Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 38

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 38
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ANCORP, INC. AND SUBSIDIARIESNOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

The following tables present loans that are individually evaluated and collateral-dependent as of the dates presented:September 30, 2025Type of Collateral(dollars in thousands)Real EstateBusiness AssetsOtherCommercial real estate$25,388$—$—Commercial and industrial—3,8645,000Total$25,388$3,864$5,000December 31, 2024Type of Collateral(dollars in thousands)Real EstateBusiness AssetsCommercial real estate$2,028$—Commercial and industrial—9,937Total$2,028$9,937

The following tables present activity in the ACL for the periods presented:Three Months Ended September 30, 2025(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$30,335 $32,080 $6,468 $11,461 $15,527 $2,709 $98,580 Provision for credit losses on loans(1)3,053 376 (2,161)87 415 219 1,989 Charge-offs— (1,971)— (462)(220)(400)(3,053)Recoveries— 146 9 49 170 265 639 Net (Charge-offs) Recoveries— (1,825)9 (413)(50)(135)(2,414)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.Three Months Ended September 30, 2024(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$37,077 $34,735 $5,347 $10,883 $15,376 $2,732 $106,150 Provision for credit losses on loans(1)(1,441)2,184 (945)252 46 212 308 Charge-offs