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S&T BANCORP INC.

______________________________________ 

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ☒    No  ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒    No  ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act. 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practical date.

Common Stock, $2.50 Par Value - 38,330,330 shares as of April 30, 2025

			Three Months Ended March 31,
(dollars in thousands, except per share data)			2025									2024
INTEREST AND DIVIDEND INCOME
Loans, including fees						$	114,340								$	118,577
Investment Securities:
Taxable						10,073									8,595
Tax-exempt						157									193
Dividends						278									389
Total Interest and Dividend Income						124,848									127,754
INTEREST EXPENSE
Deposits						38,354									36,662
Borrowings, junior subordinated debt securities and other						3,171									7,615
Total Interest Expense						41,525									44,277
NET INTEREST INCOME						83,323									83,477
Provision for credit losses						(3,040)									2,627
Net Interest Income After Provision for Credit Losses						86,363									80,850
NONINTEREST INCOME
Net (loss) gain on sale of securities						(2,295)									3
Debit and credit card						4,188									4,235
Service charges on deposit accounts						3,962									3,828
Wealth management						3,084									3,042
Other						1,490									1,722
Total Noninterest Income						10,429									12,830
NONINTEREST EXPENSE
Salaries and employee benefits						29,853									29,512
Data processing and information technology						4,930									4,954
Occupancy						4,302									3,870
Furniture, equipment and software						3,483									3,472
Marketing						1,615									1,943
Other taxes						1,494									1,871
Professional services and legal						1,286									1,720
FDIC insurance						1,040									1,049
Other						7,088									6,129
Total Noninterest Expense						55,091									54,520
Income Before Taxes						41,701									39,160
Income tax expense						8,300									7,921
Net Income						$	33,401								$	31,239
Earnings per share—basic						$	0.87								$	0.82
Earnings per share—diluted						$	0.87								$	0.81
Dividends declared per share						$	0.34								$	0.33
Comprehensive Income						$	49,758								$	24,443

The interim Condensed Consolidated Financial Statements include the accounts of S&T Bancorp, Inc., or S&T, and its wholly owned subsidiaries. All significant intercompany transactions have been eliminated in consolidation. Investments of 20 percent to 50 percent of the outstanding common stock of investees are accounted for using the equity method of accounting.

The accompanying unaudited interim Condensed Consolidated Financial Statements of S&T have been prepared in accordance with generally accepted accounting principles, or GAAP, in the United States for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with the audited Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2024, or 2024 Form 10-K, filed with the Securities and Exchange Commission, or SEC, on March 3, 2025. In the opinion of management, the accompanying interim financial information reflects all adjustments, consisting of normal recurring adjustments, necessary to present fairly our financial position and the results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year or any future period.

Amounts in prior period financial statements and footnotes are reclassified whenever necessary to conform to the current period presentation. Reclassifications had no effect on our consolidated financial statements.

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates.

We have one operating segment, Community Banking, based upon our current reporting structure at the consolidated level. The chief operating decision maker, or CODM, uses consolidated net income when allocating resources and making operating decisions. The accounting policies used to measure the profit and loss of the Community Banking segment are the same as those described in the summary of significant accounting policies. The CODM does not review segment revenue or expense information at a lower level than what is included in our Consolidated Statements of Net Income. Expenses included within other expenses in the Condensed Consolidated Statements of Comprehensive Income include loan related expenses, travel and entertainment, telephone and contributions.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures to enhance the transparency and decision usefulness of the disclosures. The amendments in this update address investor requests for more transparency about income tax information through improvements to disclosures primarily related to the rate reconciliation and income taxes paid information. The amendments in this update are effective for fiscal years beginning after December 15, 2024. We adopted ASU 2023-09, as of January 1, 2025 with no impact to the consolidated financial statements. We will provide the required updated disclosures in our Form 10-K for the year ended December 31, 2025.

In November 2024, the FASB issued ASU 2024-03, Income Statement (Subtopic 220-40)—Reporting Comprehensive Income—Expense Disaggregation Disclosures to improve the disclosures about a public business entity’s expenses and address requests from investors for more detailed information about the types of expenses in commonly presented expense captions. The amendments in this update are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. This ASU will not impact our consolidated financial statements and we are currently evaluating the impact of the new disclosure requirements.

Diluted earnings per share is calculated using both the two-class and the treasury stock methods with the more dilutive method used to determine diluted earnings per share. The treasury stock method was used to determine earnings per share for the three months ended March 31, 2025 and the two-class method was used to determine earnings per share for the three months ended March 31, 2024.

The following table reconciles the numerators and denominators of basic and diluted EPS calculations for the periods presented:

																					Three Months Ended March 31,
(in thousands, except share and per share data)															2025									2024
Numerator for Earnings per Share—Basic and Diluted:
Net income—Treasury Stock Method—Basic and Diluted																								$	33,401								$	31,239
Less: Income allocated to participating shares																								—									12
Net Income Allocated to Shareholders—Two-Class Method—Basic and Diluted																								$	33,401								$	31,227
Denominator for Earnings per Share—Treasury Stock Method:
Weighted Average Shares Outstanding—Basic																								38,260,746									38,192,235
Add: Potentially dilutive shares																								338,910									239,514
Denominator for Treasury Stock Method—Diluted																								38,599,656									38,431,749
Denominator for Earnings per Share—Two-Class Method:
Weighted Average Shares Outstanding—Basic																								38,260,746									38,192,235
Add: Average participating shares outstanding																								—									225,850
Denominator for Two-Class Method—Diluted																								38,260,746									38,418,085
Earnings per share—basic																								$	0.87								$	0.82
Earnings per share—diluted																								$	0.87								$	0.81
Restricted stock considered anti-dilutive excluded from potentially dilutive shares																								—									71

We use fair value measurements when recording and disclosing certain financial assets and liabilities. Debt securities, equity securities, securities held in a deferred compensation plan and derivative financial instruments are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record other financial instruments at fair value on a nonrecurring basis, such as loans held for sale, loans individually evaluated, other real estate owned, or OREO, and other repossessed assets, mortgage servicing rights, or MSRs, and certain other assets.

Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market in an orderly transaction between market participants at the measurement date. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets or liabilities; it is not a forced transaction. In determining fair value, we use various valuation approaches, including market, income and cost approaches. The fair value standard establishes a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing an asset or liability, which are developed based on market data that we have obtained from independent sources. Unobservable inputs reflect our estimates of assumptions that market participants would use in pricing an asset or liability, which are developed based on the best information available in the circumstances.

The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurement). The fair value hierarchy is broken down into three levels based on the reliability of inputs as follows.

Level 1: valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets.

Level 2: valuation is based upon quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by market data.

Level 3: valuation is derived from other valuation methodologies, including discounted cash flow models and similar techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in determining fair value.

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

There have been no changes in our valuation methodologies during the three months ended March 31, 2025. Refer to Note 1. Summary of Significant Accounting Policies of the Notes to Consolidated Financial Statements in our 2024 Form 10-K for more information on the valuation methodologies that we use for financial instruments recorded at fair value on a recurring or nonrecurring basis.

The following tables present our assets and liabilities that are measured at fair value on a recurring basis by fair value hierarchy level at the dates presented:

			March 31, 2025
(dollars in thousands)			Level 1						Level 2						Level 3						Total
ASSETS
Available-for-sale debt securities:
U.S. Treasury securities			$	93,605					$	—					$	—					$	93,605
Obligations of U.S. government corporations and agencies			—						10,127						—						10,127
Collateralized mortgage obligations of U.S. government corporations and agencies			—						648,818						—						648,818
Residential mortgage-backed securities of U.S. government corporations and agencies			—						33,143						—						33,143
Commercial mortgage-backed securities of U.S. government corporations and agencies			—						219,285						—						219,285
Obligations of states and political subdivisions			—						4,972						—						4,972
Total Available-for-Sale Debt Securities			93,605						916,345						—						1,009,950
Equity securities			1,161						—						—						1,161
Total Securities Available for Sale			94,766						916,345						—						1,011,111
Securities held in a deferred compensation plan			10,692						—						—						10,692
Derivative financial assets:
Interest rate swap contracts - commercial loans			—						48,493						—						48,493
Total Assets			$	105,458					$	964,838					$	—					$	1,070,296
LIABILITIES
Derivative financial liabilities:
Interest rate swap contracts - commercial loans			$	—					$	48,865					$	—					$	48,865
Interest rate swap contracts - cash flow hedge			—						6,473						—						6,473
Total Liabilities			$	—					$	55,338					$	—					$	55,338