Company: STBA
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0000719220-25-000028
Chunk: 101

Company: S&T BANCORP INC
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 2
Chunk 101
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, 2025December 31, 2024AmountRatioAmountRatioS&T Bancorp, Inc.Tier 1 leverage4.00 %5.00 %$1,127,467 12.09 %$1,112,126 11.98 %Common equity tier 1 to risk-weighted assets4.50 %6.50 %1,103,467 14.67 %1,088,126 14.58 %Tier 1 capital to risk-weighted assets6.00 %8.00 %1,127,467 14.99 %1,112,126 14.90 %Total capital to risk-weighted assets8.00 %10.00 %1,246,607 16.57 %1,230,497 16.49 %S&T BankTier 1 leverage4.00 %5.00 %$1,072,716 11.51 %$1,060,010 11.43 %Common equity tier 1 to risk-weighted assets4.50 %6.50 %1,072,716 14.27 %1,060,010 14.21 %Tier 1 capital to risk-weighted assets6.00 %8.00 %1,072,716 14.27 %1,060,010 14.21 %Total capital to risk-weighted assets8.00 %10.00 %1,191,816 15.85 %1,178,335 15.79 %

We have filed a shelf registration statement on Form S-3 under the Securities Act of 1933, as amended, with the SEC, which allows for the issuance of a variety of securities including debt and capital securities, preferred and common stock and warrants. We may use the proceeds from the sale of securities for general corporate purposes, which could include investments at the holding company level, investing in, or extending credit to subsidiaries, possible acquisitions and stock repurchases. We have not issued any securities pursuant to this shelf registration statement at March 31, 2025.

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Table of ContentsS&T BANCORP, INC. AND SUBSIDIARIESItem 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Market risk is defined as the degree to which changes in interest