Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 90

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 2
Chunk 90
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CUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Six Months Ended June 30, 2025Six Months Ended June 30, 2024(dollars in thousands)Average BalanceInterestRateAverage BalanceInterestRateASSETSInterest-bearing deposits with banks$124,423 $2,751 4.46 %$144,079 $4,018 5.61 %Securities, at fair value(1)(2)1,001,080 18,450 3.69 %964,128 13,846 2.87 %Loans held for sale— — — %101 4 7.16 %Commercial real estate3,436,686 99,691 5.85 %3,355,933 99,233 5.95 %Commercial and industrial1,527,139 50,727 6.70 %1,616,403 59,230 7.37 %Commercial construction378,643 13,037 6.94 %369,972 14,285 7.76 %Total Commercial Loans5,342,468 163,455 6.17 %5,342,308 172,748 6.50 %Residential mortgage1,667,242 43,538 5.23 %1,503,405 37,274 4.97 %Home equity661,636 20,796 6.34 %646,405 22,506 7.00 %Installment and other consumer99,476 3,910 7.93 %108,106 4,642 8.64 %Consumer construction43,080 1,461 6.84 %71,288 2,051 5.79 %Total Consumer Loans2,471,434 69,705 5.67 %2,329,204 66,473 5.73 %Total Portfolio Loans7,813,902 233,160 6.01 %7,671,512 239,221 6.27 %Total Loans(1)(3)7,813,902 233,160 6.01 %7,671,613 239,225 6.27 %Total other earning assets16,652 601 7.21 %