Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 89

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 2
Chunk 89
---
2,306 1.13 %Money market2,188,771 16,598 3.04 %1,938,963 15,660 3.25 %Savings880,448 1,517 0.69 %915,768 1,583 0.70 %Certificates of deposit1,872,329 19,022 4.07 %1,774,037 20,080 4.55 %Total Interest-bearing Deposits5,705,235 39,056 2.75 %5,451,439 39,629 2.92 %Short-term borrowings135,659 1,567 4.63 %261,923 3,319 5.09 %Long-term borrowings50,866 482 3.80 %39,099 441 4.53 %Junior subordinated debt securities49,439 877 7.12 %49,379 1,004 8.18 %Total Borrowings235,964 2,926 4.97 %350,401 4,764 5.46 %Other interest-bearing liabilities32,202 352 4.39 %57,734 778 5.42 %Total Interest-bearing Liabilities5,973,401 42,334 2.84 %5,859,574 45,171 3.10 %Noninterest-bearing liabilities2,315,213 2,397,606 Shareholders' equity1,436,288 1,303,270 Total Liabilities and Shareholders' Equity$9,724,902 $9,560,450 Net Interest Income (FTE) (non-GAAP)(1)(2)$87,162 $84,276 Net Interest Margin (FTE) (non-GAAP)(1)(2)3.88 %3.85 %

(1) Tax-exempt interest income is on an FTE basis (non-GAAP) using the statutory federal corporate income tax rate of 21 percent.

(2) Taxable investment income is adjusted for the dividend-received deduction for equity securities.

(3) Nonaccruing loans are included in the daily average loan amounts outstanding.

31

Table of ContentsS&T BANCORP, INC. AND SUBSIDIARIESItem 2. MANAGEMENT’S DIS