S&T BANCORP INC's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), S&T BANCORP INC reported revenue of $47.2M (+0.8% year on year) and net income of $134.2M (+2.3% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Loans, including fees | $472.7M | $476.4M | $443.1M | $314.9M |
| Taxable | $42.3M | $37.7M | $31.6M | $23.7M |
| Tax-exempt | $260.0K | $690.0K | $852.0K | $1.6M |
| Dividends | $1.2M | $1.1M | $2.3M | $563.0K |
| Total Interest and Dividend Income | $516.5M | $515.9M | $477.9M | $340.8M |
| Deposits | $154.6M | $159.4M | $92.8M | $19.9M |
| Borrowings, junior subordinated debt securities and other | $11.8M | $21.7M | $35.7M | $5.1M |
| Total Interest Expense | $166.4M | $181.1M | $128.5M | $25.0M |
| NET INTEREST INCOME | $350.1M | $334.8M | $349.4M | $315.8M |
| Provision for credit losses | $7.4M | $133.0K | $17.9M | $8.4M |
| Net Interest Income After Provision for Credit Losses | $342.7M | $334.7M | $331.5M | $307.4M |
| Net loss on sale of securities | ($2.3M) | ($7.9M) | $0 | $198.0K |
| Revenues from contract with customers | $47.2M | $46.8M | $46.6M | $48.6M |
| Other | $7.1M | $10.2M | $9.8M | $7.3M |
| Total Noninterest Income | $52.0M | $49.1M | $57.6M | $58.3M |
| Salaries and employee benefits | $127.6M | $122.0M | $111.5M | $103.2M |
| Data processing and information technology | $19.8M | $19.5M | $17.4M | $16.9M |
| Occupancy | $16.2M | $15.1M | $14.8M | $14.8M |
| Furniture, equipment and software | $13.5M | $13.6M | $12.9M | $11.6M |
| Other taxes | $7.6M | $7.5M | $6.8M | $6.6M |
| Marketing | $5.9M | $6.4M | $6.5M | $5.6M |
| Professional services and legal | $5.5M | $5.5M | $7.8M | $8.3M |
| FDIC insurance | $4.2M | $4.2M | $4.1M | $2.9M |
| Other | $26.5M | $25.3M | $28.5M | $26.8M |
| Total Noninterest Expense | $226.8M | $218.9M | $210.3M | $196.7M |
| Income Before Taxes | $167.9M | $164.8M | $178.8M | $168.9M |
| Income tax expense | $33.7M | $33.6M | $34.0M | $33.4M |
| Net Income | $134.2M | $131.3M | $144.8M | $135.5M |
| Earnings per share—basic (in dollars per share) | $3.51 | $3.43 | $3.76 | $3.47 |
| Earnings per share—diluted (in dollars per share) | $3.49 | $3.41 | $3.74 | $3.46 |
| Dividends declared per share (in dollars per share) | $1.38 | $1.33 | $1.29 | $1.20 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Loans, including fees | $117.0M | $115.3M | $120.3M | $117.7M |
| Taxable | $10.8M | $10.8M | $11.0M | $10.8M |
| Tax-exempt | $34.0K | $34.0K | $34.0K | $35.0K |
| Dividends | $309.0K | $245.0K | $274.0K | $329.0K |
| Total Interest and Dividend Income | $128.1M | $126.3M | $131.6M | $128.9M |
| Deposits | $35.4M | $35.7M | $39.9M | $39.1M |
| Borrowings, junior subordinated debt securities and other | $2.3M | $2.2M | $2.5M | $3.3M |
| Total Interest Expense | $37.7M | $37.9M | $42.4M | $42.3M |
| NET INTEREST INCOME | $90.4M | $88.4M | $89.2M | $86.6M |
| Provision for credit losses | $1.1M | $1.3M | $2.8M | $2.0M |
| Net Interest Income After Provision for Credit Losses | $89.3M | $87.1M | $86.4M | $84.6M |
| Net gain (loss) on sale of securities | $169.0K | $0 | $0 | $0 |
| Revenues from contract with customers | $12.5M | $11.8M | $12.0M | $11.7M |
| Other | $2.1M | $1.8M | $1.7M | $1.8M |
| Total Noninterest Income | $14.9M | $13.6M | $13.8M | $13.5M |
| Salaries and employee benefits | $32.7M | $31.4M | $32.2M | $32.9M |
| Data processing and information technology | $5.2M | $5.2M | $4.9M | $4.8M |
| Occupancy | $4.1M | $4.6M | $4.0M | $4.0M |
| Furniture, equipment and software | $3.5M | $3.5M | $3.2M | $3.4M |
| Other taxes | $1.8M | $2.1M | $2.1M | $2.1M |
| Marketing | $1.9M | $1.5M | $1.3M | $1.5M |
| Professional services and legal | $1.3M | $1.2M | $1.2M | $1.7M |
| FDIC insurance | $1.1M | $1.1M | $1.1M | $1.1M |
| Other | $7.2M | $6.3M | $6.4M | $6.6M |
| Total Noninterest Expense | $58.7M | $56.7M | $56.4M | $58.1M |
| Income Before Taxes | $45.5M | $44.0M | $43.8M | $40.0M |
| Income tax expense | $8.8M | $9.0M | $8.9M | $8.1M |
| Net Income | $36.6M | $35.1M | $35.0M | $31.9M |
| Earnings per share—basic (in dollars per share) | $1.03 | $0.95 | $0.91 | $0.83 |
| Earnings per share—diluted (in dollars per share) | $1.02 | $0.94 | $0.91 | $0.83 |
| Dividends declared per share (in dollars per share) | $0.37 | $0.36 | $0.34 | $0.34 |
| Comprehensive Income | $34.8M | $29.3M | $42.2M | $40.1M |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks, including interest-bearing deposits of $106,286 and $175,606 at December 31, 2025 and December 31, 2024 | $163.4M | $244.8M | $233.6M | $210.0M |
| Securities available for sale, at fair value | $987.7M | $987.6M | $970.4M | — |
| Loans held for sale | $1.0M | $0 | $153.0K | $16.0K |
| Portfolio loans, net of unearned income | $8.1B | $7.7B | $7.7B | $7.2B |
| Allowance for credit losses | ($93.2M) | ($101.5M) | ($108.0M) | ($101.3M) |
| Portfolio loans, net | $8.0B | $7.6B | $7.5B | $7.1B |
| Bank owned life insurance | $85.4M | $85.0M | $84.0M | $85.2M |
| Premises and equipment, net | $43.9M | $45.0M | $49.0M | $49.3M |
| Federal Home Loan Bank and other restricted stock, at cost | $16.0M | $15.2M | $25.1M | $23.0M |
| Goodwill | $373.4M | $373.4M | $373.4M | $373.4M |
| Other intangible assets, net | $2.3M | $3.1M | $4.1M | $5.4M |
| Other assets | $219.1M | $262.3M | $266.4M | $278.8M |
| Total Assets | $9.9B | $9.7B | $9.6B | $9.1B |
| Noninterest-bearing demand | $2.2B | $2.2B | $2.2B | $2.6B |
| Interest-bearing demand | $790.3M | $812.8M | $825.8M | $846.7M |
| Money market | $2.2B | $2.0B | $1.9B | $1.7B |
| Savings | $862.1M | $877.9M | $950.5M | $1.1B |
| Certificates of deposit | $1.9B | $1.9B | $1.6B | $934.6M |
| Total Deposits | $8.0B | $7.8B | $7.5B | $7.2B |
| Short-term borrowings | $165.0M | $150.0M | $415.0M | $370.0M |
| Long-term borrowings | $50.8M | $50.9M | $39.3M | $14.7M |
| Junior subordinated debt securities | $49.5M | $49.4M | $49.4M | $54.5M |
| Other liabilities | $183.0M | $244.2M | $242.7M | $266.7M |
| Total Liabilities | $8.4B | $8.3B | $8.3B | $7.9B |
| Common stock ($2.50 par value) Authorized—$50,000,000 shares Issued—41,449,444 shares at December 31, 2025 and December 31, 2024 Outstanding—37,402,705 shares at December 31, 2025 and 38259449 shares at December 31, 2024 | 103.6M | 103.6M | 103.6M | 103.6M |
| Additional paid-in capital | $413.0M | $411.8M | $409.0M | $406.3M |
| Retained earnings | $1.1B | $1.0B | $959.6M | $863.9M |
| Accumulated other comprehensive loss | ($41.7M) | ($77.0M) | ($90.9M) | ($112.1M) |
| Treasury stock — 4,046,739 shares at December 31, 2025 and 3189995 shares at December 31, 2024, at cost | -131.3M | -97.2M | — | — |
| Total Shareholders’ Equity | $1.5B | $1.4B | $1.3B | $1.2B |
| Total Liabilities and Shareholders’ Equity | $9.9B | $9.7B | $9.6B | $9.1B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks, including interest-bearing deposits of $146,384 and $106,286 at June 30, 2026 and December 31, 2025 | $217.8M | $339.1M | $196.2M | $203.1M |
| Securities available for sale, at fair value | $1.0B | $1.0B | $1.0B | $1.0B |
| Loans held for sale | $4.7M | $694.0K | — | — |
| Portfolio loans, net of unearned income | $8.1B | $8.0B | $8.0B | $7.9B |
| Allowance for credit losses | ($93.3M) | ($93.3M) | ($98.2M) | ($98.6M) |
| Portfolio loans, net | $8.0B | $7.9B | $7.9B | $7.8B |
| Bank owned life insurance | $86.6M | $86.0M | $85.2M | $85.5M |
| Premises and equipment, net | $42.7M | $43.4M | $44.1M | $45.0M |
| Federal Home Loan Bank and other restricted stock, at cost | $16.8M | $11.7M | $15.0M | $15.8M |
| Goodwill | $373.4M | $373.4M | $373.4M | $373.4M |
| Other intangible assets, net | $1.9M | $2.1M | $2.5M | $2.7M |
| Other assets | $221.7M | $212.0M | $217.0M | $227.5M |
| Total Assets | $9.9B | $9.9B | $9.8B | $9.8B |
| Noninterest-bearing demand | $2.3B | $2.3B | $2.2B | $2.2B |
| Interest-bearing demand | $769.5M | $784.3M | $745.9M | $738.3M |
| Money market | $2.2B | $2.3B | $2.2B | $2.2B |
| Savings | $882.0M | $883.2M | $868.0M | $879.3M |
| Certificates of deposit | $2.0B | $2.0B | $1.9B | $1.9B |
| Total Deposits | $8.1B | $8.2B | $7.9B | $7.9B |
| Short-term borrowings | $200.0M | $50.0M | $135.0M | $150.0M |
| Long-term borrowings | $25.8M | $50.8M | $50.8M | $50.9M |
| Junior subordinated debt securities | $49.5M | $49.5M | $49.5M | $49.4M |
| Other liabilities | $178.8M | $177.8M | $184.8M | $193.4M |
| Total Liabilities | $8.5B | $8.5B | $8.3B | $8.4B |
| Common stock ($2.50 par value) Authorized—$50,000,000 shares Issued—41,449,444 shares at June 30, 2026 and December 31, 2025 Outstanding—35,264,936 shares at June 30, 2026 and 37402705 shares at December 31, 2025 | 103.6M | 103.6M | 103.6M | 103.6M |
| Additional paid-in capital | $411.1M | $413.9M | $411.7M | $410.9M |
| Retained earnings | $1.2B | $1.1B | $1.1B | $1.1B |
| Accumulated other comprehensive loss | ($49.3M) | ($47.5M) | ($45.2M) | ($52.4M) |
| Treasury stock — 6,184,508 shares at June 30, 2026 and 4046739 shares at December 31, 2025, at cost | -226.9M | -181.4M | -94.7M | -94.8M |
| Total Shareholders’ Equity | $1.4B | $1.4B | $1.5B | $1.4B |
| Total Liabilities and Shareholders’ Equity | $9.9B | $9.9B | $9.8B | $9.8B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $134.2M | $131.3M | $144.8M | $135.5M |
| Provision for credit losses | $7.4M | $133.0K | $17.9M | $8.4M |
| Net depreciation, amortization and accretion | $10.4M | $10.9M | $7.5M | $9.0M |
| Net (accretion) amortization of discounts and premiums on securities | ($3.3M) | $2.8M | $4.7M | $6.1M |
| Stock-based compensation expense | $5.3M | $4.6M | $3.9M | $3.2M |
| Loss on sale of securities | $2.3M | $7.9M | $0 | ($198.0K) |
| Deferred income taxes | $175.0K | ($296.0K) | $601.0K | ($2.9M) |
| (Gain) loss on sale of fixed assets | ($31.0K) | $196.0K | ($100.0K) | $61.0K |
| Gain on sale of loans, net | ($107.0K) | ($69.0K) | ($81.0K) | ($1.2M) |
| Loss (gain) on sale and fair value adjustments of other real estate owned, net | $4.0K | $58.0K | ($3.9M) | ($3.1M) |
| Proceeds from the sale of mortgage loans | $3.9M | $4.6M | $3.8M | $38.6M |
| Mortgage loans originated for sale | ($4.8M) | ($4.3M) | ($3.9M) | ($35.8M) |
| Net (increase) decrease in interest receivable | ($226.0K) | $2.7M | ($7.1M) | ($10.0M) |
| Net (decrease) increase in interest payable | ($5.3M) | $5.0M | $17.8M | $2.9M |
| Net decrease (increase) in other assets | $35.2M | ($1.7M) | $14.3M | ($24.6M) |
| Net (decrease) increase in other liabilities | ($51.6M) | $9.6M | ($28.4M) | $114.7M |
| Net Cash Provided by Operating Activities | $133.6M | $173.4M | $171.7M | $240.4M |
| Purchases of securities | ($142.4M) | ($313.6M) | ($99.6M) | ($401.1M) |
| Proceeds from maturities, prepayments and calls of securities | $133.4M | $159.6M | $147.7M | $160.8M |
| Proceeds from sales of securities | $47.0M | $136.4M | $0 | $30.5M |
| (Purchases) redemptions of Federal Home Loan Bank stock | ($799.0K) | $9.9M | ($2.0M) | — |
| Net increase in loans | ($360.5M) | ($106.2M) | ($492.8M) | ($192.4M) |
| Proceeds from sale of portfolio loans | $17.5M | $8.9M | $11.6M | — |
| Proceeds from sale of other real estate owned | $42.0K | $131.0K | $7.1M | $12.5M |
| Purchases of premises and equipment, net of proceeds from sales | ($4.8M) | ($3.0M) | ($6.2M) | ($3.9M) |
| Proceeds from life insurance settlement | $1.7M | $1.0M | $1.7M | $214.0K |
| Net payments from cash flow hedge | ($6.1M) | ($11.5M) | ($12.4M) | — |
| Net Cash Used in Investing Activities | ($314.8M) | ($118.3M) | ($444.2M) | ($398.6M) |
| Net increase (decrease) in demand, money market and savings deposits | $93.9M | ($24.0M) | ($345.3M) | ($623.1M) |
| Net increase in certificates of deposit | $81.8M | $285.3M | $647.1M | ($153.4M) |
| Net increase (decrease) in short-term borrowings | $15.0M | ($265.0M) | $45.0M | $370.0M |
| Proceeds from long-term borrowings | $0 | $50.0M | $25.0M | — |
| Repayments on long-term borrowings | ($81.0K) | ($38.4M) | ($5.5M) | ($7.7M) |
| Repurchase of shares for taxes on restricted stock | -1.7M | -870.0K | -798.0K | -808.0K |
| Cash dividends paid to common shareholders | ($52.9M) | ($51.0M) | ($49.7M) | ($47.0M) |
| Repurchase of common stock | ($36.3M) | $0 | ($19.8M) | ($7.6M) |
| Net Cash Provided by (Used in) Financing Activities | $99.8M | ($43.9M) | $296.1M | ($554.1M) |
| Net (decrease) increase in cash and due from banks | ($81.4M) | $11.2M | $23.6M | ($712.2M) |
| Cash and due from banks at beginning of period | $244.8M | $233.6M | $210.0M | $922.2M |
| Cash and Due From Banks at End of Period | $163.4M | $244.8M | $233.6M | — |
| Right of use assets obtained in exchange for lease obligations | $2.4M | $604.0K | $2.0M | $0 |
| Cash paid for interest | $171.7M | $176.1M | $111.3M | $22.1B |
| Cash paid for federal income taxes, net of refunds | $25.1M | — | — | — |
| Cash paid for state income taxes, net of refunds(1) | $1.2M | — | — | — |
| Transfers of loans to other real estate owned | $95.0K | $122.0K | $163.0K | $23.0K |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net Cash Provided by Operating Activities | $70.3M | $42.5M | $97.5M | $57.0M |
| Purchases of securities | ($139.1M) | ($62.8M) | ($122.9M) | ($113.6M) |
| Proceeds from maturities, prepayments and calls of securities | $71.5M | $34.2M | $95.3M | $57.4M |
| Proceeds from sales of securities | $33.0M | $0 | $47.0M | $47.0M |
| Purchases of Federal Home Loan Bank stock | ($766.0K) | $4.3M | $189.0K | ($586.0K) |
| Net decrease (increase) in loans | $4.0M | $111.0M | ($241.4M) | ($192.3M) |
| Proceeds from sale of portfolio loans | $7.0M | — | $275.0K | $0 |
| Purchases of premises and equipment, net of proceeds from sales | ($1.8M) | ($969.0K) | ($3.5M) | ($2.9M) |
| Net payments from cash flow hedge | ($1.3M) | ($889.0K) | ($5.2M) | ($4.0M) |
| Net Cash Used in Investing Activities | ($27.4M) | $84.8M | ($228.9M) | ($208.7M) |
| Net increase in demand, money market and savings deposits | $81.9M | $195.7M | $81.2M | $120.0M |
| Net increase in certificates of deposit | $45.4M | $30.7M | $57.7M | $17.8M |
| Net increase in short-term borrowings | $35.0M | ($115.0M) | ($15.0M) | $0 |
| Repayments on long-term borrowings | ($25.0M) | ($21.0K) | ($60.0K) | ($40.0K) |
| Repurchase of shares for taxes on restricted stock | -1.7M | -28.0K | -1.7M | -1.5M |
| Cash dividends paid to common shareholders | ($26.7M) | ($13.4M) | ($39.3M) | ($26.2M) |
| Repurchase of common stock | ($97.3M) | ($49.7M) | — | — |
| Net Cash Provided by Financing Activities | $11.5M | $48.3M | $82.8M | $110.0M |
| Net increase (decrease) in cash and due from banks | $54.4M | $175.6M | ($48.6M) | ($41.7M) |
| Cash and due from banks at beginning of period | $163.4M | $163.4M | $244.8M | $244.8M |
| Cash and Due From Banks at End of Period | $217.8M | $339.1M | $196.2M | $203.1M |
| Right of use assets obtained in exchange for lease obligations | $0 | $0 | $2.4M | $2.4M |
| Cash paid for interest | $77.0M | $38.2M | $130.6M | $86.0M |
| Cash paid for federal income taxes, net of refunds | $16.5M | — | — | — |
| Cash paid for state income taxes, net of refunds | $526.0K | $135.0K | — | — |
S&T BANCORP INC score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.