S & T Bank
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Data as of · sourced from FFIEC call reports. How we update
S & T Bank is an FDIC-insured commercial bank headquartered in Indiana, PA, established in 1902 (FDIC certificate 11124), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $9.94B, up 1.3% from Q2 2025, the 9th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11124
- Headquarters
- Indiana, PA
- Established
- 1902
- Total assets, Q2 2026
- $9.94B
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 13.28%
- Domestic offices
- 76 FDIC institution directory, current count
- Routing number
- 043306855
- Latest call report
- Q2 2026, FFIEC 041 · S & T Bank call report
- Holding company
- S&T BANCORP, INC.
- Asset rank in state
- 9th of 109 in Pennsylvania
S & T Bank leans heavily on commercial real estate. Its balance sheet stood at $9.9 billion at June 30, 2026, up 1.3% from a year earlier; it is based in Indiana, Pennsylvania. It holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times).
The commercial and industrial book ($1.2 billion) is worsening: 1.43% of it is past due or on nonaccrual, up from 0.47% a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.50% of loans, against 0.27% a year earlier.
As of June 30, 2026, S & T Bank reported a CET1 capital ratio of 13.28%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 3.68%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, S & T Bank is the 9th largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 1.3% and deposits fell 1.1%. 1-4 family residential loans made up 29.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.7%. The FDIC Summary of Deposits lists 74 offices for it, in 50 cities across 2 states; its Indiana 4 offices book 10% of its branch deposits. By the capital ratios in its Q2 2026 call report, S & T Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 800 Philadelphia St, Indiana, PA 15701
- County
- Indiana
- Metro Area
- Indiana, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 21, 1902
- Former names
- The Savings & Trust Company of Pennsylvania (1975-1991); The Savings & Trust Company of Indiana (1970-1975)
- Domestic offices
- 76 FDIC institution directory, current count
- Employees (FTE)
- 1,191
- Domestic deposits
- $8.13B
- Allowance for credit losses
- $93.3M
- Net charge-offs (YTD)
- $2.7M
- Average total assets
- $9.88B
- Average total loans
- $8.00B
- Average interest-bearing deposits
- $5.90B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11124
- Fed RSSD
- 936426
- SEC CIK
- 719220 → filed by S&T BANCORP, INC.
- Website
- http://www.stbank.com →
- Parent Holding Company
- S&T BANCORP, INC. (RSSD 1071397) · STBA
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher J. Mccomish | CEO | Chief Executive Officer |
| David G Antolik | PRES | PRESIDENT |
| Mark Kochvar | CFO | SR EXEC VICE PRESIDENT & CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, S & T Bank's total assets ranged from $9.46B (Q3 2023) to $9.94B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.94B total assets against $9.80B; $8.56B total liabilities against $8.39B.
$7.97B net loans and leases against $7.84B; $8.13B total deposits against $7.97B.
$1.01B securities against $1.02B; $217.4M cash and balances due against $202.0M.
$128.0M total interest income against $128.8M; $37.0M total interest expense against $41.5M.
$91.0M net interest income against $87.4M.
$17.3M total noninterest income against $15.9M; $60.2M total noninterest expense against $59.4M.
$1.1M provision for credit losses against $2.0M.
$36.5M net income against $33.5M.
1.48% return on assets against 1.37%; 3.98% net interest margin against 3.87%.
13.28% CET1 capital ratio against 14.18%; 11.02% tier 1 leverage ratio against 11.59%.
Inside the full S & T Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
S & T Bank rankings
Its closest position to the top of a national ranking is 157 of 4,196, for total assets; its furthest is 1,315 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q2 2025) to 1.48% (Q2 2026) and its net interest margin ran from 3.78% (Q1 2025) to 4.02% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.28% | 1.48% | 0.50% | 3.68% | 3.98% |
| Q1 2026 | 13.87% | 1.48% | 0.63% | 4.45% | 3.88% |
| Q4 2025 | 14.30% | 1.43% | 0.69% | 4.71% | 4.02% |
| Q3 2025 | 14.30% | 1.48% | 0.62% | 4.27% | 3.95% |
| Q2 2025 | 14.18% | 1.37% | 0.27% | 1.87% | 3.87% |
| Q1 2025 | 14.25% | 1.44% | 0.29% | 2.00% | 3.78% |
| Q4 2024 | 14.21% | 1.43% | 0.36% | 2.58% | 3.80% |
| Q3 2024 | 14.05% | 1.40% | 0.41% | 2.96% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 74 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| S&T Bank | Indiana , PA | 15701 | $622.5M |
| White Oak Branch | White Oak , PA | 15131 | $258.3M |
| Hampton Avenue Branch | Punxsutawney , PA | 15767 | $250.1M |
| Irwin Route 30 Branch | Irwin , PA | 15642 | $246.0M |
| Liberty Boulevard Branch | Du Bois , PA | 15801 | $239.4M |
| Penn Township Branch | Irwin , PA | 15642 | $221.7M |
| Greensburg Branch | Greensburg , PA | 15601 | $211.4M |
| Camp Hill Branch | Camp Hill , PA | 17011 | $209.5M |
| Holiday Park Branch | Pittsburgh , PA | 15239 | $206.3M |
| Resort Plaza Branch | Blairsville , PA | 15717 | $199.5M |
| Irwin Branch | Irwin , PA | 15642 | $199.4M |
| Plum Branch | Pittsburgh , PA | 15239 | $197.6M |
| Indian Springs Branch | Indiana , PA | 15701 | $196.7M |
| Homer City Branch | Homer City , PA | 15748 | $190.1M |
| Oregon Pike Branch | Lancaster , PA | 17601 | $181.9M |
| Murrysville Branch | Murrysville , PA | 15668 | $176.2M |
| Hillard Branch Office | Hilliard , OH | 43026 | $160.0M |
| Delmont Branch | Delmont , PA | 15626 | $144.9M |
| Cuyahoga Falls | Cuyahoga Falls , OH | 44221 | $143.6M |
| Allegheny Towne Center Branch | Leechburg , PA | 15656 | $140.1M |
| Altoona Regional Bkg Ctr Branch | Altoona , PA | 16602 | $133.5M |
| Fruitville Pike Branch | Lancaster , PA | 17601 | $132.2M |
| Clarion Branch | Clarion , PA | 16214 | $129.0M |
| Haymaker Village Branch | Monroeville , PA | 15146 | $129.0M |
| Akron Branch | Akron , OH | 44333 | $128.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2019 | M&A | Acquired DNB First, National Association merger for the acquired bank | SEC |
| December 1, 2019 | Structure Change | Acquired DNB First, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 9, 2015 | M&A | Acquired Integrity Bank merger for the acquired bank | SEC |
| May 9, 2015 | Structure Change | Acquired Integrity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 9, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 9, 2013 | Structure Change | Acquired Gateway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2013 | M&A | Acquired Gateway Bank merger for the acquired bank | SEC |
| March 10, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 2012 | Structure Change | Acquired Mainline National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 2012 | M&A | Acquired Mainline National Bank merger for the acquired bank | SEC |
| June 7, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 2008 | Structure Change | Acquired Irwin Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 2008 | M&A | Acquired Irwin Bank merger for the acquired bank | SEC |
| September 7, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 7, 2002 | Structure Change | Acquired PFC Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 7, 2002 | M&A | Acquired PFC Bank merger for the acquired bank | SEC |
| May 3, 1997 | Structure Change | Acquired Peoples Bank of Unity Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 1997 | M&A | Acquired Peoples Bank of Unity merger for the acquired bank | SEC |
| May 2, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 1991 | Structure Change | Acquired Atlantic Financial Savings, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 16, 1991 | M&A | Acquired Atlantic Financial Savings, F.A. failure_government_assistance_provided for the acquired bank | SEC |
| July 6, 1991 | Structure Change | Acquired Vanguard Savings Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 6, 1991 | M&A | Acquired Vanguard Savings Bank, FSB failure_government_assistance_provided for the acquired bank | SEC |
| July 5, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1987 | Structure Change | Acquired The Union Banking & Trust Company of Du Bois, Pennsylvania Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1987 | M&A | Acquired The Union Banking & Trust Company of Du Bois, Pennsylvania merger for the acquired bank | SEC |
| May 1, 1986 | M&A | Acquired Homer City State Bank merger for the acquired bank | SEC |
| May 1, 1986 | Structure Change | Acquired Homer City State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1983 | Structure Change | Acquired UniBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1983 | M&A | Acquired UniBank merger for the acquired bank | SEC |
| April 1, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 1970 | M&A | Acquired Farmers and Miners Trust Company merger for the acquired bank | SEC |
| February 16, 1970 | Structure Change | Acquired Farmers and Miners Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 1967 | M&A | Acquired First National Bank of Saltsburg merger for the acquired bank | SEC |
| April 17, 1967 | Structure Change | Acquired First National Bank of Saltsburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 40 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in PA, rank 17 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,091 applications, 2,616 loans originated, $809.5M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 2,865 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about S & T Bank
What are S & T Bank's total assets?
As of the Q2 2026 filing, S & T Bank reported total assets of $9.94 billion in its FFIEC call report.
Where is S & T Bank headquartered?
It is headquartered in Indiana, PA, United States.
When was S & T Bank founded?
It was established in 1902, per the FDIC institution directory.
Is S & T Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11124). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates S & T Bank?
S & T Bank's primary federal regulator is the FDIC.
What is S & T Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does S & T Bank operate?
It operates 76 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is S & T Bank's Texas Ratio?
Its Texas Ratio is 3.68% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was S & T Bank previously called?
The charter now named S & T Bank has also operated as The Savings & Trust Company of Pennsylvania (1975-1991), The Savings & Trust Company of Indiana (1970-1975), per FDIC structure-change records.
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