Company: STBA
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0000719220-25-000028
Chunk: 30

Company: S&T BANCORP INC
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 8
Chunk 30
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 ContentsS&T BANCORP, INC. AND SUBSIDIARIESNOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 Modifications to Borrowers Experiencing Financial DifficultyThe following tables present the amortized cost of loans to borrowers experiencing financial difficulty by portfolio segment and type of modification during the periods presented:

Three Months Ended March 31, 2025(dollars in thousands)Term ExtensionTerm Extension and Payment DelaysTotal% of Portfolio SegmentCommercial and industrial$— $2,092 $2,092 0.16 %Commercial construction— 1,006 1,006 0.27 %Consumer real estate265 640 905 0.05 %Total$265 $3,738 $4,003 0.05 %Three Months Ended March 31, 2024(dollars in thousands)Term ExtensionTerm Extension and Interest Rate ReductionTotal% of Portfolio SegmentCommercial real estate$833 $— $833 0.03 %Total$833 $— $833 0.01 %

The following tables describe the effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:Three Months Ended March 31, 2025Three Months Ended March 31, 2024Weighted-Average Term Extension (in months)Weighted-Average Term Extension and Payment Delays (in months)Weighted-Average Term Extension (in Months)Commercial real estate——6Commercial and industrial—13—Commercial construction—13—Consumer real estate12215—

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Table of ContentsS&T BANCORP, INC. AND SUBSIDIARIESNOTES TO CONSOLIDATED FINANCIAL STATEMENTS

We closely monitor the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of the modification efforts. The following tables present the aging analysis of modifications in the last 12 months to borrowers experiencing financial difficulty as of the dates presented:March 31, 2025(dollars in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotalCommercial real estate$616 $— $— $— $616 Commercial and industrial16,536 — — 3,778 20,314 Commercial construction— 1,006 — — 1,006 Consumer real estate1,128 224 40 — 1,392 Total$18,280