S&T Bank (FDIC #11124): Bank Stress & Real-Estate Credit Exposure
S&T Bank (FDIC Cert #11124): bank stress 48/100, moderate, STABLE over 7 days; parent S&T BCORP INC.
S&T Bank (#11124) lends in 19 counties across 2 states; S&T Bank (#11124) reaches 840 ZIP codes: Pennsylvania 17 counties, 747 ZIPs; Ohio 2 counties, 93 ZIPs.
S&T Bank (#11124) largest markets: Allegheny County, PA (1,547 branches, 119 ZIPs) (#11124), Westmoreland County, PA (890 branches, 89 ZIPs) (#11124), Washington County, PA (65 branches, 65 ZIPs) (#11124), Lancaster County, PA (183 branches, 61 ZIPs) (#11124), Indiana County, PA (424 branches, 53 ZIPs) (#11124), Clearfield County, PA (52 branches, 52 ZIPs) (#11124).
S&T Bank (#11124) reports $9.94 billion in total assets; S&T Bank (#11124) equity $1.37 billion (13.8% of S&T Bank (#11124) assets); S&T Bank (#11124) domestic deposits $8.13 billion; S&T Bank (#11124) net income $73.0 million; S&T Bank (#11124) return on assets 1.47%; S&T Bank (#11124) return on equity 10.32%; S&T Bank (#11124) net interest income $180.1 million; S&T Bank (#11124) call report June 30, 2026.
S&T Bank (#11124) noncurrent real-estate loans 0.04% of its book; S&T Bank (#11124) multifamily 0.01%; S&T Bank (#11124) residential 0.05%; S&T Bank (#11124) net charge-offs on real estate 0.36%; S&T Bank (#11124) multifamily charge-offs 0.04%; S&T Bank (#11124) residential charge-offs 0.33%.
S&T Bank (#11124) net interest margin 3.95% against an eight-quarter S&T Bank (#11124) average of 3.89% (S&T Bank (#11124) compression -0.05 points); S&T Bank (#11124) real-estate loans 4.3% of equity; S&T Bank (#11124) non-residential real estate 33.0% of equity; S&T Bank (#11124) rate-exposure score 40/100, S&T Bank (#11124) fixed-rate trap 40/100; S&T Bank (#11124) risk type credit driven; S&T Bank (#11124) rate regime rates elevated, S&T Bank (#11124) snapshot October 19, 2026.
S&T Bank (#11124) stress score moved from 45 on June 22, 2026 to 47.6 on October 19, 2026; S&T Bank (#11124) ranged 45 to 47.6 over 116 snapshots.
S&T Bank (#11124) alerts: 19 counties; top S&T Bank (#11124) alert scores: Lancaster County, PA 35 (low); Philadelphia County, PA 34 (low); Altoona County, PA 19 (low); Canonsburg County, PA 19 (low); Cranberry Township County, PA 19 (low).