Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 27

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 27
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 1.60 %Consumer real estate330 — — 330 0.02 %Total$22,311 $12,340 $— $34,651 0.45 %

The following tables describe the effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:Three Months Ended September 30, 2025Nine Months Ended September 30, 2025Weighted-Average Term Extension (in months)Weighted-Average Payment Deferral(in months)Weighted-Average Term Extension (in months)Weighted-Average Payment Delays(in months)Commercial real estate3—3—Commercial and industrial18—1413Consumer real estate——121—Three Months Ended September 30, 2024Nine Months Ended September 30, 2024Weighted-Average Term Extension (in Months)Weighted-Average Payment Deferral(in Months)Weighted-Average Term Extension (in Months)Weighted-Average Payment Deferral(in Months)Commercial real estate3—3—Commercial and industrial——116Consumer real estate99—89—

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Table of ContentsS&T BANCORP, INC. AND SUBSIDIARIESNOTES TO CONDENSED 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 an aging analysis since the date of modification for loans to borrowers experiencing financial difficulty that were modified in the last 12 months as of the dates presented:September 30, 2025(dollars in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotalCommercial real estate$470 $14,574 $— $— $15,044 Commercial and industrial20,607 3,482 — — 24,089 Consumer real estate184 — — 246 430 Total$21,261 $18,056 $— $246 $39,563 September 30, 2024(dollars in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueTotalCommercial real estate$12,482 $— $— $— $12,482 Commercial and industrial14,364 7,475 — — 21,839 Business banking107 — — — 107