S&T Bancorp Inc
stbancorp.comWhat Do They Do?
Provides consumer, commercial and small-business banking, brokerage and trust services to individuals, businesses and institutions.
10-K for FY2025, filed Feb 27, 2026Through S&T Bank and our non-bank subsidiaries, we offer consumer, commercial and small business banking services, which include accepting…View ↗
How Do They Make Money?
Commercial and personal banking customers pay monthly account charges and fees tied to account activity; card fees arise when transactions are processed, and ATM fees are based on ATM use. Wealth-management revenue comes from services provided over time or at the time of service.
10-K for FY2025, filed Feb 27, 2026Service charges on deposit accounts - We recognize monthly service charges for both commercial and personal banking customers based on…View ↗
Debit and credit card services - Interchange fees are earned whenever debit and credit cards are processed through third-party card payment…View ↗
We earn revenue from contracts with our customers when we have completed our performance obligations and recognize that revenue when…View ↗
Years ended December 31, (dollars in thousands) 2025 2024 2023 Revenue Streams(1) Point of Revenue Recognition Service charges on deposit…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Revenues from contract with customers) ↗
$516.5M
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10-K for FY2025, filed Feb 27, 2026
$516.5M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Debit and credit card
Usage-based
10-K for FY2025, filed Feb 27, 2026 |
39%
FY2022: 39%
|
Debit and credit card, FY2025
$18.3M Sources
|
Usage-based |
|
Service charges on deposit accounts
|
35%
FY2022: 35%
|
Service charges on deposit accounts, FY2025
$16.4M Sources
|
|
|
Wealth management
|
26%
FY2022: 26%
|
Wealth management, FY2025
$12.4M Sources
|
Who Are Their Customers?
Individuals and small and medium-sized businesses use consumer, commercial and small-business banking; individuals and institutions also use brokerage, trust and private-investment services. S&T Bank operates branches in Pennsylvania and Ohio.
10-K for FY2025, filed Feb 27, 2026S&T Bank is a full-service Pennsylvania chartered bank that is headquartered in Indiana, Pennsylvania. S&T Bank operates in Pennsylvania…View ↗
Through S&T Bank and our non-bank subsidiaries, we offer consumer, commercial and small business banking services, which include accepting…View ↗
Our customers are primarily in Pennsylvania and the contiguous states of Ohio, New York, West Virginia, New Jersey, Delaware and Maryland.…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 26 cents of every revenue dollar as net income in FY2025 and turned 25 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 79% in 4 years, from $289.3M in FY2021 to $516.5M in FY2025, about 16% a year.
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