2026 Overview
General Bank Information
S&T Bank is an FDIC insured institution located in Indiana, PA. It was founded in 1902 and has approximately $9.94 billion in assets. Customers can open an account at one of its 65 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 11124 |
| Date Established | 1902 |
| Assets | $ 9.94 billion |
| Loans | $ 7.97 billion |
| Deposits | $ 8.13 billion |
| Capital | $ 1,373.77 million |
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.
Deposit Rates - October 20, 2026
Your Current Location: Arizona, AZ 85001
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Loan Rates - October 20, 2026
Your Current Location: Arizona, AZ 85001
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.25% | 3.25% | Varies |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Jumbo See Amortization Table |
7.75% | 7.30% | $2,193.83 | |
| 10 Year Fixed Conforming See Amortization Table |
5.21% | 5.21% | $3,426.57 | |
| 15 Year Fixed Conforming See Amortization Table |
5.36% | 5.36% | $2,590.95 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.15% | 6.13% | $2,722.87 | |
| 20 Year Fixed Jumbo See Amortization Table |
6.52% | 6.50% | $2,385.83 | |
| 20 Year Fixed Conforming See Amortization Table |
6.59% | 6.59% | $2,402.06 | |
| 30 Year Fixed Conforming See Amortization Table |
6.91% | 6.91% | $2,110.30 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.51% | 7.50% | $2,237.49 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Jumbo See Amortization Table |
7.75% | 7.30% | $2,193.83 | |
| 10 Year Fixed Conforming See Amortization Table |
5.26% | 5.26% | $3,435.22 | |
| 15 Year Fixed Conforming See Amortization Table |
5.25% | 5.25% | $2,572.91 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.15% | 6.13% | $2,722.87 | |
| 20 Year Fixed Jumbo See Amortization Table |
6.52% | 6.50% | $2,385.83 | |
| 20 Year Fixed Conforming See Amortization Table |
6.71% | 6.71% | $2,425.94 | |
| 30 Year Fixed Conforming See Amortization Table |
6.02% | 6.02% | $1,922.27 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.51% | 6.50% | $2,022.62 |
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.
Branches
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.
Your Location:
Phoenix,Arizona
S&T Bank Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1758.40 | A | View Lobby Hours | |
| 1766.27 | B | View Lobby Hours | |
| 1767.83 | C | View Lobby Hours | |
| 1770.72 | D | View Lobby Hours | |
| 1771.32 | E | View Lobby Hours | |
| 1774.05 | F | View Lobby Hours | |
| 1775.08 | G | View Lobby Hours | |
| 1777.02 | H | View Lobby Hours | |
| 1778.23 | I | View Lobby Hours | |
| 1778.25 | J | View Lobby Hours | |
| 1779.24 | K | View Lobby Hours | |
| 1779.25 | L | View Lobby Hours | |
| 1779.35 | M | View Lobby Hours | |
| 1780.01 | N | View Lobby Hours | |
| 1780.50 | O | View Lobby Hours | |
| 1782.14 | P | View Lobby Hours | |
| 1782.74 | Q | View Lobby Hours | |
| 1783.14 | R | View Lobby Hours | |
| 1784.96 | S | View Lobby Hours | |
| 1788.62 | T | View Lobby Hours | |
| 1788.73 | U | View Lobby Hours | |
| 1790.26 | V | View Lobby Hours | |
| 1795.22 | W | View Lobby Hours | |
| 1796.11 | X | View Lobby Hours | |
| 1797.47 | Y | View Lobby Hours | |
| 1798.17 | Z | View Lobby Hours |
Climate Policy and Initiatives
S&T Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 2.74% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2026, S&T Bank had $40,216,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,373,770,000 in equity and $93,320,000 in loans loss reserves. That gives it a Texas Ratio of 2.74%.
Return on Equity
| S&T Bank | U.S. Bank Average |
|---|---|
| 10.32% | 11.52% |
S&T Bank has a Return on Equity of 10.32% versus the BestCashCow average of 11.52%. 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.
Capitalization
| S&T Bank | U.S. Bank Average |
|---|---|
| 13.83% | 11.94% |
S&T Bank has a Capitalization of 13.83% versus the BestCashCow average of 11.94. 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, 2026, S&T Bank had assets of $9,935,678,000, loans of $7,969,761,000, and deposits of $8,126,539,000. 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, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 217.38 million |
| Interest-bearing balances | $ 145.96 million |
| Total securities | $ 1,010.73 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 7.97 billion |
| Loan loss allowance | $ 93.32 million |
| Trading account assets | $ 12.15 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 380.17 million |
| All other assets | $ 245.85 million |
| Total Assets | $ 8.56 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 8.13 billion |
| Interest-bearing deposits | $ 5.87 billion |
| Deposits held in domestic offices | $ 8.13 billion |
| % insured (estimated) | 64.32% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 21.99 million |
| Subordinated debt | $ 25.00 million |
| All other liabilities | $ 205.98 million |
| Total Liabilities | $ 8.56 billion |
| Shareholders’ Equity | $ 1,373.77 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 254.31 million |
| Total Interest Expense | $ 74.25 million |
| Net interest income | $ 180.06 million |
| Provision for loan and lease losses | $ 2.44 million |
| Total non interest income | $ 32.13 million |
| Total non interest expense | $ 117.01 million |
| Pre-tax Net Operating Income | $ 74.89 million |
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 Multifamily Mortgages, Commercial Real Estate, 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 19.93 | ✓ | ||
| Multifamily Mortgages |
6.50 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.16 | ✓ | ||
| Small Business Loans | 5.32 | ✓ | ||
| Construction and Development Loans | 5.61 | ✓ | ||
| Commercial Real Estate | 33.18 | ✓ | ||
| Commercial and Industrial Loans | 17.99 | ✓ | ||
| Farm Loans | 0.02 | ✓ | ||
Customer Reviews for S&T Bank
[email protected]
May 15, 2020
Sucks don’t ever get with this bank
Is this review helpful? Yes:3 / No: 3
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