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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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, Columbus, Philadelphia, Harrisburg, and Lancaster among others. We have data for 84 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 an average 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 6.38% 3/28/24
30 Year Conventional Refi 6.27% 3/28/24
30 Year Cash-out Refi 6.03% 3/28/24
30 Year FHA Purchase 6.27% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.27% 3/28/24
15 Year Conventional Purchase 6.42% 3/28/24
15 Year Conventional Refi 5.84% 3/28/24
15 Year Cash-out Refi 5.84% 3/28/24
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

4,497

Origination Dollar Volume (All Markets)

$950,735,000

Employee count

1,174

Awards

S&T Bank 30 Year Conventional Loans bronze S&T Bank 30 Year Conventional Loans silver
Show all (2) 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) 1,776 $275,750,000 $155,265 $5,358 3.33%
COLUMBUS, OH (FHA|USDA|VA) 60 $131,520,000 $2,192,000 $5,139 3.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 395 $95,565,000 $241,937 $6,067 3.24%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 440 $94,410,000 $214,568 $5,240 3.37%
LANCASTER, PA (FHA|USDA|VA) 212 $48,790,000 $230,142 $5,283 3.36%
Indiana, PA (FHA|USDA|VA) 391 $42,655,000 $109,092 $4,019 3.27%
Outside of Metro Areas 349 $38,155,000 $109,327 $4,171 3.30%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $33,540,000 $4,192,500 $5,687 2.97%
DuBois, PA (FHA|USDA|VA) 181 $20,685,000 $114,282 $3,997 3.32%
YORK-HANOVER, PA (FHA|USDA|VA) 89 $20,605,000 $231,517 $4,933 3.33%
JOHNSTOWN, PA (FHA|USDA|VA) 140 $15,600,000 $111,429 $4,693 3.28%
ALTOONA, PA (FHA|USDA|VA) 107 $14,765,000 $137,991 $4,516 3.32%
ERIE, PA (FHA|USDA|VA) 4 $14,400,000 $3,600,000 $9,707 3.46%
AKRON, OH (FHA|USDA|VA) 72 $13,510,000 $187,639 $4,250 3.36%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 46 $13,260,000 $288,261 $5,086 3.69%
Wooster, OH (FHA|USDA|VA) 1 $7,825,000 $7,825,000 $0 3.36%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $5,770,000 $961,667 $7,317 3.16%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $5,405,000 $1,801,667 $8,665 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $5,030,000 $838,333 $5,537 3.37%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $4,345,000 $869,000 $9,502 3.29%
LEBANON, PA (FHA|USDA|VA) 22 $4,330,000 $196,818 $4,937 3.23%
READING, PA (FHA|USDA|VA) 25 $4,285,000 $171,400 $4,935 3.24%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $4,040,000 $505,000 $5,875 4.28%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $2,940,000 $1,470,000 $0 3.47%
STATE COLLEGE, PA (FHA|USDA|VA) 10 $2,180,000 $218,000 $5,808 3.15%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $2,130,000 $532,500 $0 4.73%
St. Marys, PA (FHA|USDA|VA) 17 $1,695,000 $99,706 $3,779 3.03%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $1,460,000 $730,000 $16,217 4.31%
SYRACUSE, NY (FHA|USDA|VA) 1 $1,345,000 $1,345,000 $0 3.29%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,270,000 $317,500 $4,071 3.38%
Somerset, PA (FHA|USDA|VA) 7 $1,245,000 $177,857 $4,736 3.28%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 11 $1,115,000 $101,364 $5,128 4.23%
Sandusky, OH (FHA|USDA|VA) 3 $1,105,000 $368,333 $5,850 3.33%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $940,000 $235,000 $0 3.46%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $850,000 $141,667 $3,912 3.72%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $820,000 $205,000 $6,030 3.53%
New Castle, PA (FHA|USDA|VA) 7 $815,000 $116,429 $0 4.34%
Meadville, PA (FHA|USDA|VA) 4 $770,000 $192,500 $6,659 2.87%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $765,000 $765,000 $0 4.88%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $740,000 $370,000 $4,622 4.31%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $725,000 $241,667 $4,576 3.54%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $720,000 $360,000 $5,105 3.12%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $660,000 $330,000 $0 3.62%
YAKIMA, WA (FHA|USDA|VA) 1 $625,000 $625,000 $3,188 4.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $620,000 $310,000 $6,506 3.00%
TOLEDO, OH (FHA|USDA|VA) 2 $580,000 $290,000 $6,147 3.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $580,000 $290,000 $0 4.12%
Selinsgrove, PA (FHA|USDA|VA) 2 $560,000 $280,000 $7,186 3.38%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $515,000 $515,000 $9,042 3.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $450,000 $225,000 $5,553 3.00%
Oil City, PA (FHA|USDA|VA) 3 $435,000 $145,000 $4,645 3.25%
Jackson, WY-ID (FHA|USDA|VA) 1 $435,000 $435,000 $3,625 2.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $395,000 $395,000 $6,422 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $365,000 $365,000 $10,595 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,681 2.75%
Lewisburg, PA (FHA|USDA|VA) 2 $340,000 $170,000 $5,301 3.50%
TULSA, OK (FHA|USDA|VA) 1 $335,000 $335,000 $5,152 3.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $325,000 $325,000 $6,444 3.88%
ROCHESTER, NY (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.38%
Salem, OH (FHA|USDA|VA) 2 $300,000 $150,000 $2,666 3.68%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $295,000 $295,000 $3,413 2.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $285,000 $285,000 $9,769 3.50%
Easton, MD (FHA|USDA|VA) 1 $285,000 $285,000 $3,403 4.50%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,235 4.25%
Ashtabula, OH (FHA|USDA|VA) 1 $275,000 $275,000 $5,041 3.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.49%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.99%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $255,000 $85,000 $3,441 3.13%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $225,000 $225,000 $8,862 4.00%
GETTYSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $5,142 2.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,619 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,313 3.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $195,000 $195,000 $7,985 2.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.88%
Marion, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,197 3.50%
TUCSON, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.00%
Huntingdon, PA (FHA|USDA|VA) 2 $160,000 $80,000 $2,662 2.81%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,758 3.38%
Danville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,157 2.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.44%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,127 4.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
Lock Haven, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
S&t Bank's top markets include Pittsburgh, Columbus, Philadelphia, Harrisburg, and Lancaster among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,397 $704,395,000 $293,865 $5,006 3.39%
    HELOC 2,100 $246,340,000 $117,305 n/a 3.26%

    For 2020, S&t Bank's most frequently originated type of loan was Conventional, with 2,397 originations. Their 2nd most popular type was HELOC, with 2,100 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,929 $406,855,000 $210,915 $4,801 3.18%
    Home Purchase 1,131 $359,585,000 $317,935 $4,861 3.60%
    Home Improvement 602 $55,460,000 $92,126 $1,634 3.32%
    Other 469 $52,595,000 $112,143 $4,467 3.34%
    Cash Out Refi 366 $76,240,000 $208,306 $6,114 3.28%

    For 2020, S&t Bank's most frequently cited loan purpose was Refi, with 1,929 originations. The 2nd most popular reason was Home Purchase, with 1,131 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,887 $277,165,000 $146,881 $6,500 3.29%
    30 Year 1,237 $267,735,000 $216,439 $5,332 3.38%
    20 Year 670 $140,880,000 $210,269 $4,548 3.51%
    15 Year 533 $101,315,000 $190,084 $4,308 3.03%
    10 Year 131 $147,215,000 $1,123,779 $4,466 3.41%
    30+ year 20 $8,510,000 $425,500 $6,225 4.27%
    5 Year 10 $890,000 $89,000 $250 4.44%
    3 Year 7 $6,255,000 $893,571 $0 3.93%
    1 Year 2 $770,000 $385,000 $0 5.33%

    For 2020, S&t Bank's most frequently cited loan duration was Other, with 1,887 originations. The 2nd most popular length was 30 Year, with 1,237 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 681 $127,885,000 $187,790
    $<1k 407 $76,675,000 $188,391
    $2k-3k 362 $77,700,000 $214,641
    $3k-4k 201 $49,345,000 $245,498
    $5k+ 163 $61,155,000 $375,184
    $4k-5k 106 $28,300,000 $266,981

    S&t Bank's average total fees were $5,332, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 681 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,315 $352,835,000 $152,413
    3-4% 1,280 $344,910,000 $269,461
    4-5% 642 $170,320,000 $265,296
    <2.5% 196 $73,790,000 $376,480
    5-6% 54 $8,400,000 $155,556
    6-7% 7 $275,000 $39,286
    Over 8% 3 $205,000 $68,333

    During 2020, S&t Bank's average interest rate for loans was 3.38%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,315 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,759 $102,735,000 $58,405 $3,143 3.42%
    $100k-200k 1,459 $205,605,000 $140,922 $4,269 3.28%
    $200k-400k 965 $260,305,000 $269,746 $5,969 3.20%
    $400k-600k 212 $97,960,000 $462,075 $7,933 3.38%
    $600k-1MM 53 $38,795,000 $731,981 $7,064 3.92%
    $1MM+ 49 $245,335,000 $5,006,837 $10,175 3.47%

    2020 saw S&t Bank place emphasis on $100,000 or less loans with 1,759 originations, totaling $102,735,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 969 $163,525,000 $168,756 $5,486 3.22%
    $50k-75k 782 $88,250,000 $112,852 $4,350 3.30%
    $75k-100k 668 $88,600,000 $132,635 $4,847 3.29%
    $150k-250k 641 $139,745,000 $218,011 $5,964 3.23%
    $50k or less 639 $53,945,000 $84,421 $3,753 3.34%
    $250k+ 357 $136,495,000 $382,339 $6,904 3.30%

    S&t Bank lent most frequently to those with incomes in the $100k-150k range, with 969 originations. The second most popular income band? $50k-75k, with 782 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,246 $193,200,000 $155,056 $4,840 3.22%
    <20% 818 $117,510,000 $143,655 $4,517 3.15%
    30-36% 672 $108,350,000 $161,235 $4,787 3.29%
    43% 123 $21,195,000 $172,317 $5,834 3.34%
    36% 123 $21,515,000 $174,919 $4,920 3.28%
    40% 122 $21,900,000 $179,508 $5,660 3.36%
    39% 122 $22,440,000 $183,934 $5,710 3.34%
    37% 111 $18,405,000 $165,811 $5,755 3.30%
    50-60% 107 $17,655,000 $165,000 $5,210 3.44%
    41% 104 $17,350,000 $166,827 $5,245 3.28%
    44% 100 $17,560,000 $175,600 $5,730 3.43%
    42% 94 $17,990,000 $191,383 $5,419 3.40%
    46% 86 $19,430,000 $225,930 $5,254 3.37%
    38% 81 $12,885,000 $159,074 $5,244 3.29%
    45% 68 $11,290,000 $166,029 $5,315 3.40%
    49% 59 $14,375,000 $243,644 $5,162 3.10%
    48% 56 $10,650,000 $190,179 $4,747 3.41%
    >60% 47 $14,225,000 $302,660 $5,928 3.46%
    47% 42 $8,150,000 $194,048 $5,673 3.31%

    S&t Bank lent most frequently to those with DTI ratios of 20-30%, with 1,246 originations. The next most common DTI ratio? <20%, with 818 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,923 $523,935,000 $179,246 $5,012 3.25%
    Not applicable 249 $248,985,000 $999,940 $0 4.23%
    Not provided 1,222 $155,480,000 $127,234 $4,637 3.33%
    Asian 61 $13,095,000 $214,672 $5,632 3.23%
    Black 31 $5,805,000 $187,258 $4,812 3.49%
    Asian Indian 5 $2,795,000 $559,000 $8,365 3.44%
    American Indian 5 $505,000 $101,000 $3,095 3.27%
    Vietnamese 1 $135,000 $135,000 $0 3.99%

    Approval Rates

    Total approvals of all applications
    87.42%

    S&t Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.01%

    S&t Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,497 $950,735,000 $211,415

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $4,480,000 $1,120,000
    Multifamily:Site-Built 98 $227,340,000 $2,319,796
    Single Family (1-4 Units):Manufactured 59 $4,815,000 $81,610
    Single Family (1-4 Units):Site-Built 4,336 $714,100,000 $164,691

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 757 $74,105,000 $97,893 $3,878 3.23%
    40-60% 701 $126,605,000 $180,606 $4,535 3.18%
    60-80% 1,537 $457,065,000 $297,375 $5,313 3.37%
    80-100% 1,041 $267,865,000 $257,315 $5,033 3.39%
    Over 100% 1 $405,000 $405,000 $0 5.00%
    Under 20% 457 $24,555,000 $53,731 $546 3.43%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    1ST FINANCIAL, INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    1ST FINANCIAL, INC. FHA mortgage Trouble during payment process 1 33.3%
    1ST FINANCIAL, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    S&t Bank 209 Allegheny Blvd Brookville, PA 15825 Full Service B&M $59,609
    S&t Bank 100 S 4th St Youngwood, PA 15697 Full Service B&M $50,368
    S&t Bank 100 S Chestnut St Derry, PA 15627 Full Service B&M $18,400
    S&t Bank 1030 N. Pottstown Pike Chester Springs, PA 19425 Full Service B&M $81,246
    S&t Bank 104 Culbertson Run Rd Downingtown, PA 19335 Full Service B&M $106,806
    S&t Bank 1077 Freeport Road Pittsburgh, PA 15238 Full Service B&M $60,362
    S&t Bank 1100 Logan Boulevard Altoona, PA 16602 Full Service B&M $93,670
    S&t Bank 111 Resort Plaza Drive Blairsville, PA 15717 Full Service B&M $159,327
    S&t Bank 1115 West Chester Pike West Chester, PA 19382 Full Service B&M $59,896
    S&t Bank 12262 Frankstown Road Pittsburgh, PA 15235 Full Service B&M $65,843
    S&t Bank 12550 Perry Highway Wexford, PA 15090 Full Service B&M $119,681
    S&t Bank 133 Philadelphia St Armagh, PA 15920 Full Service B&M $39,692
    S&t Bank 1516 Scalp Avenue Johnstown, PA 15904 Full Service B&M $21,088
    S&t Bank 1683 Oregon Pike Lancaster, PA 17601 Full Service B&M $181,610
    S&t Bank 1835 East Lincoln Highway Coatesville, PA 19320 Full Service B&M $45,132
    S&t Bank 2 North Church Street West Chester, PA 19380 Full Service B&M $99,502
    S&t Bank 2003 Lincoln Way White Oak, PA 15131 Full Service B&M $207,831
    S&t Bank 2032 Front Street Cuyahoga Falls, OH 44221 Full Service B&M $34,645
    S&t Bank 2055 Fruitville Pike Lancaster, PA 17601 Full Service B&M $70,319
    S&t Bank 215 East Cypress Street Kennett Square, PA 19348 Full Service B&M $41,493
    S&t Bank 2190 Hulton Road Verona, PA 15147 Full Service B&M $49,459
    S&t Bank 220 New Castle Road Butler, PA 16001 Full Service B&M $56,601
    S&t Bank 227 Butler Road Kittanning, PA 16201 Full Service B&M $44,853
    S&t Bank 232 Hampton Avenue Punxsutawney, PA 15767 Full Service B&M $220,596
    S&t Bank 2388 Route 286 Pittsburgh, PA 15239 Full Service B&M $183,876
    S&t Bank 2416 Philadelphia Street Indiana, PA 15701 Full Service Cyber Office $312
    S&t Bank 2455 Oakland Ave Indiana, PA 15701 Full Service B&M $134,648
    S&t Bank 256 Main Street Brookville, PA 15825 Full Service B&M $151,621
    S&t Bank 30 Towne Center Drive Leechburg, PA 15656 Full Service B&M $115,715
    S&t Bank 300 Oakland Rd. West Chester, PA 19382 Full Service B&M $51,183
    S&t Bank 301 Colonial Road Harrisburg, PA 17109 Full Service B&M $88,877
    S&t Bank 309 Main Street Irwin, PA 15642 Full Service B&M $164,517
    S&t Bank 310 Centerville Road Lancaster, PA 17601 Full Service B&M $136,246
    S&t Bank 3135 New Germany Rd Suite 45 Ebensburg, PA 15931 Full Service B&M $45,750
    S&t Bank 324 North Fourth Street Indiana, PA 15701 Full Service B&M $71,405
    S&t Bank 3345 Market Street Camp Hill, PA 17011 Full Service B&M $318,785
    S&t Bank 34 North Main Street Homer City, PA 15748 Full Service B&M $104,515
    S&t Bank 3402 Washington Road Mc Murray, PA 15317 Full Service B&M $151,560
    S&t Bank 3884 Route 30 E, Rr Box 98 Latrobe, PA 15650 Full Service B&M $33,427
    S&t Bank 3915 Chichester Avenue Boothwyn, PA 19061 Full Service B&M $23,691
    S&t Bank 4 Brandywine Avenue Downingtown, PA 19335 Full Service B&M $184,883
    S&t Bank 4021 Route 130 Irwin, PA 15642 Full Service B&M $154,617
    S&t Bank 410 Exton Square Parkway Exton, PA 19341 Full Service B&M $46,612
    S&t Bank 410 Main Street Clarion, PA 16214 Full Service B&M $109,149
    S&t Bank 418 Main Street Reynoldsville, PA 15851 Full Service B&M $30,256
    S&t Bank 4251 Old William Penn Highway Murrysville, PA 15668 Full Service B&M $136,360
    S&t Bank 4341 Ridge Avenue Philadelphia, PA 19129 Full Service B&M $84,148
    S&t Bank 4385 Old William Penn Highway Monroeville, PA 15146 Full Service B&M $72,459
    S&t Bank 440 Bridge Street New Cumberland, PA 17070 Full Service B&M $77,699
    S&t Bank 456 Main Street Brockway, PA 15824 Full Service B&M $88,149
    S&t Bank 4580 Broadway Blvd Monroeville, PA 15146 Full Service B&M $104,369
    S&t Bank 4599 Cemetery Road Hilliard, OH 43026 Full Service B&M $110,927
    S&t Bank 491 North Cleveland-Massillon Road Akron, OH 44333 Full Service B&M $129,469
    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 $66,220
    S&t Bank 602 Salt Street Saltsburg, PA 15681 Full Service B&M $75,893
    S&t Bank 6085 Allentown Boulevard Harrisburg, PA 17112 Full Service B&M $102,162
    S&t Bank 6137 Ridge Avenue Philadelphia, PA 19128 Full Service B&M $89,203
    S&t Bank 614 Liberty Boulevard Du Bois, PA 15801 Full Service B&M $160,043
    S&t Bank 628 Broad Street New Bethlehem, PA 16242 Full Service B&M $65,880
    S&t Bank 6306 Forbes Avenue Pittsburgh, PA 15217 Full Service B&M $78,862
    S&t Bank 701 East Lancaster Avenue Downingtown, PA 19335 Full Service B&M $62,554
    S&t Bank 701 East Pittsburgh Street Greensburg, PA 15601 Full Service B&M $196,790
    S&t Bank 701 Main Street Gallitzin, PA 16641 Full Service B&M $42,181
    S&t Bank 737 Main Street Portage, PA 15946 Full Service B&M $65,554
    S&t Bank 7660 Saltsburg Road Pittsburgh, PA 15239 Full Service B&M $189,631
    S&t Bank 800 Philadelphia Street Indiana, PA 15701 Full Service B&M $1,000,639
    S&t Bank 820 S Aiken Avenue Pittsburgh, PA 15232 Full Service B&M $42,476
    S&t Bank 85 Greensburg St Delmont, PA 15626 Full Service B&M $107,403
    S&t Bank 891 N. Pottstown Pike Exton, PA 19341 Full Service B&M $58,079
    S&t Bank 900 Commonwealth Drive Suite 100 Cranberry Township, PA 16066 Full Service B&M $32,279
    S&t Bank 9100 Covenant Avenue Pittsburgh, PA 15237 Full Service B&M $102,758
    S&t Bank 920 Fifth Avenue Ford City, PA 16226 Full Service B&M $82,270
    S&t Bank 9350 Route 30 Irwin, PA 15642 Full Service B&M $166,490

    For 2020, S&t Bank had 74 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $320,303
    Net interest income $280,923
    Total noninterest income $64,634
    Gross Fiduciary activities income $7,510
    Service charges on deposit accounts $10,891
    Trading account gains and fees $797
    Additional Noninterest Income $45,436
    Pre-tax net operating income $27,622
    Securities gains (or losses, -) $-28
    Income before extraordinary items $26,186
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $26,186
    Minority interest net income $0
    Net income $26,186
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $26,212

    S&t Bank's gross interest income from loans was $320,303,000.
    S&t Bank's net interest income from loans was $280,923,000.
    S&t Bank's fee based income from loans was $10,891,000.
    S&t Bank's net income from loans was $26,186,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $39,380
    Provision for credit losses $131,419
    Total noninterest expense $186,516
    Salaries and employee benefits $91,498
    Premises and equipment expense $25,801
    Additional noninterest expense $69,217
    Applicable income taxes $1,408
    Net charge-offs $103,379
    Cash dividends $53,714

    S&t Bank's interest expense for loans was $39,380,000.
    S&t Bank's payroll and benefits expense were $91,498,000.
    S&t Bank's property, plant and equipment expenses $25,801,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 3.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $7,427,123
    Deposits held in domestic offices $7,427,123
    Deposits by Individuals, partnerships, and corporations $6,886,284
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $537,217
    Deposits by Commercial banks and other depository institutions in U.S. $3,622
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $3,120,516
    Demand deposits $2,354,708
    Nontransaction accounts $4,306,607
    Money market deposit accounts (MMDAs) $1,949,636
    Other savings deposits (excluding MMDAs) $969,508
    Total time deposits $1,387,463
    Total time and savings deposits $5,072,415
    Noninterest-bearing deposits $2,258,052
    Interest-bearing deposits $5,169,071
    Retail deposits $7,029,210
    IRAs and Keogh plan accounts $209,377
    Brokered deposits $68,236
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,954,696
    Cash & Balances due from depository institutions $229,501
    Interest-bearing balances $158,744
    Total securities $770,629
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,126,776
    Loan and leases loss allowance $117,612
    Trading account assets $6,794
    Bank premises and fixed assets $101,859
    Other real estate owned $2,098
    Goodwill and other intangibles $387,075
    All other assets $329,964

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,954,696
    Total Liabilities $7,785,865
    Total deposits $7,427,123
    Interest-bearing deposits $5,169,071
    Deposits held in domestic offices $7,427,123
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $65,163
    Trading liabilities $0
    Other borrowed funds $98,681
    Subordinated debt $25,000
    All other liabilities $169,898

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,126,776
    Loan and leases loss allowance $117,612
    Total loans and leases (domestic) $7,244,388
    All real estate loans $5,208,379
    Real estate loans in domestic offices $5,208,379
    Construction and development loans $491,954
    Residential 1-4 family construction $68,757
    Other construction, all land development and other land $423,197
    Loans secured by nonfarm nonresidential properties $2,697,566
    Nonfarm nonresidential secured by owner-occupied properties $635,856
    Commercial real estate & other non-farm, non-residential $2,061,710
    Multifamily residential real estate $512,011
    1-4 family residential loans $1,471,451
    Farmland loans $35,397
    Loans held in foreign offices $0
    Farm loans $1,349
    Commercial and industrial loans $1,720,948
    To non-U.S. addressees $0
    Loans to individuals $80,915
    Credit card loans $0
    Related Plans $35,899
    Consumer Auto Loans $14,670
    Other loans to individuals $30,346
    All other loans & leases $232,796
    Loans to foreign governments and official institutions $0
    Other loans $4,068
    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 $17,218
    Non 1-4 family restructured loans & leases $11,879
    Total loans and leases (foreign) $0

    S&T Bank had $7,126,776,000 of loans outstanding in 2020. $5,208,379,000 of loans were in real estate loans. $491,954,000 of loans were in development loans. $512,011,000 of loans were in multifamily mortgage loans. $1,471,451,000 of loans were in 1-4 family mortgage loans. $1,349,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,670,000 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 2,131 $479,419 $224,974
    Nonfarm, nonresidential loans - <$100k 453 $17,582 $38,812
    Nonfarm, nonresidential loans - $100-250k 694 $82,677 $119,131
    Nonfarm, nonresidential loans - $250k-1MM 984 $379,160 $385,325
    Commercial & Industrial, US addressed loans - <$1MM 8,337 $597,593 $71,680
    Commercial & Industrial, US addressed loans - <$100k 5,837 $134,807 $23,095
    Commercial & Industrial, US addressed loans - $100-250k 1,220 $128,765 $105,545
    Commercial & Industrial, US addressed loans - $250k-1MM 1,280 $334,021 $260,954
    Farmland loans - <$1MM 74 $13,061 $176,500
    Farmland loans - <$100k 16 $792 $49,500
    Farmland loans - $100-250k 35 $5,432 $155,200
    Farmland loans - $250k-1MM 23 $6,837 $297,261
    Agriculture operations loans - <$1MM 19 $584 $30,737
    Agriculture operations loans - <$100k 16 $269 $16,813
    Agriculture operations loans - $100-250k 1 $104 $104,000
    Agriculture operations loans - $250k-1MM 2 $211 $105,500