S & T Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 11.00 percentage points in Q2 2026, from 306.17% to 317.17%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, S & T Bank is 21st of 109 on loan-to-deposit ratio, 99.22% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. S & T Bank sits 11.02 points higher, at 99.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.06B |
| Net loans and leases | $7.97B |
| Loans held for sale | $4.7M |
| Loans to total assets | 81.15% |
| Loan-to-deposit ratio | 99.22% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.00% |
| Multifamily (5+ residential) | 9.03% |
| Commercial and industrial | 14.60% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 0.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 317.17% |
| Construction concentration (Tier 1 capital + allowance) | 43.85% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.87% |
| Interest income on loans | $117.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.52B | $7.24B | 36.08% | 16.28% | 1.54% |
| Q4 2023 | $7.65B | $7.54B | 36.15% | 16.06% | 1.50% |
| Q1 2024 | $7.66B | $7.62B | 36.20% | 15.50% | 1.41% |
| Q2 2024 | $7.71B | $7.71B | 35.36% | 15.66% | 1.33% |
| Q3 2024 | $7.69B | $7.69B | 35.48% | 15.17% | 1.37% |
| Q4 2024 | $7.74B | $7.82B | 35.31% | 15.08% | 1.35% |
| Q1 2025 | $7.84B | $7.94B | 35.37% | 14.93% | 1.25% |
| Q2 2025 | $7.93B | $7.97B | 35.17% | 14.63% | 1.26% |
| Q3 2025 | $7.98B | $7.97B | 36.21% | 13.75% | 1.29% |
| Q4 2025 | $8.07B | $7.97B | 35.89% | 13.97% | 1.13% |
| Q1 2026 | $7.96B | $8.22B | 35.20% | 14.26% | 1.05% |
| Q2 2026 | $8.06B | $8.13B | 34.00% | 14.60% | 0.99% |
S & T Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock S & T Bank, freeSource: Call Report Schedule RC-C, 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)