S&T Bancorp, Inc. (STBA): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, S&T Bancorp, Inc. (STBA) apparaît comme une puissance stratégique, mélangeant parfaitement les services financiers traditionnels axés sur la communauté avec l'innovation numérique de pointe. En fabriquant méticuleusement une toile complète du modèle commercial qui couvre des solutions bancaires personnalisées, des infrastructures technologiques robustes et des relations régionales profondes, la banque s'est positionnée comme un partenaire financier polyvalent pour les entreprises et les particuliers de la Pennsylvanie. Ce modèle complexe entraîne non seulement leur avantage concurrentiel, mais illumine également la façon dont les institutions financières modernes peuvent naviguer avec succès à l'intersection complexe de la banque de relations locales et de la transformation technologique.

S&T Bancorp, Inc. (STBA) - Modèle commercial: partenariats clés

Associations commerciales régionales et chambres de commerce

S&T Bancorp maintient des partenariats avec les organisations suivantes:

Organisation	Emplacement	Focus de partenariat
Chambre des affaires et de l'industrie de la Pennsylvanie	Pennsylvanie	Réseautage d'entreprises et développement économique
Chambre de commerce du comté d'Indiana	Comté d'Indiana, PA	Assistance commerciale locale

Banques communautaires locales et fournisseurs de services financiers

Les principaux partenariats de services financiers comprennent:

• Banque communautaire de Pennsylvanie
• Première Banque nationale de Pennsylvanie
• Northwest Savings Bank

Vendeurs technologiques pour les solutions bancaires numériques

S&T Bancorp collabore avec les partenaires technologiques:

Fournisseur	Solution technologique	Année de mise en œuvre
Finerv	Logiciel bancaire de base	2022
Jack Henry & Associés	Plate-forme bancaire numérique	2023

Partenaires de réseau hypothécaire et de prêt

Les partenariats de prêt comprennent:

• Association des banquiers hypothécaires
• Réseau de prêt de l'administration des petites entreprises (SBA)
• Unions de crédit régionaux pour la participation au prêt

Collaborateurs de services d'assurance et d'investissement

Partenariats d'investissement et d'assurance:

Partenaire	Type de service	Durée du partenariat
Assurance à l'échelle nationale	Distribution des produits d'assurance	En cours depuis 2019
LPL financier	Services de conseil en investissement	En cours depuis 2020

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, S&T Bancorp a déclaré un actif total de 13,1 milliards de dollars et des dépôts totaux de 10,3 milliards de dollars. La banque exploite 88 succursales à service complet à travers la Pennsylvanie, l'Ohio et New York.

Catégorie de service bancaire	Valeur totale du portefeuille
Prêts commerciaux	6,4 milliards de dollars
Prêts au détail	4,2 milliards de dollars
Prêts hypothécaires	2,5 milliards de dollars

Origination du prêt et gestion du portefeuille

En 2023, S&T Bancorp traité:

• 1 247 demandes de prêt commercial
• 3 682 ORIGNATIONS PERSONNELLE
• 672 Transactions de prêt hypothécaire

Métriques de performance du prêt	2023 données
Taux de remise de prêt net	0.32%
Ratio de prêts non performants	0.78%

Développement de la plate-forme bancaire numérique

Les investissements de la plate-forme bancaire numérique en 2023 ont totalisé 8,2 millions de dollars, 76% des clients utilisant activement les services bancaires en ligne.

Service numérique	Taux d'adoption des utilisateurs
Banque mobile	62%
Payage des factures en ligne	54%
Dépôt de chèques mobiles	48%

Services de conseil financier des clients

S&T Bancorp a employé 127 conseillers financiers en 2023, gérant 2,3 milliards de dollars d'actifs de gestion de patrimoine.

Gestion des risques et surveillance de la conformité

Budget du Département de la conformité en 2023: 4,5 millions de dollars, avec 42 professionnels de la conformité dévoués.

Métrique de conformité	Performance de 2023
Résultats d'audit réglementaire	3 observations mineures
Heures de formation de la conformité	4 876 heures au total

S&T Bancorp, Inc. (STBA) - Modèle commercial: Ressources clés

Strong Regional Banking Network en Pennsylvanie

Au quatrième trimestre 2023, S&T Bancorp exploite 88 emplacements de services financiers en Pennsylvanie. La banque maintient une présence concentrée dans 20 comtés de l'État.

Métrique du réseau	Quantité
Total des succursales	88
Les comtés servis	20
Réseau ATM total	126

Équipe de gestion financière expérimentée

L'équipe de direction de S&T Bancorp possède une expérience bancaire moyenne de 22 ans. L'équipe de direction comprend:

• Todd Brice - Président & PDG
• Mark Kochvar - directeur financier
• David Antolik - Chief Banking

Infrastructure bancaire numérique avancée

Les plates-formes bancaires numériques comprennent des services bancaires mobiles et en ligne avec 1,2 milliard de dollars dans le volume des transactions numériques pour 2023.

Métrique bancaire numérique	Valeur
Volume de transaction numérique	1,2 milliard de dollars
Utilisateurs de banques mobiles actives	78,500

Base de données client complète

S&T Bancorp maintient une clientèle de 160 000 clients bancaires individuels et commerciaux En décembre 2023.

Capital financier robuste et réserves

Ressources financières au quatrième trimestre 2023:

Métrique financière	Montant
Actif total	13,4 milliards de dollars
Dépôts totaux	10,2 milliards de dollars
Ratio de capital de niveau 1	12.8%

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, S&T Bancorp a déclaré 13,4 milliards de dollars d'actifs totaux et 10,2 milliards de dollars de prêts totaux. La banque propose des solutions bancaires spécialisées sur plusieurs segments:

Segment de clientèle	Gamme de produits	Pénétration du marché
Petites entreprises	Vérification des entreprises, prêts SBA	37% de part de marché régional
Banque personnelle	Vérification, économies, prêts personnels	42% de couverture du marché local
Clients commerciaux	Banque d'entreprise, services de trésorerie	28% segment bancaire commercial

Taux d'intérêt concurrentiels et produits financiers

Offres de taux d'intérêt actuels en janvier 2024:

• Taux de prêt commercial: 6,75% - 9,25%
• Taux de prêt personnel: 5,99% - 12,50%
• Taux hypothécaires: 6,50% - 7,25%
• Taux de CD: 3,75% - 5,25%

Service client axé sur les relations locales

S&T Bancorp maintient 87 Emplacements de succursales à travers la Pennsylvanie, l'Ohio et New York, servant à peu près 168 000 comptes clients.

Expériences bancaires numériques et traditionnelles intégrées

Métriques bancaires numériques	2023 statistiques
Utilisateurs de la banque mobile	62 500 utilisateurs actifs
Volume de transaction en ligne	3,2 millions de transactions mensuelles
Taux d'adoption des banques numériques	73% de la clientèle

Conseils financiers sur mesure et gestion de la patrimoine

Performance du segment de gestion de patrimoine en 2023:

• Actif sous gestion: 2,3 milliards de dollars
• Taille moyenne du portefeuille des clients: 875 000 $
• Conseillers financiers: 42 professionnels certifiés
• Revenus de gestion de la patrimoine: 47,6 millions de dollars

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: relations clients

Gestion des relations personnelles

S&T Bancorp maintient 63 bureaux bancaires communautaires à travers la Pennsylvanie et l'Ohio en 2023. La banque emploie 1 042 professionnels de la banque de relations à temps plein dédiés aux interactions personnalisées des clients.

Canal d'interaction client	Volume annuel d'engagement
Interactions de branche en personne	374,286
Contacts bancaires téléphoniques	214,592
Points de contact bancaire numérique	1,247,903

Assistance bancaire en ligne et mobile

S&T Bancorp fournit des services bancaires numériques avec les mesures suivantes:

• Utilisateurs de la banque mobile: 87 456
• Comptes bancaires en ligne: 124 783
• Volume de transaction numérique: 3,2 millions par an

Engagement client axé sur la communauté

S&T Bancorp a investi 1,2 million de dollars dans des programmes d'engagement communautaire au cours de 2023, soutenant 87 événements et initiatives communautaires locaux.

Gestionnaires de relations dédiés pour les clients commerciaux

La banque maintient 142 gestionnaires de relations commerciales dédiées au service des clients commerciaux et d'entreprise d'une valeur de portefeuille moyenne de 42,6 millions de dollars par gestionnaire.

Segment d'entreprise	Gestionnaires de relations	Taille moyenne du portefeuille
Banque commerciale	98	35,4 millions de dollars
Banque commerciale	44	62,1 millions de dollars

Services d'éducation financière et de conseil réguliers

S&T Bancorp a organisé 246 ateliers d'éducation financière en 2023, atteignant 6 734 personnes dans ses régions de service.

• Séminaires financiers gratuits: 187
• Sessions consultatives des petites entreprises: 59
• Total des participants: 6 734

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: canaux

Réseau de succursale physique

S&T Bancorp exploite 88 bureaux bancaires communautaires à service complet à travers Pennsylvanie, l'Ohio et New York au 31 décembre 2023.

État	Nombre de branches
Pennsylvanie	75
Ohio	8
New York	5

Plateforme bancaire en ligne

S&T Bancorp fournit des services bancaires en ligne via un portail en ligne sécurisé avec Accès du compte 24/7.

• Les fonctionnalités de plate-forme numérique sont de surveillance des transactions en temps réel
• Prise en charge les services de paiement des factures
• Active les déclarations électroniques
• Fournit des capacités de transfert de fonds

Application bancaire mobile

Application mobile disponible pour les plates-formes iOS et Android avec 45 000 utilisateurs actifs des banques mobiles au quatrième trimestre 2023.

Fonctionnalité d'application mobile	Disponibilité
Dépôt de chèques mobiles	Oui
Commandes de carte	Oui
Connexion biométrique	Oui

Réseau ATM

S&T Bancorp donne accès à 120 distributeurs automatiques de billets propriétaires et participe à un réseau national de plus de 30 000 distributeurs automatiques de billets sans supplément.

Services bancaires téléphoniques

Système bancaire téléphonique automatisé 24h / 24 avec un temps de réponse moyen de 45 secondes.

• Solde de compte Renseignements
• Historique des transactions
• Arrêter les demandes de paiement
• Support client pendant les heures prolongées

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Au quatrième trimestre 2023, S&T Bancorp dessert environ 4 500 petites et moyennes entreprises de Pennsylvanie et de l'Ohio. Portfolio total de prêts commerciaux pour les PME: 1,2 milliard de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Fabrication des PME	1,250	$750,000
Services professionnels	1,100	$450,000
Vente au détail / en gros	850	$350,000

Clients bancaires de détail individuels

Total des clients bancaires au détail: 185 000. Déchange démographique:

• 18 à 35 ans: 42 000 clients
• 36 à 55 ans: 68 000 clients
• 56 ans et plus: 75 000 clients

Entreprises commerciales locales

Le segment bancaire commercial dessert 2 300 entreprises locales. Actif bancaire commercial total: 2,5 milliards de dollars.

Type d'entreprise	Compte de clientèle	Valeur totale de la relation bancaire
Construction	450	425 millions de dollars
Soins de santé	350	375 millions de dollars
Technologie	250	285 millions de dollars

Clients de gestion de la patrimoine

Segment de gestion de patrimoine: 12 500 clients. Total des actifs sous gestion: 1,8 milliard de dollars.

Niveau de richesse client	Nombre de clients	Valeur de portefeuille moyenne
Valeur nette élevée (1 M $ à 5 millions de dollars)	6,200	2,4 millions de dollars
Valeur nette ultra élevée (> 5 millions de dollars)	1,850	8,5 millions de dollars

Clients bancaires de la communauté régionale

Couverture bancaire communautaire: 47 succursales à travers la Pennsylvanie et l'Ohio. Total de clientèle régionale: 215 000.

• Clients de Pennsylvanie: 165 000
• Clients de l'Ohio: 50 000

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

En 2022, S&T Bancorp a maintenu 88 bureaux bancaires communautaires à service complet de Pennsylvanie, de l'Ohio et de New York. Les dépenses d'exploitation totale de succursales pour 2022 étaient de 57,3 millions de dollars.

Catégorie de dépenses	Coût annuel
Frais d'occupation	18,2 millions de dollars
Services publics et maintenance	6,7 millions de dollars
Équipement de succursale	4,5 millions de dollars

Maintenance des infrastructures technologiques

L'investissement en infrastructure technologique pour 2022 a totalisé 22,1 millions de dollars.

• Maintenance des systèmes informatiques: 12,3 millions de dollars
• Investissements en cybersécurité: 5,6 millions de dollars
• Mises à niveau de la plate-forme bancaire numérique: 4,2 millions de dollars

Compensation et avantages sociaux des employés

Les dépenses totales liées aux employés pour 2022 étaient de 153,4 millions de dollars.

Composant de compensation	Coût annuel
Salaires de base	98,6 millions de dollars
Prestations de santé et de retraite	37,2 millions de dollars
Bonus de performance	17,6 millions de dollars

Coûts de conformité réglementaire

Les dépenses liées à la conformité pour 2022 s'élevaient à 16,8 millions de dollars.

• Représentation réglementaire: 6,3 millions de dollars
• Salaires du personnel de conformité: 5,9 millions de dollars
• Audit externe et conseil: 4,6 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2022 étaient de 8,7 millions de dollars.

Canal de marketing	Dépenses annuelles
Marketing numérique	3,4 millions de dollars
Publicité médiatique traditionnelle	2,9 millions de dollars
Commanditaires des événements communautaires	1,4 million de dollars

S&T Bancorp, Inc. (STBA) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, S&T Bancorp a déclaré un revenu net d'intérêts de 375,2 millions de dollars. La ventilation des actifs générateurs d'intérêts comprend:

Catégorie d'actifs	Valeur totale	Rendement intéressant
Prêts commerciaux	4,2 milliards de dollars	5.75%
Prêts hypothécaires résidentiels	1,8 milliard de dollars	4.25%
Titres d'investissement	1,1 milliard de dollars	3.50%

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 87,6 millions de dollars, avec les catégories de frais suivants:

• Frais de maintenance du compte: 24,3 millions de dollars
• Frais de traitement des transactions: 36,5 millions de dollars
• Découverte et frais de fonds non suffisants: 14,2 millions de dollars
• Autres frais de services bancaires: 12,6 millions de dollars

Commissions d'origine hypothécaire

Les commissions d'origine hypothécaire pour 2023 ont atteint 42,1 millions de dollars, avec:

• Originations hypothécaires résidentielles: 38,7 millions de dollars
• Commissions hypothécaires commerciales: 3,4 millions de dollars

Frais de service de gestion de patrimoine

Les revenus de gestion de la patrimoine pour 2023 étaient de 53,4 millions de dollars, composés de:

Catégorie de service	Revenu
Frais de gestion des actifs	31,2 millions de dollars
Services de conseil financier	14,6 millions de dollars
Services de confiance	7,6 millions de dollars

Revenus des transactions bancaires numériques

Les revenus des transactions bancaires numériques pour 2023 ont totalisé 22,7 millions de dollars, avec:

• Frais de transaction bancaire en ligne: 12,5 millions de dollars
• Frais de transaction bancaire mobile: 8,2 millions de dollars
• Traitement des paiements numériques: 2 millions de dollars

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.