Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 58

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 8
Chunk 58
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 2025 compared to the same periods in 2024 primarily due to increased customer deposits. Overall, the cost of interest-bearing liabilities decreased 26 and 21 basis points for the three and six months ended June 30, 2025 compared to the same periods in 2024.

The following table sets forth for the periods presented a summary of the changes in interest earned and interest paid resulting from changes in volume and changes in rates:

Three Months Ended June 30, 2025 Compared to June 30, 2024Six Months Ended June 30, 2025 Compared to June 30, 2024(dollars in thousands)Volume (4)Rate (4)TotalVolume (4)Rate (4)TotalInterest earned on:Interest-bearing deposits with banks$(318)$(298)$(616)$(548)$(719)$(1,267)Securities, at fair value(1)(2)367 2,159 2,526 531 4,073 4,604 Loans held for sale— — — (4)— (4)Commercial real estate1,939 (664)1,275 2,388 (1,930)458 Commercial and industrial(1,597)(2,457)(4,054)(3,271)(5,232)(8,503)Commercial construction146 (823)(677)335 (1,583)(1,248)Total Commercial Loans488 (3,944)(3,456)(548)(8,745)(9,293)Residential mortgage1,824 1,081 2,905 4,062 2,201 6,263 Home equity445 (1,033)(588)530 (2,240)(1,710)Installment and other consumer(124)(179)(303)(370)(362)(732)Consumer construction(473)89 (384)(812)222 (590)Total Consumer Loans1,672 (42)1,630 3,410 (179)3,231 Total Portfolio Loans2,160 (3,986)(1,826)2,862 (8,924)(6,062)Total Loans(1)(3)2,160 (3,986)(1,826)2,858 (8,924)(6,066)Total other earning assets(62)28 (34)(215)12