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S&T Bancorp (STBA) investor relations material
S&T Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $31.9M ($0.83 per share), with ROA at 1.32% and ROE at 8.91%.
Net interest income rose 3.9% sequentially, with NIM expanding to 3.88%.
Total assets reached $9.8B, with portfolio loans up $98.1M and deposits up $28M sequentially.
Asset quality remained strong, with nonperforming assets at 0.27% and allowance for credit losses at 1.24% of loans.
Management continues strategic repositioning and maintains confidence in future growth.
Financial highlights
Net interest income was $86.6M in Q2 2025, up from $83.3M in Q1 2025.
Noninterest income increased $3.1M to $13.5M, rebounding from prior securities losses.
Noninterest expense rose $3.0M to $58.1M, mainly from higher salaries and benefits.
Efficiency ratio improved to 57.73%.
Provision for credit losses was $2.0M for Q2 2025, reflecting improved asset quality.
Outlook and guidance
Management expects stable NIM if the Fed cuts rates twice, and continued mid-to-high single-digit loan growth.
Quarterly expense run rate projected at $57–$58M for the second half of the year.
Fee income expected to remain at $13M–$14M per quarter.
Strategic priorities focus on deposit growth, core profitability, asset quality, and talent engagement.
Management highlights strong capital levels and readiness for future growth.
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