis point hike is expected to improve NIM by about 5 to 7 basis points [20] Question: Thoughts on share repurchase strategy - Management views share repurchases as an appropriate way to return capital, with plans to repurchase shares when prices are favorable [24] Question: Guidance on margin and excess liquidity usage - Management expects GAAP NIM to lose the benefit of PPP early in the year but anticipates convergence with core NIM by year-end [27] Question: Equipment finance growth expectations - The company expects equipment finance to contribute significantly to growth, with yields anticipated in the high fours [32] Question: Tax rate guidance for 2022 - The expected tax rate for 2022 is about 19% [57]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-11138 | --- | --- | |---------------------------------------------------------------------------------------------------------|-------- ...

First Commonwealth Financial Corporation (NYSE:FCF) Q3 2021 Earnings Conference Call October 27, 2021 2:00 PM ET Company Participants Ryan Thomas - Vice President of Finance and Investor Relations Mike Price - President and Chief Executive Officer Jim Reske - Chief Financial Officer Jane Grebenc - Bank President and Chief Revenue Officer Brian Karrip - Chief Credit Officer Conference Call Participants Mike Perito - KBW Steven Duong - RBC Capital Markets Daniel Tamayo - Raymond James Russell Gunther - D.A. D ...