Risk factors

First Commonwealth Financial (FCF) risk factors

Item 1A of every First Commonwealth Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    31 risks3 new1 reworded

    New risks highlight escalating fraud, stablecoin competition for deposits, and federal shutdown effects on lending, liquidity, and credit.

    Filed Mar 02, 2026
  • FY2024 10-K risk factors
    28 risks

    Commercial real estate mortgage loans represent 35% of the loan portfolio as of December 31, 2024. Goodwill and other intangible assets total $383.4 million as of December 31, 2024. Core processing operations rely on an external vendor contract.

    Filed Mar 03, 2025