Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 30

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 8
Chunk 30
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inquency on a monthly basis.We monitor the commercial and business banking loan portfolio through an internal risk rating system. Loan risk ratings are assigned based upon the creditworthiness of the borrower and are reviewed on an ongoing basis according to our internal policies. Loans within the pass rating generally have a lower risk of loss than loans risk rated as special mention or substandard.Our risk ratings are consistent with regulatory guidance and are as follows:Pass—The loan is currently performing and is of high quality.Special Mention—A special mention loan has potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects or in the strength of our credit position at some future date. Substandard—A substandard loan is not adequately protected by the net worth and/or paying capacity of the borrower or by the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected.Doubtful—Loans classified doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

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

The following tables present loan balances by year of origination and internally assigned risk rating for our portfolio segments as of the dates presented:June 30, 2025Risk Rating by Year of Origination(dollars in thousands)202520242023202220212020 and PriorRevolvingRevolving-TermTotalCommercial Real EstatePass$256,433 $283,027 $291,889 $352,175 $386,657 $1,144,116 $42,783 $— $2,757,080 Special mention— — 225 330 1,814 39,664 254 — 42,287 Substandard— — 3,936 975 — 20,195 — — 25,106 Doubtful— — — — — — — — — Total Commercial Real Estate256,433 283,027 296,050 353,480 388