BanksS & T BANK

S & T BANK

INDIANA, PALargeEst. May 21, 1902, midnightFDIC #11124RSSD #936426FDIC
Latest · 2025-12-31

S & T BANK is an 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%. CET1 capital ratio: 14.30%, well above regulatory minimums. NPL ratio: 0.69% · Texas Ratio: 3.57%. Operates 74 domestic branches.

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 Margin4.05%
Yield on Assets5.79%
Cost of Funds1.93%

Asset Quality

NPL Ratio0.69%
Net Charge-Off Ratio0.18%
Texas Ratio3.57%
NPA Ratio0.56%
ACL / Loans1.15%

Capital & Liquidity

CET1 Ratio14.30%
Tier 1 Capital14.30%
Total Capital Ratio15.86%
Leverage Ratio11.91%
Loan-to-Deposit101.28%

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