S&t Bancorp, Inc. · NASDAQ:STBA

S&t Bancorp — Investor Presentation (December 2012)

15 slides from S&t Bancorp's investor presentation, Dec 6, 2012

1. Slide 1: Exhibit 99.1

   Exhibit 99.1

2. Slide 2: Todd Brice, President and Chief Executive Officer

   Todd Brice President and Chief Executive Officer

3. Slide 3: S&T Bancorp, Inc

   SDBancorp, Inc Headquartered in Indiana, PA $4.4 Billion in Assets (as of 09.30.12) Institutional Ownership: 39% Insider Ownership: 3% $505 Million Market Cap. (as of 1.30.12) Stock Price: $16.97 (as of 11.30.12) Preburah + t+ ¢ + HH Bank holding company with 59 branches and 5 insurance locations %

4. Slide 4: Western PA Bank Holding Companies

   Assets ROA ROE FNB Corporation $12.0 0.93% 7.93% Northwest Bancshares 8.1 0.78 5.42 First Commonwealth Financial 6.0 0.75 5.75 S&T Bancorp 4.4 0.77 6.46 TriState Capital 2.0 0.61 5.86 Data source: Federal Reserve YTD as of 09.30.12 $ in billions Western PA Bank Holding Companies

5. Slide 5: Common Return on Assets

   * 2012 peer banks per 2012 proxy statement Common Return on Assets

6. Slide 6: Common Return on Equity

   Common Return on Equity * 2012 peer banks per 2012 proxy statement

7. Slide 7: Lines of Business

   4 Lines of Business

8. Slide 8: Commercial Banking

   Commercial Banking

9. Slide 9: Loan Mix

   Loan Mix Total Loans as of 09.30.12 = $3.3 Billion

10. Slide 10: Retail Banking

    Retail Banking

11. Slide 11: Wealth Management

    Wealth Management

12. Slide 12: S&T Bancorp, Inc

    SeTBancorp, Inc

13. Slide 13: Growth – Merger Opportunities

    Growth – Merger Opportunities

14. Slide 14: Growth - Organic

    County Total Deposits * S&T Deposits * # Branches Share Rank Growth - Organic Allegheny $76,568 $691 0.9% Washington 4,525 2.0 Butler 3,458 1.0 Westmoreland 6,833 11.5 Cambria 2,776 6.4 Blair 2,182 2.4 Armstrong 1,114 7.4 Indiana 2,052 46.7 Clearfield 1,291 12.8 Jefferson 46.9 Clarion 22.5 Total $10

15. Slide 15: Slide 15

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