S&t Bancorp, Inc. · NASDAQ:STBA
S&t Bancorp — Q2 2026 Earnings Presentation
12 slides from S&t Bancorp's earnings presentation, Jul 23, 2026
Slide 1: Second Quarter 2026 Earnings Supplement
Second Quarter 2026 Earnings Supplement
Slide 2: Forward Looking Statements and Risk Factors
Forward Looking Statements and Risk Factors This information contains or incorporates statements that we believe are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements generally relate to our financial condition, result
Slide 3: Second Quarter Overview
3 Second Quarter Overview RETURN METRICS EARNINGS Net Income $36.6 million EPS $1.02 ROA 1.49% ROE 10.37% ROTE* 14.15% PPNR* 1.89% ACL 1.16% NCO(1) 0.05% ASSET QUALITY NPA 0.50% NIM (FTE)* 3.99% Efficiency Ratio (FTE)* 55.52% BALANCE SHEET Loan growth $99.0 million 5.0% (annualized) Deposit decline
Slide 4: Balance Sheet
4 Balance Sheet Dollars in millions 2Q26 1Q26 Var $ 218 $ 339 $ (121) 1,013 1,010 3 8,058 7,959 99 8,086 8,185 (99) 275 150 125 (150) (100) (50) 0 50 100 150 Cash & Int Bear Bal Securities Loans Total Deposits Borrowings 2Q26 vs 1Q26: 2Q26 vs 1Q26 DEPOSIT CHANGES DECREASES/INCREASES • Loan growth of
Slide 5: Asset Quality
5 Asset Quality ACL Trend: Dollars in millions ASSET QUALITY TRENDS • ACL was stable at 1.16% compared to 1.17% at March 31, 2026 • Net loan charge-offs of only $1.0 million, or 0.05% (annualized) of total loans • NPAs decreased $9.7 million to $40.2 million, or 0.50% of total loans plus OREO % o f
Slide 6: Net Interest Income
6 Net Interest Income $86.6 $89.2 $91.0 $88.4 $90.4 3.88% 3.93% 3.99% 3.92% 3.99% NII NIM (FTE)* 2Q25 3Q25 4Q25 1Q26 2Q26 (0.03)% (0.11)% (0.08)% (0.04)% 2.08% 2.05% 1.94% 1.86% 1.82% Changes in Cost of Funds Cost of Funds 2Q25 3Q25 4Q25 1Q26 2Q26 Total Cost of Funds • Strong NIM (FTE)* at 3.99% • C
Slide 7: Noninterest Income
7 Noninterest Income Dollars in millions 2Q26 2Q26 vs 1Q26 2Q26 vs 2Q25 Debit and Credit Card $4.7 $0.4 $0.1 Service Charges 4.3 0.1 0.2 Investment Services and Trust 3.6 0.2 0.5 Gain on Sale of Securities 0.2 0.2 0.2 Other 2.1 0.4 0.4 Noninterest Income $14.9 $1.3 $1.4 • Customer activity higher af
Slide 8: Noninterest Expense
8 2Q26 2Q26 vs 1Q26 2Q26 vs 2Q25 Salaries & Benefits $32.7 $1.4 $(0.2) Data Processing 5.1 — 0.3 Occupancy 4.1 (0.5) 0.1 FF&E 3.5 — 0.2 Marketing 1.9 0.4 0.4 Other Taxes 1.8 (0.3) (0.3) Professional Services 1.3 — (0.5) FDIC 1.1 — — Other 7.2 1.0 0.6 Noninterest Expense $58.7 $2.0 $0.6 Noninterest E
Slide 9: Capital
9 Capital Dollars in millions *Non-GAAP financial measure. Refer to appendix for reconciliation of non-GAAP financial measures TCE / TA* 11.34% 11.65% 11.46% 11.03% 10.75% 2Q25 3Q25 4Q25 1Q26 2Q26 • Actively managing capital with 1.1 million shares repurchased for $47.6 million during the quarter an
Slide 10: Non-GAAP Reconciliation: ROTE and PPNR
2Q26 (Dollars in thousands) Return on Average Tangible Shareholders' Equity (ROTE) (non-GAAP) Net income (annualized) $146,975 Plus: amortization of intangibles (annualized), net of tax 577 Net income before amortization of intangibles (annualized) $147,552 Average total shareholders' equity $1,417,
Slide 11: Non-GAAP Reconciliation: TCE/TA and Efficiency Ratio
2Q26 1Q26 4Q25 3Q25 2Q25 (Dollars in thousands) Tangible Common Equity (TCE)/Tangible Assets (non-GAAP) Total shareholders' equity $1,403,815 $1,430,681 $1,463,877 $1,475,466 $1,445,493 Less: goodwill and other intangible assets, net of deferred tax liability (374,915) (375,059) (375,202) (375,359)
Slide 12: Second Quarter 2026 Earnings Supplement
Second Quarter 2026 Earnings Supplement