# S&T BANK
INDIANA, PA · FDIC certificate 11124 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $9.94B | |
| Deposits | $8.13B | |
| Loans and leases | $8.06B | |
| Total equity | $1.37B | |
| Loans / deposits | 98.07% (p81 of band) | 87.10% |
| Liquid assets / assets | 12.36% (p11 of band) | |
| Uninsured deposits / deposits | 35.78% (p64 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.27% (p31 of band) | |
| FHLB advances / assets | 2.26% | |
| Tier 1 leverage | 11.02% (p61 of band) | 10.50% |
| Unrealized securities loss / equity | -3.35% (p73 of band) | -7.75% |
| AOCI / equity | -0.56% (p32 of band) | |
| ROA (annualized) | 1.47% (p68 of band) | 1.26% |
| Net interest margin | 3.95% (p65 of band) | 3.70% |
| Efficiency ratio | 54.97% (p38 of band) | |
| Noncurrent loans | 0.50% (p49 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p64 of band) | |
| Reserve coverage of noncurrent | 232.05% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 36.44% (p38 of band) | |
| Auto loans | $8.8M (0.11% of loans; DQ 0.89%, NCO 0.00%) | |
| Loans to nondepository financials | $198.0M (14% of equity) (p90 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 1191 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2016-06 | 2 | capital falling | reserve under noncurrent |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 | charge-offs p90 | capital falling |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2018-09 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 3 | capital falling, losing money | loans exceed deposits |
| 2020-09 | 1 |  | capital falling, losing money |
| 2020-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | deposits shrinking |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 1 |  | assets shrinking |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | loans exceed deposits |  |
| 2026-03 | 0 |  | loans exceed deposits |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-28 [S&T Bank Channels Draft Week Excitement Into $50K Donation for Veterans - VISTA.Today](https://news.google.com/rss/articles/CBMikgFBVV95cUxNd0dNQWE2M1pFcFB0ZHMzM3RkV0g3T0c2Nm5BdklIT3drQjJKczhIUzFFaDFPWk90R09OMlp2a1EzRUIxc0h0WXNhMmhRcmFXRkkzZnJxdmF0cFJPbTIwZ3Vkemg5Qk1FZEZTUGVuQnpyNW1TaTNOUWlVc3AtUWQ3bmVoYTZKRHFwQ2dteWJ1ZlZ6QQ?oc=5) · VISTA.Today
- 2026-03-09 [Bank with 72 locations in Pa. and Ohio launches branch refresh initiative - PennLive.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQNElPWUxIbXlSem5CWXNmMTl3V2t6U2xsRWdKcHRmSWJWRnB1QV9CdGNVcEIzajZZenc1dlZvQmkta0U0RzN6V3JrS1lLWDA1YVgzQ0dZRVJGQjNiRGZKWjQ3d1psUVlZbGhtT1lBaHEtZHgwS0tvcVYtcmxBUVlLX19OVUVKTnZHUjkzaDNjVEpwRzl4NUdqMUNVdFVJaFBxUTlab3lFWENKWlZhSWNiQmVYblNqa2hkaXpR?oc=5) · PennLive.com
- 2026-05-28 [S&T Bank is fighting childhood cancer ‘one cup at a time’ - pottsmerc.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPd3dxYlAzT0Y1QnNtVHFzbGNlNmR4QTJNb0NLVkxfUGRXVVVScmdhVURxdGJ3SVBOOTlVYjZFWklPaGF5cXZxUW4tU05TUVV6bFJtbG5XNnM2YlV0eGRuSE03Ykd4OS1NMXRMZm5jUUEwSk5oU2Y5d2xUMGt6dlZUTHRYaXprMGJfQUtlRzVHTTBiOHFSTUp6aTBB?oc=5) · pottsmerc.com
- 2026-06-18 [S&T BANK RAISES RECORD $120,000 FOR CHILDHOOD CANCER RESEARCH - Nasdaq](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYmpfUlloLWhNVFhVWlVNeEZTUWRrbVJBUU8wWkVobVRsS0hsd1FIcE02NE5tUEVaRnhIOTJ2NzdrVE9KQTgtTkF1OUR5ZE91bFVjdW8ySEN2aWpBLW14bk1CaU9lY1pTM1FCUDRPZWNYODBBRERWOXg2eGFrYlhaRmkxZkFoR3E5SmNQa0g0cmZaWWhzOUUtNEhNb3NINGEzcko5aA?oc=5) · Nasdaq
- 2026-02-07 [S&T Bank to open Pittsburgh branch, office space - Pennsylvania Business Report -](https://news.google.com/rss/articles/CBMijAFBVV95cUxOTzdUTGZjZDd6enQ1LWpKRmhDQVRoYm5YaWtILWNybHBPYkxTcllGcFlYVlUzbFFFcHA5a2pXNk1rUHRFZHdodkdDVnZBNHpKeWZsS1NxU2otbnhrbWNNaXU4cU9YNGkxeGZvSTY0NUFOWnB1cmdHby1HUW5BRExvbk0yeXZxUU9VcnBQbA?oc=5) · Pennsylvania Business Report -
- 2025-09-22 [S&T Bank celebrates 123 years of community-focused banking in Indiana County - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQOGR4dVVhV0VGT3EtQkFoZ0p6ZWVCRkc1aXdUVnQ3b2RLMDZzUDdSVmZhZVZOSjI3eGZnT2s3djI5S1lPdjgweENJa3NwbW5EaVduWk5ZbTN2VlU3ZjF2UGl6YzdkdlFXUk5EakxLRVljQ0dQWVpGUFRJYmVCSm5hOXF6Rm1nZl9NZUJaUFZZelV3YmpEbnNkeVByc0RuaF9nWnNaU25KOGNCczhW?oc=5) · The Business Journals
- 2026-05-21 [S&T Bank Supports Alex's Lemonade Stand Foundation for the Fourth Consecutive Year, Fighting Childhood Cancer One Cup at a Time - VISTA.Today](https://news.google.com/rss/articles/CBMifkFVX3lxTFAtbk1GNDBSaGVnVlBFX09TYUdfSnNBaXlWM01rMkc0ajVzcl9WTDg1RGhvLXVuWHBNcXhwT1hrVTdXSnhLVW5iNEE2ZXUwVmZFVXJjUHctNV9CbGlBMENVakt4TEhUdmpsTFVYTmZkSjUtNjNHcS1paFhFZV9tZw?oc=5) · VISTA.Today
- 2026-08-05 [S&T Bancorp, Inc. Declares Dividend - PR Newswire](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTEdxNkdYMlM2Zmt1cG1zczluOG9YWC1qTHEtdUhLYmRRVUp3dGRwdERKNHBRV1lIeVBFMlJQaGpKZ3RsQzJseVJVemtLSUJ5c0NEbFBldDUtY2YxZDhrQ0xka1JEOUJLTy10RWZGcUtLVzZSOXliSTh5MUdGR0hsbG0zWThqSHJEZkNCWXBCZmViUQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11124 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "11124", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide