S & T Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 21.05 percentage points in Q2 2026, from 127.90% to 148.95%. It was the largest change from Q1 2026 among the key lines here. S & T Bank ranks 24th of 109 Pennsylvania banks on return on assets, in the upper half at 1.48% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. S & T Bank sits 0.20 points higher, at 1.48% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.28% |
| Tier 1 risk-based capital ratio | 13.28% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 11.02% |
| Equity capital to assets | 13.83% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 3.68% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 148.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 10.50% |
| Net interest margin | 3.98% |
| Efficiency ratio | 55.16% |
| Yield on earning assets | 5.59% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.22% |
| Core deposits to total deposits | 92.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.79% |
| Securities to assets | 10.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.95% | 12.95% | 14.53% | 10.72% | 1.48% |
| Q4 2023 | 13.18% | 13.18% | 14.76% | 10.79% | 1.60% |
| Q1 2024 | 13.37% | 13.37% | 14.95% | 10.86% | 1.36% |
| Q2 2024 | 13.60% | 13.60% | 15.18% | 11.02% | 1.38% |
| Q3 2024 | 14.05% | 14.05% | 15.63% | 11.17% | 1.40% |
| Q4 2024 | 14.21% | 14.21% | 15.79% | 11.43% | 1.43% |
| Q1 2025 | 14.25% | 14.25% | 15.84% | 11.51% | 1.44% |
| Q2 2025 | 14.18% | 14.18% | 15.76% | 11.59% | 1.37% |
| Q3 2025 | 14.30% | 14.30% | 15.87% | 11.71% | 1.48% |
| Q4 2025 | 14.30% | 14.30% | 15.86% | 11.91% | 1.43% |
| Q1 2026 | 13.87% | 13.87% | 15.44% | 11.31% | 1.48% |
| Q2 2026 | 13.28% | 13.28% | 14.84% | 11.02% | 1.48% |
S & T Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock S & T Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)