Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 101

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 2
Chunk 101
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72.7 million offset by gross unrealized gains of $1.0 million at December 31, 2024.

Loan Composition

The following table summarizes our loan portfolio as of the dates presented:June 30, 2025December 31, 2024(dollars in thousands)Amount% of TotalAmount% of Total$ Change% ChangeCommercialCommercial real estate$3,520,294 44.4 %$3,388,017 43.8 %$132,277 3.9 %Commercial and industrial1,512,027 19.0 %1,540,397 19.9 %(28,370)(1.8)%Commercial construction397,785 5.0 %352,886 4.5 %44,899 12.7 %Total Commercial Loans5,430,106 68.4 %5,281,300 68.2 %148,806 2.8 %ConsumerConsumer real estate2,404,151 30.3 %2,356,901 30.4 %47,250 2.0 %Other consumer100,177 1.3 %104,757 1.4 %(4,580)(4.4)%Total Consumer Loans2,504,328 31.6 %2,461,658 31.8 %42,670 1.7 %Total Portfolio Loans$7,934,434 100.0 %$7,742,958 100.0 %$191,476 2.5 %

The loan portfolio represents the most significant source of interest income for us. The risk that borrowers will be unable to pay such obligations is inherent in the loan portfolio. Other conditions, such as downturns in the borrower’s industry or the overall economic climate, can significantly impact the borrower’s ability to pay.

Total portfolio loans were $7.9 billion at June 30, 2025 compared to $7.7 billion at December 31, 2024. As of June 30, 2025, 22 percent of our total loans were adjustable rate, 38 percent were floating rate and 40 percent were fixed rate compared to 24 percent adjustable rate loans, 37 percent floating rate loans and 39 percent fixed rate loans at December 31, 2024. 

Commercial loans, including CRE, C&I and