Company: STBA
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000719220-25-000053
Chunk: 38

Company: S&T BANCORP INC
Filing Date: 2025-08-07
Form: 10-Q
Item: Part I, Item 8
Chunk 38
---
$9,937

The following tables present activity in the ACL for the periods presented:Three Months Ended June 30, 2025(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$29,895 $33,414 $5,880 $11,213 $15,907 $2,701 $99,010 Provision for credit losses on loans(1)438 (1,157)677 387 (206)589 728 Charge-offs— (256)(89)(179)(390)(742)(1,656)Recoveries2 79 — 40 216 161 498 Net Recoveries (Charge-offs)2 (177)(89)(139)(174)(581)(1,158)Balance at End of Period$30,335 $32,080 $6,468 $11,461 $15,527 $2,709 $98,580 (1) Excludes the provision for credits losses for unfunded commitments.Three Months Ended June 30, 2024(dollars in thousands)CommercialReal EstateCommercial andIndustrialCommercialConstructionBusiness BankingConsumerReal EstateOtherConsumerTotal LoansAllowance for credit losses on loans:Balance at beginning of period$35,612 $34,207 $5,149 $11,798 $15,410 $2,626 $104,802 Provision for credit losses on loans(1)1,101 (149)198 (868)231 447 960 Charge-offs— — — (96)(332)(417)(845)Recoveries364 677 — 49 67 76 1,233 Net Recoveries (Charge-offs)364 677 — (47)(265)(341)388 Balance at End of Period$37,077 $34,735 $5,347 $10,883 $15,376 $2,732 $106,150 (1) Excludes the provision for credit losses for unfunded commitments.

21

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

The following tables present activity in