S & T BANK

INDIANA, PA | Large | Est. May 21, 1902, midnight | FDIC #11124 | RSSD #936426 | FDIC
Latest Report: 2025-12-31

S & T BANK is aln large FDIC-insured commercial bank headquartered in INDIANA, PA, established in May 21, 1902, midnight. As of 2025-12-31, the bank reported total assets of $9.9B and total deposits of $8.0B. Profitability stands at 1.43% ROA and 9.68% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 14.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.69% and a Texas Ratio of 3.57%. FDIC Certificate #11124.

Assets

$9.9B

Deposits

$8.0B

Loans

$8.1B

Equity

$1.5B

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 9.68%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.79%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.69%
Net Charge-Off Ratio 0.18%
Texas Ratio 3.57%
NPA Ratio 0.56%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 14.30%
Tier 1 Capital 14.30%
Total Capital Ratio 15.86%
Leverage Ratio 11.91%
Loan-to-Deposit 101.28%

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