First Commonwealth Bank
SBA lender based in Pennsylvania serving 36 states and 91 industries
Is First Commonwealth Bank the right SBA lender for your deal?
First Commonwealth Bank has funded 4,123 SBA loans across 36 states and 91 industries. Their average loan size is $324K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. Historical volume is not a quote. PeerSense does not speak for First Commonwealth Bank.
First Commonwealth Bank is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in house, which speeds underwriting and closing. First Commonwealth Bank has funded 4,123 SBA 7(a) loans across 36 states, averaging $324K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
- Main office
- 654 Philadelphia St, Indiana, PA 15701
- Domestic offices
- 129
- Established
- 1880
- FDIC certificate
- 7468
- Website
- www.fcbanking.com
Source: FDIC BankFind public database, checked October 1, 2026.
Top Lending States
Talk to PeerSense. The lender underwrites the file.
Talk to PeerSenseFOIA history for First Commonwealth Bank
FOIA history for First Commonwealth Bank: 4,123 SBA loans across 36 states, average size $324K. Highest volume NAICS in the tape: Limited-Service Restaurants. Highest volume state in the tape: Pennsylvania. Resolved loan charge off rate: 10.3%. That is history, not a buy box and not a prediction they will fund your file. Talk to PeerSense.
Recent SBA Activity at First Commonwealth Bank
Franchise lending: First Commonwealth Bank has funded SBA loans for multiple franchise concepts, with the highest volume in FOX'S PIZZA DEN, Biggby Coffee, and Duck Donuts. Lender franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re trade less.
Industry concentration: The lender's highest volume SBA industries are Limited-Service Restaurants, Amusement & Recreation, and Personal Care Services. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Pennsylvania, Ohio, Texas, Florida, and Kentucky. Lenders typically underwrite faster in states where they already have closing comps.
Compare First Commonwealth Bank to Similar SBA Lenders
Other SBA lenders headquartered in Pennsylvania with similar deal size profiles. Borrowers should always compare 3 to 5 lenders before committing.
Looking for SBA Financing?
Talk to PeerSense. The lender underwrites the file. Size, industry, and location come from the public tape. PeerSense sources capital through a curated network of commercial lenders and capital sources.
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About First Commonwealth Bank SBA Lending
First Commonwealth Bank is an SBA lender headquartered in Pennsylvania. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
First Commonwealth Bank serves borrowers across 36 states and 91 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether First Commonwealth Bank is a fit for your deal, Talk to PeerSense.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, Talk to PeerSense The desk sources capital from lenders with a record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5 to 3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
DSCR Investor
SearchSearch path. Portfolio and multi property DSCR of $10 million and up.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.