Company: STBA
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0000719220-25-000028
Chunk: 70

Company: S&T BANCORP INC
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 8
Chunk 70
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 Equity Tier 1 ratio of 14.67 percent at March 31, 2025 compared to 14.58 percent at December 31, 2024, both in excess of the well-capitalized regulatory guideline of 6.50 percent. 

The following table summarizes capital amounts and ratios for S&T and S&T Bank as of the dates presented:

(dollars in thousands)AdequatelyCapitalizedWell-CapitalizedMarch 31, 2025December 31, 2024AmountRatioAmountRatioS&T Bancorp, Inc.Tier 1 leverage4.00 %5.00 %$1,127,467 12.09 %$1,112,126 11.98 %Common equity tier 1 to risk-weighted assets4.50 %6.50 %1,103,467 14.67 %1,088,126 14.58 %Tier 1 capital to risk-weighted assets6.00 %8.00 %1,127,467 14.99 %1,112,126 14.90 %Total capital to risk-weighted assets8.00 %10.00 %1,246,607 16.57 %1,230,497 16.49 %S&T BankTier 1 leverage4.00 %5.00 %$1,072,716 11.51 %$1,060,010 11.43 %Common equity tier 1 to risk-weighted assets4.50 %6.50 %1,072,716 14.27 %1,060,010 14.21 %Tier 1 capital to risk-weighted assets6.00 %8.00 %1,072,716 14.27 %1,060,010 14.21 %Total capital to risk-weighted assets8.00 %10.00 %1,191,816 15.85 %1,178,335 15.79 %

We have filed a shelf registration statement on Form S-3 under the Securities Act of 1933, as amended, with the SEC, which allows for the issuance of a variety of securities including debt and capital securities, preferred and common stock and warrants. We may use the proceeds from the sale of securities for general corporate purposes, which could include investments at the holding company