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
Sali Bancorp. Third Quarter 2026 Earnings Supplement Oe
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, resul
Slide 3: Third Quarter Overview
es Third Quarter . J EARNINGS EPS Net Income Overview $1.09 $38.6 million HIGHLIGHTS RETURN — ROA ROE j 6 + Record EPS with growth of 6.9% from 2Q26 METRICS —1.55% 10.84% and 19.8% from 3Q25 ROTE* PPNR* * Strong earnings and return metrics 14.81% 2.01% * Solid NIM (FTE)* at 4.06% BALANCE Loan declin
Slide 4: Balance Sheet
ee) Balance Sheet - + Loans were relatively flat due to lower line utilization and originations 3Q26 vs 2Q26: + Deposits declined modestly primarily due to nali seasonality (150) (400) (50) 0 so. 100 150 ««3Q26 2026 Var + DDAremains strong at 28% of total deposits Cash & Int Bear Bal $192 $218 $ (26
Slide 5: Asset Quality
es Asset Quality J ASSET QUALITY TRENDS + ACLwas stable at 1.16% compared to June 30, 2026 Net Loan Charge-offs” + Netloan charge-offs of $2.1 million, or $20 ae 0.10% (annualized) of total loans $16 0.80% 2 g + NPAs decreased $3.7 million to $12 ee $36.5 million, or 0.45% of total loans plus « 0.40
Slide 6: Net Interest Income
Net Interest Income a + NIM (FTE)* expansion of 7 basis points to 99% 99% 4.06% 3.9 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 $93.1 $88.4 Total Cost of Funds a — 1.86% 1.
Slide 7: Noninterest Income
Noninterest Income r + Noninterest income consistent with 2Q26 $143 cena sacs ES Gain on Sale of Securities $— ($0.2) ss Debit and Credit Card 48 O14 - Service Charges 4.5 02 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 3Q25 4Q25 1Q26 2Q26 3Q26
Slide 8: Noninterest Expense
Noninterest r Expense $56.4 fag 957-2 $56.7 [ay 7 I $97.6 + Expenses were well-controlled driving a solid efficiency ratio* of 53.23% 3Q26 3026 vs2Q26 3Q26vs3Q25 Salaries & Benefits $32.7 — $0.5 @ 2% © 52%] Data Processing 5.1 (0.1) 0.1 Occupancy 4.0 (0.1) - FF&E 3.6 O21 0.4 Other Taxes 2.2 0.4 o1 P
Slide 9: Capital
Capital + TCE/TA increased from the prior quarter despite J TCE/TA* AOCl impact from interest-rate movements. Tangible Common Equity / Tangible Assets* + Noshare repurchases in 3Q26. ' . 11.65% * Repurchased 8.3% of outstanding shares since ° 11.46% 5 ; Bee 10.75% 10.85% share repurchases began in 4
Slide 10: Appendix: Definitions of GAAP to Non-GAAP Financial Measures
Ap p en d 1X. Definitions of GAAP to Non-GAAP Financial Measures 326 (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
Slide 11: Appendix: Definitions of GAAP to Non-GAAP Financial Measures
Ap p en d 1X. Definitions of GAAP to Non-GAAP Financial Measures (Dollars in thousands) Tangible Common Equity (TCE)/Tangible Assets (non-GAAP) Total shareholders’ equity Less: goodwill and other intangible assets, net of deferred tax liability ‘Tangible common equity (non-GAAP) Totalassets Less: go
Slide 12: Third Quarter 2026 Earnings Supplement
Sali Bancorp. Third Quarter 2026 Earnings Supplement ————ooOEOEOEOEO————ee——