S & T Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which fell 4.0% to $717.2M. S & T Bank ranks 41st of 72 Pennsylvania banks on CET1 ratio, in the lower half at 13.28% (Q2 2026). At 13.28%, S & T Bank's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.28% |
| Tier 1 risk-based capital ratio | 13.28% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 11.02% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.05B |
| Tier 1 capital | $1.05B |
| Total risk-based capital | $1.17B |
| Total equity capital | $1.37B |
| Risk-weighted assets | $7.90B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.83% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 13.91% |
| Internal capital growth rate | -8.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $704.4M |
| Retained earnings | $717.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$49.3M |
| Subordinated notes and debentures | $25.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.95% | 12.95% | 14.53% | 10.72% | $7.51B |
| Q4 2023 | 13.18% | 13.18% | 14.76% | 10.79% | $7.55B |
| Q1 2024 | 13.37% | 13.37% | 14.95% | 10.86% | $7.52B |
| Q2 2024 | 13.60% | 13.60% | 15.18% | 11.02% | $7.53B |
| Q3 2024 | 14.05% | 14.05% | 15.63% | 11.17% | $7.42B |
| Q4 2024 | 14.21% | 14.21% | 15.79% | 11.43% | $7.46B |
| Q1 2025 | 14.25% | 14.25% | 15.84% | 11.51% | $7.53B |
| Q2 2025 | 14.18% | 14.18% | 15.76% | 11.59% | $7.69B |
| Q3 2025 | 14.30% | 14.30% | 15.87% | 11.71% | $7.77B |
| Q4 2025 | 14.30% | 14.30% | 15.86% | 11.91% | $7.89B |
| Q1 2026 | 13.87% | 13.87% | 15.44% | 11.31% | $7.78B |
| Q2 2026 | 13.28% | 13.28% | 14.84% | 11.02% | $7.90B |
S & T Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock S & T Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full S & T Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11124) · FFIEC NIC profile (RSSD 936426)