S & T Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 0.78% and a Texas ratio of 3.68%, according to its call report filed with the FFIEC.
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)
- Offices
- 76 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full S & T Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock S & T 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.28% | 1.48% | 0.78% | 3.68% | 3.98% |
| Q1 2026 | 13.87% | 1.48% | 0.92% | 4.45% | 3.88% |
| Q4 2025 | 14.30% | 1.43% | 0.90% | 4.71% | 4.02% |
| Q3 2025 | 14.30% | 1.48% | 0.83% | 4.27% | 3.95% |
| Q2 2025 | 14.18% | 1.37% | 0.38% | 1.87% | 3.87% |
| Q1 2025 | 14.25% | 1.44% | 0.51% | 2.00% | 3.78% |
| Q4 2024 | 14.21% | 1.43% | 0.59% | 2.58% | 3.80% |
| Q3 2024 | 14.05% | 1.40% | 0.86% | 2.96% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 74 branches →
| 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 | M&A | Acquired Gateway Bank merger for the acquired bank | SEC |
| 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 |
| March 10, 2012 | M&A | Acquired Mainline National 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 |
| June 7, 2008 | M&A | Acquired Irwin 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 |
| September 7, 2002 | M&A | Acquired PFC 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 |
| May 3, 1997 | M&A | Acquired Peoples Bank of Unity 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 2, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 1991 | M&A | Acquired Atlantic Financial Savings, F.A. failure_government_assistance_provided for the acquired bank | SEC |
| November 16, 1991 | Structure Change | Acquired Atlantic Financial Savings, F.A. 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 6, 1991 | Structure Change | Acquired Vanguard Savings Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 5, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1987 | M&A | Acquired The Union Banking & Trust Company of Du Bois, Pennsylvania merger for the acquired bank | SEC |
| 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 |
| May 1, 1986 | M&A | Acquired Homer City State Bank merger for the acquired bank | SEC |
| May 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1986 | Structure Change | Acquired Homer City State Bank 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 |
| April 1, 1983 | Structure Change | Acquired UniBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 1970 | M&A | Acquired Farmers and Miners Trust Company merger for the acquired bank | SEC |
| February 16, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 1970 | Structure Change | Acquired Farmers and Miners Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for S & T Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in PA, rank 17 of 148 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
- 2,839 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is S & T Bank headquartered?
S & T Bank is headquartered in Indiana, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was S & T Bank founded?
S & T Bank was established in 1902, per the FDIC institution directory.
Is S & T Bank FDIC-insured?
Yes. S & T Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is S & T Bank's CET1 capital ratio?
S & T Bank 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?
S & T Bank 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?
S & T Bank's Texas Ratio is 3.68% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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