Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 39

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 8
Chunk 39
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 the ACL for the periods presented:Six Months Ended June 30, 2025(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$30,254 $37,084 $4,893 $10,681 $15,776 $2,806 $101,494 Provision for credit losses on loans(1)(54)(4,800)1,694 1,037 (47)387 (1,783)Charge-offs— (428)(119)(322)(552)(1,119)(2,540)Recoveries135 224 — 65 350 635 1,409 Net Recoveries (Charge-offs)135 (204)(119)(257)(202)(484)(1,131)Balance at End of Period$30,335 $32,080 $6,468 $11,461 $15,527 $2,709 $98,580 (1) Excludes the provision for credits losses for unfunded commitments.Six Months Ended June 30, 2024(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$37,886 $34,538 $5,382 $12,858 $14,663 $2,639 $107,966 Provision for credit losses on loans(1)3,938 532 (35)(1,862)1,089 723 4,385 Charge-offs(5,205)(1,128)— (194)(471)(786)(7,784)Recoveries458 793 — 81 95 156 1,583 Net Charge-offs(4,747)(335)— (113)(376)(630)(6,201)Balance at End of Period$37,077 $34,735 $5,347 $10,883 $15,376 $2,732 $106,150 (1) Excludes the provision for credits losses for unfunded commitments.

NOTE 6. DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Derivatives Designated as Hedging Instruments The following table indicates