Company: STBA
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000719220-25-000091
Chunk: 54

Company: S&T BANCORP INC
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 54
---
754 17,520 3.40 %Savings873,968 1,583 0.72 %891,952 1,677 0.75 %Certificates of deposit1,915,006 19,127 3.96 %1,825,530 21,104 4.60 %Total Interest-bearing Deposits5,779,122 39,864 2.74 %5,555,090 42,493 3.04 %Short-term borrowings73,538 840 4.53 %202,500 2,489 4.88 %Long-term borrowings50,846 487 3.80 %40,383 454 4.47 %Junior subordinated debt securities49,454 883 7.08 %49,394 1,007 8.11 %Total Borrowings173,838 2,210 5.04 %292,277 3,950 5.37 %Other interest-bearing liabilities28,049 308 4.36 %41,038 554 5.36 %Total Interest-bearing Liabilities5,981,009 42,382 2.81 %5,888,405 46,997 3.17 %Noninterest-bearing liabilities2,355,972 2,377,914 Shareholders' equity1,463,098 1,354,047 Total Liabilities and Shareholders' Equity$9,800,079 $9,620,366 Net Interest Income (FTE) (non-GAAP)(1)(2)$89,843 $85,148 Net Interest Margin (FTE) (non-GAAP)(1)(2)3.93 %3.82 %

(1) Tax-exempt interest income is on an FTE basis (non-GAAP) using the statutory federal corporate income tax rate of 21 percent.

(2) Taxable investment income is adjusted for the dividend-received deduction for equity securities.

(3) Nonaccruing loans are included in the daily average loan amounts outstanding.

31

Table of ContentsS&T BANCORP, INC. AND SUBSIDIARIESItem 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Nine Months Ended September 30, 2025Nine Months Ended September 30