S&T Bank
Indiana, Pennsylvania, Indiana County
$9.9B in total assets, the 166th largest of 4,309 US banks and 9th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 11124
- Established
- 1902
- Owned by
- S&t Bcorp Inc
- Primary regulator
- FDIC
- Website
- http://www.stbank.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $9.9B | 98% | $2.2B | |
| Loans | $8.1B | 98% | $1.6B | |
| Deposits | $8.1B | 98% | $1.8B | |
| Return on assets | 1.46% | 83% | 1.16% | |
| Net interest margin | 3.95% | 72% | 3.71% | |
| Efficiency ratio | 55.0% | 33% | 59.5% | |
| Equity to assets | 13.83% | 94% | 10.31% | |
| Loans to deposits | 99% | 83% | 89% |
Growth
Total assets grew 0.9% a year over the last 5 years and 4.1% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2019 | DNB First, National Association Downingtown, PA | $1.1B |
| May 2015 | Integrity Bank Camp Hill, PA, an affiliate under the same holding company | $986M |
| Feb 2013 | Gateway Bank Mc Murray, PA, an affiliate under the same holding company | $128M |
| Mar 2012 | Mainline National Bank Portage, PA | $235M |
| Jun 2008 | Irwin Bank Irwin, PA | $824M |
| Sep 2002 | PFC Bank Ford City, PA | $342M |
| May 1997 | Peoples Bank of Unity Plum Borough, PA | $287M |
| Nov 1991 | Atlantic Financial Savings, F.A. Bala Cynwyd, PA | $1.2B |
| Jul 1991 | Vanguard Savings Bank, FSB Vandergrift, PA | $111M |
| Jul 1987 | The Union Banking & Trust Company of Du Bois, Pennsylvania Du Bois, PA | $154M |
| May 1986 | Homer City State Bank Homer City, PA | $88M |
| Apr 1983 | UniBank Brookville, PA | n/a |
| Feb 1970 | Farmers' & Miners' Trust Company Punxsutawney, PA | n/a |
Where they operate
74 branches in 19 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Westmoreland County, PA | $1.5B | 13.8% | 2 of 21 |
| Allegheny County, PA | $1.4B | 0.8% | 10 of 31 |
| Indiana County, PA | $1.3B | 43.6% | 1 of 7 |
| Chester County, PA | $745M | 4.6% | 8 of 29 |
| Jefferson County, PA | $586M | 53.9% | 1 of 6 |
| Lancaster County, PA | $405M | 2.1% | 11 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 11 branches since 2016 (63 to 74, +17.5%). 6 opened, 14 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 63 | |||
| 2016 | Opened PittsburghClosed Indiana | 1 | 1 | 0 | 63 |
| 2017 | Closed 3 in Pennsylvania | 0 | 3 | −3 | 60 |
| 2018 | Sold 1 branch to First Citizens Community BankClosed York | 0 | 2 | −2 | 58 |
| 2019 | Acquired DNB First, National AssociationOpened Cuyahoga Falls and Hilliard | 16 | 0 | +16 | 74 |
| 2021 | Opened West ChesterClosed Du Bois and West Chester | 1 | 2 | −1 | 73 |
| 2023 | Opened Cranberry TownshipClosed Cranberry Township | 1 | 1 | 0 | 73 |
| 2025 | Opened Pittsburgh | 1 | 0 | +1 | 74 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 34% | 32% | |
| 1-4 family residential | 30% | 35% | |
| Business (C&I) | 15% | 10% | |
| Multifamily | 9% | 7% | |
| Construction and land | 6% | 6% | |
| Consumer | 1% | 3% | |
| Farmland | 0% | 3% | |
| Other | 5% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 54% | |
| Noninterest-bearing | 28% | 19% | |
| Time deposits | 25% | 27% |
Brokered deposits are 0.0% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.50% | 0.58% |
| Net charge-offs, annualized | 0.07% | 0.04% |
| Reserves to loans | 1.16% | 0.98% |
| Leverage ratio | 11.02% | 9.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Westmoreland County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/s-t