First Commonwealth Financial Corporation is a bank holding company that provides diversified consumer and commercial banking services through its principal subsidiary, First Commonwealth Bank, along with trust, wealth management, and insurance products to customers across Pennsylvania and Ohio. The company operates a network of community banking offices and serves primarily small and mid-sized businesses and individual consumers, generating revenue principally through net interest income—the spread between interest earned on loans and investments and interest paid on deposits—supplemented by fee income from deposit services, trust and asset management, insurance and brokerage commissions, and card-related interchange revenue. The company's loan portfolio is diversified across commercial real estate, residential real estate, commercial and financial lending, construction, and consumer loans, with no significant concentration in any single industry.