Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 76

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 76
---
 the behavior and value of non-maturity deposit products. S&T policy guidelines limit the change in EVE using rate shocks in increments of +/- 100 basis points. Policy guidelines define the percentage change in EVE by graduated risk tolerance levels of minimal, moderate and high. 

The table below reflects the rate shock analyses results for the 1-12 and 13-24 month periods of pretax net interest income and EVE.

September 30, 2025December 31, 20241 - 12 Months13 - 24 Months% Change in EVE1 - 12 Months13 - 24 Months% Change in EVEChange in Interest Rate (basis points)% Change in Pretax Net Interest Income% Change in Pretax Net Interest Income% Change in Pretax Net Interest Income% Change in Pretax Net Interest Income4003.5 9.4 (12.0)3.2 8.4 (32.3)3002.4 6.8 (7.7)1.9 5.8 (24.1)2001.7 4.9 (3.5)0.8 3.7 (15.4)1001.0 2.8 (0.6)(0.1)1.7 (7.2)-100(2.2)(4.4)(3.1)(3.4)(5.2)3.0 -200(4.9)(10.1)(9.9)(6.2)(10.3)3.5 -300(8.2)(16.7)(21.2)(9.2)(16.2)0.2 -400(11.0)(21.3)(39.6)(12.9)(22.7)(7.9)

The results from the rate shock analyses on net interest income are generally consistent with having an asset sensitive balance sheet. Having an asset sensitive balance sheet means more assets than liabilities will reprice during the measured time frames. The implications of an asset sensitive balance sheet will differ depending upon the change in market interest rates. For example, with an asset sensitive balance sheet in a declining interest rate environment, more assets than liabilities will decrease in rate. This situation could result in a decrease in net interest income and operating income. Conversely, with an asset sensitive balance sheet in a rising interest rate environment, more