S&T Bank

800 Philadelphia Street
Indiana, PA 15701


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11124
Date Established 1902
Assets $7.08 billion
Loans $5.73 billion
Deposits $5.42 billion
Capital $0.88 billion

S&T Bank is an FDIC insured institution located in Indiana, PA. It was founded in 1902 and has approximately $7.08 billion in assets. Customers can open an account at one of its 65 branches.

For a more detailed analysis of S&T Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in S&T Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, S&T Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.49
Credit Card Loans 0.00
Consumer Auto Loans 0.32
Small Business Loans 7.07
Construction and Development Loans 5.33
Commercial Real Estate 41.29
Commercial and Industrial Loans 19.03
Farm Loans 0.06

Deposit Rates - October 16, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 $24,999 Learn MoreShow Less
Money Market
0.05% $25,000 $74,999 Learn MoreShow Less
3 Mo CD
0.15% $1,000 $500,000 Learn MoreShow Less
6 Mo CD
0.15% $1,000 $500,000 Learn MoreShow Less

Fixed IRA
0.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
2.19% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 - Learn MoreShow Less

Loan Rates - October 16, 2018

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


S&T Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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S&T Bank Locations

Financial Details

S&T Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of S&T Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
S&T Bank U.S. Bank Average
2.59% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, S&T Bank had $21,372,000 in non-current loans and $2,990,000 in owned real estate. To cover these potential losses it had $879,929,000 in equity and $60,517,000 in loans loss reserves. That gives it a Texas Ratio of 2.59%.

Return on Equity
S&T Bank U.S. Bank Average
11.37% 9.77%

S&T Bank has a Return on Equity of 11.37% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

S&T Bank U.S. Bank Average
12.43% 12.31%

S&T Bank has a Capitalization of 12.43% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

S&T Bank Balance Sheet Analysis

As of June 30, 2018, S&T Bank had assets of $7,077,019,000, loans of $5,729,402,000, and deposits of $5,417,613,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
Cash & Balances due from depository institutions $0.14 billion
Interest-bearing balances $0.08 billion
Total securities $0.68 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $5.73 billion
Loan loss allowance $0.06 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.30 billion
All other assets $0.18 billion
     Total Assets $6.20 billion
Total deposits $5.42 billion
      Interest-bearing deposits $4.76 billion
      Deposits held in domestic offices $5.42 billion
      % insured (estimated) 70.45%
Federal funds purchased and repurchase agreements $0.04 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.65 billion
Subordinated debt $0.03 billion
All other liabilities $0.06 billion
      Total Liabilities $6.20 billion
      Shareholders’ Equity $0.88 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.14 billion
Total Interest Expense $0.02 billion
Net interest income $0.12 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.03 billion
Total non interest expense $0.07 billion
Pre-tax Net Operating Income $0.06 billion

Frequently Asked Questions About S&t Bank

Branches and Savings

Is S&t Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11124.

Why does S&t Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are S&t Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is S&t Bank a commercial bank?


Where are S&t Bank locations?

See branch locations nearby.

Is S&t Bank open on Saturdays?

Is S&t Bank open on Sundays?

What time does S&t Bank open?

What time does S&t Bank close?

Are S&t Bank ATMs Open 24/7?

Do S&t Bank ATMs accept cash deposits?

Can S&t Bank customers use other ATMs?

Do S&t Bank branches have notaries?

Will S&t Bank notarize my document?

What address for S&t Bank should I put for incoming ACH transfers?

Will the S&t Bank branch print checks?

Do S&t Bank checks expire?

Does S&t Bank require US citizenship to open account?

Can S&t Bank close my account?

Does S&t Bank Report to credit bureaus?

Does S&t Bank Use Equifax?

What is S&t Bank's ACH Routing Number?

What is S&t Bank's SWIFT code?


Does S&t Bank offer mortgages?

Compare mortgage rates here.

Does S&t Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does S&t Bank offer personal loans?

Compare personal loan rates here.

Does S&t Bank offer student loans?

Will S&t Bank cash a check?

Will S&t Bank redeem a savings bond?

Does S&t Bank cash savings bonds?

Will S&t Bank cash money orders?

Can S&t Bank issue a money order?

Does S&t Bank do currency exchange?

Background on The Bank

Who owns S&t Bank?

How long has S&t Bank been around?

Can S&t Bank transfer to other banks?

Does S&t Bank have quick pay?

Does S&t Bank accept rolled coins?

Will S&t Bank accept loose change?

Where is S&t Bank headquarters?

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