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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.Q2 2025 earnings summary24 Jul, 2025
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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Next S&T Bancorp earnings date
Q3 202523 Oct, 2025
Next S&T Bancorp earnings date
Q3 202523 Oct, 2025
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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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