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S&T Bancorp (STBA) investor relations material
S&T Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $35.0 million ($0.91 per diluted share), up from $32.6 million ($0.85) in Q3 2024 and $31.9 million ($0.83) in Q2 2025, reflecting strong earnings and improved return metrics.
Return on average assets (ROA) was 1.42%, return on average equity (ROE) 9.48%, and return on average tangible equity (ROTE, non-GAAP) 12.81%, all improved sequentially.
Pre-provision net revenue (PPNR) increased to 1.89% of average assets, up 16 basis points from the prior quarter.
Tangible book value per share grew to $28.69, with tangible common equity to tangible assets at 11.65%.
Focus remains on organic growth, with a clear path to surpassing $10 billion in assets in the coming quarters.
Financial highlights
Net interest income rose by $2.6 million (3.00%) to $89.2 million, with net interest margin (NIM, FTE, non-GAAP) expanding 5 basis points to 3.93%.
Noninterest income was $13.8 million, up $0.3 million sequentially and $1.9 million year-over-year.
Noninterest expense decreased by $1.7 million from the prior quarter, mainly due to lower salaries and professional services costs; efficiency ratio (FTE, non-GAAP) improved to 54.41%.
Total assets remained at $9.8 billion at September 30, 2025; total portfolio loans increased $46.6 million (2.33% annualized).
Provision for credit losses was $2.8 million in Q3 2025, up from a negative $0.4 million in Q3 2024.
Outlook and guidance
Management highlights strong capital levels and financial flexibility for future growth, with a $50 million share repurchase authorization in place.
Expect mid-single-digit loan growth in Q4, supported by strong CRE pipelines and stable consumer demand.
Net interest margin expected to remain stable for the next three quarters, with flexibility to manage rate cuts.
Asset growth projected to keep the company under $10 billion in assets through next quarter, with crossing expected in 2025.
No material impact expected from recent tax law changes.
Why mid-single-digit loan growth for Q4?
How will Fed cuts impact NIM over next 3 quarters?
M&A strategy: What makes an attractive target?
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Next S&T Bancorp earnings date
Q4 202529 Jan, 2026
Next S&T Bancorp earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to individuals and small-to medium-sized businesses in Pennsylvania, Ohio, and New York. It offers various deposit products, including checking accounts, savings accounts, negotiable order of withdrawal (NOW) accounts, term certificates of deposit and individual retirement accounts (IRAs), demand deposits, money market accounts, and sweep deposits.
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