S&T BANCORP INC

Listed Company

STBACIK 0000719220NasdaqLarge AcceleratedState Commercial BanksPennsylvaniaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$134.23M

Total Assets

$9.87B

Equity

$1.46B

Shares Out

36.55M

Op. Cash Flow

$133.62M

Business

S&T Bancorp Inc. is a bank holding company that provides commercial banking and related financial services through its subsidiary bank and affiliated non-bank entities. It offers consumer, commercial and small business banking products and services including deposit accounts, commercial and consumer loans, mortgage lending, brokerage, trust and fiduciary services, insurance distribution and wealth management. Key business segments include its full-service S&T Bank operations and non-bank subsidiaries that provide insurance distribution, investment advisory and asset management, title and real estate services. Its activities are concentrated in Pennsylvania and adjoining states and delivered through branch offices, digital channels, ATMs and other distribution networks.

Summary from filing dated 2025-03-03

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	473	476	443	315	270
Taxable	42	38	32	24	16
Tax-exempt	260,000	690,000	852,000	2	3
Dividends	1	1	2	563,000	503,000
Total Interest and Dividend Income	516	516	478	341	289
Deposits	155	159	93	20	11
Borrowings, junior subordinated debt securities and other	12	22	36	5	—
Total Interest Expense	166	181	128	25	—
NET INTEREST INCOME	350	335	349	316	276
Provision for credit losses	7	133,000	18	8	16
Net Interest Income After Provision for Credit Losses	343	335	332	307	260
Net loss on sale of securities	−2	−8	0	198,000	29,000
Other	7	10	11	10	9
Total Noninterest Income	52	49	58	58	65
Salaries and employee benefits	128	122	111	103	100
Data processing and information technology	20	20	17	17	17
Occupancy	16	15	15	15	15
Furniture, equipment and software	14	14	13	12	11
Other taxes	8	7	6	7	7
Marketing	6	6	7	6	5
Professional services and legal	5	5	8	8	6
FDIC insurance	4	4	4	3	4
Other	26	25	28	27	25
Total Noninterest Expense	227	219	210	197	189
Income Before Taxes	168	165	179	—	—
Income tax expense	34	34	34	33	25
Net Income	134	131	145	136	110
Earnings per sharebasic (in dollars per share)	3.51	3.43	3.76	3.47	2.81
Earnings per sharediluted (in dollars per share)	3.49	3.41	3.74	3.46	2.81
Dividends declared per share (in dollars per share)	1.38	1.33	1.29	1.2	1.13

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks, including interest-bearing deposits of $106,286 and $175,606 at December 31, 2025 and December 31, 2024	163	245	234	210	922
Securities available for sale, at fair value	988	988	970	1,003	—
Loans held for sale	1	0	153,000	16,000	2
Portfolio loans, net of unearned income	8,072	7,743	7,653	7,184	7,000
Allowance for credit losses	−93	−101	−108	−101	−99
Portfolio loans, net	7,979	7,641	7,545	7,083	6,901
Bank owned life insurance	85	85	84	85	84
Premises and equipment, net	44	45	49	49	53
Federal Home Loan Bank and other restricted stock, at cost	16	15	25	23	10
Goodwill	373	373	373	373	373
Other intangible assets, net	2	3	4	5	7
Other assets	219	262	266	279	226
Total Assets	9,871	9,658	9,552	9,111	9,489
Noninterest-bearing demand	2,161	2,185	2,222	2,589	2,749
Interest-bearing demand	790	813	826	847	979
Money market	2,197	2,040	1,942	1,732	2,071
Savings	862	878	951	1,119	1,110
Certificates of deposit	1,949	1,867	1,582	935	1,088
Total Deposits	7,959	7,783	7,522	7,220	7,997
Short-term borrowings	165	150	415	370	84
Long-term borrowings	51	51	39	15	22
Junior subordinated debt securities	49	49	49	54	54
Other liabilities	183	244	243	267	124
Total Liabilities	8,407	8,278	8,268	7,926	8,282
Common stock ($2.50 par value)Authorized$50,000,000 sharesIssued41,449,444 shares at December 31, 2025 and December 31, 2024Outstanding37,402,705 shares at December 31, 2025 and 38259449 shares at December 31, 2024	104	104	104	104	104
Additional paid-in capital	413	412	409	406	403
Retained earnings	1,120	1,039	960	864	774
Accumulated other comprehensive loss	−42	−77	−91	−112	−7
Treasury stock 4,046,739 shares at December 31, 2025 and 3189995 shares at December 31, 2024, at cost	−131	−97	−98	—	—
Total Shareholders Equity	1,464	1,380	1,283	1,185	1,206
Total Liabilities and Shareholders Equity	9,871	9,658	9,552	9,111	9,489

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net depreciation, amortization and accretion	10	11	8	9	11
Net (accretion) amortization of discounts and premiums on securities	−3	3	5	6	5
Stock-based compensation expense	5	5	4	3	2
Deferred income taxes	175,000	−296,000	601,000	−3	2
(Gain) loss on sale of fixed assets	−31,000	196,000	−100,000	61,000	30,000
Gain on sale of loans, net	−107,000	−69,000	−81,000	−1	−9
Loss (gain) on sale and fair value adjustments of other real estate owned, net	4,000	58,000	−4	−3	420,000
Proceeds from the sale of mortgage loans	4	5	4	39	311
Mortgage loans originated for sale	−5	−4	−4	−36	−286
Net (increase) decrease in interest receivable	−226,000	3	−7	−10	4
Net (decrease) increase in interest payable	−5	5	18	3	−2
Net decrease (increase) in other assets	35	−2	14	−25	84
Net (decrease) increase in other liabilities	−52	10	−28	115	−36
Net Cash Provided by Operating Activities	134	173	172	241	215
Purchases of securities	−142	−314	−100	−401	−314
Proceeds from maturities, prepayments and calls of securities	133	160	148	161	145
Proceeds from sales of securities	47	136	0	30	2
(Purchases) redemptions of Federal Home Loan Bank stock	−799,000	10	−2	−14	4
Net increase in loans	−360	−106	−493	−192	173
Proceeds from sale of portfolio loans	17	9	12	8	5
Proceeds from sale of other real estate owned	42,000	131,000	7	13	1
Purchases of premises and equipment, net of proceeds from sales	−5	−3	−6	−4	−4
Proceeds from life insurance settlement	2	1	2	214,000	353,000
Net payments from cash flow hedge	−6	−11	−12	−91,000	0
Net Cash Used in Investing Activities	−315	−118	−444	−399	13
Net increase (decrease) in demand, money market and savings deposits	94	−24	−345	−623	875
Net increase in certificates of deposit	82	285	647	−153	−299
Net increase (decrease) in short-term borrowings	15	−265	45	286	−56
Proceeds from long-term borrowings	0	50	25	0	0
Repayments on long-term borrowings	−81,000	−38	−5	−8	−11
Repurchase of shares for taxes on restricted stock	−2	−870,000	−798,000	−808,000	−630,000
Cash dividends paid to common shareholders	−53	−51	−50	−47	−44
Repurchase of common stock	−36	0	−20	−8	0
Net Cash Provided by (Used in) Financing Activities	100	−44	296	−554	464
Net (decrease) increase in cash and due from banks	−81	11	24	−712	693
Right of use assets obtained in exchange for lease obligations	2	604,000	2	0	3
Cash paid for interest	172	176	111	22	15
Cash paid for federal income taxes, net of refunds	25	30	37	—	—
Cash paid for state income taxes, net of refunds(1)	1	0	0	—	—
Transfers of loans to other real estate owned	95,000	122,000	163,000	23,000	12

Filings

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