S&t Bank Mortgage Rates, Fees & Info

Indiana, PA

LEI: MCXHCL35UUWDZK7NCQ61

Tax ID: 25-0776600

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    S&t Bank is a smaller bank specializing in Refi and Home Purchase loans. S&t Bank has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Harrisburg, Lancaster, Indiana, and Buffalo among others. We have data for 75 markets. (Some data included below & more in-depth data is available with an active subscription.)

    S&t Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. S&t Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.38% 12/16/24
    30 Year Conventional Refi 6.27% 12/16/24
    30 Year Cash-out Refi 6.03% 12/16/24
    30 Year FHA Purchase 6.27% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 6.42% 12/16/24
    15 Year Conventional Refi 5.84% 12/16/24
    15 Year Cash-out Refi 5.84% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    S&t Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from S&t Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,806

    Origination Dollar Volume (All Markets)

    $696,580,000

    Employee count

    1,201 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    PITTSBURGH, PA (FHA|USDA|VA) 1,716 $220,760,000 $128,648 $3,974 3.92%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 355 $111,535,000 $314,183 $4,318 4.19%
    LANCASTER, PA (FHA|USDA|VA) 134 $71,270,000 $531,866 $4,097 4.29%
    Outside of Metro Areas 399 $41,635,000 $104,348 $3,401 3.53%
    Indiana, PA (FHA|USDA|VA) 414 $41,490,000 $100,217 $3,203 3.62%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $23,635,000 $7,878,333 $2,638 4.36%
    ITHACA, NY (FHA|USDA|VA) 2 $23,110,000 $11,555,000 $4,196 4.76%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $21,760,000 $10,880,000 $0 3.66%
    DuBois, PA (FHA|USDA|VA) 183 $17,425,000 $95,219 $3,235 3.87%
    COLUMBUS, OH (FHA|USDA|VA) 31 $14,145,000 $456,290 $3,442 4.05%
    YORK-HANOVER, PA (FHA|USDA|VA) 60 $10,840,000 $180,667 $4,472 4.33%
    JOHNSTOWN, PA (FHA|USDA|VA) 144 $10,280,000 $71,389 $2,856 3.63%
    ALTOONA, PA (FHA|USDA|VA) 75 $9,895,000 $131,933 $3,447 3.69%
    TOLEDO, OH (FHA|USDA|VA) 1 $9,875,000 $9,875,000 $0 4.56%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 32 $8,170,000 $255,313 $4,276 4.28%
    AKRON, OH (FHA|USDA|VA) 58 $6,560,000 $113,103 $2,713 4.27%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $5,525,000 $5,525,000 $0 4.32%
    READING, PA (FHA|USDA|VA) 19 $5,115,000 $269,211 $3,713 4.25%
    ROCHESTER, NY (FHA|USDA|VA) 7 $3,545,000 $506,429 $0 5.40%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 19 $3,115,000 $163,947 $6,677 3.85%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 5 $2,855,000 $571,000 $3,712 4.96%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $2,725,000 $545,000 $8,643 3.89%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $2,660,000 $665,000 $5,193 4.87%
    LEBANON, PA (FHA|USDA|VA) 12 $2,460,000 $205,000 $6,522 4.04%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $4,757 4.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $1,555,000 $1,555,000 $5,739 3.88%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $6,305 4.38%
    St. Marys, PA (FHA|USDA|VA) 13 $1,365,000 $105,000 $3,486 3.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 14 $1,300,000 $92,857 $0 4.59%
    STATE COLLEGE, PA (FHA|USDA|VA) 6 $1,240,000 $206,667 $4,004 4.21%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,090,000 $545,000 $5,501 4.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,656 3.79%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $930,000 $465,000 $4,198 4.31%
    New Castle, PA (FHA|USDA|VA) 12 $900,000 $75,000 $0 4.91%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $890,000 $445,000 $4,229 2.58%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $850,000 $212,500 $3,476 4.13%
    Somerset, PA (FHA|USDA|VA) 6 $840,000 $140,000 $3,251 4.55%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $725,000 $145,000 $3,995 4.26%
    Oil City, PA (FHA|USDA|VA) 4 $690,000 $172,500 $0 4.68%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $640,000 $320,000 $4,415 3.94%
    Corning, NY (FHA|USDA|VA) 1 $575,000 $575,000 $6,760 3.88%
    Pottsville, PA (FHA|USDA|VA) 3 $545,000 $181,667 $4,381 4.71%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $515,000 $515,000 $2,861 4.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $480,000 $240,000 $7,526 4.37%
    GETTYSBURG, PA (FHA|USDA|VA) 3 $445,000 $148,333 $2,233 5.46%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $410,000 $205,000 $0 5.65%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,347 4.00%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $400,000 $100,000 $0 4.40%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $375,000 $375,000 $0 1.24%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,400 4.38%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $370,000 $185,000 $3,355 4.06%
    SANTA FE, NM (FHA|USDA|VA) 1 $365,000 $365,000 $3,832 4.25%
    Selinsgrove, PA (FHA|USDA|VA) 2 $320,000 $160,000 $4,736 4.81%
    Sandusky, OH (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.49%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.49%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.49%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $295,000 $295,000 $3,297 3.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $275,000 $275,000 $2,742 4.75%
    Wooster, OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,919 4.13%
    Lewistown, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,698 4.25%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,578 4.80%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.13%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $165,000 $165,000 $2,729 4.40%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.63%
    Huntingdon, PA (FHA|USDA|VA) 2 $120,000 $60,000 $5,096 3.06%
    ERIE, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.20%
    Ashtabula, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.74%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.90%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 1.24%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 1.24%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.24%
    Bradford, PA (FHA|USDA|VA) 1 $45,000 $45,000 $2,658 4.13%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $45,000 $45,000 $0 1.24%
    S&t Bank's top markets include Pittsburgh, Harrisburg, Lancaster, Indiana, and Buffalo among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against S&T Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    POINT BREEZE
    Similarity Rank: 27
    Reliance Savings Bank
    Similarity Rank: 66
    TRI BORO
    Similarity Rank: 70
    InFirst Bank
    Similarity Rank: 78
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 122
    Prudential Bank
    Similarity Rank: 162
    American Financial Mortgage Corporation
    Similarity Rank: 172
    CREDIT UNION OF NEW JERSEY
    Similarity Rank: 180
    First Federal Savings and Loan Association of Greene Co
    Similarity Rank: 210
    WELCOME HOME FINANCE, L.P.
    Similarity Rank: 237

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 2,140 $186,810,000 $87,294 n/a 3.49%
    Conventional 1,666 $509,770,000 $305,984 $3,800 4.44%

    For 2019, S&t Bank's most frequently originated type of loan was HELOC, with 2,140 originations. Their 2nd most popular type was Conventional, with 1,666 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,184 $253,540,000 $214,139 $3,491 3.70%
    Home Purchase 1,175 $309,375,000 $263,298 $3,885 4.42%
    Home Improvement 680 $47,130,000 $69,309 $1,418 3.44%
    Other 466 $35,460,000 $76,094 $2,829 3.64%
    Cash Out Refi 301 $51,075,000 $169,684 $3,899 4.13%

    For 2019, S&t Bank's most frequently cited loan purpose was Refi, with 1,184 originations. The 2nd most popular reason was Home Purchase, with 1,175 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 2,074 $218,210,000 $105,212 $4,205 3.50%
    30 Year 897 $167,105,000 $186,293 $3,969 4.22%
    20 Year 390 $66,750,000 $171,154 $2,725 4.60%
    15 Year 261 $33,365,000 $127,835 $3,010 4.42%
    10 Year 100 $135,180,000 $1,351,800 $2,859 4.99%
    30+ year 63 $25,445,000 $403,889 $5,820 4.31%
    5 Year 12 $25,500,000 $2,125,000 $247 5.21%
    3 Year 7 $24,275,000 $3,467,857 $84 4.07%
    1 Year 2 $750,000 $375,000 $0 4.38%

    For 2019, S&t Bank's most frequently cited loan duration was Other, with 2,074 originations. The 2nd most popular length was 30 Year, with 897 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 618 $108,320,000 $175,275
    $1k-2k 306 $66,620,000 $217,712
    $2k-3k 85 $21,615,000 $254,294
    $3k-4k 29 $7,215,000 $248,793
    $4k-5k 17 $4,005,000 $235,588
    $5k+ 13 $4,445,000 $341,923

    S&t Bank's average total fees were $3,969, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 618 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,670 $301,730,000 $180,677
    <2.5% 829 $68,245,000 $82,322
    3-4% 599 $221,015,000 $368,973
    5-6% 589 $97,075,000 $164,813
    6-7% 107 $7,015,000 $65,561
    2.5-3% 6 $1,250,000 $208,333
    Over 8% 4 $220,000 $55,000
    7-8% 2 $30,000 $15,000

    During 2019, S&t Bank's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 4-5%, with 1,670 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,136 $115,070,000 $53,872 $2,526 3.81%
    $100k-200k 1,021 $139,265,000 $136,401 $3,557 3.94%
    $200k-400k 471 $128,345,000 $272,495 $4,761 4.15%
    $400k-600k 99 $47,275,000 $477,525 $6,080 3.99%
    $1MM+ 45 $241,495,000 $5,366,556 $8,317 4.41%
    $600k-1MM 34 $25,130,000 $739,118 $6,277 4.24%

    2019 saw S&t Bank place emphasis on $100,000 or less loans with 2,136 originations, totaling $115,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 737 $65,045,000 $88,256 $3,334 3.85%
    $100k-150k 698 $94,330,000 $135,143 $4,361 3.71%
    $50k or less 684 $45,490,000 $66,506 $2,896 3.73%
    $75k-100k 546 $57,320,000 $104,982 $3,898 3.73%
    $150k-250k 437 $75,245,000 $172,185 $4,683 3.80%
    $250k+ 236 $80,750,000 $342,161 $5,344 3.88%

    S&t Bank lent most frequently to those with incomes in the $50k-75k range, with 737 originations. The second most popular income band? $100k-150k, with 698 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 904 $103,060,000 $114,004 $3,731 3.65%
    <20% 620 $63,050,000 $101,694 $3,519 3.63%
    30-36% 564 $72,850,000 $129,167 $3,832 3.80%
    50-60% 151 $23,335,000 $154,536 $3,911 3.82%
    40% 106 $14,590,000 $137,642 $3,745 3.85%
    41% 100 $11,390,000 $113,900 $3,992 4.18%
    37% 98 $11,130,000 $113,571 $3,298 3.72%
    38% 97 $10,635,000 $109,639 $3,333 3.90%
    39% 95 $12,755,000 $134,263 $4,344 3.76%
    36% 90 $11,020,000 $122,444 $3,651 3.85%
    43% 83 $10,445,000 $125,843 $3,710 3.76%
    44% 81 $11,585,000 $143,025 $3,594 3.83%
    42% 74 $11,660,000 $157,568 $3,801 3.54%
    46% 67 $10,415,000 $155,448 $4,737 3.72%
    48% 64 $9,200,000 $143,750 $4,297 3.89%
    49% 63 $9,675,000 $153,571 $3,972 3.87%
    45% 63 $9,645,000 $153,095 $4,115 3.62%
    47% 55 $9,295,000 $169,000 $4,195 3.91%
    >60% 29 $5,265,000 $181,552 $5,238 3.77%

    S&t Bank lent most frequently to those with DTI ratios of 20-30%, with 904 originations. The next most common DTI ratio? <20%, with 620 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,086 $294,830,000 $141,337 $3,826 3.79%
    Not applicable 309 $261,015,000 $844,709 $0 5.27%
    Not provided 1,351 $129,655,000 $95,970 $2,551 3.76%
    Asian 41 $8,505,000 $207,439 $4,634 4.20%
    Black 15 $2,235,000 $149,000 $3,666 3.59%
    Native Hawaiian or Islander 1 $135,000 $135,000 $0 1.24%
    Korean 1 $135,000 $135,000 $0 4.63%
    Native Hawaiian 1 $55,000 $55,000 $0 4.49%
    Asian Indian 1 $15,000 $15,000 $0 6.25%

    Approval Rates

    Total approvals of all applications
    86.39%

    S&t Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.45%

    S&t Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,806 $696,580,000 $183,022

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $490,000 $245,000
    Multifamily:Site-Built 89 $238,405,000 $2,678,708
    Single Family (1-4 Units):Manufactured 69 $4,345,000 $62,971
    Single Family (1-4 Units):Site-Built 3,646 $453,340,000 $124,339

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 754 $55,290,000 $73,329 $2,593 3.37%
    40-60% 550 $86,180,000 $156,691 $3,242 3.79%
    60-80% 1,069 $339,205,000 $317,311 $4,038 4.14%
    80-100% 983 $188,655,000 $191,918 $3,903 4.11%
    Over 100% 4 $7,700,000 $1,925,000 $0 4.32%
    Under 20% 425 $16,775,000 $39,471 $424 3.83%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    SOUTHPOINT FINANCIAL SERVICES, INC. FHA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    S&T Bank 100 S 4th St Youngwood, PA 15697 Full Service B&M $44,198
    S&T Bank 100 S Chestnut St Derry, PA 15627 Full Service B&M $16,398
    S&T Bank 1077 Freeport Road Pittsburgh, PA 15238 Full Service B&M $35,013
    S&T Bank 1100 Logan Boulevard Altoona, PA 16602 Full Service B&M $70,535
    S&T Bank 111 Resort Plaza Drive Blairsville, PA 15717 Full Service B&M $142,522
    S&T Bank 12262 Frankstown Road Pittsburgh, PA 15235 Full Service B&M $59,293
    S&T Bank 12550 Perry Highway Wexford, PA 15090 Full Service B&M $87,665
    S&T Bank 133 Philadelphia St Armagh, PA 15920 Full Service B&M $33,895
    S&T Bank 1516 Scalp Avenue Johnstown, PA 15904 Full Service B&M $18,011
    S&T Bank 1683 Oregon Pike Lancaster, PA 17601 Full Service B&M $159,912
    S&T Bank 2003 Lincoln Way White Oak, PA 15131 Full Service B&M $183,449
    S&T Bank 2032 Front Street Cuyahoga Falls, OH 44221 Full Service B&M $1,107
    S&T Bank 2055 Fruitville Pike Lancaster, PA 17601 Full Service B&M $54,195
    S&T Bank 209 Allegheny Blvd Brookville, PA 15825 Full Service B&M $54,612
    S&T Bank 2190 Hulton Road Verona, PA 15147 Full Service B&M $42,038
    S&T Bank 220 New Castle Road Butler, PA 16001 Full Service B&M $51,629
    S&T Bank 227 Butler Road Kittanning, PA 16201 Full Service B&M $40,407
    S&T Bank 232 Hampton Avenue Punxsutawney, PA 15767 Full Service B&M $168,756
    S&T Bank 2388 Route 286 Pittsburgh, PA 15239 Full Service B&M $145,595
    S&T Bank 2416 Philadelphia Street Indiana, PA 15701 Full Service Cyber Office $53
    S&T Bank 2455 Oakland Ave Indiana, PA 15701 Full Service B&M $120,742
    S&T Bank 256 Main Street Brookville, PA 15825 Full Service B&M $131,188
    S&T Bank 30 Towne Center Drive Leechburg, PA 15656 Full Service B&M $102,137
    S&T Bank 301 Colonial Road Harrisburg, PA 17109 Full Service B&M $57,083
    S&T Bank 309 Main Street Irwin, PA 15642 Full Service B&M $186,638
    S&T Bank 310 Centerville Road Lancaster, PA 17601 Full Service B&M $121,700
    S&T Bank 3135 New Germany Rd Suite 45 Ebensburg, PA 15931 Full Service B&M $38,944
    S&T Bank 324 North Fourth Street Indiana, PA 15701 Full Service B&M $65,291
    S&T Bank 3345 Market Street Camp Hill, PA 17011 Full Service B&M $300,962
    S&T Bank 34 North Main Street Homer City, PA 15748 Full Service B&M $101,878
    S&T Bank 3402 Washington Road Mc Murray, PA 15317 Full Service B&M $125,922
    S&T Bank 3884 Route 30 E, Rr Box 98 Latrobe, PA 15650 Full Service B&M $28,557
    S&T Bank 4021 Route 130 Irwin, PA 15642 Full Service B&M $130,559
    S&T Bank 410 Main Street Clarion, PA 16214 Full Service B&M $99,537
    S&T Bank 418 Main Street Reynoldsville, PA 15851 Full Service B&M $28,423
    S&T Bank 4251 Old William Penn Highway Murrysville, PA 15668 Full Service B&M $139,004
    S&T Bank 4385 Old William Penn Highway Monroeville, PA 15146 Full Service B&M $62,493
    S&T Bank 440 Bridge Street New Cumberland, PA 17070 Full Service B&M $63,382
    S&T Bank 456 Main Street Brockway, PA 15824 Full Service B&M $76,898
    S&T Bank 4580 Broadway Blvd Monroeville, PA 15146 Full Service B&M $94,489
    S&T Bank 4599 Cemetery Road Hilliard, OH 43026 Full Service B&M $60,470
    S&T Bank 491 North Cleveland-Massillon Road Akron, OH 44333 Full Service B&M $73,630
    S&T Bank 539 West Mahoning Street Punxsutawney, PA 15767 Limited, Drive-thru $0
    S&T Bank 5522 Shaffer Road Suite 99 Du Bois, PA 15801 Full Service Retail $57,104
    S&T Bank 602 Salt Street Saltsburg, PA 15681 Full Service B&M $69,216
    S&T Bank 6085 Allentown Boulevard Harrisburg, PA 17112 Full Service B&M $83,459
    S&T Bank 614 Liberty Boulevard Du Bois, PA 15801 Full Service B&M $137,299
    S&T Bank 628 Broad Street New Bethlehem, PA 16242 Full Service B&M $59,793
    S&T Bank 6306 Forbes Avenue Pittsburgh, PA 15217 Full Service B&M $84,341
    S&T Bank 701 East Pittsburgh Street Greensburg, PA 15601 Full Service B&M $162,809
    S&T Bank 701 Main Street Gallitzin, PA 16641 Full Service B&M $36,859
    S&T Bank 737 Main Street Portage, PA 15946 Full Service B&M $59,676
    S&T Bank 7660 Saltsburg Road Pittsburgh, PA 15239 Full Service B&M $164,701
    S&T Bank 800 Philadelphia Street Indiana, PA 15701 Full Service B&M $898,615
    S&T Bank 820 S Aiken Avenue Pittsburgh, PA 15232 Full Service B&M $47,298
    S&T Bank 85 Greensburg St Delmont, PA 15626 Full Service B&M $96,560
    S&T Bank 900 Commonwealth Drive Suite 100 Cranberry Township, PA 16066 Full Service B&M $25,770
    S&T Bank 9100 Covenant Avenue Pittsburgh, PA 15237 Full Service B&M $49,214
    S&T Bank 920 Fifth Avenue Ford City, PA 16226 Full Service B&M $71,766
    S&T Bank 9350 Route 30 Irwin, PA 15642 Full Service B&M $141,851

    For 2019, S&t Bank had 60 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $320,284
    Net interest income $247,875
    Total noninterest income $56,034
    Gross Fiduciary activities income $6,486
    Service charges on deposit accounts $12,496
    Trading account gains and fees $1,152
    Additional Noninterest Income $35,900
    Pre-tax net operating income $122,412
    Securities gains (or losses, -) $-5
    Income before extraordinary items $102,173
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $102,173
    Minority interest net income $0
    Net income $102,173
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $102,177

    S&t Bank's gross interest income from loans was $320,284,000.
    S&t Bank's net interest income from loans was $247,875,000.
    S&t Bank's fee based income from loans was $12,496,000.
    S&t Bank's net income from loans was $102,173,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $72,409
    Provision for credit losses $14,873
    Total noninterest expense $166,624
    Salaries and employee benefits $87,370
    Premises and equipment expense $21,249
    Additional noninterest expense $58,005
    Applicable income taxes $20,234
    Net charge-offs $13,645
    Cash dividends $59,489

    S&t Bank's interest expense for loans was $72,409,000.
    S&t Bank's payroll and benefits expense were $87,370,000.
    S&t Bank's property, plant and equipment expenses $21,249,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $7,044,084
    Deposits held in domestic offices $7,044,084
    Deposits by Individuals, partnerships, and corporations $6,441,372
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $588,453
    Deposits by Commercial banks and other depository institutions in U.S. $14,259
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,113,514
    Demand deposits $988,354
    Nontransaction accounts $5,930,570
    Money market deposit accounts (MMDAs) $3,242,201
    Other savings deposits (excluding MMDAs) $1,092,934
    Total time deposits $1,595,434
    Total time and savings deposits $6,055,730
    Noninterest-bearing deposits $909,942
    Interest-bearing deposits $6,134,143
    Retail deposits $6,336,240
    IRAs and Keogh plan accounts $215,875
    Brokered deposits $360,376
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,747,957
    Cash & Balances due from depository institutions $168,999
    Interest-bearing balances $88,622
    Total securities $779,397
    Federal funds sold & reverse repurchase $28,519
    Net loans and leases $7,080,184
    Loan and leases loss allowance $62,224
    Trading account assets $5,987
    Bank premises and fixed assets $104,116
    Other real estate owned $3,411
    Goodwill and other intangibles $387,201
    All other assets $190,143

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,747,957
    Total Liabilities $7,548,992
    Total deposits $7,044,084
    Interest-bearing deposits $6,134,143
    Deposits held in domestic offices $7,044,084
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $19,888
    Trading liabilities $0
    Other borrowed funds $384,695
    Subordinated debt $25,000
    All other liabilities $75,325

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,080,184
    Loan and leases loss allowance $62,224
    Total loans and leases (domestic) $7,142,408
    All real estate loans $5,342,542
    Real estate loans in domestic offices $5,342,542
    Construction and development loans $383,835
    Residential 1-4 family construction $78,651
    Other construction, all land development and other land $305,184
    Loans secured by nonfarm nonresidential properties $2,868,206
    Nonfarm nonresidential secured by owner-occupied properties $782,370
    Commercial real estate & other non-farm, non-residential $2,085,836
    Multifamily residential real estate $499,565
    1-4 family residential loans $1,542,189
    Farmland loans $48,747
    Loans held in foreign offices $0
    Farm loans $6,701
    Commercial and industrial loans $1,391,542
    To non-U.S. addressees $0
    Loans to individuals $79,033
    Credit card loans $0
    Related Plans $25,416
    Consumer Auto Loans $16,870
    Other loans to individuals $36,747
    All other loans & leases $322,590
    Loans to foreign governments and official institutions $0
    Other loans $4,237
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $35,587
    Non 1-4 family restructured loans & leases $29,475
    Total loans and leases (foreign) $0

    S&T Bank had $7,080,184,000 of loans outstanding in 2019. $5,342,542,000 of loans were in real estate loans. $383,835,000 of loans were in development loans. $499,565,000 of loans were in multifamily mortgage loans. $1,542,189,000 of loans were in 1-4 family mortgage loans. $6,701,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,870,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,142 $494,703 $230,954
    Nonfarm, nonresidential loans - <$100k 466 $19,158 $41,112
    Nonfarm, nonresidential loans - $100-250k 686 $83,322 $121,461
    Nonfarm, nonresidential loans - $250k-1MM 990 $392,223 $396,185
    Commercial & Industrial, US addressed loans - <$1MM 6,144 $405,888 $66,063
    Commercial & Industrial, US addressed loans - <$100k 4,213 $83,950 $19,926
    Commercial & Industrial, US addressed loans - $100-250k 852 $81,312 $95,437
    Commercial & Industrial, US addressed loans - $250k-1MM 1,079 $240,626 $223,008
    Farmland loans - <$1MM 79 $15,069 $190,747
    Farmland loans - <$100k 12 $449 $37,417
    Farmland loans - $100-250k 30 $4,102 $136,733
    Farmland loans - $250k-1MM 37 $10,518 $284,270
    Agriculture operations loans - <$1MM 21 $953 $45,381
    Agriculture operations loans - <$100k 17 $371 $21,824
    Agriculture operations loans - $100-250k 2 $101 $50,500
    Agriculture operations loans - $250k-1MM 2 $481 $240,500