S&T Bank in Indiana, Pennsylvania (PA)



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S&T Bank routing number info

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S&T Bank
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)909
Total assets$4,099,939
Cash and due from depository institutions$269,684
Interest-bearing balances$208,854
Securities$348,567
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$3,083,768
Loan loss allowance $48,841
Trading account assets$1,949
Bank premises and fixed assets$37,755
Other real estate owned$3,967
Goodwill and other intangibles$173,154
All other assets$181,095
Life insurance assets$4,099,939
Total liabilities and capital$3,625,278
Total liabilities$3,349,542
Total deposits$2,530,856
Interest-bearing deposits$3,349,542
Deposits held in domestic offices$82
% insured (estimated)30370.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$106,874
Other borrowed funds $70,000
Subordinated debt $68,492
All other liabilities $474,661
Total equity capital$474,661
Total bank equity capital$474,661
Perpetual preferred stock$0
Common stock$1,513
Surplus$219,258
Undivided profits $253,890
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,850
Income earned, not collected on loans $56,115
Earning assets $4,645
Long-term assets (5+ years) $11,007
Average Assets, year-to-date $3,643,138
Average Assets, quarterly $567,420
Volatile liabilities $4,074,683
Insider loans $4,085,937
FHLB advances $3,046,233
Loans and leases held for sale $3,869,729
Unused loan commitments $56,756
Tier 1 (core) risk-based capital $16,838
Tier 2 risk-based capital $321,352
Total risk weighted assets $39,918
Total unused commitments $0
Restructured Loans and leases $816,160
Derivatives$43,832
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $164,654
Total interest expense $27,077
Net interest income $137,577
Provision for loan and lease losses $15,609
Total noninterest income $46,122
Fiduciary activities $5,639
Service charges on deposit accounts $9,508
Trading account gains & fees -$41
Additional noninterest income $31,016
Total noninterest expense $103,807
Salaries and employee benefits $51,072
Premises and equipment expense $12,066
Additional noninterest expense $40,669
Pre-tax net operating income $64,283
Securities gains (losses) -$42
Applicable income taxes $15,622
Income before extraordinary items $48,619
Extraordinary gains - net $0
Net income attributable to bank $48,619
Net charge-offs $0
Cash dividends $48,619
Sale, conversion, retirement of capital stock, net $18,155
Net operating income $23,029
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.54%
Cost of funding earning assets 0.75%
Net interest margin 3.79%
Noninterest income to earning assets 1.27%
Noninterest expense to earning assets 2.86%
Net operating income to assets 1.19%
Return on assets (ROA) 1.19%
Pretax return on assets 1.58%
Return on equity (ROE) 10.39%
Retained earnings to average equity (YTD only) 5.47%
Net charge-offs to loans 0.56%
Credit loss provision to net charge-offs 85.98%
Efficiency ratio4.40%
Assets per employee$55,564
Cash dividends to net income (YTD only)4.51%
Condition Ratios (%)
Loss allowance to loans 47.37%
Loss allowance to noncurrent loans 1.56%
Noncurrent assets plus other real estate owned to assets 87.04%
Noncurrent loans to loans 1.47%
Net loans and leases to deposits1.79%
Net loans and leases to core deposits 92.07%
Equity capital to assets 99.33%
Core capital (leverage) ratio 11.58%
Tier 1 risk-based capital ratio 8.30%
Total risk-based capital ratio 10.55%
Memoranda
Average assets$14
Average earning assets$4,074,683
Average equity $467,910
Average loans $3,626,747
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$875,121
Number of Accounts1
Personal trust and agency accounts$844,072
Employee benefit-defined contribution accounts$235,424
Employee benefit-defined benefit accounts$53,324
Other retirement accounts$73,741
Corporate trust and agency accounts$68,641
Investment management agency accounts$0
Other fiduciary accounts$349,153
Fiduciary accounts held in foreign offices$63,789
Non-managed Assets$0
Number of Accounts2433
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$68,641
Employee benefit-defined benefit accounts$20,128
Other retirement accounts$31,049
Corporate trust and agency accounts$2,313
Other fiduciary accounts$3,166
Fiduciary accounts held in foreign offices$1,187
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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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