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S&T Bank
Indiana, PA · FDIC Certificate #11124 · Chartered 05/2
Total assets
$9.94B
Total deposits
$8.13B
Total equity
$1.37B
Net loans
$7.97B
Branches (offices)
74
Net income (YTD)
$72.97M
Rank: #161 of 4,213 U.S. banks by assets · #9 of 109 in Pennsylvania. Assets changed 1.3% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 10.32% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 13.83% |
| Tier 1 leverage ratio | 11.02% |
| Uninsured deposits (share of deposits) | 35.8% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 98.1% |
| Real estate loans (share of loans) | 80.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.39B | 80.2% | |
| Commercial & industrial | $1.18B | 14.8% | |
| Consumer / individual | $80.09M | 1.0% | |
| Construction & development | $500.57M | 6.3% | |
| Agricultural | $214.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $9.10B | $7.62B | $60.12M | $1.18B |
| Jun 2023 | $9.24B | $7.16B | $77.15M | $1.20B |
| Jun 2024 | $9.63B | $7.71B | $65.94M | $1.30B |
| Jun 2025 | $9.80B | $7.97B | $68.27M | $1.41B |
| Jun 2026 | $9.94B | $8.13B | $72.97M | $1.37B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $7.69B | 71 |
| Ohio | $432.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $8.13B.
Similar-sized banks
Origin Bank ($10.18B) · Tri Counties Bank ($9.93B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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