S&T Bank in Indiana, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

S&T Bank - Overview

  • General
  • FDIC Certificate #: 11124
    Status: Active
    Federal Reserve ID: 936426
    Bank Holding Company (Regulatory Top Holder): S & T Bancorp, Inc. (RSSDID: 1071397, Location: Indiana, PA)
    Date Established: May 21, 1902
    WWW: http://www.stbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 60 (Domestic: 52, Interstate: No)
    OTS Docket #: 10096
    FDIC's unique #: 7103
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 10, 2012
    Last Structure Change Process Date: March 14, 2012
    Last Data Update: March 14, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 800 Philadelphia Street, Indiana, PA 15701
    County: Indiana
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Indiana, PA (#26860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $4,099.9 mil
    Equity capital: $474.7 mil
    Deposits held in domestic offices: $3,349.5 mil
    Return on assets (ROA): 1.19% ($48.8 mil)
    Quarterly return on assets: 1.18% ($48.4 mil)
    Return on Equity (ROE): 10.39% ($49.4 mil)
    Quarterly return on equity: 10.15% ($48.2 mil)
    Net income: $48.6 mil
    Quarterly Net income: $12.1 mil
    Pretax return on assets: 1.58% ($64,779.0 mil)
    Quarterly Pretax return on assets: 1.69% ($69,289.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 909Total employees (full-time equivalent)
  • $4,099,939Total assets
  • $269,684Cash and due from depository institutions
  • $208,854Interest-bearing balances
  • $348,567Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,083,768Net loans & leases
  • $48,841Loan loss allowance
  • $1,949Trading account assets
  • $37,755Bank premises and fixed assets
  • $3,967Other real estate owned
  • $173,154Goodwill and other intangibles
  • $4,099,939Life insurance assets
  • $181,095All other assets
  • $3,625,278Total liabilities and capital
  • $3,349,542Total liabilities
  • $2,530,856Total deposits
  • $3,349,542Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 30370.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $106,874Trading liabilities
  • $70,000Other borrowed funds
  • $68,492Subordinated debt
  • $474,661All other liabilities
  • $474,661Total equity capital
  • $474,661Total bank equity capital
  • $0Perpetual preferred stock
  • $1,513Common stock
  • $219,258Surplus
  • $253,890Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,850Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $56,115Income earned, not collected on loans
  • $4,645Earning assets
  • $11,007Long-term assets (5+ years)
  • $3,643,138Average Assets, year-to-date
  • $567,420Average Assets, quarterly
  • $4,074,683Volatile liabilities
  • $4,085,937Insider loans
  • $3,046,233FHLB advances
  • $3,869,729Loans and leases held for sale
  • $56,756Unused loan commitments
  • $16,838Tier 1 (core) risk-based capital
  • $321,352Tier 2 risk-based capital
  • $39,918Total risk weighted assets
  • $0Total unused commitments
  • $816,160Restructured Loans and leases
  • $43,832Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $164,654Total interest income
  • $27,077Total interest expense
  • $137,577Net interest income
  • $15,609Provision for loan and lease losses
  • $46,122Total noninterest income
  • $5,639Fiduciary activities
  • $9,508Service charges on deposit accounts
  • -$41Trading account gains & fees
  • $31,016Additional noninterest income
  • $103,807Total noninterest expense
  • $51,072Salaries and employee benefits
  • $12,066Premises and equipment expense
  • $40,669Additional noninterest expense
  • $64,283Pre-tax net operating income
  • -$42Securities gains (losses)
  • $15,622Applicable income taxes
  • $48,619Income before extraordinary items
  • $0Extraordinary gains - net
  • $48,619Net income attributable to bank
  • $0Net charge-offs
  • $48,619Cash dividends
  • $18,155Sale, conversion, retirement of capital stock, net
  • $23,029Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.79%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 10.39%Return on equity (ROE)
  • 5.47%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 85.98%Credit loss provision to net charge-offs
  • 4.40%Efficiency ratio
  • 55,564Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.37%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 87.04%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 92.07%Net loans and leases to core deposits
  • 99.33%Equity capital to assets
  • 11.58%Core capital (leverage) ratio
  • 8.30%Tier 1 risk-based capital ratio
  • 10.55%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $4,074,683Average earning assets
  • $467,910Average equity
  • $3,626,747Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $875,121Managed Assets
  • 1Number of Accounts
  • $844,072Personal trust and agency accounts
  • $235,424Employee benefit-defined contribution accounts
  • $53,324Employee benefit-defined benefit accounts
  • $73,741Other retirement accounts
  • $68,641Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $349,153Other fiduciary accounts
  • $63,789Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2433Number of Accounts
  • $0Personal trust and agency accounts
  • $68,641Employee benefit-defined contribution accounts
  • $20,128Employee benefit-defined benefit accounts
  • $31,049Other retirement accounts
  • $2,313Corporate trust and agency accounts
  • $3,166Other fiduciary accounts
  • $1,187Fiduciary accounts held in foreign offices

List of branches

  • 60 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07103S&T Bank800 Philadelphia Street, Indiana, PA 15701May 21, 1902Full Service Brick and Mortar
    1224068Saltsburg Branch602 Salt Street, Saltsburg, PA 15681April 17, 1967Full Service Brick and Mortar
    2224069Indian Springs Branch2455 Route 286 S, Indiana, PA 15701June 12, 1968Full Service Brick and Mortar
    5224071Mahoning Branch539 West Mahoning Street, Punxsutawney, PA 15767December 10, 1971Full Service Brick and Mortar
    6224072Hampton Avenue Branch232 Hampton Avenue, Punxsutawney, PA 15767September 14, 1976Full Service Brick and Mortar
    8224074North Fourth Street Branch324 North Fourth Street, Indiana, PA 15701March 20, 1979Full Service Brick and Mortar
    98892Brookville Branch256 Main Street, Brookville, PA 15825April 16, 1934Full Service Brick and Mortar
    11231220Route 36 Branch209 Allegheny Blvd, Brookville, PA 15825December 08, 1972Full Service Brick and Mortar
    124089Brockway Branch456 Main Street, Brockway, PA 15824August 27, 1920Full Service Brick and Mortar
    138401Homer City Branch34 North Main Street, Homer City, PA 15748September 05, 1919Full Service Brick and Mortar
    14229417Armagh Branch133 Philadelphia St, Armagh, PA 15920August 06, 1962Full Service Brick and Mortar
    15229418Wayne Avenue Branch1107 Wayne Avenue, Indiana, PA 15701December 22, 1964Full Service Brick and Mortar
    18448Du Bois Branch35 West Scribner Avenue, Du Bois, PA 15801January 01, 1900Full Service Brick and Mortar
    19184346Du Bois Mall Branch5522 Shaffer Road, Du Bois, PA 15801May 01, 1973Full Service Retail
    20184347Reynoldsville Branch418 Main Street, Reynoldsville, PA 15851May 10, 1974Full Service Brick and Mortar
    22224075Blairsville Station Branch205 East Market Street, Blairsville, PA 15717December 10, 1987Full Service Brick and Mortar
    2440793Delmont Branch85 Greensburg St, Delmont, PA 15626January 01, 1901Full Service Brick and Mortar
    25275045Derry Branch100 S Chestnut St, Derry, PA 15627June 13, 1935Full Service Brick and Mortar
    30275051Youngwood Branch100 S 4th St, Youngwood, PA 15697June 13, 1935Full Service Brick and Mortar
    36224076Hilltop Plaza Branch12 Hilltop Plaza, Kittanning, PA 16201June 28, 1992Full Service Retail
    37224077Liberty Boulevard Branch614 Liberty Boulevard, Du Bois, PA 15801May 23, 1994Full Service Brick and Mortar
    38224078South Towne Plaza Branch3100 Oakland Avenue, Indiana, PA 15701June 21, 1995Full Service Retail
    394074Plum Branch7660 Saltsburg Road, Pittsburgh, PA 15239January 04, 1918Full Service Brick and Mortar
    40208606Holiday Park Branch2388 Route 286, Pittsburgh, PA 15239Febuary 02, 1965Full Service Brick and Mortar
    41208607Penn Hills Branch12262 Frankstown Road, Pittsburgh, PA 15235March 15, 1967Full Service Brick and Mortar
    42208608Monroeville Branch4385 Old William Penn Highway, Monroeville, PA 15146May 11, 1973Full Service Brick and Mortar
    43208609East Oakmont Branch2190 Hulton Road, Verona, PA 15147December 13, 1978Full Service Brick and Mortar
    44208610Unity Branch301 Unity Center Road, Pittsburgh, PA 15239Febuary 27, 1992Full Service Brick and Mortar
    45224079Greensburg Branch701 East Pittsburgh Street, Greensburg, PA 15601September 16, 1996Full Service Brick and Mortar
    46185592Clarion Branch410 Main Street, Clarion, PA 16214December 02, 1963Full Service Brick and Mortar
    47361756Shadyside Branch820 S Aiken Avenue, Pittsburgh, PA 15232July 10, 2000Full Service Brick and Mortar
    48365101Murrysville Branch4251 Old William Penn Highway, Murrysville, PA 15668September 04, 2001Full Service Brick and Mortar
    494079Ford City Branch920 Fifth Avenue, Ford City, PA 16226January 01, 1914Full Service Brick and Mortar
    50208615Manor Branch420 Armstrong St, Ford City, PA 16226May 06, 1968Full Service Brick and Mortar
    53225966New Bethlehem Branch628 Broad Street, New Bethlehem, PA 16242September 17, 1981Full Service Brick and Mortar
    55208617Butler Branch220 New Castle Road, Butler, PA 16001September 28, 1998Full Service Brick and Mortar
    56419045Resort Plaza Branch111 Resort Plaza Drive, Blairsville, PA 15717December 09, 2002Full Service Brick and Mortar
    59425702Strawberry Meadows Branch200 Patch Way Road, Duncansville, PA 16635December 15, 2003Full Service Brick and Mortar
    61438779Altoona Messenger Service Branch208 West Plank Road, Altoona, PA 16602January 10, 2005Limited Service Messenger
    62439268Latrobe Route 30 Branch3884 Route 30 E, Latrobe, PA 15650Febuary 21, 2005Full Service Brick and Mortar
    64442431Allegheny Towne Center Branch30 Towne Center Drive, Leechburg, PA 15656August 02, 2004Full Service Brick and Mortar
    65442432Direct Banking Center Branch355 N 5th Street, Indiana, PA 15701June 30, 2005Full Service Cyber
    67463036Squirrell Hill Branch6306 Forbes Avenue, Pittsburgh, PA 15217May 07, 2007Full Service Brick and Mortar
    68466128Altoona Regional Bkg Ctr Branch1100 Logan Boulevard, Altoona, PA 16602May 14, 2007Full Service Brick and Mortar
    695362Irwin Branch309 Main Street, Irwin, PA 15642January 01, 1922Full Service Brick and Mortar
    70218426Irwin Route 30 Branch9350 Lincoln Highway, Irwin, PA 15642August 08, 1957Full Service Brick and Mortar
    71218427Penn Township Branch4021 Route 130, Irwin, PA 15642September 12, 1964Full Service Brick and Mortar
    72218428White Oak Branch2003 Lincoln Way, White Oak, PA 15131November 16, 1987Full Service Brick and Mortar
    73218429Haymaker Village Branch4580 Broadway Blvd, Monroeville, PA 15146November 23, 1992Full Service Brick and Mortar
    74218431Fort Allen Branch4589 Route 136, Greensburg, PA 15601October 20, 1997Full Service Retail
    80479125O'hara Township Branch1077 Freeport Road, Pittsburgh, PA 15238August 13, 2007Full Service Brick and Mortar
    81480023Wexford Branch12550 Perry Highway, Wexford, PA 15090July 29, 2008Full Service Brick and Mortar
    8210379Mainline National Bank Branch737 Main Street, Portage, PA 15946July 20, 1944Full Service Brick and Mortar
    83237560Summerhill BranchCroyle Avenue, Summerhill, PA 15958June 27, 1966Full Service Brick and Mortar
    84237561Southmont Branch307 State Street, Southmont Borough, PA 15905November 01, 1984Full Service Brick and Mortar
    85237562Ebensburg Branch3135 New Germany Rd, Ebensburg, PA 15946June 16, 1986Full Service Brick and Mortar
    869037Gallitzin Branch701 Main Street, Gallitzin, PA 16641January 01, 1902Full Service Brick and Mortar
    87237563Richland Branch1516 Scalp Avenue, Johnstown, PA 15904January 26, 1996Full Service Brick and Mortar
    88215882Loretto Branch180 St. Mary's Street, Loretto, PA 15940October 01, 1965Full Service Brick and Mortar
    89440749Altoona Branch3233 6th Avenue, Altoona, PA 16602May 13, 2005Full Service Brick and Mortar

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