S&T Bancorp, Inc. (STBA): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, S&T Bancorp, Inc. (STBA) surge como una potencia estratégica, combinando perfectamente los servicios financieros tradicionales centrados en la comunidad con innovación digital de vanguardia. Al crear meticulosamente un lienzo de modelo comercial integral que abarca soluciones bancarias personalizadas, una infraestructura tecnológica robusta y relaciones regionales profundas, el banco se ha posicionado como un socio financiero versátil para empresas e individuos de Pensilvania. Este intrincado modelo no solo impulsa su ventaja competitiva, sino que también ilumina cómo las instituciones financieras modernas pueden navegar con éxito la compleja intersección de la banca de relaciones locales y la transformación tecnológica.

S&T Bancorp, Inc. (STBA) - Modelo de negocios: asociaciones clave

Asociaciones comerciales regionales y cámaras de comercio

S&T Bancorp mantiene asociaciones con las siguientes organizaciones:

Organización	Ubicación	Enfoque de asociación
Cámara de Negocios e Industria de Pensilvania	Pensilvania	Redes comerciales y desarrollo económico
Cámara de Comercio del Condado de Indiana	Condado de Indiana, PA	Apoyo comercial local

Bancos comunitarios locales y proveedores de servicios financieros

Las asociaciones clave del servicio financiero incluyen:

• Banco Comunitario de Pensilvania
• Primer Banco Nacional de Pensilvania
• Banco de ahorros del noroeste

Proveedores de tecnología para soluciones de banca digital

S&T Bancorp colabora con socios tecnológicos:

Proveedor	Solución tecnológica	Año de implementación
Fiserv	Software bancario central	2022
Jack Henry & Asociado	Plataforma de banca digital	2023

Socios de redes hipotecarias y de préstamos

Las asociaciones de préstamos incluyen:

• Asociación de banqueros hipotecarios
• Red de préstamos de Administración de Pequeñas Empresas (SBA)
• Uniones de crédito regionales para la participación de préstamos

Colaboradores de servicios de seguros e inversiones

Asociaciones de inversión y seguros:

Pareja	Tipo de servicio	Duración de la asociación
Seguro nacional	Distribución de productos de seguro	En curso desde 2019
LPL Financial	Servicios de asesoramiento de inversiones	En curso desde 2020

S&T Bancorp, Inc. (STBA) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, S&T Bancorp informó activos totales de $ 13.1 mil millones y depósitos totales de $ 10.3 mil millones. El banco opera 88 sucursales de servicio completo en Pensilvania, Ohio y Nueva York.

Categoría de servicio bancario	Valor total de la cartera
Préstamos comerciales	$ 6.4 mil millones
Préstamos minoristas	$ 4.2 mil millones
Préstamos hipotecarios	$ 2.5 mil millones

Originación de préstamo y gestión de cartera

En 2023, S&T Bancorp procesó:

• 1.247 solicitudes de préstamos comerciales
• 3,682 originaciones de préstamos personales
• 672 Transacciones de préstamos hipotecarios

Métricas de rendimiento del préstamo	2023 datos
Tasa de carga de préstamo neto	0.32%
Ratio de préstamo sin rendimiento	0.78%

Desarrollo de la plataforma de banca digital

Las inversiones en la plataforma de banca digital en 2023 totalizaron $ 8.2 millones, con el 76% de los clientes que utilizan activamente los servicios bancarios en línea.

Servicio digital	Tasa de adopción de usuarios
Banca móvil	62%
Pago de factura en línea	54%
Depósito de cheque móvil	48%

Servicios de asesoramiento financiero del cliente

S&T Bancorp empleó a 127 asesores financieros en 2023, administrando $ 2.3 mil millones en activos de gestión de patrimonio.

Gestión de riesgos y monitoreo de cumplimiento

Presupuesto del Departamento de Cumplimiento en 2023: $ 4.5 millones, con 42 profesionales de cumplimiento dedicados.

Métrico de cumplimiento	2023 rendimiento
Hallazgos de auditoría regulatoria	3 observaciones menores
Horas de capacitación de cumplimiento	4.876 horas totales

S&T Bancorp, Inc. (STBA) - Modelo de negocio: recursos clave

Red bancaria regional fuerte en Pensilvania

A partir del cuarto trimestre de 2023, S&T Bancorp opera 88 ubicaciones de servicios financieros en Pensilvania. El banco mantiene una presencia concentrada en 20 condados dentro del estado.

Métrico de red	Cantidad
Ubicaciones de sucursales totales	88
Condados atendidos	20
Total de red de cajeros automáticos	126

Equipo experimentado de gestión financiera

El equipo de liderazgo de S&T Bancorp tiene una experiencia bancaria promedio de 22 años. El equipo ejecutivo incluye:

• Todd Brice - Presidente & CEO
• Mark Kochvar - Director Financiero
• David Antolik - Director bancario

Infraestructura de banca digital avanzada

Las plataformas de banca digital incluyen servicios bancarios móviles y en línea con $ 1.2 mil millones en volumen de transacción digital para 2023.

Métrica de banca digital	Valor
Volumen de transacción digital	$ 1.2 mil millones
Usuarios de banca móvil activa	78,500

Base de datos integral de clientes

S&T Bancorp mantiene una base de clientes de 160,000 clientes bancarios individuales y comerciales a diciembre de 2023.

Capital financiero y reservas robustas

Recursos financieros a partir del cuarto trimestre 2023:

Métrica financiera	Cantidad
Activos totales	$ 13.4 mil millones
Depósitos totales	$ 10.2 mil millones
Relación de capital de nivel 1	12.8%

S&T Bancorp, Inc. (STBA) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, S&T Bancorp informó $ 13.4 mil millones en activos totales y $ 10.2 mil millones en préstamos totales. El banco ofrece soluciones bancarias especializadas en múltiples segmentos:

Segmento de clientes	Gama de productos	Penetración del mercado
Pequeñas empresas	Comprobación de negocios, préstamos de SBA	37% de participación en el mercado regional
Banca personal	Verificación, ahorro, préstamos personales	42% de cobertura del mercado local
Clientes comerciales	Banca corporativa, Servicios del Tesoro	28% segmento de banca comercial

Tasas de interés competitivas y productos financieros

Ofertas actuales de tasas de interés a partir de enero de 2024:

• Tasas de préstamo comercial: 6.75% - 9.25%
• Tasas de préstamo personal: 5.99% - 12.50%
• Tasas hipotecarias: 6.50% - 7.25%
• Tasas de CD: 3.75% - 5.25%

Servicio al cliente local impulsado por la relación

S&T Bancorp mantiene 87 ubicaciones de ramas a través de Pensilvania, Ohio y Nueva York, sirviendo aproximadamente 168,000 cuentas de clientes.

Experiencias bancarias digitales y tradicionales integradas

Métricas bancarias digitales	2023 estadísticas
Usuarios de banca móvil	62,500 usuarios activos
Volumen de transacciones en línea	3.2 millones de transacciones mensuales
Tasa de adopción de banca digital	73% de la base de clientes

Asesoramiento financiero personalizado y gestión de patrimonio

Rendimiento del segmento de gestión de patrimonio en 2023:

• Activos bajo administración: $ 2.3 mil millones
• Tamaño promedio de la cartera del cliente: $ 875,000
• Asesores financieros: 42 profesionales certificados
• Ingresos de gestión de patrimonio: $ 47.6 millones

S&T Bancorp, Inc. (STBA) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personales

S&T Bancorp mantiene 63 oficinas de banca comunitaria en Pensilvania y Ohio a partir de 2023. El banco emplea 1.042 profesionales de banca de relaciones a tiempo completo dedicados a interacciones personalizadas del cliente.

Canal de interacción del cliente	Volumen de compromiso anual
Interacciones en la rama en persona	374,286
Contactos bancarios telefónicos	214,592
Puntos de contacto bancarios digitales	1,247,903

Soporte bancario en línea y móvil

S&T Bancorp proporciona servicios de banca digital con las siguientes métricas:

• Usuarios de banca móvil: 87,456
• Cuentas bancarias en línea: 124,783
• Volumen de transacción digital: 3.2 millones anuales

Compromiso del cliente centrado en la comunidad

S&T Bancorp invirtió $ 1.2 millones en programas de participación comunitaria durante 2023, apoyando a 87 eventos e iniciativas de la comunidad local.

Gerentes de relaciones dedicadas para clientes comerciales

El banco mantiene 142 gerentes de relaciones comerciales dedicadas que atienden a clientes comerciales y corporativos con un valor de cartera promedio de $ 42.6 millones por gerente.

Segmento de negocios	Gerentes de relaciones	Tamaño promedio de la cartera
Banca comercial	98	$ 35.4 millones
Banca corporativa	44	$ 62.1 millones

Educación financiera regular y servicios de asesoramiento

S&T Bancorp realizó 246 talleres de educación financiera en 2023, llegando a 6.734 personas en sus regiones de servicio.

• Seminarios financieros gratuitos: 187
• Sesiones de asesoramiento de pequeñas empresas: 59
• Total de participantes: 6,734

S&T Bancorp, Inc. (STBA) - Modelo de negocios: canales

Red de sucursales físicas

S&T Bancorp opera 88 oficinas de banca comunitaria de servicio completo en Pensilvania, Ohio, y Nueva York al 31 de diciembre de 2023.

Estado	Número de ramas
Pensilvania	75
Ohio	8
Nueva York	5

Plataforma bancaria en línea

S&T Bancorp proporciona servicios bancarios basados ​​en la web a través de un portal seguro en línea con Acceso de cuenta 24/7.

• La plataforma digital presenta monitoreo de transacciones en tiempo real
• Admite servicios de pago de facturas
• Habilita declaraciones electrónicas
• Proporciona capacidades de transferencia de fondos

Aplicación de banca móvil

Aplicación móvil disponible para plataformas iOS y Android con 45,000 usuarios de banca móvil activa a partir del cuarto trimestre de 2023.

Función de la aplicación móvil	Disponibilidad
Depósito de cheque móvil	Sí
Controles de tarjetas	Sí
Inicio de sesión biométrico	Sí

Red de cajeros automáticos

S&T Bancorp proporciona acceso a 120 cajeros automáticos patentados y participa en la red nacional de más de 30,000 cajeros automáticos sin recarga.

Servicios de banca telefónica

Sistema de banca telefónica automatizada las 24 horas con un tiempo de respuesta promedio de 45 segundos.

• Consultas de saldo de la cuenta
• Historial de transacciones
• Detener las solicitudes de pago
• Atención al cliente durante las horas extendidas

S&T Bancorp, Inc. (STBA) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, S&T Bancorp sirve aproximadamente 4,500 empresas pequeñas a medianas en Pensilvania y Ohio. Cartera total de préstamos comerciales para PYME: $ 1.2 mil millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Pymes de fabricación	1,250	$750,000
Servicios profesionales	1,100	$450,000
Minorista/al por mayor	850	$350,000

Clientes de banca minorista individual

Total de clientes de banca minorista: 185,000. Desglose demográfico:

• Edad 18-35: 42,000 clientes
• Edad 36-55: 68,000 clientes
• Edad 56+: 75,000 clientes

Empresas comerciales locales

El segmento de banca comercial sirve a 2.300 empresas locales. Activos de banca comercial total: $ 2.5 mil millones.

Tipo de empresa	Recuento de clientes	Valor total de la relación bancaria
Construcción	450	$ 425 millones
Cuidado de la salud	350	$ 375 millones
Tecnología	250	$ 285 millones

Clientes de gestión de patrimonio

Segmento de gestión de patrimonio: 12,500 clientes. Activos totales bajo administración: $ 1.8 mil millones.

Nivel de riqueza del cliente	Número de clientes	Valor de cartera promedio
Alto patrimonio neto ($ 1M- $ 5M)	6,200	$ 2.4 millones
Ultra alto patrimonio neto (> $ 5 millones)	1,850	$ 8.5 millones

Clientes de banca comunitaria regional

Cobertura bancaria comunitaria: 47 sucursales en Pensilvania y Ohio. Base de clientes regionales totales: 215,000.

• CLIENTES DE PENNSYLVANIA: 165,000
• Clientes de Ohio: 50,000

S&T Bancorp, Inc. (STBA) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir de la información financiera de 2022, S&T Bancorp mantuvo 88 oficinas de banca comunitaria de servicio completo en Pensilvania, Ohio y Nueva York. Los gastos operativos totales de la sucursal para 2022 fueron de $ 57.3 millones.

Categoría de gastos	Costo anual
Costos de ocupación	$ 18.2 millones
Servicios públicos y mantenimiento	$ 6.7 millones
Equipo de rama	$ 4.5 millones

Mantenimiento de la infraestructura tecnológica

La inversión en infraestructura tecnológica para 2022 totalizó $ 22.1 millones.

• Mantenimiento de sistemas de TI: $ 12.3 millones
• Inversiones de ciberseguridad: $ 5,6 millones
• Actualizaciones de la plataforma de banca digital: $ 4.2 millones

Compensación y beneficios de los empleados

Los gastos totales relacionados con los empleados para 2022 fueron de $ 153.4 millones.

Componente de compensación	Costo anual
Salarios base	$ 98.6 millones
Beneficios de salud y jubilación	$ 37.2 millones
Bonos de rendimiento	$ 17.6 millones

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2022 ascendieron a $ 16.8 millones.

• Informes regulatorios: $ 6.3 millones
• Salarios del personal de cumplimiento: $ 5.9 millones
• Auditoría externa y consultoría: $ 4.6 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 fueron de $ 8.7 millones.

Canal de marketing	Gasto anual
Marketing digital	$ 3.4 millones
Publicidad de medios tradicional	$ 2.9 millones
Patrocinios de eventos comunitarios	$ 1.4 millones

S&T Bancorp, Inc. (STBA) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, S&T Bancorp informó ingresos por intereses netos de $ 375.2 millones. El desglose de los activos generadores de intereses incluye:

Categoría de activos	Valor total	Rendimiento de intereses
Préstamos comerciales	$ 4.2 mil millones	5.75%
Préstamos hipotecarios residenciales	$ 1.8 mil millones	4.25%
Valores de inversión	$ 1.1 mil millones	3.50%

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 87.6 millones, con las siguientes categorías de tarifas:

• Tarifas de mantenimiento de la cuenta: $ 24.3 millones
• Tasas de procesamiento de transacciones: $ 36.5 millones
• Tasas de overgoración y fondos no suficientes: $ 14.2 millones
• Otras tarifas de servicios bancarios: $ 12.6 millones

Comisiones de origen de la hipoteca

Las comisiones de origen de la hipoteca para 2023 alcanzaron $ 42.1 millones, con:

• Originaciones de hipotecas residenciales: $ 38.7 millones
• Comisiones de hipotecas comerciales: $ 3.4 millones

Cargos de servicio de gestión de patrimonio

Los ingresos de gestión de patrimonio para 2023 fueron de $ 53.4 millones, compuestos por:

Categoría de servicio	Ganancia
Tarifas de gestión de activos	$ 31.2 millones
Servicios de asesoramiento financiero	$ 14.6 millones
Servicios de confianza	$ 7.6 millones

Ingresos de la transacción bancaria digital

Los ingresos por transacciones bancarias digitales para 2023 totalizaron $ 22.7 millones, con:

• Tarifas de transacción bancaria en línea: $ 12.5 millones
• Tarifas de transacción bancaria móvil: $ 8.2 millones
• Procesamiento de pagos digitales: $ 2 millones

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.