S&t Bancorp, Inc. · NASDAQ:STBA
S&t Bancorp — Q3 2025 Earnings Presentation
12 slides from S&t Bancorp's earnings presentation, Oct 23, 2025
Slide 1: Third Quarter 2025 Earnings Supplement
Third Quarter 2025 Earnings Supplement
Slide 2: Forward Looking Statements and Risk Factors; Non-GAAP Financial Measures
Forward Looking Statements and Risk Factors Non-GAAP This information contains or incorporates statements that we believe are “forward-looking statements” within the meaning of the Private Securities Litigation Financial Measures Reform Act of 1995. Forward-looking statements generally relate to our
Slide 3: Third Quarter Overview
Third Quarter Overview EARNINGS EPS $0.91 Net Income $35.0 million RETURN ROA ROE HIGHLIGHTS 1.42% 9.48% METRICS • Strong earnings and return metrics ROTE* PPNR* 12.81% 1.89% • PPNR* increases 16 basis points to 1.89% • Net interest income growth of $2.6 million, BALANCE Loan growth Deposit growth o
Slide 4: Balance Sheet
Balance Sheet • Loan growth of $46.6 million 3Q25 vs 2Q25: (2.33% annualized) • Deposit balances stable (100) (50) 0 50 100 3Q25 2Q25 Var • DDA represents 28% of total deposits Cash & Int Bear Bal $ 196 $ 203 $ (7) Securities 3Q25 vs 2Q25 DEPOSIT CHANGES 1,001 1,021 (20) DECREASES/INCREASES Loans 7,
Slide 5: Asset Quality
Asset Quality ASSET QUALITY TRENDS • ACL decreased 1 basis point to 1.23% compared to 1.24% at June 30, 2025 Net Loan Charge-offs/(Recoveries) $8 0.80% • Net loan charge-offs of $2.4 million, or 0.12% of total loans $6 0.60% % of Average Loans • NPAs increased, but remain manageable at $4 0.40% 0.62
Slide 6: Net Interest Income
Net Interest Income • Net interest income growth of 3.93% $2.6 million, or 3.00%, compared to 2Q25 3.88% • NIM (FTE)* expansion of 5 basis points 3.82% 3.81% to 3.93% 3.77% • Total cost of funds down 3 basis points to 2.05% • Average DDA increased $50.0 million compared to 2Q25 $89.2 $84.5 $86.6 $83
Slide 7: Noninterest Income
Noninterest Income • Noninterest income consistent with 2Q $14.1 $13.7 $12.7 3Q25 3Q25 vs 2Q25 3Q25 vs 3Q24 Debit and Credit Card $4.7 $0.1 $— Service Charges 4.2 0.1 — Wealth Management 3.1 0.1 — Loss on Sale of Securities — — 2.2 Other 1.8 — (0.3) Noninterest Income $13.8 $0.3 $1.9 Dollars in mill
Slide 8: Noninterest Expense
Noninterest Expense • Salaries & benefits decrease mainly related to incentives and medical cost • Efficiency ratio (FTE)* improved 3Q25 3Q25 vs 2Q25 3Q25 vs 3Q24 Salaries & Benefits $32.2 ($0.7) $0.9 Data Processing 4.9 — (0.1) Occupancy 4.0 — 0.2 FF&E 3.2 (0.1) (0.2) Other Taxes 2.1 — 0.2 Marketin
Slide 9: Capital
Capital • We have strong capital levels and are well TCE / TA* positioned for growth • TCE / TA* higher from prior quarter due to lower AOCI and strong earnings 11.65% 11.16% 11.34% • $50 million share repurchase authorization 10.86% 10.82% in place 3Q24 4Q24 1Q25 2Q25 3Q25 Dollars in millions *Non-
Slide 10: Appendix: Definitions of GAAP to Non-GAAP Financial Measures
Appendix Definitions of GAAP to Non-GAAP Financial Measures 3Q25 (Dollars in thousands) Return on Average Tangible Shareholders' Equity (ROTE) (non-GAAP) Net income (annualized) $138,708 Plus: amortization of intangibles (annualized), net of tax 649 Net income before amortization of intangibles (ann
Slide 11: Appendix: Definitions of GAAP to Non-GAAP Financial Measures
Appendix Definitions of GAAP to Non-GAAP Financial Measures 3Q25 2Q25 1Q25 4Q24 3Q24 (Dollars in thousands) Tangible Common Equity (TCE)/Tangible Assets (non-GAAP) Total shareholders' equity $1,475,466 $1,445,493 $1,418,034 $1,380,294 $1,375,754 Less: goodwill and other intangible assets, net of def
Slide 12: Third Quarter 2025 Earnings Supplement
Third Quarter 2025 Earnings Supplement