Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 74

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 74
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CapitalizedWell-CapitalizedSeptember 30, 2025December 31, 2024AmountRatioAmountRatioS&T Bancorp, Inc.Tier 1 leverage4.00 %5.00 %$1,169,684 12.33 %$1,112,126 11.98 %Common equity tier 1 to risk-weighted assets4.50 %6.50 %1,145,684 14.75 %1,088,126 14.58 %Tier 1 capital to risk-weighted assets6.00 %8.00 %1,169,684 15.06 %1,112,126 14.90 %Total capital to risk-weighted assets8.00 %10.00 %1,291,886 16.63 %1,230,497 16.49 %S&T BankTier 1 leverage4.00 %5.00 %$1,110,324 11.71 %$1,060,010 11.43 %Common equity tier 1 to risk-weighted assets4.50 %6.50 %1,110,324 14.30 %1,060,010 14.21 %Tier 1 capital to risk-weighted assets6.00 %8.00 %1,110,324 14.30 %1,060,010 14.21 %Total capital to risk-weighted assets8.00 %10.00 %1,232,484 15.87 %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 September 30, 2025.

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

Market risk