Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 39

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 39
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— (1,308)— (179)(616)(337)(2,440)Recoveries1 113 — 73 40 76 303 Net (Charge-offs) Recoveries1 (1,195)— (106)(576)(261)(2,137)Balance at End of Period$35,637 $35,724 $4,402 $11,029 $14,846 $2,683 $104,321 (1) Excludes the provision for credit losses for unfunded commitments.

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Table of ContentsS&T BANCORP, INC. AND SUBSIDIARIESNOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

The following tables present activity in the ACL for the periods presented:Nine Months Ended September 30, 2025(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$30,254 $37,084 $4,893 $10,681 $15,776 $2,806 $101,494 Provision for credit losses on loans(1)2,999 (4,424)(467)1,124 368 606 206 Charge-offs— (2,399)(119)(784)(772)(1,519)(5,593)Recoveries135 370 9 114 520 900 2,048 Net (Charge-offs) Recoveries135 (2,029)(110)(670)(252)(619)(3,545)Balance at End of Period$33,388 $30,631 $4,316 $11,135 $15,892 $2,793 $98,155 (1) Excludes the provision for credits losses for unfunded commitments.Nine Months Ended September 30, 2024(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$37,886 $34,538 $5,382 $12,858 $14,663 $2,639 $107,966 Provision for credit losses on loans(1)2,498 2,715 (980)(1,610