S&t Bancorp, Inc. · NASDAQ:STBA
S&t Bancorp — Q3 2026 Earnings Presentation
12 slides from S&t Bancorp's earnings presentation, Oct 22, 2026
Slide 1: Third Quarter 2026 Earnings Supplement
Third Quarter 2026 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 $1.09 Net Income $38.6 million HIGHLIGHTS RETURN ROA ROE METRICS 1.55% 10.84% • Record EPS with growth of 6.9% from 2Q26 and 19.8% from 3Q25 ROTE* PPNR* • Strong earnings and return metrics 14.81% 2.01% • Solid NIM (FTE)* at 4.06% BALANCE Loan decline Deposit decl
Slide 4: Balance Sheet
Balance Sheet • Loans were relatively flat due to lower line utilization and originations 3Q26 vs 2Q26: • Deposits declined modestly primarily due to seasonality 3Q26 2Q26 Var (150) (100) (50) 0 50 100 150 • DDA remains strong at 28% of total deposits Cash & Int Bear Bal $ 192 $ 218 $ (26) 3Q26 vs 2
Slide 5: Asset Quality
Asset Quality ASSET QUALITY TRENDS • ACL was stable at 1.16% compared to June 30, 2026 Net Loan Charge-offs(1) $20 1.00% • Net loan charge-offs of $2.1 million, or 0.10% (annualized) of total loans $16 0.80% % of Average Loans 0.60% • NPAs decreased $3.7 million to $12 $36.5 million, or 0.45% of tot
Slide 6: Net Interest Income
Net Interest Income • NIM (FTE)* expansion of 7 basis points to 4.06% 3.99% 3.99% 4.06% 3.93% 3.92% • Stable funding costs supported NIM expansion • Average loan balances up $61.2 million and average total deposit balances up $56.1 million compared to June 30, 2026 $91.0 $93.1 $89.2 $88.4 $90.4 Tota
Slide 7: Noninterest Income
Noninterest Income • Noninterest income consistent with 2Q26 3Q26 vs 3Q26 vs 3Q26 2Q26 3Q25 Gain on Sale of Securities $— ($0.2) $— Debit and Credit Card 4.8 0.1 — Service Charges 4.5 0.2 0.3 Investment Services and Trust 3.7 0.2 0.6 Other 1.7 (0.5) — Noninterest Income $14.7 ($0.2) $0.9 Dollars in
Slide 8: Noninterest Expense
Noninterest Expense • Expenses were well-controlled driving a solid efficiency ratio* of 53.23% 3Q26 3Q26 vs 2Q26 3Q26 vs 3Q25 Salaries & Benefits $32.7 $— $0.5 Data Processing 5.1 (0.1) 0.1 Occupancy 4.0 (0.1) — FF&E 3.6 0.1 0.4 Other Taxes 2.2 0.4 0.1 Professional Services 1.4 0.1 0.2 Marketing 1.
Slide 9: Capital
Capital • TCE/TA increased from the prior quarter despite TCE / TA* AOCI impact from interest-rate movements. Tangible Common Equity / Tangible Assets* • No share repurchases in 3Q26. 11.65% 11.46% • Repurchased 8.3% of outstanding shares since 11.03% 10.75% 10.85% share repurchases began in 4Q25. (
Slide 10: Appendix Definitions of GAAP to Non-GAAP Financial Measures
Appendix Definitions of GAAP to Non-GAAP Financial Measures 3Q26 (Dollars in thousands) Return on Average Tangible Shareholders' Equity (ROTE) (non-GAAP) Net income (annualized) $153,153 Plus: amortization of intangibles (annualized), net of tax 564 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 3Q26 2Q26 1Q26 4Q25 3Q25 (Dollars in thousands) Tangible Common Equity (TCE)/Tangible Assets (non-GAAP) Total shareholders' equity $1,407,334 $1,403,815 $1,430,681 $1,463,877 $1,475,466 Less: goodwill and other intangible assets, net of def
Slide 12: Third Quarter 2026 Earnings Supplement
Third Quarter 2026 Earnings Supplement