S&T Bancorp, Inc. (STBA): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich S&T Bancorp, Inc. (STBA) zu einem strategischen Kraftpaket, das traditionelle, gemeinschaftsorientierte Finanzdienstleistungen nahtlos mit modernster digitaler Innovation verbindet. Durch die sorgfältige Erstellung eines umfassenden Business Model Canvas, das personalisierte Banklösungen, eine robuste technologische Infrastruktur und tiefe regionale Beziehungen umfasst, hat sich die Bank als vielseitiger Finanzpartner für Unternehmen und Privatpersonen in ganz Pennsylvania positioniert. Dieses komplexe Modell steigert nicht nur ihren Wettbewerbsvorteil, sondern zeigt auch, wie moderne Finanzinstitute die komplexe Schnittstelle zwischen lokalem Relationship Banking und technologischem Wandel erfolgreich meistern können.

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Wichtige Partnerschaften

Regionale Wirtschaftsverbände und Handelskammern

S&T Bancorp unterhält Partnerschaften mit folgenden Organisationen:

Organisation	Standort	Partnerschaftsfokus
Wirtschafts- und Industriekammer von Pennsylvania	Pennsylvania	Business-Networking und wirtschaftliche Entwicklung
Handelskammer von Indiana County	Indiana County, PA	Unterstützung lokaler Unternehmen

Lokale Gemeinschaftsbanken und Finanzdienstleister

Zu den wichtigsten Partnerschaften im Finanzdienstleistungsbereich gehören:

• Gemeinschaftsbank von Pennsylvania
• Erste Nationalbank von Pennsylvania
• Nordwestsparkasse

Technologieanbieter für digitale Banking-Lösungen

S&T Bancorp arbeitet mit Technologiepartnern zusammen:

Anbieter	Technologielösung	Umsetzungsjahr
Fiserv	Kernbankensoftware	2022
Jack Henry & Mitarbeiter	Digitale Banking-Plattform	2023

Netzwerkpartner für Hypotheken und Kredite

Zu den Kreditpartnerschaften gehören:

• Verband der Hypothekenbanken
• Kreditnetzwerk der Small Business Administration (SBA).
• Regionale Kreditgenossenschaften für Kreditbeteiligungen

Mitarbeiter im Bereich Versicherungs- und Investmentdienstleistungen

Investment- und Versicherungspartnerschaften:

Partner	Servicetyp	Dauer der Partnerschaft
Bundesweite Versicherung	Vertrieb von Versicherungsprodukten	Laufend seit 2019
LPL Finanzen	Anlageberatungsdienstleistungen	Laufend seit 2020

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete S&T Bancorp ein Gesamtvermögen von 13,1 Milliarden US-Dollar und Gesamteinlagen von 10,3 Milliarden US-Dollar. Die Bank betreibt 88 Full-Service-Filialen in Pennsylvania, Ohio und New York.

Kategorie Bankdienstleistungen	Gesamtwert des Portfolios
Gewerbliche Kredite	6,4 Milliarden US-Dollar
Privatkredite	4,2 Milliarden US-Dollar
Hypothekendarlehen	2,5 Milliarden US-Dollar

Kreditvergabe und Portfoliomanagement

Im Jahr 2023 verarbeitete S&T Bancorp:

• 1.247 gewerbliche Kreditanträge
• 3.682 Privatkreditvergaben
• 672 Hypothekendarlehenstransaktionen

Kennzahlen zur Kreditleistung	Daten für 2023
Nettokreditausbuchungssatz	0.32%
Quote notleidender Kredite	0.78%

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banking-Plattformen beliefen sich im Jahr 2023 auf insgesamt 8,2 Millionen US-Dollar, wobei 76 % der Kunden Online-Banking-Dienste aktiv nutzten.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	62%
Online-Rechnungszahlung	54%
Mobile Scheckeinzahlung	48%

Finanzielle Beratungsdienste für Kunden

S&T Bancorp beschäftigte im Jahr 2023 127 Finanzberater und verwaltete 2,3 Milliarden US-Dollar an Vermögensverwaltungsvermögen.

Risikomanagement und Compliance-Überwachung

Budget der Compliance-Abteilung im Jahr 2023: 4,5 Millionen US-Dollar, mit 42 engagierten Compliance-Experten.

Compliance-Metrik	Leistung 2023
Ergebnisse der Regulierungsprüfung	3 kleinere Beobachtungen
Compliance-Schulungszeiten	4.876 Gesamtstunden

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Pennsylvania

Im vierten Quartal 2023 betreibt S&T Bancorp 88 Finanzdienstleistungsstandorte in ganz Pennsylvania. Die Bank ist in 20 Landkreisen des Bundesstaates konzentriert vertreten.

Netzwerkmetrik	Menge
Gesamtzahl der Filialstandorte	88
Landkreise bedient	20
Gesamtes Geldautomatennetzwerk	126

Erfahrenes Finanzmanagement-Team

Das Führungsteam von S&T Bancorp verfügt über eine durchschnittliche Bankerfahrung von 22 Jahren. Zum Führungsteam gehören:

• Todd Brice – Präsident & CEO
• Mark Kochvar – Finanzvorstand
• David Antolik – Chief Banking Officer

Fortschrittliche digitale Banking-Infrastruktur

Zu den digitalen Banking-Plattformen gehören mobile und Online-Banking-Dienste 1,2 Milliarden US-Dollar im digitalen Transaktionsvolumen für 2023.

Digital-Banking-Metrik	Wert
Digitales Transaktionsvolumen	1,2 Milliarden US-Dollar
Aktive Mobile-Banking-Benutzer	78,500

Umfangreiche Kundendatenbank

S&T Bancorp unterhält einen Kundenstamm von 160.000 Privat- und Geschäftsbankkunden Stand: Dezember 2023.

Robustes Finanzkapital und Reserven

Finanzielle Ausstattung ab Q4 2023:

Finanzkennzahl	Betrag
Gesamtvermögen	13,4 Milliarden US-Dollar
Gesamteinlagen	10,2 Milliarden US-Dollar
Kernkapitalquote	12.8%

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Im vierten Quartal 2023 meldete S&T Bancorp ein Gesamtvermögen von 13,4 Milliarden US-Dollar und eine Gesamtkreditsumme von 10,2 Milliarden US-Dollar. Die Bank bietet spezialisierte Banklösungen in mehreren Segmenten an:

Kundensegment	Produktpalette	Marktdurchdringung
Kleine Unternehmen	Geschäftsprüfung, SBA-Darlehen	37 % regionaler Marktanteil
Persönliches Banking	Schecks, Ersparnisse, Privatkredite	42 % lokale Marktabdeckung
Gewerbliche Kunden	Firmenkundengeschäft, Treasury-Dienstleistungen	28 % Geschäftsbanksegment

Wettbewerbsfähige Zinssätze und Finanzprodukte

Aktuelle Zinsangebote ab Januar 2024:

• Geschäftskreditzinsen: 6,75 % – 9,25 %
• Privatkreditzinsen: 5,99 % – 12,50 %
• Hypothekenzinsen: 6,50 % – 7,25 %
• CD-Preise: 3,75 % – 5,25 %

Lokaler, beziehungsorientierter Kundenservice

S&T Bancorp behauptet 87 Filialen in Pennsylvania, Ohio und New York und bedient ca 168.000 Kundenkonten.

Integrierte digitale und traditionelle Bankerfahrungen

Kennzahlen zum digitalen Banking	Statistik 2023
Mobile-Banking-Benutzer	62.500 aktive Benutzer
Online-Transaktionsvolumen	3,2 Millionen monatliche Transaktionen
Akzeptanzrate des digitalen Bankings	73 % des Kundenstamms

Maßgeschneiderte Finanzberatung und Vermögensverwaltung

Leistung des Vermögensverwaltungssegments im Jahr 2023:

• Verwaltetes Vermögen: 2,3 Milliarden US-Dollar
• Durchschnittliche Größe des Kundenportfolios: 875.000 USD
• Finanzberater: 42 zertifizierte Fachleute
• Einnahmen aus der Vermögensverwaltung: 47,6 Millionen US-Dollar

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Kundenbeziehungen

Persönliches Beziehungsmanagement

S&T Bancorp unterhält ab 2023 63 Community-Banking-Filialen in Pennsylvania und Ohio. Die Bank beschäftigt 1.042 Vollzeit-Relationship-Banking-Experten, die sich um personalisierte Kundeninteraktionen kümmern.

Kundeninteraktionskanal	Jährliches Engagementvolumen
Persönliche Filialinteraktionen	374,286
Telefon-Banking-Kontakte	214,592
Touchpoints im digitalen Banking	1,247,903

Online- und Mobile-Banking-Unterstützung

S&T Bancorp bietet digitale Bankdienstleistungen mit den folgenden Kennzahlen an:

• Mobile-Banking-Nutzer: 87.456
• Online-Banking-Konten: 124.783
• Digitales Transaktionsvolumen: 3,2 Millionen jährlich

Community-orientiertes Kundenengagement

S&T Bancorp investierte im Jahr 2023 1,2 Millionen US-Dollar in Community-Engagement-Programme und unterstützte 87 lokale Community-Events und -Initiativen.

Dedizierte Kundenbetreuer für Geschäftskunden

Die Bank beschäftigt 142 engagierte Geschäftsbeziehungsmanager, die Geschäfts- und Firmenkunden mit einem durchschnittlichen Portfoliowert von 42,6 Millionen US-Dollar pro Manager betreuen.

Geschäftssegment	Beziehungsmanager	Durchschnittliche Portfoliogröße
Kommerzielles Banking	98	35,4 Millionen US-Dollar
Firmenkundengeschäft	44	62,1 Millionen US-Dollar

Regelmäßige Finanzbildungs- und Beratungsdienste

S&T Bancorp führte im Jahr 2023 246 Workshops zur Finanzbildung durch und erreichte damit 6.734 Personen in seinen Serviceregionen.

• Kostenlose Finanzseminare: 187
• Beratungssitzungen für Kleinunternehmen: 59
• Gesamtzahl der Teilnehmer: 6.734

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Kanäle

Physisches Filialnetz

S&T Bancorp betreibt zum 31. Dezember 2023 88 Community-Banking-Filialen mit umfassendem Service in Pennsylvania, Ohio und New York.

Staat	Anzahl der Filialen
Pennsylvania	75
Ohio	8
New York	5

Online-Banking-Plattform

S&T Bancorp bietet webbasierte Bankdienstleistungen über ein sicheres Online-Portal an Kontozugriff rund um die Uhr.

• Die digitale Plattform bietet Echtzeit-Transaktionsüberwachung
• Unterstützt Rechnungszahlungsdienste
• Ermöglicht elektronische Kontoauszüge
• Bietet Möglichkeiten für den Geldtransfer

Mobile-Banking-Anwendung

Mobile App verfügbar für iOS- und Android-Plattformen mit 45.000 aktiven Mobile-Banking-Nutzern im vierten Quartal 2023.

Mobile App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Kartenkontrollen	Ja
Biometrische Anmeldung	Ja

ATM-Netzwerk

S&T Bancorp bietet Zugang zu 120 eigenen Geldautomaten und ist Teil eines landesweiten Netzwerks von über 30.000 gebührenfreien Geldautomaten.

Telefon-Banking-Dienste

24-Stunden-Automatisches Telefon-Banking-System mit einer durchschnittlichen Reaktionszeit von 45 Sekunden.

• Abfragen des Kontostandes
• Transaktionsverlauf
• Zahlungsaufforderungen stoppen
• Kundensupport während längerer Öffnungszeiten

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut S&T Bancorp etwa 4.500 kleine und mittlere Unternehmen in Pennsylvania und Ohio. Gesamtes kommerzielles Kreditportfolio für KMU: 1,2 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
KMU im verarbeitenden Gewerbe	1,250	$750,000
Professionelle Dienstleistungen	1,100	$450,000
Einzelhandel/Großhandel	850	$350,000

Privatkunden im Privatkundengeschäft

Gesamtkundenzahl im Privatkundengeschäft: 185.000. Demografische Aufteilung:

• Alter 18–35: 42.000 Kunden
• Alter 36-55: 68.000 Kunden
• Alter 56+: 75.000 Kunden

Lokale Handelsunternehmen

Das Geschäftsbanksegment betreut 2.300 lokale Unternehmen. Gesamtvermögen der Geschäftsbanken: 2,5 Milliarden US-Dollar.

Unternehmenstyp	Kundenanzahl	Gesamtwert der Bankbeziehung
Bau	450	425 Millionen Dollar
Gesundheitswesen	350	375 Millionen Dollar
Technologie	250	285 Millionen Dollar

Wealth-Management-Kunden

Segment Vermögensverwaltung: 12.500 Kunden. Gesamtes verwaltetes Vermögen: 1,8 Milliarden US-Dollar.

Kundenvermögensstufe	Anzahl der Kunden	Durchschnittlicher Portfoliowert
Hohes Nettovermögen (1 Mio. USD bis 5 Mio. USD)	6,200	2,4 Millionen US-Dollar
Ultra High Net Worth (>5 Mio. USD)	1,850	8,5 Millionen US-Dollar

Regionale Community-Banking-Kunden

Community-Banking-Abdeckung: 47 Filialen in Pennsylvania und Ohio. Gesamter regionaler Kundenstamm: 215.000.

• Kunden in Pennsylvania: 165.000
• Ohio-Kunden: 50.000

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Zum Finanzbericht 2022 unterhielt S&T Bancorp 88 Community-Banking-Büros mit umfassendem Service in Pennsylvania, Ohio und New York. Die Gesamtbetriebskosten der Filiale beliefen sich im Jahr 2022 auf 57,3 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten
Belegungskosten	18,2 Millionen US-Dollar
Dienstprogramme und Wartung	6,7 Millionen US-Dollar
Branchenausrüstung	4,5 Millionen US-Dollar

Wartung der Technologieinfrastruktur

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 22,1 Millionen US-Dollar.

• Wartung der IT-Systeme: 12,3 Millionen US-Dollar
• Investitionen in Cybersicherheit: 5,6 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 4,2 Millionen US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Die gesamten mitarbeiterbezogenen Ausgaben beliefen sich im Jahr 2022 auf 153,4 Millionen US-Dollar.

Vergütungskomponente	Jährliche Kosten
Grundgehälter	98,6 Millionen US-Dollar
Gesundheits- und Altersvorsorgeleistungen	37,2 Millionen US-Dollar
Leistungsprämien	17,6 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben für 2022 beliefen sich auf 16,8 Millionen US-Dollar.

• Regulatorische Berichterstattung: 6,3 Millionen US-Dollar
• Gehälter für Compliance-Mitarbeiter: 5,9 Millionen US-Dollar
• Externe Prüfung und Beratung: 4,6 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 8,7 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	3,4 Millionen US-Dollar
Traditionelle Medienwerbung	2,9 Millionen US-Dollar
Sponsoring von Gemeinschaftsveranstaltungen	1,4 Millionen US-Dollar

S&T Bancorp, Inc. (STBA) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete S&T Bancorp einen Nettozinsertrag von 375,2 Millionen US-Dollar. Die Aufteilung der zinsgenerierenden Vermögenswerte umfasst:

Asset-Kategorie	Gesamtwert	Zinsertrag
Gewerbliche Kredite	4,2 Milliarden US-Dollar	5.75%
Hypothekendarlehen für Wohnimmobilien	1,8 Milliarden US-Dollar	4.25%
Anlagewertpapiere	1,1 Milliarden US-Dollar	3.50%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 87,6 Millionen US-Dollar, mit den folgenden Gebührenkategorien:

• Kontoführungsgebühren: 24,3 Millionen US-Dollar
• Transaktionsbearbeitungsgebühren: 36,5 Millionen US-Dollar
• Gebühren für Überziehungskredite und nicht ausreichende Mittel: 14,2 Millionen US-Dollar
• Gebühren für andere Bankdienstleistungen: 12,6 Millionen US-Dollar

Provisionen für die Vergabe von Hypotheken

Die Hypothekenvergabeprovisionen für 2023 erreichten 42,1 Millionen US-Dollar, mit:

• Vergabe von Wohnhypotheken: 38,7 Millionen US-Dollar
• Provisionen für gewerbliche Hypotheken: 3,4 Millionen US-Dollar

Gebühren für die Vermögensverwaltung

Die Einnahmen aus der Vermögensverwaltung beliefen sich im Jahr 2023 auf 53,4 Millionen US-Dollar und setzten sich zusammen aus:

Servicekategorie	Einnahmen
Vermögensverwaltungsgebühren	31,2 Millionen US-Dollar
Finanzberatungsdienste	14,6 Millionen US-Dollar
Vertrauensdienste	7,6 Millionen US-Dollar

Einnahmen aus digitalen Banktransaktionen

Die Einnahmen aus digitalen Banktransaktionen beliefen sich im Jahr 2023 auf insgesamt 22,7 Millionen US-Dollar, mit:

• Gebühren für Online-Banking-Transaktionen: 12,5 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 8,2 Millionen US-Dollar
• Digitale Zahlungsabwicklung: 2 Millionen US-Dollar

S&T Bancorp, Inc. (STBA) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose S&T Bancorp, Inc. over the competition in the Pennsylvania and Ohio markets. It's about more than just transactions; it's about a specific, relationship-focused service model backed by solid balance sheet management.

The bank's primary value proposition is its People-Forward Banking® philosophy. This is a relationship-driven, community-minded approach that emphasizes local decision-making and personal connection, which is a key differentiator against larger, more centralized institutions. S&T Bancorp, Inc. is a $9.8 billion bank holding company as of June 30, 2025, operating through S&T Bank in Pennsylvania and Ohio.

A core strength is the diversified lending across commercial and consumer segments. This diversification helps manage risk exposure across the loan book. For instance, between March 31, 2025, and June 30, 2025, total portfolio loans grew by $98.1 million, or 5.02% annualized. The commercial loan portfolio saw a $67.3 million increase in that period, driven by commercial real estate ($58.0 million growth) and commercial construction ($17.7 million growth).

The bank consistently demonstrates strong asset quality, a critical factor for stability. As of the second quarter of 2025, nonperforming assets were at 0.27% of total loans plus OREO. While this metric shifted to 0.62% by September 30, 2025, with nonperforming assets at $49.6 million, the overall trend reflects disciplined credit management, even with growth. Net charge-offs in Q2 2025 were low at 0.06% of average loans.

S&T Bancorp, Inc. provides comprehensive financial services, meaning clients can consolidate their needs. This includes core banking, trust services, and brokerage capabilities all under one umbrella. This integration supports the relationship banking model by offering a wider suite of solutions to established customers.

Management signals confidence in the firm's financial health and commitment to shareholders through its dividend policy. S&T Bancorp, Inc. is a consistent dividend payer, recently increasing its quarterly cash dividend to $0.36 per share on October 29, 2025. This was a 5.88% increase from the prior $0.34 per share. This implies an annualized dividend of approximately $1.44 per share.

Here's a quick look at the operational performance supporting these value propositions, comparing the second and third quarters of 2025:

Metric	Q2 2025 (As of 6/30/2025)	Q3 2025 (As of 9/30/2025)
Net Income	$31.9 million	$35.0 million
Diluted Earnings Per Share	$0.83	$0.91
Return on Average Assets (ROA)	1.32%	Not explicitly stated for Q3
Return on Average Equity (ROE)	8.91%	Not explicitly stated for Q3
Net Interest Margin (NIM) (FTE)	3.88%	3.93%
Total Portfolio Loans Growth (Annualized)	5.02% (vs Q1 2025)	2.33% (vs Q2 2025)

The bank's ability to grow its loan portfolio while expanding its net interest margin demonstrates effective asset management. The growth in total deposits also shows continued customer trust, increasing by $28.0 million, or 1.42% annualized, from March 31, 2025, to June 30, 2025.

The value proposition is further reinforced by the bank's focus on key operational areas:

• Maintaining a solid regulatory capital position.
• Expanding the deposit franchise in its operating footprint.
• Achieving net interest margin expansion to 3.93% in Q3 2025.
• Reporting Q3 2025 revenue of $103 million, meeting expectations.
• Projected full-year 2025 sales around $411.1 million.

To be fair, the market is watching the trend of nonperforming assets, which rose to 0.62% in Q3 2025, though management expressed confidence in their strategy. Still, the consistent dividend increases and strong return metrics like the Q2 2025 ROE of 8.91% provide tangible value to the shareholder base.

Finance: draft 13-week cash view by Friday.

S&T Bancorp, Inc. (STBA) - Canvas Business Model: Customer Relationships

You're looking at how S&T Bancorp, Inc. keeps its customers engaged, which is clearly centered on a high-touch approach, even as digital tools become more common. The firm explicitly ties its strong performance, like the 1.42% Return on Average Assets (ROA) reported for the third quarter of 2025, to its commitment to its people-forward banking purpose. That purpose is the core of the relationship strategy.

Dedicated relationship managers are key for the commercial and business banking segments. To support this, S&T Bancorp, Inc. was actively growing its relationship team; as of May 2025, the company reported having 15% more bankers on staff compared to the previous year, signaling a direct investment in personalized service capacity to gain market share.

The high-touch, personal service model, branded as People-Forward Banking®, is the differentiator. This focus appears to be driving results, evidenced by the 7.23% annualized growth in customer deposits seen in the first quarter of 2025, which was the seventh consecutive quarter of such growth. This suggests the personal service is effectively attracting and retaining core funding.

For digital self-service, S&T Bancorp, Inc. supports its relationship model with necessary digital infrastructure. While specific platform adoption rates for S&T Bank aren't public, the general trend in late 2025 shows that 76% of US adults use mobile banking apps, and it is projected that 80% of all bank transactions will occur on digital platforms in 2025. This indicates the expectation that customers will use digital channels for routine tasks.

Proactive banker-led conversations are integrated into credit risk management, especially for smaller commercial clients. The internal process dictates that business banking relationships valued at less than $1.5 million are actively monitored using portfolio management software designed to flag credit risk indicators. This system allows bankers to initiate conversations based on data signals rather than waiting for performance to decline significantly.

Here's a snapshot of metrics related to customer base and service investment:

Metric Category	Specific Data Point	Value/Amount	Reporting Period/Date
Relationship Investment	Increase in Bankers Year-over-Year	15%	As of May 2025
Customer Funding Growth	Annualized Customer Deposit Growth	7.23%	Q1 2025
Credit Risk Monitoring Threshold	Loan Size Monitored by Software	Less than $1.5 million	As per Form 10-K
Overall Performance Metric	Return on Average Assets (ROA)	1.42%	Q3 2025

The commitment to the personal model is reinforced by the structure of their credit oversight, which blends technology with human intervention:

• Dedicated relationship managers for commercial and business banking.
• Proactive monitoring for commercial loans under $1.5 million.
• Credit Risk Review independently monitors commercial credit administration.
• Focus on banker-led conversations based on software-identified risk indicators.

To be fair, the bank still needs to ensure its digital channels meet the rising expectations of its customer base, even while prioritizing face-to-face interaction for complex needs. Finance: draft 13-week cash view by Friday.

S&T Bancorp, Inc. (STBA) - Canvas Business Model: Channels

You're mapping out the distribution strategy for S&T Bancorp, Inc. (STBA) as of late 2025. The channels S&T Bank uses to reach its customers are a mix of traditional physical presence and modern digital tools, all supporting a total asset base of $9.8 billion as of September 30, 2025.

Physical branch network in core markets (Pennsylvania and Ohio).

S&T Bank maintains a physical footprint across its core markets, which include Western Pennsylvania, Eastern Pennsylvania, Central Ohio, and Northeast Ohio. While the exact count of physical locations isn't explicitly detailed in the latest reports, this network serves as the primary touchpoint for many of its retail and commercial clients. The bank's operations are supported by a team of 1,206 total employees as of late 2025, many of whom are client-facing within these physical locations.

S&T Bank Mobile App for 24/7 digital access.

Digital access is a key component, offering customers 24/7 service. The S&T Bank Mobile App supports the bank's full suite of retail and commercial banking products. This channel supports the deposit base, which saw total deposits increase by $1.0 million (or 0.05% annualized) compared to June 30, 2025, in the third quarter of 2025.

Online banking and treasury management services.

The online banking platform supports both individual and business customers. For commercial clients, S&T Bancorp delivers treasury management services, which contribute to the bank's revenue streams. For example, the bank reported total revenue of $103 million for the third quarter of 2025. The stability of the funding base is evident in the Demand Deposit Accounts (DDA), which increased by $6.4 million in Q3 2025 and represent 28% of total deposits.

The following table shows key financial metrics from the period when these channels were actively serving customers:

Metric	Value (Q3 2025)	Context
Net Income	$35.0 million	For the quarter ending September 2025
Net Interest Income	$89.2 million	Increased 3.00% from Q2 2025
Average Interest-Earning Assets	$9.1 billion	In the third quarter of 2025
Net Interest Margin (FTE)	3.93%	Expanded 5 basis points from the prior quarter
Total Assets	$9.8 billion	As of September 30, 2025

ATM network access (Cirrus, NYCE, Visa symbols).

S&T Bank provides access to its services through a network of ATMs, supporting the use of major symbols like Cirrus, NYCE, and Visa. This physical access point complements the digital offerings for cash access and basic transactions.

Investor Relations website for shareholder communication.

Shareholder communication is centralized through the Investor Relations section of the corporate website, www.stbancorp.com. This channel provides official updates, such as the Q3 2025 earnings release. Key figures shared via this channel for the trailing twelve months ending September 30, 2025, include:

• Trailing 12-Month Revenue: $391,157 thousand.
• Trailing 12-Month Net Income: $133,328 thousand.
• Common Stock Shares Outstanding: 38,330,330 as of April 30, 2025.

S&T Bancorp, Inc. (STBA) - Canvas Business Model: Customer Segments

You're looking at the core groups S&T Bancorp, Inc. serves, based on their balance sheet activity as of the third quarter of 2025, ending September 30, 2025.

The total asset base for S&T Bancorp, Inc. stood at $9.8 billion at the end of the third quarter of 2025. Total portfolio loans grew by $46.6 million, representing a 2.33% annualized increase from the prior quarter.

The lending focus clearly shifted within the commercial space, with significant growth in one area offsetting contraction in another. The consumer portfolio also saw healthy expansion.

Loan Segment Category	Balance Change Since June 30, 2025	Annualized Growth Rate Context
Commercial Real Estate (CRE)	Increased by $133.5 million	Implied high growth area
Commercial and Industrial (C&I)	Decreased by $46.0 million	Contraction in this specific area
Commercial Construction	Decreased by $77.6 million	Loans converting to permanent status
Consumer Loans (Total)	Increased by $36.6 million	Approximately 6% annualized growth
Residential Mortgage (Consumer)	Increased by $21.6 million	Component of consumer growth
Home Equity (Consumer)	Increased by $17.7 million	Component of consumer growth

Commercial Real Estate (CRE) investors and owner-occupied properties are a key segment, evidenced by the $133.5 million growth in CRE balances during the quarter, even as commercial construction balances fell by $77.6 million as those loans converted to permanent status.

Commercial and Industrial (C&I) operating companies and manufacturers represent a segment that saw a reduction in outstanding balances, with C&I loans decreasing by $46.0 million compared to June 30, 2025.

For Consumer Real Estate (mortgage and home equity), the segment added $36.6 million to the loan portfolio, driven by $21.6 million in residential mortgage growth and $17.7 million in home equity growth.

General consumers for retail banking and deposit accounts anchor the funding side of the business. Total deposits were essentially flat, increasing by only $1.0 million (or 0.05% annualized) from the end of the second quarter of 2025. The composition of these deposits shows a reliance on core, low-cost funding.

• Noninterest-bearing deposits comprised 28% of total deposits as of Q3 2025.
• Noninterest-bearing demand deposits increased by $6.4 million.
• Interest-bearing demand deposits increased by $7.7 million.
• Certificates of Deposits (CDs) grew by $39.8 million.
• Money market accounts saw a decrease of $41.6 million.
• Savings accounts decreased by $11.2 million.

Small businesses (Business Banking segment) are served through the commercial lending and deposit gathering activities. The growth in noninterest-bearing demand deposits, which increased by $6.4 million, and the reported average DDA growth exceeding $50 million in the quarter, points to activity within the business client base.

S&T Bancorp, Inc. (STBA) - Canvas Business Model: Cost Structure

The Cost Structure for S&T Bancorp, Inc. is heavily influenced by interest-bearing liabilities and personnel costs, typical for a bank holding company. You see the direct impact of interest rate movements on the cost of funds, alongside the fixed and variable components of operating expenses.

Interest expense on deposits and borrowings represents the primary cost of funding the bank's asset base. For the third quarter of 2025, the Total Interest Expense was reported as $42,382 thousand. This total is comprised of costs associated with both customer funds and wholesale funding sources.

The breakdown of this interest expense for the third quarter of 2025 (in thousands) shows:

Cost Component	Q3 2025 Amount (in thousands)
Deposits	$39,864
Borrowings, junior subordinated debt securities and other	$2,518
Total Interest Expense	$42,382

Salaries and employee benefits is a major noninterest expense component. S&T Bancorp, Inc. managed this cost effectively in the third quarter of 2025, reporting a decrease of $0.7 million compared to the second quarter of 2025, primarily attributed to lower incentive and medical costs. For context, in the second quarter of 2025, this line item had increased by $3.1 million from the first quarter of 2025 due to annual merit increases, higher incentives, and medical costs.

The overall Noninterest expense totaled $56.4 million in Q3 2025, a sequential decrease of $1.7 million from the $58.1 million reported in Q2 2025. This reduction reflects the disciplined expense management mentioned, including lower salaries and benefits, and a decrease in professional services and legal costs by $0.5 million due to lower consulting fees.

Specific noninterest expense categories, based on Q2 2025 figures (in thousands), give you a clearer picture of the operational spend:

• Data processing and information technology costs were $4,847 thousand (or $4.847 million) in Q2 2025.
• Occupancy costs for the branch network were $4,024 thousand (or $4.024 million) in Q2 2025.
• Furniture, equipment and software costs were $3,352 thousand (or $3.352 million) in Q2 2025.

You can see the components of the noninterest expense for the second quarter of 2025 below:

Noninterest Expense Component (in thousands)	Q2 2025 Amount	Q1 2025 Amount
Salaries and employee benefits	(Data not explicitly isolated for Q2 2025, but increased $3.1M from Q1 2025)	(Data not explicitly isolated for Q1 2025)
Data processing and information technology	$4,847	$4,930
Occupancy	$4,024	$4,302
Furniture, equipment and software	$3,352	$3,483

The efficiency ratio improved to 54.41% in Q3 2025, showing that the cost control measures are helping to improve operational leverage relative to revenue generation.

S&T Bancorp, Inc. (STBA) - Canvas Business Model: Revenue Streams

You're looking at how S&T Bancorp, Inc. (STBA) brings in the money, which for a bank like this, really boils down to interest earned versus fees collected. Honestly, the core driver is always the Net Interest Income (NII).

The full-year 2025 projection for total sales, which gives us a big-picture view, is set at $411.1 million.

Net Interest Income (NII) from loans and securities is the main event. You can see the steady growth through the first three quarters of 2025:

Period End Date	Net Interest Income (NII)	Quarter-over-Quarter Change
March 31, 2025 (Q1)	$83.3 million	N/A
June 30, 2025 (Q2)	$86.6 million	+3.90%
September 30, 2025 (Q3)	$89.2 million	+3.00%

The Net Interest Margin (NIM) on a fully taxable equivalent basis (FTE) also expanded to 3.93% in the third quarter of 2025, up 5 basis points from the second quarter of 2025's 3.88%.

Noninterest income provides the necessary diversification, though it's a smaller piece of the revenue pie. Total noninterest income for Q3 2025 was $13.8 million, up slightly from $13.5 million in Q2 2025.

Here's how the fee-based income streams contribute to that noninterest total:

• Noninterest income from service charges on deposit accounts showed seasonal slowness in Q1 2025, but management noted modest increases in Q3 2025.
• Fees from debit and credit card transactions were also noted as seasonally slower in Q1 2025, but were part of the modest increases seen in Q3 2025 noninterest income.
• Wealth management, trust, and brokerage service fees contributed to the Q3 2025 noninterest income, showing modest revenue increases.

To put the revenue components in context against the full year projection, here's a look at the reported quarterly revenue figures versus the full-year expectation:

Metric	Q3 2025 Actual	Q2 2025 Actual	Full-Year 2025 Projection
Total Revenue (Reported)	$103 million	Not explicitly stated as total revenue, but NII + Noninterest Income is ~$103.0 million	$411.1 million
Net Interest Income (NII)	$89.2 million	$86.6 million	N/A
Noninterest Income	$13.8 million	$13.5 million	N/A

The Q3 2025 revenue of $103 million met Wall Street's expectations exactly, so the business is tracking right where the market expected it to be on a quarterly basis as we approach year-end.

Finance: draft 13-week cash view by Friday.