S & T Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks S & T Bank of Indiana, PA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.48% | 1.34% | +0.14% | 64th above |
| ROAE | 10.50% | 12.34% | -1.84% | 34th below |
| Net Interest Margin | 3.98% | 3.83% | +0.15% | 67th above |
| Efficiency Ratio | 55.16% | 58.97% | -3.81% | 59th above |
| PPNR / Avg Assets | 1.94% | — | — | 64th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.71% | -0.12% | 53rd above |
| Cost of Funds | 1.78% | 2.02% | -0.24% | 63rd above |
| Net Interest Spread | 3.16% | — | — | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 0.87% | -0.37% | 52nd above |
| NPA / Total Assets | 0.40% | — | — | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans | 1.16% | — | — | 51st above |
| ACL / NPLs (Coverage) | 232.05% | — | — | 55th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.68% | 5.48% | -1.80% | 49th below |
| Provision / NCO | 111.76% | — | — | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.28% | 14.99% | -1.71% | 46th below |
| Tier 1 Ratio | 13.28% | 15.02% | -1.74% | 45th below |
| Total Capital Ratio | 14.84% | — | — | 53rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.02% | 11.11% | -0.09% | 60th above |
| Equity / Assets | 13.83% | 11.02% | +2.81% | 89th top |
| TCE / Tangible Assets | 10.44% | — | — | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.22% | 86.99% | +12.23% | 19th bottom |
| Core Deposit Ratio | 92.51% | 85.57% | +6.94% | 72nd above |
| Uninsured Deposit Ratio | 35.78% | 33.19% | +2.59% | 37th below |
| Wholesale Funding Ratio | 2.52% | — | — | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.34% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 1.62% | — | — | 25th below |
| Deposit Growth (Y/Y) | 2.02% | — | — | 28th below |
See S & T Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock S & T Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full S & T Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the S & T Bank peer analysis.