S&T Bank
S&T Bank reported total assets of $9.9 bn at Q2 2026, up 1.3% on a year earlier, the 159th largest of 497 banks in our US coverage. The CET1 capital ratio at S&T Bank was 13.28%, and the uninsured share of S&T Bank was 35.78%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, S&T Bank slipped from 115th to 196th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , S&T Bank has taken over one institution; the latest was DNB First, National Association on (FDIC Call Reports).
What sets S&T Bank apart
How large is S&T Bank?
The balance sheet of S&T Bank at : assets $9.9 bn, deposits $8.1 bn, net loans $8.0 bn (loans equal to 98.07% of deposits). Securities make up 10.2% of total assets at S&T Bank. Since , when S&T Bank held $6.5 bn, its assets grew 53.8%. In the year to , deposits at S&T Bank rose 2.0% while its total assets rose 1.3%. At , S&T Bank employed 1,191 full-time equivalent staff across 76 offices, about $8.3 mn of assets per employee and $106.9 mn of deposits per office.
How much funding at S&T Bank is uninsured?
At S&T Bank, uninsured deposits (above the FDIC limit) made up 35.78% of domestic deposits at (+1.90 pp on a year earlier); S&T Bank ranks 244th of 500 on this measure. In dollars, S&T Bank estimated $2.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.1 bn | +2.0% | 166th of 499 |
| Net loans and leases | $8.0 bn | +1.7% | 143rd of 500 |
| Loan-to-deposit ratio | 98.07% | -0.30 pp | 81st of 500 |
| Tier 1 leverage ratio | 11.02% | -0.57 pp | 169th of 500 |
| Total risk-based capital ratio | 14.84% | -0.91 pp | 182nd of 448 |
| Net interest margin | 3.95% | +0.09 pp | 157th of 500 |
| Return on assets (ROA) | 1.47% | +0.07 pp | 163rd of 500 |
| Efficiency ratio | 54.97% | -1.81 pp | 231st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $45.8 mn | Narrowed by $318,000 | |
| Noncurrent loans to total loans | 0.50% | +0.23 pp | 196th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.07% | +0.04 pp | 221st of 500 (1 = lowest) |
US rank of S&T Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
S&T Bank: assets, deposits and loans
- Total assets $9.9bn
- Deposits $8.1bn
- Net loans $8.0bn
Capital and securities
The CET1 ratio of S&T Bank stood at 13.28% in , -0.90 pp year on year. Low and high at S&T Bank since : 9.44% () to 14.30% (). Equity capital of S&T Bank at : $1.4 bn, or 13.8% of total assets. S&T Bank also reported a total capital ratio of 14.84% for , and a tier 1 leverage ratio of 11.02%.
The available-for-sale portfolio of S&T Bank showed an unrealized loss of $45.8 mn at ; the loss narrowed by $318,000 over the year.
S&T Bank: capital ratios
- Total capital 15%
- CET1 13%
- Tier 1 leverage 11%
S&T Bank: unrealized securities gains and losses
- Available for sale -$46mn
- Held to maturity $0
Profitability and loan quality
For the year to , S&T Bank earned a return on equity of 10.32%; return on assets: 1.47%. Net interest margin at S&T Bank: 3.95%, +0.09 pp in a year. S&T Bank net income: $73.0 mn, up 6.9% year on year. The efficiency ratio of S&T Bank was 54.97%: about 55 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.50% of total loans at S&T Bank; net charge-offs: 0.07% of average loans. Gross loans and leases at S&T Bank: $8.1 bn, up 1.6% in a year.
S&T Bank: profitability
- Return on equity 10%
- Net interest margin 3.9%
- Return on assets 1.5%
Peer group of S&T Bank
The peer group of S&T Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of S&T Bank (state nonmember bank), 3 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, S&T Bank shows CET1 ratio 13.28% against a peer median of 13.84%, return on equity 10.32% against a peer median of 11.31% and uninsured deposit share 35.78% against a peer median of 42.91%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Amerant Bank | National bank | FL | $10.3 bn | 12.91% | 9.14% | 46.73% | |
| International Bank of Commerce | State nonmember bank | TX | $10.2 bn | 21.11% | 13.85% | 40.24% | |
| Origin Bank | State member bank | LA | $10.2 bn | 12.80% | 10.59% | 48.50% | |
| S&T Bank | State nonmember bank | PA | $9.9 bn | 13.28% | 10.32% | 35.78% | |
| Tri Counties Bank | State nonmember bank | CA | $9.9 bn | 13.69% | 10.14% | 34.12% | |
| Byline Bank | State nonmember bank | IL | $9.9 bn | 14.00% | 12.03% | 34.11% | |
| Principal Bank | Federal savings bank | IA | $9.8 bn | 14.91% | 33.04% | 45.59% | |
. FDIC Call Reports.
Last eight quarters
Two years at S&T Bank, to : assets +3.8%, deposits +5.7%, equity +1.7%. Staff 1,211 to 1,191; offices 75 to 76.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.6 bn | $9.7 bn | $9.7 bn | $9.8 bn | $9.8 bn | $9.9 bn | $9.9 bn | $9.9 bn |
| Total deposits | $7.7 bn | $7.8 bn | $7.9 bn | $8.0 bn | $8.0 bn | $8.0 bn | $8.2 bn | $8.1 bn |
| Bank equity capital | $1.4 bn | $1.4 bn | $1.4 bn | $1.4 bn | $1.4 bn | $1.5 bn | $1.4 bn | $1.4 bn |
| CET1 ratio | 14.05% | 14.21% | 14.25% | 14.18% | 14.30% | 14.30% | 13.87% | 13.28% |
| Return on equity (ROE) | 10.24% | 10.24% | 10.17% | 9.87% | 9.97% | 9.90% | 10.18% | 10.32% |
| Uninsured share of domestic deposits | 33.64% | 33.30% | 33.71% | 33.88% | 34.32% | 33.66% | 35.61% | 35.78% |
| Full-time equivalent employees | 1,211 | 1,206 | 1,207 | 1,214 | 1,218 | 1,209 | 1,214 | 1,191 |
| Number of offices | 75 | 75 | 76 | 76 | 76 | 76 | 76 | 76 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of S&T Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed DNB First, National Association (FDIC certificate 7464).
Questions and identifiers
What were the total assets of S&T Bank?
S&T Bank reported $9.9 bn at in its Call Report. That makes S&T Bank the 159th largest of 497 banks in our US coverage.
Is S&T Bank the same as its holding company?
No. This page covers S&T Bank, FDIC certificate 11124; S&T BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is S&T Bank profitable?
S&T Bank reported net income of $73.0 mn for the year to ; annualized return on equity: 10.32%. So yes: S&T Bank made a profit over these months.
When is data for S&T Bank next updated?
Figures from S&T Bank for are due after .
Where can I check the figures for S&T Bank?
In the FDIC BankFind Suite record for certificate 11124, and in the Call Reports of S&T Bank (RSSD ID 936426) at the FFIEC Central Data Repository.