BlastPoint's Banking Scorecard

S&T Bank

$1B-$10B Specialty: Commercial PA FDIC cert 11124

Indiana, PA

76 branches across PA · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits +2.0% year over year ($8.1B on the books).
Delinquency rate 0.50%.
Return on assets 1.47%.
Efficiency ratio 54.97% vs a 59.73% peer average.
Loan-to-deposit ratio 98.07% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA

View $1B-$10B leaderboard (PA) →

S&T Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.08% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 4.75% below tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.5% in tier
- Liquidity Strain: Bottom 25.5% in tier

Get updates when S&T Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$9.9B +1.3% YoY -0.0% QoQ	+$7.1B	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 0.1% in tier
Total Loans ?	$8.0B +1.7% YoY +1.3% QoQ	+$6.0B	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 0.1% in tier
Total Deposits ?	$8.1B +2.0% YoY -1.1% QoQ	+$5.8B	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	Top 1.1% in tier
Return on Assets ?	1.47% +4.8% YoY -0.2% QoQ	+0.08%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	3.95% +2.2% YoY +1.0% QoQ	+0.07%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	54.97% -3.2% YoY +0.9% QoQ	-4.75%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	0.50% +85.5% YoY -20.5% QoQ	-0.36%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	98.07% -0.3% YoY +2.5% QoQ	+13.04%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	27.81% +1.9% YoY +1.3% QoQ	+6.54%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.40% +86.2% YoY -19.5% QoQ	-0.27%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	13.28% -6.4% YoY -4.3% QoQ	-1.57%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.32% +7.1% YoY +116.1% QoQ	-0.20%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	57%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	27.8% +0.5pp YoY +0.3pp QoQ	+6.4pp	21.4%	18.7%	22.2%	78%
Brokered Deposits	n/a	n/a	9.5%	6.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	14.8% 0.0pp YoY +0.3pp QoQ	+0.8pp	14.0%	8.6%	12.5%	66%
CRE	49.8% -0.6pp YoY -0.4pp QoQ	-0.2pp	50.0%	37.9%	41.4%	50%
1-4 Family	30.2% +0.1pp YoY -0.3pp QoQ	+3.8pp	26.4%	47.8%	31.3%	66%
Consumer	1.0% -0.3pp YoY -0.1pp QoQ	-3.7pp	4.7%	3.8%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	13.3% -0.9pp YoY -0.6pp QoQ	-2.3pp	15.6%	22.3%	19.7%	46%
Leverage Ratio	11.0% -0.6pp YoY -0.3pp QoQ	-0.3pp	11.3%	13.2%	12.6%	61%
Total Capital Ratio	14.8% -0.9pp YoY -0.6pp QoQ	-1.9pp	16.7%	23.3%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	1,191 -23 (-1.9%) YoY -23 (-1.9%) QoQ	+877	313	299	482	99%
Assets per Employee ($)	$8.3M +3.3% YoY +1.9% QoQ	-$2.1M	$10.5M	$9.2M	$8.8M	46%
Branch Count	76 0 YoY 0 QoQ	+56	20	20	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.5% +0.2pp YoY -0.1pp QoQ	-0.3pp	0.8%	0.9%	1.0%	49%
Allowance Coverage	2.32x -49.8% YoY +24.3% QoQ	-16.39x	18.71x	3.63x	20.23x	54%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	10.3% +0.5pp YoY +0.1pp QoQ	-2.3pp	12.6%	10.2%	11.6%	36%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.8%	1.7%	31%
Net Income ($, YTD)	$73.0M +6.9% YoY — QoQ	+$53.7M	$19.2M	$18.2M	$40.4M	97%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#43 of 402 • Bottom 10.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#93 of 361 • Bottom 25.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.07%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Assets

size

Value: $9.94B

Peer Median: $2.79B

#1 of 885 Top 0.1% in $1B-$10B

Total Loans

size

Value: $7.97B

Peer Median: $1.96B

#2 of 885 Top 0.1% in $1B-$10B

Total Deposits

size

Value: $8.13B

Peer Median: $2.32B

#11 of 885 Top 1.1% in $1B-$10B

189

Non-Interest-Bearing Deposit Share

funding

Value: 27.81%

Peer Median: 21.27%

#189 of 885 Top 21.2% in $1B-$10B

Top Weaknesses (1 metrics)

717

Loan-to-Deposit Ratio

liquidity

Value: 98.07%

Peer Median: 85.04%

#717 of 885 Bottom 19.1% in $1B-$10B