Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 101

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 101
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Amount% of Total$ Change% ChangeCommercialCommercial real estate$3,653,790 45.8 %$3,388,017 43.8 %$265,773 7.8 %Commercial and industrial1,466,075 18.4 %1,540,397 19.9 %(74,322)(4.8)%Commercial construction320,190 4.0 %352,886 4.5 %(32,696)(9.3)%Total Commercial Loans5,440,055 68.2 %5,281,300 68.2 %158,755 3.0 %ConsumerConsumer real estate2,438,352 30.5 %2,356,901 30.4 %81,451 3.5 %Other consumer102,600 1.3 %104,757 1.4 %(2,157)(2.1)%Total Consumer Loans2,540,952 31.8 %2,461,658 31.8 %79,294 3.2 %Total Portfolio Loans$7,981,007 100.0 %$7,742,958 100.0 %$238,049 3.1 %

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 $8.0 billion at September 30, 2025 compared to $7.7 billion at December 31, 2024. As of September 30, 2025, 23 percent of our total loans were adjustable rate, 37 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 commercial construction comprised 68.2 percent of total portfolio loans at both September 30, 2025 and December 31, 2024. The commercial loan portfolio increased $158.8 million at September 30, 2025 compared to December 31, 2024 due to an increase of $265.8