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S&T Bancorp
S&T Bancorp (STBA) investor relations material
S&T Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved strong full-year 2025 results with $3.49 EPS, $134.2M net income, and 3.9% net interest margin, supported by disciplined execution and sustainable growth focus.
Q4 2025 net income was $34M ($0.89 per share), with a 1.37% ROA and a 3.99% NIM, up six basis points sequentially.
Loan growth exceeded 4% and deposit growth was just under 3% for the year, with well-controlled expenses.
Announced a new $100M share repurchase authorization, with $36.2M repurchased in Q4, reflecting robust capital levels.
Financial highlights
Q4 net interest income rose by $1.8M (1.93%) from Q3, driven by margin expansion; full year net interest income increased $15.3M (4.57%) to $350.1M.
Non-interest income increased by $500K in Q4, with fee income expected at $13M–$14M per quarter in 2026.
Expenses increased by $800K in Q4, mainly due to higher salaries, benefits, and marketing costs; efficiency ratio improved to 53.99% in Q4 and 55.74% for the year.
Total loans grew by $329M (4.25%) year-over-year; deposits increased by $175.7M (2.26%).
Outlook and guidance
Expecting mid-single digit loan growth in 2026, primarily from C&I and CRE segments, with stable NIM in the mid to high 3.9% range.
Asset quality in 2026 anticipated to be similar to 2025, with continued focus on reducing NPLs and C&C loans.
Non-interest expense to be managed at around 3% year-over-year growth, with a quarterly run rate of ~$58M.
Management remains focused on growth, capital strength, and efficiency, with a new $100M share repurchase program authorized for 2026.
How did NPA resolutions impact Q4 ACL?
What balance sheet actions stabilized NIM?
Expected pace of new share repurchases
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Next S&T Bancorp earnings date
Q1 202623 Apr, 2026
S&T Bancorp
Next S&T Bancorp earnings date
Q1 202623 Apr, 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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