# EDGAR Filing Document

**Accession Number:** 0000719220
**File Stem:** 0000719220-26-000004
**Filing Date:** 2026-1
**Character Count:** 94275
**Document Hash:** 5024d99e73b1c387872536339c62c820
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000719220-26-000004.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0000719220-26-000004

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 32

**CONFORMED PERIOD OF REPORT**: 20260121

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260122

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** S&T BANCORP INC
- **CENTRAL INDEX KEY:** 0000719220
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 251434426
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-12508
- **FILM NUMBER:** 26549685

**BUSINESS ADDRESS:**
- **STREET 1:** 800 PHILADELPHIA STREET
- **STREET 2:** PO BOX 190
- **CITY:** INDIANA
- **STATE:** PA
- **ZIP:** 15701
- **BUSINESS PHONE:** 724-427-2347

**MAIL ADDRESS:**
- **STREET 1:** 800 PHILADELPHIA STREET
- **STREET 2:** PO BOX 190
- **CITY:** INDIANA
- **STATE:** PA
- **ZIP:** 15701

?xml version='1.0' encoding='ASCII'? stba-20260121

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934**

January 21, 2026

Date of Report (date of earliest event reported)

S&T BANCORP, INC

**(Exact name of registrant as specified in its charter)**

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| | | | |
|:---|:---|:---|:---|
| **Pennsylvania** | **0-12508** | **0-12508** | **25-1434426** |
| (State or other jurisdiction of incorporation or organization) | (Commission File Number) | (Commission File Number) | (I.R.S. Employer Identification No.) |
| **800 Philadelphia Street** | **Indiana** | **PA** | **15701** |
| (Address of Principal Executive Offices) | (Address of Principal Executive Offices) | (Address of Principal Executive Offices) | (Zip Code) |

---

**(800) 325-2265** 

Registrant's telephone number, including area code

**(Not applicable)** 

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| Common Stock, $2.50 par value | STBA | NASDAQ Global Select Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 2.02 Results of Operations and Financial Condition.** 

On January 22, 2026 S&T Bancorp, Inc. (S&T) announced by press release its earnings for the three and twelve months ended December 31, 2025. A copy of the press release is attached hereto as <u>[Exhibit 99.1](stba-ex991earningspressrel.htm)</u> and is incorporated by reference in this Item 2.02. The information contained in this Item 2.02 of this Report on Form 8-K, including <u>[Exhibit 99.1](stba-ex991earningspressrel.htm)</u>, is being furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Exchange Act of 1933, as amended (the "Securities Act"), or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

**Item 7.01 Regulation FD Disclosure.**

In connection with the issuance of its earnings for the three and twelve months ended December 31, 2025, S&T has also made available on its website materials that contain supplemental information about S&T's financial results ("Supplemental Information"). A copy of the supplemental information is attached hereto as <u>[Exhibit 99.2](stbaex992earningssupplem.htm)</u> and is incorporated by reference in this Item 7.01. The information contained in this Item 7.01 of this Report on Form 8-K, including <u>[Exhibit 99.2](stbaex992earningssupplem.htm)</u>, is being furnished and shall not be deemed "filed" for purposes of the Exchange Act, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

**Item 8.01 Other Events.**

On January 22, 2026, S&T also announced that the board authorized a new $100 million share repurchase program at its meeting held January 21, 2026. The new program will replace the existing share repurchase program effective January 26, 2026, and is set to expire February 1, 2027. The remaining capacity under the existing share repurchase program was terminated. The new program authorizes the share repurchase of S&T's common stock from time to time through a combination of open market and privately negotiated transactions up to the authorized $100 million aggregate value of S&T's common stock. The specific timing, price and quantity of repurchases will be at the discretion of S&T and will depend on a variety of factors, including general market conditions, the trading price of the common stock, applicable securities laws and other legal and contractual requirements, as well as S&T's financial performance. The repurchase program does not obligate S&T to repurchase any particular number of shares and may be extended, modified, or discontinued at any time. A copy of the press release is included as <u>[Exhibit 99.](stbaex993repurchaseplanpre.htm)[3](stbaex993repurchaseplanpre.htm)</u> to this report and is incorporated herein by reference .

The information in this Form 8-K and the exhibits attached to this Form 8-K contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on current expectations and are subject to a number of factors that could cause actual events to differ materially from those anticipated, including without limitation fluctuations in the market price of the common stock, regulatory, legal and contractual requirements, other uses of capital, the company's financial performance, market conditions generally or modification, extension or termination of the share repurchase authorization by the board of directors. Forward-looking statements are based on beliefs and assumptions using information available at the time the statements are made. We caution you not to unduly rely on forward-looking statements because the assumptions, beliefs, expectations and projections about future events may, and often do, differ materially from actual results. You should consider the above uncertainties as well as the precautionary statements included in S&T's filings with the SEC, including without limitation the "risk factors" section of its Form 10-K. Any forward-looking statement speaks only as to the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect developments occurring after the statement is made.

**Item 9.01 Financial Statements and Exhibits.** 

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit No.** | **Description of Exhibit** |
| <u>[99.1](stba-ex991earningspressrel.htm)</u> | Earnings Press Release |
| <u>[99.2](stbaex992earningssupplem.htm)</u> | Supplemental Information |
| <u>[99.3](stbaex993repurchaseplanpre.htm)</u> | Share Repurchase Program Press Release |
| 104 | Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL) |

---

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed by the undersigned thereunto duly authorized.

---

| | |
|:---|:---|
| | S&T Bancorp, Inc.<br>/s/ Mark Kochvar |
| January 22, 2026 | Mark Kochvar<br>Senior Executive Vice President,<br>Chief Financial Officer |

---

## Exhibit 99.1

---

| | |
|:---|:---|
| **INVESTOR CONTACT:**<br>Mark Kochvar<br>S&T Bancorp, Inc.<br>Chief Financial Officer<br>724.465.4826<br>mark.kochvar@stbank.com  | ![earn_image1a15.jpg](earn_image1a15.jpg) |

---

**FOR IMMEDIATE RELEASE**

**S&T Bancorp, Inc. Announces Fourth Quarter and Full Year 2025 Results** 

**INDIANA, Pa.** - **January 22, 2026** - S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced fourth quarter and full year 2025 earnings. Net income of $34.0 million, or $0.89 per diluted share, for the fourth quarter of 2025 compared to net income of $35.0 million, or $0.91 per diluted share, for the third quarter of 2025 and net income of $33.1 million, or $0.86 per diluted share, for the fourth quarter of 2024.

Net income was $134.2 million for the full year 2025 compared to net income of $131.3 million for 2024. Earnings per diluted share (EPS) was $3.49 for 2025 compared to $3.41 in 2024.

**Fourth Quarter of 2025 Highlights**:

• Strong return metrics with return on average assets (ROA) of 1.37%, return on average equity (ROE) of 9.13% and return on average tangible equity (ROTE) (non-GAAP) of 12.30% compared to ROA of 1.42%, ROE of 9.48% and ROTE (non-GAAP) of 12.81% for the third quarter of 2025.

• Pre-provision net revenue to average assets (PPNR) (non-GAAP) was 1.95% compared to 1.89% for the third quarter of 2025.

• Net interest income growth of $1.8 million, or 1.93%, and net interest margin on a fully taxable equivalent basis (NIM) (FTE) (non-GAAP) expansion of 6 basis points to 3.99% compared to 3.93% in the third quarter of 2025. &nbsp;&nbsp;&nbsp;&nbsp;

• Total portfolio loans increased $91.0 million, or 4.52% annualized, compared to September 30, 2025.

• Total deposits increased $36.9 million, or 1.85% annualized, with $56.9 million of customer deposit growth, or 2.92% annualized, offset by lower brokered deposits of $20.0 million compared to September 30, 2025.

• Higher net charge-offs of $11.0 million, or 0.54% of average loans, compared to net charge-offs of $2.4 million, or 0.12% of average loans, in the third quarter of 2025, primarily related to nonperforming asset (NPA) resolutions.

• NPAs of $55.6 million, or 0.69% of total loans plus other real estate owned (OREO) compared to $49.6 million, or 0.62%, at September 30, 2025.

**Full Year 2025 Highlights:**

• Net income was $134.2 million compared to $131.3 million for 2024 and EPS was $3.49 per diluted share compared to $3.41 in 2024.

• Strong return metrics with ROA of 1.38%, ROE of 9.29% and ROTE (non-GAAP) of 12.62% compared to ROA of 1.37%, ROE of 9.86% and ROTE (non-GAAP) of 13.84% for the prior year.

**•** PPNR (non-GAAP) was 1.82% compared to 1.77% in the prior year.

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S&T Earnings Release - 2

**•** Net interest income growth of $15.3 million, or 4.57%, and NIM (FTE) (non-GAAP) expansion of 8 basis points to 3.90% compared to 3.82% in the prior year. &nbsp;&nbsp;&nbsp;&nbsp;

• Total portfolio loans increased $329.0 million, or 4.25%, compared to December 31, 2024.

• Total deposits increased $175.7 million compared to December 31, 2024. Customer deposit growth of $220.5 million, or 2.92%, was offset by lower brokered deposits of $44.8 million.

• Net charge-offs were $14.5 million, or 0.18% of average loans, compared to net charge-offs of $8.3 million, or 0.11% of average loans, in the prior year.

• NPAs were $55.6 million, or 0.69% of total loans plus OREO, compared to $27.9 million, or 0.36%, at December 31, 2024.

"I'm extremely proud of the strong performance we delivered in the fourth quarter and across 2025. These results reflect disciplined execution of our strategy, continued momentum on our key business drivers and strong core profitability," said Chris McComish, chief executive officer. "As we move into 2026, we remain focused on our people-forward approach and purpose-driven culture to enable sustainable growth, deliver value to our shareholders and serve our customers and communities with the integrity and commitment that defines S&T."

**Fourth Quarter of 2025 Results (three months ended December 31, 2025)**

**Net Interest Income**

Net interest income increased $1.8 million, or 1.93%, to $91.0 million in the fourth quarter of 2025 compared to $89.2 million in the third quarter of 2025. NIM (FTE) (non-GAAP) expanded 6 basis points to 3.99% compared to 3.93% in the prior quarter. The yield on average total interest-earning assets decreased 3 basis points to 5.74% compared to 5.77% in the third quarter of 2025. Total interest-bearing liability costs decreased 15 basis points to 2.66% compared to 2.81% in the third quarter of 2025 due to a decrease in interest rates.

**Asset Quality**

The allowance for credit losses, or ACL, was $93.2 million, or 1.15% of total portfolio loans, at December 31, 2025 compared to $98.2 million, or 1.23%, at September 30, 2025. The decrease in the ACL was mainly due to a reduction in criticized and classified assets of $30.4 million and a decrease in specific reserves of $1.1 million compared to September 30, 2025. Net loan charge-offs were $11.0 million, or 0.54% of average loans, compared to net loan charge-offs of $2.4 million, or 0.12% of average loans, in the third quarter of 2025. The increase in net loan charge-offs was primarily related to the resolution of NPAs during the fourth quarter. The provision for credit losses was $5.7 million for the fourth quarter of 2025 compared to $2.8 million in the third quarter of 2025. The provision for credit losses was higher due to an increase in net loan charge-offs offset by a lower level of ACL. NPAs increased $6.0 million to $55.6 million, or 0.69% of total loans plus OREO, compared to $49.6 million, or 0.62%, at September 30, 2025. Total NPAs remain at a manageable level.

**Noninterest Income and Expense**

Noninterest income increased $0.5 million to $14.3 million in the fourth quarter of 2025 compared to $13.8 million in the third quarter of 2025. Total noninterest expense increased $0.8 million to $57.2 million compared to $56.4 million in the third quarter of 2025. Salaries and employee benefits increased $0.5 million primarily related to higher salaries and

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S&T Earnings Release - 3

medical costs compared to the third quarter of 2025. Marketing increased $0.3 million due to the timing of various marketing promotions.

**Financial Condition**

Total assets were $9.9 billion at December 31, 2025, an increase of $53.5 million from $9.8 billion at September 30, 2025. Total portfolio loans increased $91.0 million, or 4.52% annualized, compared to September 30, 2025. The commercial loan portfolio increased $86.2 million due to increases in commercial construction of $59.9 million and commercial and industrial of $53.3 million offset by a decline in commercial real estate of $27.0 million compared to September 30, 2025. The consumer loan portfolio increased $4.8 million primarily as a result of growth in residential mortgage of $9.7 million and home equity of $9.1 million partially offset by decreases in installment and other consumer of $11.3 million compared to September 30, 2025. Total deposits increased $36.9 million, or 1.85% annualized, primarily related to increases in interest-bearing demand of $44.4 million and certificates of deposit, or CDs, of $24.2 million partially offset by a decrease in noninterest-bearing demand of $28.1 million compared to September 30, 2025. The increase in CDs of $24.2 million is net of a decline in brokered CDs of $20.0 million compared to September 30, 2025.

S&T continues to maintain a strong regulatory capital position with all capital ratios above the well-capitalized thresholds of federal bank regulatory agencies. During the fourth quarter of 2025, 948,270 of common shares were repurchased for an average share price of $38.20 per share totaling $36.2 million.

**Full Year 2025 Results (twelve months ended December 31, 2025)**

Net income was $134.2 million for 2025 compared to net income of $131.3 million for 2024. EPS was $3.49 compared to $3.41 in 2024.

Net interest income increased $15.3 million, or 4.57%, to $350.1 million compared to $334.8 million in 2024. NIM (FTE) (non-GAAP) increased 8 basis points to 3.90% compared to 3.82% for 2024. The relative stability of NIM (FTE) (non-GAAP), despite the declining interest rate environment, reflects the strategic repositioning of the balance sheet to be more interest rate neutral. Average interest-earning assets increased $197.2 million to $9.0 billion in 2025 compared to $8.8 billion in 2024. The yield on average total interest-earning assets decreased 13 basis points to 5.74% compared to 5.87% in 2024. Average total interest-bearing liability costs decreased 30 basis points to 2.79% compared to 3.09% in 2024 due to a decrease in interest rates.

Noninterest income increased $2.9 million to $52.0 million compared to $49.1 million in the prior year. The increase primarily related to lower security losses of $2.3 million in 2025 compared to $7.9 million in 2024 offset by a $3.5 million gain from the exchange offer for Visa Class B-1 common stock in 2024. Noninterest expense increased $7.8 million, or 3.57%, to $226.8 million compared to $218.9 million in 2024. Expenses remained relatively stable with the most significant increase related to salaries and employee benefits of $5.7 million primarily due to higher salary and incentive costs.

The allowance for credit losses, or ACL, was $93.2 million, or 1.15% of total portfolio loans, at December 31, 2025 compared to $101.5 million, or 1.31%, at December 31, 2024. The provision for credit losses was $7.4 million for 2025 compared to $0.1 million for 2024. The increase in provision for credit losses primarily related to higher loan net charge-offs offset by a lower level of ACL. Net loan charge-offs were $14.5 million for 2025 compared to $8.3 million for 2024. Higher net charge-offs in 2025 primarily related to the resolution of NPAs during the fourth quarter. NPAs increased

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S&T Earnings Release - 4

$27.7 million to $55.6 million compared to $27.9 million in the prior year resulting in an NPA to total loans plus OREO ratio of 0.69% compared to 0.36% at December 31, 2024.

**New Share Repurchase Plan Authorization**

The board of directors authorized a new $100 million share repurchase program at its meeting held January 21, 2026. The new program will replace the existing share repurchase program effective January 26, 2026, and is set to expire February 1, 2027. The remaining capacity under the existing share repurchase program was terminated.

"The board's authorization of the new share repurchase program reflects our focus on disciplined capital management given our robust capital position," said Chris McComish, chief executive officer. "The program provides flexibility to deploy capital in a manner that supports our long-term strategy and commitment to enhancing shareholder value, while maintaining a strong balance sheet."

**Conference Call** 

S&T will host its fourth quarter 2025 earnings conference call live over the Internet at 1:00 p.m. ET, Thursday, January 22, 2026. To access the webcast, go to S&T Bancorp, Inc.'s Investor Relations webpage www.stbancorp.com. After the live presentation, the webcast will be archived at www.stbancorp.com for 12 months.

**About S&T Bancorp, Inc. and S&T Bank**

S&T Bancorp, Inc. is a $9.9 billion bank holding company that is headquartered in Indiana, Pennsylvania and trades on the NASDAQ Global Select Market under the symbol STBA. Its principal subsidiary, S&T Bank, was established in 1902 and operates in Pennsylvania and Ohio. For more information, visit stbancorp.com or stbank.com. Follow us on Facebook, Instagram and LinkedIn.

**Forward-Looking Statements**

This information contains or incorporates statements that we believe are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements generally relate to our financial condition, results of operations, plans, objectives, outlook for earnings, revenues, expenses, capital and liquidity levels and ratios, asset levels, asset quality, financial position and other matters regarding or affecting S&T and its future business and operations. Forward-looking statements are typically identified by words or phrases such as "will likely result," "expect," "anticipate," "estimate," "forecast," "project," "intend," "believe," "assume," "strategy," "trend," "plan," "outlook," "outcome," "continue," "remain," "potential," "opportunity," "comfortable," "current," "position," "maintain," "sustain," "seek," "achieve," and variations of such words and similar expressions, or future or conditional verbs such as "will," "would," "should," "could" or "may." Although we believe the assumptions upon which these forward-looking statements are based are reasonable, any of these assumptions could prove to be inaccurate and the forward-looking statements based on these assumptions could be incorrect. The matters discussed in these forward-looking statements are subject to various risks, uncertainties and other factors that could cause actual results and trends to differ materially from those made, projected, or implied in or by the forward-looking statements depending on a variety of uncertainties or other factors including, but not limited to: credit losses and the credit risk of our commercial and consumer loan products; changes in the level of charge-offs and changes in estimates of the adequacy of the allowance for credit losses, or ACL; cybersecurity concerns; rapid technological developments and changes; operational risks or risk management failures by us or critical third parties, including fraud risk; our ability to manage our reputational risks; sensitivity to the interest rate environment, a rapid increase in interest rates or a change in the shape

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S&T Earnings Release - 5

of the yield curve; a change in spreads on interest-earning assets and interest-bearing liabilities; regulatory supervision and oversight, including changes in regulatory capital requirements and our ability to address those requirements; unanticipated changes in our liquidity position; unanticipated changes in regulatory and governmental policies impacting interest rates and financial markets; changes in accounting policies, practices or guidance; legislation affecting the financial services industry as a whole, and S&T, in particular; developments affecting the industry and the soundness of financial institutions and further disruption to the economy and U.S. banking system; the outcome of pending and future litigation and governmental proceedings; increasing price and product/service competition; the ability to continue to introduce competitive new products and services on a timely, cost-effective basis; managing our internal growth and acquisitions; the possibility that the anticipated benefits from acquisitions cannot be fully realized in a timely manner or at all, or that integrating the acquired operations will be more difficult, disruptive or costly than anticipated; containing costs and expenses; reliance on significant customer relationships; an interruption or cessation of an important service by a third-party provider; our ability to attract and retain talented executives and other employees; general economic or business conditions, including the strength of regional economic conditions in our market area; ESG practices and disclosures, including climate change, hiring practices, the diversity of the work force and racial and social justice issues; deterioration of the housing market and reduced demand for mortgages; deterioration in the overall macroeconomic conditions or the state of the banking industry that could warrant further analysis of the carrying value of goodwill and could result in an adjustment to its carrying value resulting in a non-cash charge to net income; the stability of our core deposit base and access to contingency funding; re-emergence of turbulence in significant portions of the global financial and real estate markets that could impact our performance, both directly, by affecting our revenues and the value of our assets and liabilities, and indirectly, by affecting the economy generally and access to capital in the amounts, at the times and on the terms required to support our future businesses and geopolitical tensions and conflicts between nations.

Many of these factors, as well as other factors, are described in our Annual Report on Form 10-K for the year ended December 31, 2024, including Part I, Item 1A-"Risk Factors" and any of our subsequent filings with the SEC. Forward-looking statements are based on beliefs and assumptions using information available at the time the statements are made. We caution you not to unduly rely on forward-looking statements because the assumptions, beliefs, expectations and projections about future events may, and often do, differ materially from actual results. Any forward-looking statement speaks only as to the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect developments occurring after the statement is made.

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S&T Earnings Release - 6

**Non-GAAP Financial Measures**

In addition to traditional measures presented in accordance with GAAP, our management uses, and this information contains or references, certain non-GAAP financial measures, such as tangible book value, return on average tangible shareholder's equity, pre-provision net revenue to average assets, efficiency ratio on an FTE basis, tangible common equity to tangible assets and net interest margin on an FTE basis. We believe these non-GAAP financial measures provide information useful to investors in understanding our underlying operational performance and our business and performance trends as they facilitate comparisons with the performance of other companies in the financial services industry. Although we believe that these non-GAAP financial measures enhance investors' understanding of our business and performance, these non-GAAP financial measures should not be considered alternatives to GAAP or considered to be more important than financial results determined in accordance with GAAP, nor are they necessarily comparable with non-GAAP measures which may be presented by other companies. See Definitions and Reconciliation of GAAP to Non-GAAP Financial Measures for more information related to these financial measures.

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| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 7 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 7 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 7 |

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| | | | |
|:---|:---|:---|:---|
| | **2025** | **2025** | **2024** |
| | **Fourth** | **Third** | **Fourth** |
| *(dollars in thousands, except per share data)* | **Quarter** | **Quarter** | **Quarter** |
| **INTEREST AND DIVIDEND INCOME** |  |  |  |
| Loans, including fees | $120356 | $120321 | $117334 |
| Investment Securities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable | 10426 | 10994 | 10167 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt | 34 | 34 | 164 |
| &nbsp;&nbsp;&nbsp;&nbsp;Dividends | 297 | 274 | 214 |
| **Total Interest and Dividend Income** | **131113** | **131623** | **127879** |
| **INTEREST EXPENSE** |  |  |  |
| Deposits | 37296 | 39864 | 40627 |
| Borrowings, junior subordinated debt securities and other | 2857 | 2518 | 3994 |
| **Total Interest Expense** | **40153** | **42382** | **44621** |
| **NET INTEREST INCOME** | **90960** | **89241** | **83258** |
| Provision for credit losses | 5696 | 2792 | (2462) |
| **Net Interest Income After Provision for Credit Losses** | **85264** | **86449** | **85720** |
| **NONINTEREST INCOME** |  |  |  |
| Loss on sale of securities |  |  | (2592) |
| Debit and credit card | 4805 | 4722 | 4627 |
| Service charges on deposit accounts | 4206 | 4175 | 4175 |
| Wealth management | 3203 | 3118 | 3151 |
| Other | 2117 | 1748 | 1710 |
| **Total Noninterest Income** | **14331** | **13763** | **11071** |
| **NONINTEREST EXPENSE** |  |  |  |
| Salaries and employee benefits | 32707 | 32180 | 30816 |
| Data processing and information technology | 5079 | 4901 | 5338 |
| Occupancy | 3855 | 4014 | 3755 |
| Furniture, equipment and software | 3453 | 3225 | 3295 |
| Other taxes | 1931 | 2088 | 2274 |
| Marketing | 1546 | 1255 | 1622 |
| Professional services and legal | 1228 | 1199 | 1116 |
| FDIC insurance | 1062 | 1071 | 1045 |
| Other noninterest expense | 6315 | 6443 | 6184 |
| **Total Noninterest Expense** | **57176** | **56376** | **55445** |
| **Income Before Taxes** | **42419** | **43836** | **41346** |
| Income tax expense | 8452 | 8874 | 8281 |
| **Net Income** | **$33967** | **$34962** | **$33065** |
| **<u>Per Share Data</u>** |  |  |  |
| Shares outstanding at end of period | 37402705 | 38350500 | 38259449 |
| Average shares outstanding - diluted | 38136813 | 38595118 | 38570784 |
| Diluted earnings per share | $0.89 | $0.91 | $0.86 |
| Dividends declared per share | $0.36 | $0.34 | $0.34 |
| Dividend yield (annualized) | 3.66% | 3.62% | 3.56% |
| Dividends paid to net income | 40.14% | 37.35% | 39.36% |
| Book value | $39.14 | $38.47 | $36.08 |
| Tangible book value (non-GAAP) <sup>(1)</sup> | $29.11 | $28.69 | $26.25 |
| Market value | $39.35 | $37.59 | $38.22 |
| **<u>Profitability Ratios (Annualized)</u>** |  |  |  |
| Return on average assets | 1.37% | 1.42% | 1.37% |
| Return on average shareholders' equity | 9.13% | 9.48% | 9.57% |
| Return on average tangible shareholders' equity (non-GAAP)<sup>(2)</sup> | 12.30% | 12.81% | 13.25% |
| Pre-provision net revenue / average assets (non-GAAP)<sup>(3)</sup> | 1.95% | 1.89% | 1.72% |
| Efficiency ratio (FTE) (non-GAAP)<sup>(4)</sup> | 53.99% | 54.41% | 56.93% |

---

- more -

------

---

| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 8 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 8 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 8 |

---

---

| | | |
|:---|:---|:---|
| | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
| *(dollars in thousands, except per share data)* | **2025** | **2024** |
| **INTEREST AND DIVIDEND INCOME** |  |  |
| Loans, including fees | $472713 | $476382 |
| Investment Securities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable | 42339 | 37744 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt | 260 | 690 |
| &nbsp;&nbsp;&nbsp;&nbsp;Dividends | 1178 | 1056 |
| **Total Interest and Dividend Income** | **516490** | **515872** |
| **INTEREST EXPENSE** |  |  |
| Deposits | 154570 | 159411 |
| Borrowings, junior subordinated debt securities and other | 11824 | 21655 |
| **Total Interest Expense** | **166394** | **181066** |
| **NET INTEREST INCOME** | **350096** | **334806** |
| Provision for credit losses | 7422 | 133 |
| **Net Interest Income After Provision for Credit Losses** | **342674** | **334673** |
| **NONINTEREST INCOME** |  |  |
| Loss on sale of securities | (2295) | (7938) |
| Debit and credit card | 18303 | 18263 |
| Service charges on deposit accounts | 16433 | 16273 |
| Wealth management | 12447 | 12259 |
| Other | 7135 | 10226 |
| **Total Noninterest Income** | **52023** | **49083** |
| **NONINTEREST EXPENSE** |  |  |
| Salaries and employee benefits | 127647 | 121990 |
| Data processing and information technology | 19757 | 19510 |
| Occupancy | 16195 | 15102 |
| Furniture, equipment and software | 13513 | 13559 |
| Other Taxes | 7601 | 7452 |
| Marketing | 5906 | 6351 |
| Professional services and legal | 5452 | 5468 |
| FDIC insurance | 4235 | 4201 |
| Other noninterest expense | 26451 | 25305 |
| **Total Noninterest Expense** | **226757** | **218938** |
| **Income Before Taxes** | **167940** | **164818** |
| Income tax expense | 33710 | 33553 |
| **Net Income** | **$134230** | **$131265** |
| **<u>Per Share Data</u>** |  |  |
| Average shares outstanding - diluted | 38491504 | 38523688 |
| Diluted earnings per share | $3.49 | $3.41 |
| Dividends declared per share | $1.38 | $1.33 |
| Dividends paid to net income | 39.40% | 38.83% |
| **<u>Profitability Ratios (annualized)</u>** |  |  |
| Return on average assets | 1.38% | 1.37% |
| Return on average shareholders' equity | 9.29% | 9.86% |
| Return on average tangible shareholders' equity (non-GAAP)<sup>(5)</sup> | 12.62% | 13.84% |
| Pre-provision net revenue / average assets (non-GAAP)<sup>(6)</sup> | 1.82% | 1.77% |
| Efficiency ratio (FTE) (non-GAAP)<sup>(7)</sup> | 55.74% | 55.99% |

---

- more -

------

---

| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 9 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 9 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 9 |

---

---

| | | | |
|:---|:---|:---|:---|
| | **2025** | **2025** | **2024** |
| | **Fourth** | **Third** | **Fourth** |
| *(dollars in thousands)* | **Quarter** | **Quarter** | **Quarter** |
| **ASSETS** |  |  |  |
| Cash and due from banks | $163436 | $196228 | $244820 |
| Securities available for sale, at fair value | 987659 | 1001149 | 987591 |
| Loans held for sale | 1010 |  |  |
| Commercial loans: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | 3626784 | 3653790 | 3388017 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 1519336 | 1466075 | 1540397 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction | 380091 | 320190 | 352886 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Commercial Loans** | **5526211** | **5440055** | **5281300** |
| Consumer loans: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage | 1710351 | 1700636 | 1649639 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 707966 | 698886 | 653756 |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment and other consumer | 91280 | 102600 | 104757 |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer construction | 36149 | 38830 | 53506 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Consumer Loans** | **2545746** | **2540952** | **2461658** |
| **Total Portfolio Loans** | **8071957** | **7981007** | **7742958** |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses | (93178) | (98155) | (101494) |
| **Total Portfolio Loans, Net** | **7978779** | **7882852** | **7641464** |
| Federal Home Loan Bank and other restricted stock, at cost | 16030 | 15042 | 15231 |
| Goodwill | 373424 | 373424 | 373424 |
| Other Intangible assets, net | 2251 | 2450 | 3055 |
| Other assets | 348391 | 346338 | 392387 |
| **Total Assets** | **$9870980** | **$9817483** | **$9657972** |
| **LIABILITIES** |  |  |  |
| Deposits: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing demand | $2160645 | $2188699 | $2185242 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing demand | 790278 | 745904 | 812768 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 2196998 | 2194702 | 2040285 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 862118 | 868019 | 877859 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | 1948792 | 1924619 | 1866963 |
| **Total Deposits** | **7958831** | **7921943** | **7783117** |
| Borrowings: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Short-term borrowings | 165000 | 135000 | 150000 |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings | 50815 | 50836 | 50896 |
| &nbsp;&nbsp;&nbsp;&nbsp;Junior subordinated debt securities | 49478 | 49463 | 49418 |
| **Total Borrowings** | **265293** | **235299** | **250314** |
| Other liabilities | 182979 | 184775 | 244247 |
| **Total Liabilities** | **8407103** | **8342017** | **8277678** |
| **SHAREHOLDERS' EQUITY** |  |  |  |
| **Total Shareholders' Equity** | **1463877** | **1475466** | **1380294** |
| **Total Liabilities and Shareholders' Equity** | **$9870980** | **$9817483** | **$9657972** |
| **<u>Capitalization Ratios</u>** |  |  |  |
| Shareholders' equity / assets | 14.83% | 15.03% | 14.29% |
| Tangible common equity / tangible assets (non-GAAP)<sup>(9)</sup> | 11.46% | 11.65% | 10.82% |
| Tier 1 leverage ratio | 12.18% | 12.33% | 11.98% |
| Common equity tier 1 capital | 14.32% | 14.75% | 14.58% |
| Risk-based capital - tier 1 | 14.62% | 15.06% | 14.90% |
| Risk-based capital - total | 16.19% | 16.63% | 16.49% |

---

- more -

------

---

| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 10 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 10 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 10 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **2025** | | **2025** | | **2024** | |
| | **Fourth** | | **Third** | | **Fourth** | |
| *(dollars in thousands)* | **Quarter** |  | **Quarter** |  | **Quarter** |  |
| **<u>Net Interest Margin (FTE) (non-GAAP) (QTD Averages)</u>** |  |  |  |  |  |  |
| **ASSETS** |  |  |  |  |  |  |
| Interest-bearing deposits with banks | $112524 | 3.98% | $128236 | 4.43% | $172179 | 4.85% |
| Securities, at fair value | 985200 | 3.80% | 1011624 | 3.80% | 992653 | 3.34% |
| Loans held for sale | 890 | 6.44% | 18 | 6.88% | 117 | 6.61% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | 3625455 | 5.87% | 3564071 | 5.86% | 3328052 | 5.83% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 1491942 | 6.54% | 1485816 | 6.78% | 1538983 | 6.92% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction | 348987 | 7.34% | 379167 | 6.97% | 368566 | 7.99% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Commercial Loans** | **5466384** | **6.15%** | **5429054** | **6.19%** | **5235601** | **6.30%** |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage | 1701279 | 5.33% | 1688697 | 5.33% | 1635313 | 5.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 700194 | 6.22% | 687639 | 6.35% | 649152 | 6.66% |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment and other consumer | 92748 | 7.73% | 100551 | 7.85% | 105478 | 8.18% |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer construction | 40868 | 6.75% | 40612 | 6.73% | 56165 | 6.70% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Consumer Loans** | **2535089** | **5.69%** | **2517499** | **5.73%** | **2446108** | **5.71%** |
| Total Portfolio Loans | 8001473 | 6.00% | 7946553 | 6.04% | 7681709 | 6.11% |
| **Total Loans** | **8002363** | **6.00%** | **7946571** | **6.04%** | **7681826** | **6.11%** |
| Total other earning assets | 15366 | 7.40% | 13808 | 7.63% | 13680 | 6.59% |
| **Total Interest-earning Assets** | **9115453** | **5.74%** | **9100239** | **5.77%** | **8860338** | **5.78%** |
| Noninterest-earning assets | 694161 |  | 699840 |  | 711374 |  |
| **Total Assets** | **$9809614** |  | **$9800079** |  | **$9571712** |  |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing demand | $770233 | 0.94% | $742817 | 0.99% | $780396 | 1.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 2202015 | 2.75% | 2247331 | 3.06% | 2060103 | 3.17% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 859344 | 0.68% | 873968 | 0.72% | 874699 | 0.70% |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | 1925474 | 3.86% | 1915006 | 3.96% | 1818755 | 4.52% |
| **Total Interest-bearing Deposits** | **5757066** | **2.57%** | **5779122** | **2.74%** | **5533953** | **2.92%** |
| &nbsp;&nbsp;&nbsp;&nbsp;Short-term borrowings | 119293 | 4.32% | 73538 | 4.53% | 159011 | 4.84% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings | 50826 | 3.80% | 50846 | 3.80% | 66364 | 3.76% |
| &nbsp;&nbsp;&nbsp;&nbsp;Junior subordinated debt securities | 49469 | 6.79% | 49454 | 7.08% | 49408 | 7.69% |
| **Total Borrowings** | **219588** | **4.75%** | **173838** | **5.04%** | **274783** | **5.09%** |
| Total Other Interest-bearing Liabilities | 22736 | 3.95% | 28049 | 4.36% | 40055 | 4.71% |
| **Total Interest-bearing Liabilities** | **5999390** | **2.66%** | **5981009** | **2.81%** | **5848791** | **3.03%** |
| Noninterest-bearing liabilities | 2334350 |  | 2355972 |  | 2348014 |  |
| Shareholders' equity | 1475874 |  | 1463098 |  | 1374907 |  |
| **Total Liabilities and Shareholders' Equity** | **$9809614** |  | **$9800079** |  | **$9571712** |  |
| **Net Interest Margin (FTE) (non-GAAP)**<sup>(10)</sup> |  | **3.99%** |  | **3.93%** |  | **3.77%** |

---

- more -

------

---

| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 11 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 11 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 11 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** | |
| *(dollars in thousands)* | **2025** |  | **2024** |  |
| **<u>Net Interest Margin (FTE) (non-GAAP) (YTD Averages)</u>** |  |  |  |  |
| **ASSETS** |  |  |  |  |
| Interest-bearing deposits with banks | $122385 | 4.34% | $165275 | 5.36% |
| Securities, at fair value | 999735 | 3.74% | 977896 | 3.05% |
| Loans held for sale | 230 | 6.39% | 85 | 6.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | 3516374 | 5.86% | 3334518 | 5.92% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 1507852 | 6.68% | 1584309 | 7.26% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction | 371300 | 7.04% | 378755 | 7.84% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Commercial Loans** | **5395526** | **6.17%** | **5297582** | **6.46%** |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage | 1681229 | 5.28% | 1558277 | 5.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 677909 | 6.31% | 646085 | 6.92% |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment and other consumer | 98051 | 7.86% | 106260 | 8.52% |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer construction | 41900 | 6.79% | 65402 | 6.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Consumer Loans** | **2499089** | **5.69%** | **2376024** | **5.74%** |
| Total Portfolio Loans | 7894615 | 6.02% | 7673606 | 6.24% |
| **Total Loans** | **7894845** | **6.02%** | **7673691** | **6.24%** |
| Total other earning assets | 15611 | 7.35% | 18606 | 6.82% |
| **Total Interest-earning Assets** | **9032576** | **5.74%** | **8835468** | **5.87%** |
| Noninterest-earning assets | 707961 |  | 737366 |  |
| **Total Assets** | **$9740537** |  | **$9572834** |  |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing demand | $763929 | 0.98% | $804387 | 1.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 2182107 | 2.95% | 1993053 | 3.24% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 874528 | 0.69% | 905351 | 0.69% |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | 1893648 | 4.04% | 1764661 | 4.51% |
| **Total Interest-bearing deposits** | **5714212** | **2.70%** | **5467452** | **2.92%** |
| &nbsp;&nbsp;&nbsp;&nbsp;Short-term borrowings | 111453 | 4.53% | 257524 | 5.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term borrowings | 50856 | 3.80% | 46306 | 4.24% |
| &nbsp;&nbsp;&nbsp;&nbsp;Junior subordinated debt securities | 49446 | 7.04% | 49386 | 8.05% |
| **Total Borrowings** | **211755** | **4.94%** | **353216** | **5.41%** |
| Total Other Interest-bearing Liabilities | 31660 | 4.31% | 47727 | 5.26% |
| **Total Interest-bearing Liabilities** | **5957627** | **2.79%** | **5868395** | **3.09%** |
| Noninterest-bearing liabilities | 2338588 |  | 2373569 |  |
| Shareholders' equity | 1444322 |  | 1330870 |  |
| **Total Liabilities and Shareholders' Equity** | **$9740537** |  | **$9572834** |  |
| **Net Interest Margin (FTE) (non-GAAP)**<sup>(8)</sup> |  | **3.90%** |  | **3.82%** |

---

- more -

------

---

| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 12 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 12 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 12 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **2025** | | **2025** | | **2024** | |
| | **Fourth** | | **Third** | | **Fourth** | |
| *(dollars in thousands)* | **Quarter** |  | **Quarter** |  | **Quarter** |  |
| **<u>Nonaccrual Loans</u>** |  |  |  |  |  |  |
| Commercial loans: |  | **<u>% Loans</u>** |  | **<u>% Loans</u>** |  | **<u>% Loans</u>** |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | $17373 | 0.48% | $27964 | 0.77% | $4173 | 0.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 25575 | 1.68% | 9826 | 0.67% | 12570 | 0.82% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction | 869 | 0.23% | 869 | 0.27% |  | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Nonaccrual Commercial Loans | 43817 | 0.79% | 38659 | 0.71% | 16743 | 0.32% |
| Consumer loans: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage | 8098 | 0.47% | 7005 | 0.41% | 7628 | 0.46% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 3485 | 0.49% | 3790 | 0.54% | 3336 | 0.51% |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment and other consumer | 158 | 0.17% | 164 | 0.16% | 230 | 0.22% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Nonaccrual Consumer Loans | 11741 | 0.46% | 10959 | 0.43% | 11194 | 0.45% |
| **Total Nonaccrual Loans** | **$55558** | **0.69%** | **$49618** | **0.62%** | **$27937** | **0.36%** |

---

---

| | | | |
|:---|:---|:---|:---|
| | **2025** | **2025** | **2024** |
| | **Fourth** | **Third** | **Fourth** |
| *(dollars in thousands)* | **Quarter** | **Quarter** | **Quarter** |
| **<u>Loan Charge-offs (Recoveries)</u>** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Charge-offs | $12482 | $3053 | $1964 |
| &nbsp;&nbsp;&nbsp;&nbsp;Recoveries | (1529) | (639) | (2022) |
| **Net Loan Charge-offs (Recoveries)** | **$10953** | **$2414** | **($58)** |
| **<u>Net Loan Charge-offs (Recoveries)</u>** |  |  |  |
| Commercial loans: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | $7510 | $106 | ($1359) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 3133 | 2142 | 1139 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction |  | (9) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Commercial Loan Charge-offs (Recoveries)** | **10643** | **2239** | **(220)** |
| Consumer loans: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage | 46 | 32 | 10 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (101) | 9 | 114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment and other consumer | 365 | 134 | 38 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total Consumer Loan Charge-offs** | **310** | **175** | **162** |
| **Total Net Loan Charge-offs (Recoveries)** | **$10953** | **$2414** | **($58)** |

---

- more -

------

---

| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 13 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 13 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 13 |

---

---

| | | |
|:---|:---|:---|
| | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
| *(dollars in thousands)* | **2025** | **2024** |
| **<u>Loan Charge-offs (Recoveries)</u>** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Charge-offs | $18075 | $12187 |
| &nbsp;&nbsp;&nbsp;&nbsp;Recoveries | (3577) | (3907) |
| **Net Loan Charge-offs** | **$14498** | **$8280** |
| **<u>Net Loan Charge-offs</u>** |  |  |
| Commercial loans: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | $7454 | $3547 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 5760 | 2686 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction | 110 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Commercial Loan Charge-offs | 13324 | 6233 |
| Consumer loans: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage | 104 | 45 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 87 | 1073 |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment and other consumer | 983 | 929 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Consumer Loan Charge-offs | 1174 | 2047 |
| **Total Net Loan Charge-offs** | **$14498** | **$8280** |

---

---

| | | | |
|:---|:---|:---|:---|
| | **2025** | **2025** | **2024** |
| | **Fourth** | **Third** | **Fourth** |
| *(dollars in thousands)* | **Quarter** | **Quarter** | **Quarter** |
| **<u>Asset Quality Data</u>** |  |  |  |
| Nonaccrual loans | $55558 | $49618 | $27937 |
| OREO | 57 | 8 | 8 |
| Total nonperforming assets | 55615 | 49626 | 27945 |
| Nonaccrual loans / total loans | 0.69% | 0.62% | 0.36% |
| Nonperforming assets / total loans plus OREO | 0.69% | 0.62% | 0.36% |
| Allowance for credit losses / total portfolio loans | 1.15% | 1.23% | 1.31% |
| Allowance for credit losses / nonaccrual loans | 168% | 198% | 363% |
| Net loan charge-offs | $10953 | $2414 | ($58) |
| Net loan charge-offs (annualized) / average loans | 0.54% | 0.12% | 0.00% |

---

---

| | | |
|:---|:---|:---|
| | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
| *(dollars in thousands)* | **2025** | **2024** |
| **<u>Asset Quality Data</u>** |  |  |
| Net loan charge-offs | $14498 | $8280 |
| Net loan charge-offs / average loans | 0.18% | 0.11% |

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| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 14 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 14 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 14 |

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 **Definitions and Reconciliation of GAAP to Non-GAAP Financial Measures:**

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| | | | |
|:---|:---|:---|:---|
| | **2025** | **2025** | **2024** |
| | **Fourth** | **Third** | **Fourth** |
| *(dollars in thousands, except per share data)* | **Quarter** | **Quarter** | **Quarter** |
| <sup>(1)</sup> **Tangible Book Value (non-GAAP)** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | $1463877 | $1475466 | $1380294 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of deferred tax liability | (375202) | (375359) | (375837) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity (non-GAAP) | $1088675 | $1100107 | $1004457 |
| &nbsp;&nbsp;&nbsp;&nbsp;Common shares outstanding | 37402705 | 38350500 | 38259449 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible book value (non-GAAP) | $29.11 | $28.69 | $26.25 |
| *Tangible book value is a preferred industry metric used to measure our company's value and commonly used by investors and analysts.* | *Tangible book value is a preferred industry metric used to measure our company's value and commonly used by investors and analysts.* | *Tangible book value is a preferred industry metric used to measure our company's value and commonly used by investors and analysts.* | *Tangible book value is a preferred industry metric used to measure our company's value and commonly used by investors and analysts.* |
| <sup>(2)</sup> **Return on Average Tangible Shareholders' Equity (non-GAAP)** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income (annualized) | $134760 | $138708 | $131541 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: amortization of intangibles (annualized), net of tax | 624 | 649 | 858 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income before amortization of intangibles (annualized) | $135384 | $139357 | $132399 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | $1475874 | $1463098 | $1374907 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangible assets, net of deferred tax liability | (375279) | (375446) | (375879) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity (non-GAAP) | $1100595 | $1087652 | $999028 |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average tangible shareholders' equity (non-GAAP) | 12.30% | 12.81% | 13.25% |
| *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* | *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* | *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* | *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* |
| <sup>(3)</sup> **Pre-provision Net Revenue / Average Assets (non-GAAP)** |  |  |  |
| &nbsp;&nbsp;&nbsp;Income before taxes | $42419 | $43836 | $41346 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: net loss on sale of securities |  |  | 2592 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: gain on Visa Class B-1 exchange |  |  | (186) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: Provision for credit losses | 5696 | 2792 | (2462) |
| &nbsp;&nbsp;&nbsp;Total | $48115 | $46628 | $41290 |
| &nbsp;&nbsp;&nbsp;Total (annualized) (non-GAAP) | $190891 | $184992 | $164262 |
| &nbsp;&nbsp;&nbsp;Average assets | $9809614 | $9800079 | $9571712 |
| &nbsp;&nbsp;&nbsp;Pre-provision Net Revenue / Average Assets (non-GAAP) | 1.95% | 1.89% | 1.72% |
| *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* | *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* | *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* | *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* |
| <sup>(4)</sup> **Efficiency Ratio (FTE) (non-GAAP)** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest expense | $57176 | $56376 | $55445 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income per consolidated statements of net income | $90960 | $89241 | $83258 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: taxable equivalent adjustment | 605 | 602 | 660 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (FTE) (non-GAAP) | 91565 | 89843 | 83918 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income | 14331 | 13763 | 11071 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: net loss on sale of securities |  |  | 2592 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: gain on Visa Class B-1 exchange |  |  | (186) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (FTE) (non-GAAP) plus noninterest income | $105896 | $103606 | $97395 |
| &nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio (FTE) (non-GAAP) | 53.99% | 54.41% | 56.93% |
| *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.* | *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.* | *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.* | *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.* |

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| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 15 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 15 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 15 |

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| | | |
|:---|:---|:---|
| | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
| *(dollars in thousands)* | **2025** | **2024** |
| <sup>(5)</sup> **Return on Average Tangible Shareholders' Equity (non-GAAP)** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income | $134230 | $131265 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: amortization of intangibles, net of tax | 674 | 904 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income before amortization of intangibles | $134904 | $132169 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | $1444322 | $1330870 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangible assets, net of deferred tax liability | (375508) | (376181) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity (non-GAAP) | $1068814 | $954689 |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average tangible shareholders' equity (non-GAAP) | 12.62% | 13.84% |
| *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* | *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* | *Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance.* |
| <sup>(6)</sup> **Pre-provision Net Revenue / Average Assets (non-GAAP)** |  |  |
| &nbsp;&nbsp;&nbsp;Income before taxes | $167940 | $164818 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: net losses on sale of securities | 2295 | 7938 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: gain on Visa Class B-1 exchange |  | (3492) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: Provision for credit losses | 7422 | 133 |
| &nbsp;&nbsp;&nbsp;Total (non-GAAP) | $177657 | $169397 |
| &nbsp;&nbsp;&nbsp;Average assets | $9740537 | $9572834 |
| &nbsp;&nbsp;&nbsp;Pre-provision Net Revenue / Average Assets (non-GAAP) | 1.82% | 1.77% |
| *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement, to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* | *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement, to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* | *Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses, losses (gains) on sale of securities and gain on Visa exchange. We believe this to be a preferred industry measurement, to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital.* |
| <sup>(7)</sup> **Efficiency Ratio (FTE) (non-GAAP)** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest expense | $226757 | $218938 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income per consolidated statements of net income | $350096 | $334806 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: taxable equivalent adjustment | 2415 | 2706 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (FTE) (non-GAAP) | 352511 | 337512 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income | 52023 | 49083 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: net losses on sale of securities | 2295 | 7938 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: gain on Visa Class B-1 exchange |  | (3492) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (FTE) (non-GAAP) plus noninterest income | $406829 | $391041 |
| &nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio (FTE) (non-GAAP) | 55.74% | 55.99% |
| *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.*  | *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.*  | *The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses (gains) on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.*  |
| <sup>(8)</sup> **Net Interest Margin (FTE) (non-GAAP)** |  |  |
| &nbsp;&nbsp;&nbsp;Interest income and dividend income | $516490 | $515872 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: interest expense | (166394) | (181066) |
| &nbsp;&nbsp;&nbsp;Net interest income per consolidated statements of net income | 350096 | 334806 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: taxable equivalent adjustment | 2415 | 2706 |
| &nbsp;&nbsp;&nbsp;Net interest income (FTE) (non-GAAP) | $352511 | $337512 |
| &nbsp;&nbsp;&nbsp;Average interest-earning assets | $9032576 | $8835468 |
| &nbsp;&nbsp;&nbsp;Net interest margin - (FTE) (non-GAAP) | 3.90% | 3.82% |
| *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* | *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* | *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* |

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| | |
|:---|:---|
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 16 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 16 |
| **S&T Bancorp, Inc.<br>Consolidated Selected Financial Data<br>Unaudited** | S&T Earnings Release - 16 |

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**Definitions and Reconciliation of GAAP to Non-GAAP Financial Measures:**

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| | | | |
|:---|:---|:---|:---|
| | **2025** | **2025** | **2024** |
| | **Fourth** | **Third** | **Fourth** |
| *(dollars in thousands)* | **Quarter** | **Quarter** | **Quarter** |
| <sup>(9)</sup> **Tangible Common Equity / Tangible Assets (non-GAAP)** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | $1463877 | $1475466 | $1380294 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of deferred tax liability | (375202) | (375359) | (375837) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity (non-GAAP) | $1088675 | $1100107 | $1004457 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | $9870980 | $9817483 | $9657972 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of deferred tax liability | (375202) | (375359) | (375837) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible assets (non-GAAP) | $9495778 | $9442124 | $9282135 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity to tangible assets (non-GAAP) | 11.46% | 11.65% | 10.82% |
| *Tangible common equity to tangible assets is a preferred industry measurement to evaluate capital adequacy.* | *Tangible common equity to tangible assets is a preferred industry measurement to evaluate capital adequacy.* | *Tangible common equity to tangible assets is a preferred industry measurement to evaluate capital adequacy.* | *Tangible common equity to tangible assets is a preferred industry measurement to evaluate capital adequacy.* |
| <sup>(10)</sup> **Net Interest Margin (FTE) (non-GAAP)** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest income and dividend income | $131113 | $131623 | $127879 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less: interest expense | (40153) | (42382) | (44621) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income per consolidated statements of net income | 90960 | 89241 | 83258 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Plus: taxable equivalent adjustment | 605 | 602 | 660 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (FTE) (non-GAAP) | $91565 | $89843 | $83918 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (FTE) (annualized) | $363274 | $356442 | $333848 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average interest-earning assets | $9115453 | $9100239 | $8860338 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE) (non-GAAP) | 3.99% | 3.93% | 3.77% |
| *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* | *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* | *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* | *The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income.* |

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## Exhibit 99.2

![](stbaex992earningssupplem001.jpg)

Full Year and Fourth Quarter 2025 Earnings Supplement

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![](stbaex992earningssupplem002.jpg)

Forward Looking Statements and Risk Factors This information contains or incorporates statements that we believe are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements generally relate to our financial condition, results of operations, plans, objectives, outlook for earnings, revenues, expenses, capital and liquidity levels and ratios, asset levels, asset quality, financial position and other matters regarding or affecting S&T and its future business and operations. Forward-looking statements are typically identified by words or phrases such as "will likely result," "expect," "anticipate," "estimate," "forecast," "project," "intend," "believe," "assume," "strategy," "trend," "plan," "outlook," "outcome," "continue," "remain," "potential," "opportunity," "comfortable," "current," "position," "maintain," "sustain," "seek," "achieve" and variations of such words and similar expressions, or future or conditional verbs such as "will," "would," "should," "could" or "may." Although we believe the assumptions upon which these forward-looking statements are based are reasonable, any of these assumptions could prove to be inaccurate and the forward-looking statements based on these assumptions could be incorrect. The matters discussed in these forward-looking statements are subject to various risks, uncertainties and other factors that could cause actual results and trends to differ materially from those made, projected or implied in or by the forward-looking statements depending on a variety of uncertainties or other factors including, but not limited to: credit losses and the credit risk of our commercial and consumer loan products; changes in the level of charge- offs and changes in estimates of the adequacy of the allowance for credit losses, or ACL; cybersecurity concerns; rapid technological developments and changes; operational risks or risk management failures by us or critical third parties, including fraud risk; our ability to manage our reputational risks; sensitivity to the interest rate environment, a rapid increase in interest rates or a change in the shape of the yield curve; a change in spreads on interest-earning assets and interest-bearing liabilities; regulatory supervision and oversight, including changes in regulatory capital requirements and our ability to address those requirements; unanticipated changes in our liquidity position; unanticipated changes in regulatory and governmental policies impacting interest rates and financial markets; changes in accounting policies, practices or guidance; legislation affecting the financial services industry as a whole, and S&T, in particular; developments affecting the industry and the soundness of financial institutions and further disruption to the economy and U.S. banking system; the outcome of pending and future litigation and governmental proceedings; increasing price and product/service competition; the ability to continue to introduce competitive new products and services on a timely, cost-effective basis; managing our internal growth and acquisitions; the possibility that the anticipated benefits from acquisitions cannot be fully realized in a timely manner or at all, or that integrating the acquired operations will be more difficult, disruptive or costly than anticipated; containing costs and expenses; reliance on significant customer relationships; an interruption or cessation of an important service by a third-party provider; our ability to attract and retain talented executives and other employees; general economic or business conditions, including the strength of regional economic conditions in our market area; ESG practices and disclosures, including climate change, hiring practices, the diversity of the work force and racial and social justice issues; deterioration of the housing market and reduced demand for mortgages; deterioration in the overall macroeconomic conditions or the state of the banking industry that could warrant further analysis of the carrying value of goodwill and could result in an adjustment to its carrying value resulting in a non-cash charge to net income; the stability of our core deposit base and access to contingency funding; re- emergence of turbulence in significant portions of the global financial and real estate markets that could impact our performance, both directly, by affecting our revenues and the value of our assets and liabilities, and indirectly, by affecting the economy generally and access to capital in the amounts, at the times and on the terms required to support our future businesses and geopolitical tensions and conflicts between nations. Many of these factors, as well as other factors, are described in our Annual Report on Form 10-K for the year ended December 31, 2024, including Part I, Item 1A-"Risk Factors" and any of our subsequent filings with the SEC. Forward-looking statements are based on beliefs and assumptions using information available at the time the statements are made. We caution you not to unduly rely on forward-looking statements because the assumptions, beliefs, expectations and projections about future events may, and often do, differ materially from actual results. Any forward-looking statement speaks only as to the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect developments occurring after the statement is made. Non-GAAP Financial Measures In addition to traditional measures presented in accordance with GAAP, our management uses, and this information contains or references, certain non-GAAP financial measures, such as tangible book value, return on average tangible shareholder's equity, PPNR to average assets, efficiency ratio on an FTE basis, tangible common equity to tangible assets and net interest margin on an FTE basis. We believe these non-GAAP financial measures provide information useful to investors in understanding our underlying operational performance and our business and performance trends as they facilitate comparisons with the performance of other companies in the financial services industry. Although we believe that these non-GAAP financial measures enhance investors' understanding of our business and performance, these non-GAAP financial measures should not be considered alternatives to GAAP or considered to be more important than financial results determined in accordance with GAAP, nor are they necessarily comparable with non-GAAP measures which may be presented by other companies. The non-GAAP financial measures contained within this presentation should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the respective Quarterly Reports on Form 10-Q and in Exhibit 99.1 of Form 8-K for S&T Bancorp, Inc. and subsidiaries. 2

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![](stbaex992earningssupplem003.jpg)

3 Full Year Overview RETURN METRICS EARNINGS Dollars in millions \*Non-GAAP financial measure. Refer to appendix for reconciliation of non-GAAP financial measures EPS $3.49 Net Income $134.2 million ROA 1.38% ROE 9.29% ROTE\* 12.62% PPNR\* 1.82% HIGHLIGHTS • Solid return metrics • Strong NIM (FTE)\* of 3.90% up from 3.82% in prior year • Total loan growth of $329.0 million (4.25%) • Total deposit growth of $175.7 million with $220.5 million (2.92%) of customer deposit growth • Nonperforming assets higher than prior year; remain at a manageable level NIM (FTE)\* 3.90% NCO 0.18% OTHER Efficiency Ratio (FTE)\* 55.74% BALANCE SHEET Loan growth $329.0 million 4.25% Deposit growth $175.7 million 2.26% ASSET QUALITY ACL 1.15% NPA 0.69%

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![](stbaex992earningssupplem004.jpg)

4 Fourth Quarter Overview RETURN METRICS EARNINGS Net Income $34.0 million EPS $0.89 ROA 1.37% ROE 9.13% ROTE\* 12.30% PPNR\* 1.95% ACL 1.15% NCO(1) 0.54% ASSET QUALITY NPA 0.69% NIM (FTE)\* 3.99% Efficiency Ratio (FTE)\* 53.99% BALANCE SHEET Loan growth $91.0 million 4.52% (annualized) Deposit growth $36.9 million 1.85% (annualized) OTHER Dollars in millions \*Non-GAAP financial measure. Refer to appendix for reconciliation of non-GAAP financial measures(1)QTD Annualized HIGHLIGHTS • Strong earnings and return metrics • PPNR\* increased 6 basis points to 1.95% • NIM (FTE)\* expansion of 6 basis points to 3.99% • Solid loan growth • Higher charge-offs primarily related to NPA resolutions • Capital management activities included $36.2 million of shares repurchased in 4Q and a new $100 million share repurchase authorization in January of 2026

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![](stbaex992earningssupplem005.jpg)

5 Balance Sheet • Loan growth of $91.0 million (4.52% annualized) primarily in commercial • Total deposit growth of $36.9 million (1.85% annualized) with $56.9 million (2.92% annualized) of customer deposit growth • DDA remains strong at 27% of total deposits Dollars in millions 4Q25 3Q25 Var $163 $196 $(33) 988 1,001 (13) 8,072 7,981 91 7,959 7,922 37 265 235 30 (100) (50) 0 50 100 Cash & Int Bear Bal Securities Loans Total Deposits Borrowings 4Q25 vs 3Q25: 4Q25 vs 3Q25 DEPOSIT CHANGES DECREASES/INCREASES

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![](stbaex992earningssupplem006.jpg)

6 Asset Quality ACL Trend: Dollars in millions ASSET QUALITY TRENDS • ACL decreased 8 basis point to 1.15% compared to 1.23% at September 30, 2025 • ACL decline due to lower criticized and classified loans and a $1.1 million decline in specific reserves • Net loan charge-offs of $11.0 million, or 0.54% of total loans • NPAs increased, but remain at a manageable level of 0.69% of total loans plus OREO % o f A verage Lo ans Net Loan Charge-offs/(Recoveries) 4Q24 1Q25 2Q25 3Q25 4Q25 $(4) $0 $4 $8 $12 $16 $20 (0.20)% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% % o f G ro ss Lo ans Allowance for Credit Losses (ACL) 4Q24 1Q25 2Q25 3Q25 4Q25 $0 $20 $40 $60 $80 $100 $120 0.00% 0.25% 0.50% 0.75% 1.00% 1.25% 1.50% (1)QTD Annualized (1) % o f Po rtfo lio Lo ans and O R EO Nonperforming Assets 4Q24 1Q25 2Q25 3Q25 4Q25 $0 $20 $40 $60 $80 0.00% 0.25% 0.50% 0.75% 1.00%

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7 Net Interest Income $83.3 $83.3 $86.6 $89.2 $91.0 3.77% 3.81% 3.88% 3.93% 3.99% NII NIM (FTE)\* 4Q24 1Q25 2Q25 3Q25 4Q25 Total Cost of Funds (0.11)% (0.12)% (0.03)% (0.11)% 2.20% 2.08% 2.08% 2.05% 1.94% Changes in Cost of Funds Cost of Funds 4Q24 1Q25 2Q25 3Q25 4Q25 • Net interest income growth of $1.8 million, or 1.93%, compared to 3Q25 • NIM (FTE)\* expansion of 6 basis points to 3.99% • Total cost of funds down 11 basis points to 1.94% 0.00% Dollars in millions \*Non-GAAP financial measure. Refer to appendix for reconciliation of non-GAAP financial measures

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8 Noninterest Income Dollars in millions 4Q25 4Q25 vs 3Q25 4Q25 vs 4Q24 Debit and Credit Card $4.8 $0.1 $0.1 Service Charges 4.2 — — Wealth Management 3.2 0.1 0.1 Loss on Sale of Securities — — 2.6 Other 2.1 0.3 0.4 Noninterest Income $14.3 $0.5 $3.2 • Noninterest income consistent with 3Q $13.7 $12.7

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9 4Q25 4Q25 vs 3Q25 4Q25 vs 4Q24 Salaries & Benefits $32.7 $0.5 $1.9 Data Processing 5.1 0.2 (0.2) Occupancy 3.9 (0.2) 0.1 FF&E 3.5 0.2 0.2 Other Taxes 1.9 (0.2) (0.3) Marketing 1.5 0.3 (0.1) Professional Services 1.2 — 0.1 FDIC 1.1 — — Other 6.3 (0.1) 0.1 Noninterest Expense $57.2 $0.8 $1.8 Noninterest Expense • Expenses were well-controlled driving a solid efficiency ratio\* of 54% Dollars in millions \*Non-GAAP financial measure. Refer to appendix for reconciliation of non-GAAP financial measures

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10 Capital Dollars in millions \*Non-GAAP financial measure. Refer to appendix for reconciliation of non-GAAP financial measures TCE / TA\* 10.82% 11.16% 11.34% 11.65% 11.46% 4Q24 1Q25 2Q25 3Q25 4Q25 • We have strong capital levels and are well positioned for growth • TCE / TA\* lower than prior quarter due to 948,270 shares repurchased for $36.2 million in 4Q • $100 million new share repurchase authorization in January of 2026

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2025 (Dollars in thousands) Return on Average Tangible Shareholders' Equity (ROTE) (non-GAAP) Net income $134,230 Plus: amortization of intangibles, net of tax 674 Net income before amortization of intangibles $134,904 Average total shareholders' equity $1,444,322 Less: average goodwill and other intangible assets, net of deferred tax liability (375,508) Average tangible equity (non-GAAP) $1,068,814 Return on average tangible shareholders' equity (non-GAAP) 12.62 % Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance. Pre-provision Net Revenue (PPNR)/Average Assets (non-GAAP) Income before taxes $167,940 Plus: net losses on sale of securities 2,295 Less: gain on Visa Class B-1 exchange — Plus: Provision for credit losses 7,422 Total $177,657 Average assets $9,740,537 PPNR/Average Assets (non-GAAP) 1.82 % Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses and losses on sale of securities. We believe this to be a preferred industry measurement to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital. Appendix Definitions of GAAP to Non-GAAP Financial Measures 11

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2025 (Dollars in thousands) Net Interest Margin (FTE) (non-GAAP) Interest income and dividend income $516,490 Less: interest expense (166,394) Net interest income per consolidated statements of net income 350,096 Plus: taxable equivalent adjustment 2,415 Net interest income (FTE) (non-GAAP) $352,511 Average interest-earning assets $9,032,576 Net interest margin - (FTE) (non-GAAP) 3.90 % The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income. Efficiency Ratio (FTE) (non-GAAP) Noninterest expense $226,757 Net interest income per consolidated statements of net income $350,096 Plus: taxable equivalent adjustment 2,415 Net interest income (FTE) (non-GAAP) 352,511 Noninterest income 52,023 Plus: net losses on sale of securities 2,295 Less: gain on Visa Class B-1 exchange — Net interest income (FTE) (non-GAAP) plus noninterest income $406,829 Efficiency ratio (FTE) (non-GAAP) 55.74 % The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice. Appendix Definitions of GAAP to Non-GAAP Financial Measures 12

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4Q25 (Dollars in thousands) Return on Average Tangible Shareholders' Equity (ROTE) (non-GAAP) Net income (annualized) $134,760 Plus: amortization of intangibles (annualized), net of tax 624 Net income before amortization of intangibles (annualized) $135,384 Average total shareholders' equity $1,475,874 Less: average goodwill and other intangible assets, net of deferred tax liability (375,279) Average tangible equity (non-GAAP) $1,100,595 Return on average tangible shareholders' equity (non-GAAP) 12.30 % Return on average tangible shareholders' equity is a preferred industry profitability metric used by management, as well as investors and analysts, to measure financial performance. Pre-provision Net Revenue (PPNR)/Average Assets (non-GAAP) Income before taxes $42,419 Plus: Provision for credit losses 5,696 Total $48,115 Total (annualized) (non-GAAP) $190,891 Average assets $9,809,614 PPNR/Average Assets (non-GAAP) 1.95 % Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses. We believe this to be a preferred industry measurement to help management, as well as investors and analysts, evaluate our ability to fund credit losses or build capital. Appendix Definitions of GAAP to Non-GAAP Financial Measures 13

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4Q25 3Q25 2Q25 1Q25 4Q24 (Dollars in thousands) Tangible Common Equity (TCE)/Tangible Assets (non-GAAP) Total shareholders' equity $1,463,877 $1,475,466 $1,445,493 $1,418,034 $1,380,294 Less: goodwill and other intangible assets, net of deferred tax liability (375,202) (375,359) (375,522) (375,646) (375,837) Tangible common equity (non-GAAP) $1,088,675 $1,100,107 $1,069,971 $1,042,388 $1,004,457 Total assets $9,870,980 $9,817,483 $9,810,069 $9,718,276 $9,657,972 Less: goodwill and other intangible assets, net of deferred tax liability (375,202) (375,359) (375,522) (375,646) (375,837) Tangible assets (non-GAAP) $9,495,778 $9,442,124 $9,434,547 $9,342,630 $9,282,135 Tangible common equity to tangible assets (non-GAAP) 11.46 % 11.65 % 11.34 % 11.16 % 10.82 % Tangible common equity to tangible assets is a preferred industry measurement to evaluate capital adequacy. Efficiency Ratio (FTE) (non-GAAP) Noninterest expense $57,176 $56,376 $58,114 $55,091 $55,445 Net interest income $90,960 $89,241 $86,572 $83,323 $83,258 Plus: taxable equivalent adjustment 605 602 590 617 660 Net interest income (FTE) (non-GAAP) 91,565 89,843 87,162 83,940 83,918 Noninterest income 14,331 13,763 13,500 10,429 11,071 Plus: net loss on sale of securities — — — 2,295 2,592 Less: gain on Visa Class B-1 exchange — — — — (186) Net interest income (FTE) (non-GAAP) plus noninterest income $105,896 $103,606 $100,662 $96,664 $97,395 Efficiency ratio (FTE) (non-GAAP) 53.99 % 54.41 % 57.73 % 56.99 % 56.93 % The efficiency ratio is noninterest expense divided by noninterest income plus net interest income, on an FTE basis (non-GAAP), adjusted to exclude losses on sale of securities and gain on Visa exchange. We believe the FTE basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice. Net Interest Margin (NIM) (FTE) (non-GAAP) Interest income and dividend income $131,113 $131,623 $128,906 $124,848 $127,879 Less: interest expense (40,153) (42,382) (42,334) (41,525) (44,621) Net interest income 90,960 89,241 86,572 83,323 83,258 Plus: taxable equivalent adjustment 605 602 590 617 660 Net interest income (FTE) (non-GAAP) $91,565 $89,843 $87,162 $83,940 $83,918 Net interest income (FTE) (annualized) $363,274 $356,442 $349,606 $340,423 $333,848 Average interest-earning assets $9,115,453 $9,100,239 $9,012,011 $8,899,485 $8,860,338 Net interest margin (FTE) (non-GAAP) 3.99 % 3.93 % 3.88 % 3.81 % 3.77 % The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP). The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period. We believe this to be the preferred industry measurement of net interest income that provides a relevant comparison between taxable and non-taxable sources of interest income. Appendix Definitions of GAAP to Non-GAAP Financial Measures 14

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Full Year and Fourth Quarter 2025 Earnings Supplement

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## Exhibit 99.3

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| | |
|:---|:---|
| **INVESTOR CONTACT:**<br>Mark Kochvar<br>S&T Bancorp, Inc.<br>Chief Financial Officer<br>724.465.4826<br>mark.kochvar@stbank.com  | ![a2ndqtr2016earnimagea01.jpg](a2ndqtr2016earnimagea01.jpg) |

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**FOR IMMEDIATE RELEASE**

**S&T Bancorp, Inc. Announces $100 Million Share Repurchase Program**

**INDIANA, Pa. - January 22, 2026** - S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced that the board of directors authorized a new $100 million share repurchase program at its meeting held January 21, 2026. The new program will replace the existing share repurchase program effective January 26, 2026, and is set to expire February 1, 2027. The remaining capacity under the existing share repurchase program was terminated.

The new program authorizes the share repurchase of S&T's common stock from time to time through a combination of open market and privately negotiated transactions up to the authorized $100 million aggregate value of S&T's common stock. The specific timing, price and quantity of repurchases will be at the discretion of S&T and will depend on a variety of factors, including general market conditions, the trading price of the common stock, applicable securities laws and other legal and contractual requirements, as well as S&T's financial performance. The repurchase program does not obligate S&T to repurchase any particular number of shares and may be extended, modified, or discontinued at any time.

"The board's authorization of the new share repurchase program reflects our focus on disciplined capital management given our robust capital position," said Chris McComish, chief executive officer. "The program provides flexibility to deploy capital in a manner that supports our long-term strategy and commitment to enhancing shareholder value, while maintaining a strong balance sheet."

**About S&T Bancorp, Inc. and S&T Bank**

S&T Bancorp, Inc. is a $9.8 billion bank holding company that is headquartered in Indiana, Pennsylvania and trades on the NASDAQ Global Select Market under the symbol STBA. Its principal subsidiary, S&T Bank, was established in 1902 and operates in Pennsylvania and Ohio. For more information visit stbancorp.com or stbank.com. Follow us on Facebook, Instagram and LinkedIn.