S&t Bank Mortgage Rates, Fees & Info
Indiana, PALEI: MCXHCL35UUWDZK7NCQ61
Tax ID: 25-0776600
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
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% | 4/18/24 |
| 30 Year Conventional Purchase | 6.38% | 4/18/24 |
| 30 Year Conventional Refi | 6.27% | 4/18/24 |
| 30 Year Cash-out Refi | 6.03% | 4/18/24 |
| 30 Year FHA Purchase | 6.27% | 4/18/24 |
| 30 Year FHA Refi | 6.27% | 4/18/24 |
| 30 Year VA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 6.42% | 4/18/24 |
| 15 Year Conventional Refi | 5.84% | 4/18/24 |
| 15 Year Cash-out Refi | 5.84% | 4/18/24 |
| 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
3,806Origination Dollar Volume (All Markets)
$696,580,000Employee count
1,201Awards
S&T Bank - 2019
S&T Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for S&T Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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% |
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.
Similarity Rank: 27
Similarity Rank: 66
Similarity Rank: 70
Similarity Rank: 78
Similarity Rank: 122
Similarity Rank: 162
Similarity Rank: 172
Similarity Rank: 180
Similarity Rank: 210
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications86.39%
S&t Bank has an average approval rate.
Pick Rate
Approvals leading to origination80.45%
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
LTV Distribution
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 |