S&T Bancorp Inc (NASDAQ: STBA) is a Pennsylvania-chartered bank holding company that provides consumer, commercial, and small business banking services through its primary subsidiary, S&T Bank. The company earns revenue through net interest income on loans and deposits, supplemented by fee-based income from wealth management, brokerage, trust, and insurance services. S&T Bank operates 72 branches across Pennsylvania and Ohio, headquartered in Indiana, Pennsylvania (as of December 31, 2025). Wealth Management assets under administration totaled $2.1 billion as of December 31, 2025, managed through a registered financial services entity. S&T Bank is regulated by the FDIC and the Pennsylvania Department of Banking and Securities, with deposits insured by the FDIC to the maximum extent provided by law. Active non-bank subsidiaries include S&T Insurance Group LLC, S&T Bancholdings Inc., and DN Acquisition Company Inc.

Revenue model

Net interest income from commercial and consumer loan origination and deposit-taking, plus fee income from wealth management, brokerage, trust services, and insurance.

Products and services

Time and demand deposits, commercial loans, consumer loans, small business banking, brokerage services, trust services (executor, trustee, guardian of employee benefits), private investment account management, insurance services.

Customers and end markets

Individual consumers, commercial businesses, small businesses, and institutional clients in Pennsylvania and Ohio. Wealth management serves individuals and institutions.

Value-chain role

Community bank and financial intermediary. Accepts deposits and originates loans; also provides fee-based wealth management and trust services.

Geographic exposure

Pennsylvania and Ohio, with 72 branches as of December 31, 2025. Headquartered in Indiana, Pennsylvania.

Source: SEC 10-K, filed 2026-02-27

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