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S&T Bank
Indiana, PA·FDIC Cert #11124·Charter: STATE·Est. 19020521.0·HC: S&T BCORP INC
Total Assets
$9.9B
Q4 2025
Return on Assets
1.43%
-0.00%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.21%
Peer avg: 56.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.43%-0.00
ROE
9.90%-0.07
Efficiency
55.21%-0.64
Equity/Assets
0.00%+0.00
NPL Ratio
0.70%+0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
100.11%+1.19
Charge-offs
0.18%+0.12
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| ROE | 10.3 | 10.3 | 10.2 | 10.2 | 10.2 | 9.9 | 10.0 | 9.9 |
| Efficiency | 56.0 | 55.2 | 55.3 | 55.5 | 56.2 | 56.8 | 55.9 | 55.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.6 | 0.7 |
| Charge-offs | 0.3 | 0.2 | 0.1 | 0.1 | -0.0 | 0.0 | 0.1 | 0.2 |
| Loan/Deposit | 99.1 | 98.6 | 98.6 | 97.7 | 97.5 | 98.4 | 98.9 | 100.1 |
Balance Sheet
Total Assets$9.9B
Total Deposits$8.0B
Total Loans$8.0B
Total Equity$1.5B
Profitability
ROA1.43%
ROE9.90%
Efficiency Ratio55.21%
Net Income$139.7M
Risk & Asset Quality
NPL Ratio0.70%
Charge-off Rate0.18%
Loan/Deposit100.11%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans