S&t Bank Mortgage Rates, Fees & Info
Indiana, PALEI: MCXHCL35UUWDZK7NCQ61
Tax ID: 25-0776600
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Review & Overview
S&t Bank is a small 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, Philadelphia, Harrisburg, Columbus, and Lancaster among others. We have data for 87 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% | 4/21/24 |
| 30 Year Conventional Purchase | 6.38% | 4/21/24 |
| 30 Year Conventional Refi | 6.27% | 4/21/24 |
| 30 Year Cash-out Refi | 6.03% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 6.42% | 4/21/24 |
| 15 Year Conventional Refi | 5.84% | 4/21/24 |
| 15 Year Cash-out Refi | 5.84% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,875Origination Dollar Volume (All Markets)
$1,083,745,000Employee count
1,160Awards
S&T Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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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) | 1,981 | $354,515,000 | $178,958 | $5,571 | 2.53% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 452 | $154,500,000 | $341,814 | $6,311 | 2.71% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 392 | $90,270,000 | $230,281 | $5,942 | 2.98% |
| COLUMBUS, OH (FHA|USDA|VA) | 37 | $84,965,000 | $2,296,351 | $7,139 | 3.03% |
| LANCASTER, PA (FHA|USDA|VA) | 178 | $61,190,000 | $343,764 | $6,081 | 2.94% |
| Outside of Metro Areas | 383 | $43,105,000 | $112,546 | $4,345 | 2.46% |
| Indiana, PA (FHA|USDA|VA) | 403 | $40,715,000 | $101,030 | $4,440 | 2.49% |
| DuBois, PA (FHA|USDA|VA) | 185 | $24,275,000 | $131,216 | $4,276 | 2.48% |
| LEBANON, PA (FHA|USDA|VA) | 23 | $20,095,000 | $873,696 | $5,736 | 3.06% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 196 | $19,020,000 | $97,041 | $4,368 | 2.41% |
| AKRON, OH (FHA|USDA|VA) | 77 | $17,435,000 | $226,429 | $4,958 | 3.20% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 78 | $16,440,000 | $210,769 | $5,873 | 3.00% |
| ALTOONA, PA (FHA|USDA|VA) | 124 | $15,520,000 | $125,161 | $4,963 | 2.72% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 43 | $11,845,000 | $275,465 | $6,209 | 3.17% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $11,380,000 | $5,690,000 | $0 | 3.25% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 16 | $11,310,000 | $706,875 | $10,739 | 2.58% |
| READING, PA (FHA|USDA|VA) | 34 | $9,280,000 | $272,941 | $6,926 | 2.80% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 16 | $7,810,000 | $488,125 | $5,262 | 3.11% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $7,225,000 | $1,032,143 | $4,756 | 2.94% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 11 | $6,795,000 | $617,727 | $6,676 | 2.81% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $6,040,000 | $431,429 | $6,036 | 2.47% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $5,320,000 | $886,667 | $8,689 | 3.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 18 | $5,090,000 | $282,778 | $7,279 | 3.02% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 12 | $5,030,000 | $419,167 | $9,492 | 2.78% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $4,445,000 | $1,481,667 | $10,605 | 3.25% |
| New Castle, PA (FHA|USDA|VA) | 15 | $2,985,000 | $199,000 | $385 | 3.43% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $2,720,000 | $1,360,000 | $13,991 | 2.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $2,615,000 | $871,667 | $8,466 | 3.50% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 9 | $2,535,000 | $281,667 | $5,599 | 2.91% |
| Somerset, PA (FHA|USDA|VA) | 16 | $2,340,000 | $146,250 | $4,735 | 2.85% |
| St. Marys, PA (FHA|USDA|VA) | 16 | $2,070,000 | $129,375 | $4,717 | 3.02% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $0 | 3.84% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $5,413 | 3.30% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $1,620,000 | $810,000 | $0 | 3.23% |
| Sandusky, OH (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $5,194 | 3.58% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $6,458 | 3.62% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $5,690 | 3.33% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $5,211 | 3.19% |
| GETTYSBURG, PA (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $4,972 | 2.61% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,345,000 | $1,345,000 | $8,906 | 3.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $4,472 | 3.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $0 | 2.99% |
| ERIE, PA (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $20,726 | 3.07% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $4,882 | 3.06% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $0 | 2.99% |
| Oil City, PA (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $3,526 | 2.66% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $5,486 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $6,933 | 3.31% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $5,649 | 3.27% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 3.63% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,622 | 3.31% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $518 | 2.99% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,838 | 3.38% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.99% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,311 | 2.94% |
| Huntingdon, PA (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $4,739 | 3.12% |
| Meadville, PA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,043 | 2.33% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 2.99% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,825 | 2.56% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,025 | 3.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 3.12% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,303 | 3.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,129 | 3.63% |
| Wooster, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,868 | 3.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.99% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 3.44% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 2.99% |
| Ashland, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,988 | 3.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,936 | 3.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.20% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 2.99% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,604 | 2.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.75% |
| DOVER, DE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.38% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.99% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,548 | 3.88% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,655 | 4.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.99% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.99% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.99% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,710 | 3.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,107 | 2.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,562 | 3.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.74% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.99% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 2,521 | $324,605,000 | $128,760 | n/a | 2.14% |
| Conventional | 2,354 | $759,140,000 | $322,489 | $5,405 | 3.19% |
For 2021, S&t Bank's most frequently originated type of loan was HELOC, with 2,521 originations. Their 2nd most popular type was Conventional, with 2,354 originations.
Loan Reason
For 2021, S&t Bank's most frequently cited loan purpose was Refi, with 1,959 originations. The 2nd most popular reason was Home Purchase, with 1,141 originations.
Loan Duration/Length
For 2021, S&t Bank's most frequently cited loan duration was Other, with 2,276 originations. The 2nd most popular length was 20 Year, with 838 originations.
Origination Fees/Closing Costs
S&t Bank's average total fees were $6,034, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 542 originations.
Interest Rates
During 2021, S&t Bank's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,999 originations.
Loan Sizing
2021 saw S&t Bank place emphasis on $100,000 or less loans with 1,904 originations, totaling $112,100,000 in origination value.
Applicant Income
S&t Bank lent most frequently to those with incomes in the $100k-150k range, with 951 originations. The second most popular income band? $50k-75k, with 913 originations.
Applicant Debt to Income Ratio
S&t Bank lent most frequently to those with DTI ratios of 20-30%, with 1,163 originations. The next most common DTI ratio? <20%, with 902 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.78%
S&t Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.96%
S&t Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,875 | $1,083,745,000 | $222,307 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,875 | $1,083,745,000 | $222,307 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| SOUTHPOINT FINANCIAL SERVICES, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 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 | $53,927 |
| S&t Bank | 100 S Chestnut St Derry, PA 15627 | Full Service B&M | $18,718 |
| S&t Bank | 1030 N. Pottstown Pike Chester Springs, PA 19425 | Full Service B&M | $88,175 |
| S&t Bank | 104 Culbertson Run Rd Downingtown, PA 19335 | Full Service B&M | $107,619 |
| S&t Bank | 1077 Freeport Road Pittsburgh, PA 15238 | Full Service B&M | $54,360 |
| S&t Bank | 1100 Logan Boulevard Altoona, PA 16602 | Full Service B&M | $123,665 |
| S&t Bank | 111 Resort Plaza Drive Blairsville, PA 15717 | Full Service B&M | $175,847 |
| S&t Bank | 1115 West Chester Pike West Chester, PA 19382 | Full Service B&M | $52,313 |
| S&t Bank | 12262 Frankstown Road Pittsburgh, PA 15235 | Full Service B&M | $72,174 |
| S&t Bank | 12550 Perry Highway Wexford, PA 15090 | Full Service B&M | $116,780 |
| S&t Bank | 133 Philadelphia St Armagh, PA 15920 | Full Service B&M | $40,771 |
| S&t Bank | 1349 Wilmington Pike West Chester, PA 19382 | Full Service B&M | $54,873 |
| S&t Bank | 1516 Scalp Avenue Johnstown, PA 15904 | Full Service B&M | $18,467 |
| S&t Bank | 1683 Oregon Pike Lancaster, PA 17601 | Full Service B&M | $197,809 |
| S&t Bank | 1835 East Lincoln Highway Coatesville, PA 19320 | Full Service B&M | $49,458 |
| S&t Bank | 2 North Church Street West Chester, PA 19380 | Full Service B&M | $147,104 |
| S&t Bank | 2003 Lincoln Way White Oak, PA 15131 | Full Service B&M | $195,618 |
| S&t Bank | 2032 Front Street Cuyahoga Falls, OH 44221 | Full Service B&M | $28,147 |
| S&t Bank | 2055 Fruitville Pike Lancaster, PA 17601 | Full Service B&M | $66,951 |
| S&t Bank | 209 Allegheny Blvd Brookville, PA 15825 | Full Service B&M | $64,135 |
| S&t Bank | 215 East Cypress Street Kennett Square, PA 19348 | Full Service B&M | $42,184 |
| S&t Bank | 2190 Hulton Road Verona, PA 15147 | Full Service B&M | $54,664 |
| S&t Bank | 220 New Castle Road Butler, PA 16001 | Full Service B&M | $46,120 |
| S&t Bank | 227 Butler Road Kittanning, PA 16201 | Full Service B&M | $43,022 |
| S&t Bank | 232 Hampton Avenue Punxsutawney, PA 15767 | Full Service B&M | $227,915 |
| S&t Bank | 2388 Route 286 Pittsburgh, PA 15239 | Full Service B&M | $194,204 |
| S&t Bank | 2416 Philadelphia Street Indiana, PA 15701 | Full Service Cyber Office | $627 |
| S&t Bank | 2455 Oakland Ave Indiana, PA 15701 | Full Service B&M | $162,135 |
| S&t Bank | 256 Main Street Brookville, PA 15825 | Full Service B&M | $157,097 |
| S&t Bank | 30 Towne Center Drive Leechburg, PA 15656 | Full Service B&M | $118,207 |
| S&t Bank | 301 Colonial Road Harrisburg, PA 17109 | Full Service B&M | $81,968 |
| S&t Bank | 309 Main Street Irwin, PA 15642 | Full Service B&M | $166,918 |
| S&t Bank | 310 Centerville Road Lancaster, PA 17601 | Full Service B&M | $133,965 |
| S&t Bank | 3135 New Germany Rd Suite 45 Ebensburg, PA 15931 | Full Service B&M | $51,204 |
| S&t Bank | 324 N 4th St Indiana, PA 15701 | Limited, Drive-thru | $0 |
| S&t Bank | 3345 Market Street Camp Hill, PA 17011 | Full Service B&M | $357,308 |
| S&t Bank | 34 North Main Street Homer City, PA 15748 | Full Service B&M | $112,220 |
| S&t Bank | 3402 Washington Road Mc Murray, PA 15317 | Full Service B&M | $163,115 |
| S&t Bank | 3884 Route 30 E, Rr Box 98 Latrobe, PA 15650 | Full Service B&M | $39,810 |
| S&t Bank | 3915 Chichester Avenue Boothwyn, PA 19061 | Full Service B&M | $17,711 |
| S&t Bank | 4 Brandywine Avenue Downingtown, PA 19335 | Full Service B&M | $200,286 |
| S&t Bank | 4021 Route 130 Irwin, PA 15642 | Full Service B&M | $169,156 |
| S&t Bank | 410 Exton Square Parkway Exton, PA 19341 | Full Service B&M | $40,340 |
| S&t Bank | 410 Main Street Clarion, PA 16214 | Full Service B&M | $111,712 |
| S&t Bank | 418 Main Street Reynoldsville, PA 15851 | Full Service B&M | $32,185 |
| S&t Bank | 4251 Old William Penn Highway Murrysville, PA 15668 | Full Service B&M | $148,826 |
| S&t Bank | 4341 Ridge Avenue Philadelphia, PA 19129 | Full Service B&M | $77,972 |
| S&t Bank | 4385 Old William Penn Highway Monroeville, PA 15146 | Full Service B&M | $82,583 |
| S&t Bank | 440 Bridge Street New Cumberland, PA 17070 | Full Service B&M | $75,845 |
| S&t Bank | 456 Main Street Brockway, PA 15824 | Full Service B&M | $117,162 |
| S&t Bank | 4580 Broadway Blvd Monroeville, PA 15146 | Full Service B&M | $117,245 |
| S&t Bank | 4599 Cemetery Road Hilliard, OH 43026 | Full Service B&M | $139,534 |
| S&t Bank | 491 North Cleveland-Massillon Road Akron, OH 44333 | Full Service B&M | $133,715 |
| S&t Bank | 539 West Mahoning Street Punxsutawney, PA 15767 | Limited, Drive-thru | $0 |
| S&t Bank | 602 Salt Street Saltsburg, PA 15681 | Full Service B&M | $76,886 |
| S&t Bank | 6085 Allentown Boulevard Harrisburg, PA 17112 | Full Service B&M | $94,886 |
| S&t Bank | 6137 Ridge Avenue Philadelphia, PA 19128 | Full Service B&M | $84,191 |
| S&t Bank | 614 Liberty Boulevard Du Bois, PA 15801 | Full Service B&M | $234,115 |
| S&t Bank | 628 Broad Street New Bethlehem, PA 16242 | Full Service B&M | $72,060 |
| S&t Bank | 6306 Forbes Avenue Pittsburgh, PA 15217 | Full Service B&M | $80,898 |
| S&t Bank | 701 East Lancaster Avenue Downingtown, PA 19335 | Full Service B&M | $57,072 |
| S&t Bank | 701 East Pittsburgh Street Greensburg, PA 15601 | Full Service B&M | $240,695 |
| S&t Bank | 701 Main Street Gallitzin, PA 16641 | Full Service B&M | $42,122 |
| S&t Bank | 737 Main Street Portage, PA 15946 | Full Service B&M | $69,381 |
| S&t Bank | 7660 Saltsburg Road Pittsburgh, PA 15239 | Full Service B&M | $209,963 |
| S&t Bank | 800 Philadelphia Street Indiana, PA 15701 | Full Service B&M | $788,315 |
| S&t Bank | 820 S Aiken Avenue Pittsburgh, PA 15232 | Full Service B&M | $54,967 |
| S&t Bank | 85 Greensburg St Delmont, PA 15626 | Full Service B&M | $109,522 |
| S&t Bank | 891 N. Pottstown Pike Exton, PA 19341 | Full Service B&M | $53,952 |
| S&t Bank | 900 Commonwealth Drive Suite 100 Cranberry Township, PA 16066 | Full Service B&M | $29,665 |
| S&t Bank | 9100 Covenant Avenue Pittsburgh, PA 15237 | Full Service B&M | $108,043 |
| S&t Bank | 920 Fifth Avenue Ford City, PA 16226 | Full Service B&M | $92,274 |
| S&t Bank | 9350 Route 30 Irwin, PA 15642 | Full Service B&M | $185,553 |
For 2021, S&t Bank had 73 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $289,153 |
| Net interest income | $277,401 |
| Total noninterest income | $67,921 |
| Gross Fiduciary activities income | $8,732 |
| Service charges on deposit accounts | $14,114 |
| Trading account gains and fees | $1,334 |
| Additional Noninterest Income | $43,741 |
| Pre-tax net operating income | $140,769 |
| Securities gains (or losses, -) | $14 |
| Income before extraordinary items | $114,359 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $114,359 |
| Minority interest net income | $0 |
| Net income | $114,359 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $114,347 |
S&t Bank's gross interest income from loans was $289,153,000.
S&t Bank's net interest income from loans was $277,401,000.
S&t Bank's fee based income from loans was $14,114,000.
S&t Bank's net income from loans was $114,359,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $11,752 |
| Provision for credit losses | $16,215 |
| Total noninterest expense | $188,338 |
| Salaries and employee benefits | $100,212 |
| Premises and equipment expense | $25,199 |
| Additional noninterest expense | $62,927 |
| Applicable income taxes | $26,424 |
| Net charge-offs | $34,530 |
| Cash dividends | $57,334 |
S&t Bank's interest expense for loans was $11,752,000.
S&t Bank's payroll and benefits expense were $100,212,000.
S&t Bank's property, plant and equipment expenses $25,199,000.
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 | $8,007,293 |
| Deposits held in domestic offices | $8,007,293 |
| Deposits by Individuals, partnerships, and corporations | $7,370,946 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $629,218 |
| Deposits by Commercial banks and other depository institutions in U.S. | $7,129 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $3,682,975 |
| Demand deposits | $2,779,309 |
| Nontransaction accounts | $4,324,318 |
| Money market deposit accounts (MMDAs) | $2,126,093 |
| Other savings deposits (excluding MMDAs) | $1,110,155 |
| Total time deposits | $1,088,071 |
| Total time and savings deposits | $5,227,984 |
| Noninterest-bearing deposits | $2,704,231 |
| Interest-bearing deposits | $5,303,063 |
| Retail deposits | $7,758,892 |
| IRAs and Keogh plan accounts | $190,639 |
| Brokered deposits | $5,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $9,478,352 |
| Cash & Balances due from depository institutions | $921,733 |
| Interest-bearing balances | $856,716 |
| Total securities | $909,902 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $6,902,936 |
| Loan and leases loss allowance | $98,576 |
| Trading account assets | $10,230 |
| Bank premises and fixed assets | $95,971 |
| Other real estate owned | $13,313 |
| Goodwill and other intangibles | $387,996 |
| All other assets | $236,271 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $9,478,352 |
| Total Liabilities | $8,268,556 |
| Total deposits | $8,007,293 |
| Interest-bearing deposits | $5,303,063 |
| Deposits held in domestic offices | $8,007,293 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $84,491 |
| Trading liabilities | $0 |
| Other borrowed funds | $22,430 |
| Subordinated debt | $25,000 |
| All other liabilities | $129,342 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $6,902,936 |
| Loan and leases loss allowance | $98,576 |
| Total loans and leases (domestic) | $7,001,512 |
| All real estate loans | $5,164,615 |
| Real estate loans in domestic offices | $5,164,615 |
| Construction and development loans | $462,265 |
| Residential 1-4 family construction | $76,117 |
| Other construction, all land development and other land | $386,148 |
| Loans secured by nonfarm nonresidential properties | $2,676,025 |
| Nonfarm nonresidential secured by owner-occupied properties | $577,448 |
| Commercial real estate & other non-farm, non-residential | $2,098,577 |
| Multifamily residential real estate | $529,125 |
| 1-4 family residential loans | $1,465,697 |
| Farmland loans | $31,503 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,625 |
| Commercial and industrial loans | $1,504,653 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $107,928 |
| Credit card loans | $0 |
| Related Plans | $66,120 |
| Consumer Auto Loans | $12,911 |
| Other loans to individuals | $28,897 |
| All other loans & leases | $222,691 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $40,036 |
| 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 | $9,736 |
| Non 1-4 family restructured loans & leases | $3,799 |
| Total loans and leases (foreign) | $0 |
S&T Bank had $6,902,936,000 of loans outstanding in 2021. $5,164,615,000 of loans were in real estate loans. $462,265,000 of loans were in development loans. $529,125,000 of loans were in multifamily mortgage loans. $1,465,697,000 of loans were in 1-4 family mortgage loans. $1,625,000 of loans were in farm loans. $0 of loans were in credit card loans. $12,911,000 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 | 2,002 | $448,829 | $224,190 |
| Nonfarm, nonresidential loans - <$100k | 402 | $14,468 | $35,990 |
| Nonfarm, nonresidential loans - $100-250k | 648 | $73,900 | $114,043 |
| Nonfarm, nonresidential loans - $250k-1MM | 952 | $360,461 | $378,636 |
| Commercial & Industrial, US addressed loans - <$1MM | 6,004 | $352,910 | $58,779 |
| Commercial & Industrial, US addressed loans - <$100k | 4,150 | $72,751 | $17,530 |
| Commercial & Industrial, US addressed loans - $100-250k | 842 | $71,591 | $85,025 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,012 | $208,568 | $206,095 |
| Farmland loans - <$1MM | 80 | $19,537 | $244,213 |
| Farmland loans - <$100k | 17 | $855 | $50,294 |
| Farmland loans - $100-250k | 31 | $4,568 | $147,355 |
| Farmland loans - $250k-1MM | 32 | $14,114 | $441,063 |
| Agriculture operations loans - <$1MM | 17 | $699 | $41,118 |
| Agriculture operations loans - <$100k | 14 | $210 | $15,000 |
| Agriculture operations loans - $100-250k | 1 | $106 | $106,000 |
| Agriculture operations loans - $250k-1MM | 2 | $383 | $191,500 |