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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________________________________

FORM 10-Q

______________________________________

(Mark One)


☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission file number 0-12508

______________________________________

S&T BANCORP INC.

(Exact name of registrant as specified in its charter)

______________________________________

Pennsylvania

25-1434426

(State or other jurisdiction of incorporation or organization)

(IRS Employer Identification No.)

800 Philadelphia Street

Indiana

15701

(Address of principal executive offices)

(zip code)

800-325-2265

(Registrant’s telephone number, including area code)

Not Applicable

(Former name, former address, and former fiscal year, if changed since last report)

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


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $2.50 par value	STBA	NASDAQ Global Select Market

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.


Large accelerated filer	☒	Accelerated filer	☐
Non-accelerated filer	☐	Smaller reporting company	☐
		Emerging growth company	☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) 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 ☒

APPLICABLE ONLY TO CORPORATE ISSUERS:

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 - 35,976,886 shares as of May 5, 2026

Table of Contents

S&T BANCORP, INC. AND SUBSIDIARIES



		Page No.
PART I. FINANCIAL INFORMATION

Item 1.	Condensed Consolidated Financial Statements

	C onsolidated Balance Sheets	2

	Condensed Consolidated Statements of Comprehensive Income	3

	C onsolidated Statements of Changes in Shareholders' Equity	4

	Condensed Consolidated Statements of Cash Flows	5

	Notes to Condensed Consolidated Financial Statements	6

Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	25

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	38

Item 4.	Controls and Procedures	40

PART II. OTHER INFORMATION

Item 1.	Legal Proceedings	41

Item 1A.	Risk Factors	41

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	41

Item 3.	Defaults Upon Senior Securities	41

Item 4.	Mine Safety Disclosures	41

Item 5.	Other Information	41

Item 6.	Exhibits	42

	Signatures	43

Table of Contents

S&T BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(Unaudited)





	March 31, 2026			December 31, 2025
(in thousands, except share and per share data)	(Unaudited)			(Audited)
ASSETS
Cash and due from banks, including interest-bearing deposits of $276,406 and $106,286 at March 31, 2026 and December 31, 2025		$	339,059		$	163,436
Securities available for sale, at fair value		1,009,518			987,659
Loans held for sale		694			1,010
Portfolio loans, net of unearned income		7,959,382			8,071,957
Allowance for credit losses		(93,271)			(93,178)
Portfolio loans, net		7,866,111			7,978,779
Bank owned life insurance		85,991			85,421
Premises and equipment, net		43,382			43,855
Federal Home Loan Bank and other restricted stock, at cost		11,724			16,030
Goodwill		373,424			373,424
Other intangible assets, net		2,069			2,251
Other assets		212,031			219,115
Total Assets		$	9,944,003		$	9,870,980
LIABILITIES
Deposits:
Noninterest-bearing demand		$	2,273,411		$	2,160,645
Interest-bearing demand		784,326			790,278
Money market		2,264,777			2,196,998
Savings		883,213			862,118
Certificates of deposit		1,979,492			1,948,792
Total Deposits		8,185,219			7,958,831

Short-term borrowings		50,000			165,000
Long-term borrowings		50,794			50,815
Junior subordinated debt securities		49,493			49,478

Other liabilities		177,816			182,979
Total Liabilities		8,513,322			8,407,103
SHAREHOLDERS’ EQUITY
Common stock ($2.50 par value) Authorized—50,000,000 shares Issued—41,449,444 shares at March 31, 2026 and December 31, 2025 Outstanding—36,259,649 shares at March 31, 2026 and 37,402,705 shares at December 31, 2025		103,623			103,623
Additional paid-in capital		413,929			412,969
Retained earnings		1,141,963			1,120,297
Accumulated other comprehensive loss		(47,476)			(41,707)
Treasury stock — 5,189,795 shares at March 31, 2026 and 4,046,739 shares at December 31, 2025, at cost		(181,358)			(131,305)
Total Shareholders’ Equity		1,430,681			1,463,877
Total Liabilities and Shareholders’ Equity		$	9,944,003		$	9,870,980

See Notes to Consolidated Financial Statements

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S&T BANCORP, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)




	Three Months Ended March 31,
(dollars in thousands, except per share data)	2026			2025
INTEREST AND DIVIDEND INCOME
Loans, including fees		$	115,294		$	114,340
Investment Securities:
Taxable		10,760			10,073
Tax-exempt		34			157
Dividends		245			278
Total Interest and Dividend Income		126,333			124,848
INTEREST EXPENSE
Deposits		35,686			38,354
Borrowings, junior subordinated debt securities and other		2,211			3,171
Total Interest Expense		37,897			41,525
NET INTEREST INCOME		88,436			83,323
Provision for credit losses		1,327			(3,040)
Net Interest Income After Provision for Credit Losses		87,109			86,363
NONINTEREST INCOME
Net loss on sale of securities		—			(2,295)
Debit and credit card		4,283			4,188
Service charges on deposit accounts		4,196			3,962
Investment services and trust		3,369			3,084
Other		1,794			1,490
Total Noninterest Income		13,642			10,429
NONINTEREST EXPENSE
Salaries and employee benefits		31,356			29,853
Data processing and information technology		5,158			4,930
Occupancy		4,592			4,302
Furniture, equipment and software		3,492			3,483
Other taxes		2,063			1,494
Marketing		1,467			1,615
Professional services and legal		1,245			1,286
FDIC insurance		1,073			1,040
Other		6,261			7,088
Total Noninterest Expense		56,707			55,091
Income Before Taxes		44,044			41,701
Income tax expense		8,972			8,300
Net Income		$	35,072		$	33,401
Earnings per share—basic		$	0.95		$	0.87
Earnings per share—diluted		$	0.94		$	0.87
Dividends declared per share		$	0.36		$	0.34
Comprehensive Income		$	29,303		$	49,758

See Notes to Consolidated Financial Statements

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S&T BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

(Unaudited)



	Three Months Ended March 31, 2025
(dollars in thousands, except share and per share data)	Common Stock			Additional Paid-in Capital			Retained Earnings			Accumulated Other Comprehensive Loss			Treasury Stock			Total
Balance at December 31, 2024		$	103,623		$	411,785		$	1,039,035		$	(76,992)		$	(97,157)		$	1,380,294
Net income for the three months ended March 31, 2025		—			—			33,401			—			—			33,401
Other comprehensive income, net of tax		—			—			—			16,357			—			16,357

Cash dividends declared ($0.34 per share)		—			—			(13,069)			—			—			(13,069)
Treasury stock issued for restricted stock awards, net of forfeitures (1,850 shares)		—			(90)			—			—			49			(41)



Recognition of restricted stock compensation expense		—			1,092			—			—			—			1,092





Balance at March 31, 2025		$	103,623		$	412,787		$	1,059,367		$	(60,635)		$	(97,108)		$	1,418,034
See Notes to Condensed Consolidated Financial Statements

	Three Months Ended March 31, 2026
(dollars in thousands, except share and per share data)	Common Stock			Additional Paid-in Capital			Retained Earnings			Accumulated Other Comprehensive Loss			Treasury Stock			Total
Balance at December 31, 2025		$	103,623		$	412,969		$	1,120,297		$	(41,707)		$	(131,305)		$	1,463,877
Net income for the three months ended March 31, 2026		—			—			35,072			—			—			35,072
Other comprehensive loss, net of tax		—			—			—			(5,769)			—			(5,769)

Cash dividends declared ($0.36 per share)		—			—			(13,406)			—			—			(13,406)
Treasury stock issued for restricted stock awards, net of forfeitures (3,044 shares)		—			(149)			—			—			121			(28)


Repurchase of S&T stock (1,146,100 shares)		—			—			—			—			(50,174)			(50,174)
Recognition of restricted stock compensation expense		—			1,109			—			—			—			1,109





Balance at March 31, 2026		$	103,623		$	413,929		$	1,141,963		$	(47,476)		$	(181,358)		$	1,430,681
See Notes to Condensed Consolidated Financial Statements

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S&T BANCORP, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)



	Three Months Ended March 31,

(dollars in thousands)		2026		2025
OPERATING ACTIVITIES






















Net Cash Provided by Operating Activities		$	42,525	$	28,910
INVESTING ACTIVITIES
Purchases of securities		(62,777)		(85,052)
Proceeds from maturities, prepayments and calls of securities		34,173		29,665
Proceeds from sales of securities		—		47,038

Redemptions of Federal Home Loan Bank stock		4,306		1,786
Net decrease (increase) in loans		110,951		(93,312)


Purchases of premises and equipment, net of proceeds from sales		(969)		(1,726)


Net payments from cash flow hedge		(889)		(2,031)


Net Cash Provided by (Used in) Investing Activities		84,795		(103,632)
FINANCING ACTIVITIES
Net increase (decrease) in demand, money market and savings deposits		195,688		154,147
Net increase (decrease) in certificates of deposit		30,700		(44,331)
Net increase (decrease) in short-term borrowings		(115,000)		(55,000)

Repayments on long-term borrowings		(21)		(20)

Repurchase of shares for taxes on restricted stock		(28)		(41)

Cash dividends paid to common shareholders		(13,358)		(13,017)
Repurchase of common stock		(49,678)		—


Net Cash Provided by Financing Activities		48,303		41,738
Net increase (decrease) in cash and due from banks		175,623		(32,984)
Cash and due from banks at beginning of period		163,436		244,820
Cash and Due From Banks at End of Period		$	339,059	$	211,836










Supplemental Disclosures



Right of use assets obtained in exchange for lease obligations		$	—	$	2,400
Cash paid for interest		$	38,187	$	44,058



Cash paid for state income taxes, net of refunds		$	135	$	93



See Notes to Consolidated Financial Statements

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1. BASIS OF PRESENTATION

Principles of Consolidation

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.

Basis of Presentation

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, 2025, or 2025 Form 10-K, filed with the Securities and Exchange Commission, or SEC. 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.

Reclassification

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 condensed consolidated financial statements.

Use of Estimates

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.

Segments

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 in our 2025 Form 10-K. 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, insurance expenses and contributions.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Recently Adopted Accounting Standards Updates, or ASU, or Updated

There were no recently adopted accounting standards updates in the first quarter of 2026.

Recently Issued Accounting Standards Not Yet Adopted

Income Statement (Subtopic 220-40)—Reporting Comprehensive Income—Expense Disaggregation Disclosures

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.

Interim Reporting (Topic 270)—Narrow-Scope Improvements

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270)—Narrow-Scope Improvements to improve the navigability of the required interim disclosures and clarify when the guidance is applicable. The amendments also provide additional guidance on what disclosures should be provided in interim reporting periods. The amendments add to Topic 270 a principle that requires entities to disclose events since the end of the last annual reporting period that have a material impact on the entity. The amendments in this update are effective for annual reporting period beginning after December 15, 2027, and interim reporting periods beginning after December 15, 2028. Early adoption is permitted. This ASU is not expected to have a material impact on disclosures.

NOTE 2. EARNINGS PER SHARE

The treasury stock method was used to determine earnings per share for the three months ended March 31, 2026 and 2025.

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)		2026			2025
Numerator for Earnings per Share—Basic and Diluted:
Net income—Basic and Diluted			$	35,072		$	33,401

















Denominator for Earnings per Share:
Weighted Average Shares Outstanding—Basic			36,856,572			38,260,746
Add: Potentially dilutive shares			321,316			338,910
Denominator—Diluted			37,177,888			38,599,656







Earnings per share—basic			$	0.95		$	0.87
Earnings per share—diluted			$	0.94		$	0.87

Restricted stock considered anti-dilutive excluded from potentially dilutive shares			142			—

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 3. FAIR VALUE MEASUREMENTS

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, 2026. Refer to Note 1. Summary of Significant Accounting Policies of the Notes to Consolidated Financial Statements in our 2025 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.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Assets and Liabilities Recorded at Fair Value on a Recurring 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, 2026
(dollars in thousands)	Level 1		Level 2		Level 3		Total
ASSETS
Available-for-sale debt securities:
U.S. Treasury securities	$	84,161	$	—	$	—	$	84,161

Collateralized mortgage obligations of U.S. government corporations and agencies(1)	—		626,502		—		626,502
Residential mortgage-backed securities of U.S. government corporations and agencies(1)	—		33,094		—		33,094
Commercial mortgage-backed securities of U.S. government corporations	—		259,505		—		259,505

Obligations of states and political subdivisions	—		4,878		—		4,878
Total Available-for-Sale Debt Securities	84,161		923,979		—		1,008,140
Equity securities	1,378		—		—		1,378
Total Securities Available for Sale	85,539		923,979		—		1,009,518
Securities held in a deferred compensation plan	9,453		—		—		9,453
Derivative financial assets:
Interest rate swap contracts - commercial loans	—		32,943		—		32,943
Interest rate lock commitments - mortgage loans	—		—		34		34


Total Assets	$	94,992	$	956,922	$	34	$	1,051,948
LIABILITIES
Derivative financial liabilities:
Interest rate swap contracts - commercial loans	$	—	$	33,200	$	—	$	33,200


Interest rate swap contracts - cash flow hedge	—		1,868		—		1,868
Total Liabilities	$	—	$	35,068	$	—	$	35,068
(1)Collateralized mortgage obligations and residential mortgage backed securities consist primarily of securities guaranteed by Fannie Mae, Freddie Mac and Ginnie Mae.


	December 31, 2025
(dollars in thousands)	Level 1		Level 2		Level 3		Total
ASSETS
Available-for-sale debt securities:
U.S. Treasury securities	$	84,507	$	—	$	—	$	84,507

Collateralized mortgage obligations of U.S. government corporations and agencies(1)	—		624,263		—		624,263
Residential mortgage-backed securities of U.S. government corporations and agencies(1)	—		31,336		—		31,336
Commercial mortgage-backed securities of U.S. government corporations	—		241,262		—		241,262

Obligations of states and political subdivisions	—		4,909		—		4,909
Total Available-for-Sale Debt Securities	84,507		901,770		—		986,277
Equity securities	1,382		—		—		1,382
Total Securities Available for Sale	85,889		901,770		—		987,659
Securities held in a deferred compensation plan	14,212		—		—		14,212
Derivative financial assets:
Interest rate swap contracts - commercial loans	—		33,669		—		33,669
Interest rate lock commitments - mortgage loans	—		—		81		81


Total Assets	$	100,101	$	935,439	$	81	$	1,035,621
LIABILITIES
Derivative financial liabilities:
Interest rate swap contracts - commercial loans	$	—	$	33,990	$	—	$	33,990

Interest rate swap contracts - cash flow hedge	—		2,024		—		2,024
Total Liabilities	$	—	$	36,014	$	—	$	36,014
(1)Collateralized mortgage obligations and residential mortgage backed securities consist primarily of securities guaranteed by Fannie Mae, Freddie Mac and Ginnie Mae.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Assets Recorded at Fair Value on a Nonrecurring Basis

We may be required to measure certain assets and liabilities at fair value on a nonrecurring basis. These assets and liabilities are recorded at the lower of cost or fair value in our consolidated financial statements and are remeasured only when events or circumstances indicate impairment. At March 31, 2026, individually evaluated loans of $1.7 million were measured at fair value on a nonrecurring basis and classified as Level 3 and individually evaluated loans of $1.2 million were measured at fair value and classified as Level 2. At December 31, 2025 individually evaluated loans of $10.6 million were classified as Level 3 and $5.3 million were classified as Level 2. There were no liabilities measured at fair value on a nonrecurring basis as of both March 31, 2026 and December 31, 2025.

Significant unobservable inputs used in the fair value measurements of Level 3 assets on a nonrecurring basis at March 31, 2026 and December 31, 2025 were as follows:

(dollars in thousands)

March 31, 2026

Valuation Technique

Significant Unobservable Inputs(1)

Collateral Adjustment(2)

Loans individually evaluated

$1,689

Collateral based valuation

Collateral adjustments

74%

(1)Represents discount adjustments to collateral values related to anticipated collection rates of accounts receivable based on management judgment.

(2)Represents the collateral adjustment of one loan.

(dollars in thousands)

December 31, 2025

Valuation Technique

Significant Unobservable Inputs(1)

Collateral Adjustment(2)

Loans individually evaluated

$10,641

Collateral based valuation

Collateral adjustments

10%

(1)Represents discount adjustments to collateral values related to anticipated collection rates of accounts receivable based on management judgment.

(2)Represents the collateral adjustment of one loan.

Fair Value of Financial Instruments

The following tables present the carrying values and fair values of our financial instruments at the dates presented:


	Carrying Value(1)		Fair Value Measurements at March 31, 2026
(dollars in thousands)			Total		Level 1		Level 2		Level 3
ASSETS
Cash and due from banks, including interest-bearing deposits	$	339,059	$	339,059	$	339,059	$	—	$	—
Securities available for sale	1,009,518		1,009,518		85,539		923,979		—
Loans held for sale	694		694		—		694		—
Portfolio loans, net	7,866,111		7,687,285		—		—		7,687,285

Securities held in a deferred compensation plan	9,453		9,453		9,453		—		—
Mortgage servicing rights	4,958		8,033		—		—		8,033
Interest rate swap contracts - commercial loans	32,943		32,943		—		32,943		—

Interest rate lock commitments - mortgage loans	34		34		—		—		34

LIABILITIES
Deposits	$	8,185,219	$	8,180,325	$	6,205,727	$	1,974,598	$	—
Collateral payable	31,087		31,087		31,087		—		—

Short-term borrowings	50,000		50,000		—		50,000		—
Long-term borrowings	50,794		50,793		—		50,793		—
Junior subordinated debt securities	49,493		49,493		—		49,493		—
Interest rate swap contracts - commercial loans	33,200		33,200		—		33,200		—
Interest rate swap contracts - cash flow hedge	1,868		1,868		—		1,868		—


(1) As reported in the Consolidated Balance Sheets

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


	Carrying Value(1)		Fair Value Measurements at December 31, 2025
(dollars in thousands)			Total		Level 1		Level 2		Level 3
ASSETS
Cash and due from banks, including interest-bearing deposits	$	163,436	$	163,436	$	163,436	$	—	$	—
Securities available for sale	987,659		987,659		85,889		901,770		—
Loans held for sale	1,010		1,010		—		1,010
Portfolio loans, net	7,978,779		7,807,824		—		—		7,807,824
Collateral receivable	2		2		2		—		—
Securities held in a deferred compensation plan	14,212		14,212		14,212		—		—
Mortgage servicing rights	5,034		8,034		—		—		8,034
Interest rate swaps - commercial loans	33,669		33,669		—		33,669		—
Interest rate lock commitments	81		81		—		—		81

LIABILITIES
Deposits	$	7,958,831	$	7,956,632	$	6,010,039	$	1,946,593	$	—
Collateral payable	26,964		26,964		26,964		—		—

Short-term borrowings	165,000		165,000		—		165,000		—
Long-term borrowings	50,815		50,856		—		50,856		—
Junior subordinated debt securities	49,478		49,478		—		49,478		—
Interest rate swaps - commercial loans	33,990		33,990		—		33,990		—
Interest rate swaps - cash flow hedge	2,024		2,024		—		2,024		—

(1) As reported in the Consolidated Balance Sheets

NOTE 4. SECURITIES

The following table presents the fair values of our securities portfolio at the dates presented:


(dollars in thousands)	March 31, 2026		December 31, 2025
Debt securities	$	1,008,140	$	986,277
Equity securities		1,378		1,382
Total Securities Available for Sale	$	1,009,518	$	987,659

The following table presents the amortized cost and fair value of available-for-sale debt securities at the dates presented:


	March 31, 2026												December 31, 2025
(dollars in thousands)	Amortized Cost			Gross Unrealized Gains			Gross Unrealized Losses			Fair Value			Amortized Cost			Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
U.S. Treasury securities		$	86,125		$	92		$	(2,056)		$	84,161		$	86,381		$	110		$	(1,984)		$	84,507

Collateralized mortgage obligations of U.S. government corporations and agencies(2)		658,717			2,068			(34,283)			626,502			650,314			4,961			(31,012)			624,263
Residential mortgage-backed securities of U.S. government corporations and agencies(2)		37,690			6			(4,602)			33,094			35,994			7			(4,665)			31,336
Commercial mortgage-backed securities of U.S. government corporations		263,458			1,408			(5,361)			259,505			243,571			2,411			(4,720)			241,262

Obligations of states and political subdivisions		4,875			3			—			4,878			4,902			7			—			4,909
Total Available-for-Sale Debt Securities(1)		$	1,050,865		$	3,577		$	(46,302)		$	1,008,140		$	1,021,162		$	7,496		$	(42,381)		$	986,277

(1) Excludes interest receivable of $3.2 million at March 31, 2026 and $3.3 million at December 31, 2025. Interest receivable is included in other assets in the Consolidated Balance Sheets.

(2)Collateralized mortgage obligations and residential mortgage backed securities consist primarily of securities guaranteed by Fannie Mae, Freddie Mac and Ginnie Mae.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The following tables present the fair value and the age of gross unrealized losses on available-for-sale debt securities by investment category at the dates presented:


	March 31, 2026
	Less Than 12 Months					12 Months or More					Total
(dollars in thousands)	Number of Securities	Fair Value		Unrealized Losses		Number of Securities	Fair Value		Unrealized Losses		Number of Securities	Fair Value		Unrealized Losses
U.S. Treasury securities	—	$	—	$	—	7	$	69,192	$	(2,056)	7	$	69,192	$	(2,056)

Collateralized mortgage obligations of U.S. government corporations and agencies	18	153,665		(1,564)		53	271,532		(32,719)		71	425,197		(34,283)
Residential mortgage-backed securities of U.S. government corporations and agencies	1	2,502		(24)		12	30,433		(4,578)		13	32,935		(4,602)
Commercial mortgage-backed securities of U.S. government corporations	6	59,409		(663)		8	93,768		(4,698)		14	153,177		(5,361)



Total	25	$	215,576	$	(2,251)	80	$	464,925	$	(44,051)	105	$	680,501	$	(46,302)


	December 31, 2025
	Less Than 12 Months					12 Months or More					Total
(dollars in thousands)	Number of Securities	Fair Value		Unrealized Losses		Number of Securities	Fair Value		Unrealized Losses		Number of Securities	Fair Value		Unrealized Losses
U.S. Treasury securities	—	$	—	$	—	7	$	69,409	$	(1,984)	7	$	69,409	$	(1,984)

Collateralized mortgage obligations of U.S. government corporations and agencies	4	34,993		(52)		55	299,732		(30,960)		59	334,725		(31,012)
Residential mortgage-backed securities of U.S. government corporations and agencies	—	—		—		15	31,171		(4,665)		15	31,171		(4,665)
Commercial mortgage-backed securities of U.S. government corporations	1	9,943		(29)		10	114,107		(4,691)		11	124,050		(4,720)



Total	5	$	44,936	$	(81)	87	$	514,419	$	(42,300)	92	$	559,355	$	(42,381)

We evaluate securities with unrealized losses quarterly to determine if the decline in fair value has resulted from credit impairment or other factors. We do not believe any individual unrealized loss as of March 31, 2026 represents a credit impairment. The unrealized losses on debt securities were attributable to changes in interest rates and not related to the credit quality of the issuers. All debt securities were determined to be investment grade and paying principal and interest according to the contractual terms of the security. As of March 31, 2026, we do not intend to sell, and it is more likely than not that we will not be required to sell, the securities in an unrealized loss position before recovery of their amortized cost.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The following table presents net unrealized gains and losses, net of tax, on available-for-sale debt securities included in accumulated other comprehensive loss, for the periods presented:


	March 31, 2026						December 31, 2025
(dollars in thousands)	Gross Unrealized Gains		Gross Unrealized Losses		Net Unrealized Losses		Gross Unrealized Gains		Gross Unrealized Losses		Net Unrealized Losses
Total unrealized gains (losses) on available-for-sale debt securities	$	3,577	$	(46,302)	$	(42,725)	$	7,496	$	(42,381)	$	(34,885)
Income tax (expense) benefit	(770)		9,967		9,197		(1,614)		9,123		7,509
Net Unrealized Losses, Net of Tax Included in Accumulated Other Comprehensive Loss	$	2,807	$	(36,335)	$	(33,528)	$	5,882	$	(33,258)	$	(27,376)

The amortized cost and fair value of available-for-sale debt securities at March 31, 2026 by contractual maturity are included in the table below. Actual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.


	March 31, 2026
(dollars in thousands)	Amortized Cost		Fair Value
Obligations of the U.S. Treasury, U.S. government corporations and agencies and obligations of states and political subdivisions
Due in one year or less	$	30,083	$	30,036
Due after one year through five years	51,022		49,075
Due after five years through ten years	9,895		9,928
Due after ten years	—		—
Available-for-Sale Debt Securities With Fixed Maturities	91,000		89,039
Debt Securities without a single maturity date
Collateralized mortgage obligations of U.S. government corporations and agencies	658,717		626,502
Residential mortgage-backed securities of U.S. government corporations and agencies	37,690		33,094
Commercial mortgage-backed securities of U.S. government corporations	263,458		259,505


Total Available-for-Sale Debt Securities	$	1,050,865	$	1,008,140

Debt securities are pledged in order to meet various regulatory and legal requirements. Restricted pledged securities had a carrying value of $37.2 million at March 31, 2026 and $38.3 million at December 31, 2025. Unrestricted pledged securities had a carrying value of $208.0 million at March 31, 2026 and $202.0 million at December 31, 2025. Any sales or changes to the pledged status of restricted pledged securities requires approval of the beneficiary. Approval is not required in order to sell or make changes to the pledged status for unrestricted pledged securities.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES

Loans and Loans Held for Sale

Loans are presented net of unearned income. Unearned income consisted of net deferred loan fees and costs of $4.1 million at March 31, 2026 and $4.8 million at December 31, 2025 and a discount related to purchase accounting fair value adjustments of $1.9 million at March 31, 2026 and $2.0 million at December 31, 2025.

The following table summarizes the composition of our loan portfolio at the dates presented:


(dollars in thousands)	March 31, 2026		December 31, 2025
Commercial real estate	$	2,836,088	$	2,921,761
Commercial and industrial	1,321,544		1,330,605
Commercial construction	391,584		365,377
Business banking	1,299,414		1,315,863
Consumer real estate	2,026,801		2,047,071
Other consumer	83,951		91,280
Total Portfolio Loans	$	7,959,382	$	8,071,957
Loans held for sale	694		1,010
Total Loans(1)	$	7,960,076	$	8,072,967

(1)Excludes interest receivable of $32.4 million at March 31, 2026 and $33.4 million at December 31, 2025. Interest receivable is included in other assets in the Consolidated Balance Sheets.

Modifications to Borrowers Experiencing Financial Difficulty

The following tables present the amortized cost of loans to borrowers experiencing financial difficulty by portfolio segment and type of modification during the periods presented:



	Three Months Ended March 31, 2026
(dollars in thousands)	Term Extension		Term Extension and Payment Delays		Total		% of Portfolio Segment

Commercial and industrial	$	5,631	$	13,753	$	19,384	1.47	%

Business banking	25		—		25		—	%
Consumer real estate	138		—		138		0.01	%

Total	$	5,794	$	13,753	$	19,547	0.25	%

	Three Months Ended March 31, 2025
(dollars in thousands)	Term Extension		Term Extension and Payment Delays		Total		% of Portfolio Segment

Commercial and industrial	$	—	$	2,092	$	2,092	0.16	%
Commercial construction	—		1,006		1,006		0.27	%

Consumer real estate	265		640		905		0.05	%

Total	$	265	$	3,738	$	4,003	0.05	%

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The following tables describe the effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:



	Three Months Ended March 31, 2026
		Weighted-Average Term Extension (in months)		Weighted-Average Term Extension and Payment Delays (in months)

Commercial and industrial			10		3

Business banking			12		—
Consumer real estate			346		—



	Three Months Ended March 31, 2025
		Weighted-Average Term Extension (in months)		Weighted-Average Term Extension and Payment Delays (in months)

Commercial and industrial			—		13
Commercial construction			—		13

Consumer real estate			122		15

We closely monitor the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of the modification efforts.

The following tables present an aging analysis since the date of modification for loans to borrowers experiencing financial difficulty that were modified in the last 12 months as of the dates presented:


	March 31, 2026
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total

Commercial and industrial	$	22,976	$	11,701	$	—	$	3,375	$	38,052

Business banking	25		—		—		—		25
Consumer real estate	454		—		—		—		454

Total	$	23,455	$	11,701	$	—	$	3,375	$	38,531


	March 31, 2025
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total
Commercial real estate	$	616	$	—	$	—	$	—	$	616
Commercial and industrial	16,536		—		—		3,778		20,314
Commercial construction	—		1,006		—		—		1,006

Consumer real estate	1,128		224		40		—		1,392

Total	$	18,280	$	1,230	$	40	$	3,778	$	23,328

A payment default is defined as a loan having a payment past due 90 days or more. There was one payment default on previously modified loans to borrowers experiencing financial difficulty in the amount of $3.4 million during the three months ended March 31, 2026 compared to one payment default in the amount of $3.8 million during the same period in 2025. Additionally, we had thirteen commitments to lend an additional $1.3 million to borrowers experiencing financial difficulty that had a modification during the twelve months ended March 31, 2026 and ten commitments to lend an additional $0.5 million to borrowers experiencing financial difficulty that had a modification during the same period in 2025.

The effect of modifications made to borrowers experiencing financial difficulty is already included in the allowance for credit losses, or ACL, because of the measurement methodologies used to estimate the ACL, therefore, a change to the ACL is generally not recorded upon modification. If principal forgiveness is provided, that portion of the loan will be charged-off, resulting in a reduction of the amortized cost basis and a corresponding adjustment to the ACL. An assessment of whether the borrower is experiencing financial difficulty is made on the date of a modification.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Allowance for Credit Losses

We maintain an ACL, at a level determined to be adequate to absorb estimated expected credit losses within the loan portfolio over the contractual life of an instrument that considers our historical loss experience, current conditions and forecasts of future economic conditions as of the balance sheet date. We develop and document a systematic ACL methodology based on the following portfolio segments: 1) CRE, 2) C&I, 3) Commercial Construction, 4) Business Banking, 5) Consumer Real Estate and 6) Other Consumer.

The following are key risks within each portfolio segment:

CRE—Loans secured by commercial purpose real estate, including both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. Operations of the individual projects and global cash flows of the debtors are the primary sources of repayment for these loans. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the collateral type and the business prospects of the lessee, if the project is not owner-occupied.

C&I—Loans made to operating companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. Cash flow from the operations of the company is the primary source of repayment for these loans. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the industry of the company. Collateral for these types of loans often does not have sufficient value in a distressed or liquidation scenario to satisfy the outstanding debt.

Commercial Construction—Loans made to finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. While these loans are generally confined to the construction period, if there are problems, the project may not be completed, and as such, may not provide sufficient cash flow on its own to service the debt or have sufficient value in a liquidation to cover the outstanding principal. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the type of project and the experience and resources of the developer.

Business Banking—Commercial purpose loans made to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process that has been designed to maximize efficiency while maintaining high credit quality standards that meet small business market customers’ needs. The business banking portfolio is monitored by utilizing a standard and closely managed process focusing on behavioral and performance criteria. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the collateral type and business.

Consumer Real Estate—Loans secured by first and second liens such as 1-4 family residential mortgages, home equity loans and home equity lines of credit. The primary source of repayment for these loans is the income and assets of the borrower. The condition of the local economy, in particular the unemployment rate, is an important indicator of risk for this segment. The state of the local housing market can also have a significant impact on this segment because low demand and/or declining home values can limit the ability of borrowers to sell a property and satisfy the debt.

Other Consumer—Loans made to individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. This segment includes auto loans, unsecured loans and lines of credit. The primary source of repayment for these loans is the income and assets of the borrower. The condition of the local economy, in particular the unemployment rate, is an important indicator of risk for this segment. The value of the collateral, if there is any, is less likely to be a source of repayment due to less certain collateral values.

Management monitors various credit quality indicators for the commercial, business banking and consumer loan portfolios, including changes in risk ratings, nonperforming status and delinquency on a monthly basis.

We monitor the commercial and business banking loan portfolio through an internal risk rating system. Loan risk ratings are assigned based upon the creditworthiness of the borrower and are reviewed on an ongoing basis according to our internal policies. Loans within the pass rating generally have a lower risk of loss than loans risk rated as special mention or substandard.

Our risk ratings are consistent with regulatory guidance and are as follows:

Pass—The loan is currently performing and is of high quality.

Special Mention—A special mention loan has potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects or in the strength of our credit position at some future date.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Substandard—A substandard loan is not adequately protected by the net worth and/or paying capacity of the borrower or by the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected.

Doubtful—Loans classified doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The following tables present loan balances by year of origination and internally assigned risk rating for our portfolio segments at the dates presented:


	March 31, 2026
	Risk Rating by Year of Origination
(dollars in thousands)	2026		2025		2024		2023		2022		2021 and Prior		Revolving		Revolving-Term		Total

Commercial Real Estate
Pass	$	61,340	$	483,042	$	313,621	$	314,448	$	275,054	$	1,262,871	$	38,536	$	—	$	2,748,912
Special mention	—		—		2,887		4,563		8,344		36,292		254		—		52,340
Substandard	—		—		—		3,838		1,689		29,309		—		—		34,836
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Real Estate	61,340		483,042		316,508		322,849		285,087		1,328,472		38,790		—		2,836,088
Year-to-date Gross Charge-offs	—		—		—		—		—		—		—		—		—

Commercial and Industrial
Pass	84,636		154,971		91,822		103,001		122,999		229,105		417,206		—		1,203,740
Special mention	—		—		818		6,588		5,792		14,687		42,132		—		70,017
Substandard	—		—		—		1,864		—		22,763		20,533		—		45,160
Doubtful	—		—		—		—		—		—		2,627		—		2,627
Total Commercial and Industrial	84,636		154,971		92,640		111,453		128,791		266,555		482,498		—		1,321,544
Year-to-date Gross Charge-offs	—		—		—		198		—		—		—		—		198

Commercial Construction
Pass	14,994		201,198		112,588		44,094		7,678		3,699		6,464		—		390,715
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		869		—		—		—		—		—		869
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Construction	14,994		201,198		113,457		44,094		7,678		3,699		6,464		—		391,584
Year-to-date Gross Charge-offs	—		—		—		—		—		—		—		—		—

Business Banking
Pass	30,136		178,415		125,647		191,313		191,806		462,449		95,458		446		1,275,670
Special mention	—		—		799		120		419		2,909		4		112		4,363
Substandard	—		—		444		4,455		2,632		11,232		150		468		19,381
Doubtful	—		—		—		—		—		—		—		—		—
Total Business Banking	30,136		178,415		126,890		195,888		194,857		476,590		95,612		1,026		1,299,414
Year-to-date Gross Charge-offs	—		—		—		510		—		44		—		—		554

Consumer Real Estate
Pass	17,563		161,750		214,384		289,054		301,547		373,961		625,545		28,698		2,012,502
Special mention	—		—		—		—		—		79		—		—		79
Substandard	—		156		758		3,060		477		4,468		1,877		3,424		14,220
Doubtful	—		—		—		—		—		—		—		—		—
Total Consumer Real Estate	17,563		161,906		215,142		292,114		302,024		378,508		627,422		32,122		2,026,801
Year-to-date Gross Charge-offs	—		—		26		3		—		—		34		238		301

Other Consumer
Pass	1,848		5,891		4,706		3,259		3,204		1,543		49,189		14,139		83,779
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		12		—		147		—		13		172
Doubtful	—		—		—		—		—		—		—		—		—
Total Other Consumer	1,848		5,891		4,706		3,271		3,204		1,690		49,189		14,152		83,951
Year-to-date Gross Charge-offs	282		—		21		3		23		9		—		544		882

Pass	210,517		1,185,267		862,768		945,169		902,288		2,333,628		1,232,398		43,283		7,715,318
Special mention	—		—		4,504		11,271		14,555		53,967		42,390		112		126,799
Substandard	—		156		2,071		13,229		4,798		67,919		22,560		3,905		114,638
Doubtful	—		—		—		—		—		—		2,627		—		2,627
Total Loan Balance	$	210,517	$	1,185,423	$	869,343	$	969,669	$	921,641	$	2,455,514	$	1,299,975	$	47,300	$	7,959,382

Year-to-date Gross Charge-offs	$	282	$	—	$	47	$	714	$	23	$	53	$	34	$	782	$	1,935

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


	December 31, 2025
	Risk Rating by Year of Origination
(dollars in thousands)	2025		2024		2023		2022		2021		2020 and Prior		Revolving		Revolving-Term		Total

Commercial Real Estate
Pass	$	480,967	$	312,777	$	322,165	$	311,087	$	328,936	$	1,047,543	$	42,300	$	—	$	2,845,775
Special mention	—		2,907		—		6,865		3,148		25,805		254		—		38,979
Substandard	—		—		3,883		1,700		11,642		19,782		—		—		37,007
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Real Estate	480,967		315,684		326,048		319,652		343,726		1,093,130		42,554		—		2,921,761
Year-to-date Gross Charge-offs	—		—		—		4,907		—		2,432		—		—		7,339

Commercial and Industrial
Pass	161,634		95,715		111,222		138,390		75,406		165,633		501,472		—		1,249,472
Special mention	—		350		2,423		1,394		3		13,611		8,179		—		25,960
Substandard	—		—		1,914		—		18,152		5,644		27,853		—		53,563
Doubtful	—		—		—		—		—		—		1,610		—		1,610
Total Commercial and Industrial	161,634		96,065		115,559		139,784		93,561		184,888		539,114		—		1,330,605
Year-to-date Gross Charge-offs	256		—		4,014		172		—		2,089		192		—		6,723

Commercial Construction
Pass	172,822		118,952		43,093		18,762		2,520		1,260		7,099		—		364,508
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		869		—		—		—		—		—		—		869
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Construction	172,822		119,821		43,093		18,762		2,520		1,260		7,099		—		365,377
Year-to-date Gross Charge-offs	—		—		—		118		—		—		—		—		118

Business Banking
Pass	182,401		132,196		201,106		197,145		157,792		328,135		93,701		453		1,292,929
Special mention	—		394		—		427		137		2,871		4		161		3,994
Substandard	—		—		5,175		2,208		3,364		7,574		151		468		18,940
Doubtful	—		—		—		—		—		—		—		—		—
Total Business Banking	182,401		132,590		206,281		199,780		161,293		338,580		93,856		1,082		1,315,863
Year-to-date Gross Charge-offs	—		19		132		39		225		699		—		—		1,114

Consumer Real Estate
Pass	161,896		220,705		297,533		306,440		119,775		277,507		618,767		29,868		2,032,491
Special mention	—		—		—		—		—		84		—		—		84
Substandard	—		583		2,927		522		186		4,399		2,006		3,873		14,496
Doubtful	—		—		—		—		—		—		—		—		—
Total Consumer Real Estate	161,896		221,288		300,460		306,962		119,961		281,990		620,773		33,741		2,047,071
Year-to-date Gross Charge-offs	5		35		134		2		—		156		31		465		828

Other Consumer
Pass	7,016		5,253		3,919		3,869		1,090		984		59,304		9,640		91,075
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		13		—		10		143		—		39		205
Doubtful	—		—		—		—		—		—		—		—		—
Total Other Consumer	7,016		5,253		3,932		3,869		1,100		1,127		59,304		9,679		91,280
Year-to-date Gross Charge-offs	1,027		35		36		73		30		58		1		693		1,953


Pass	1,166,736		885,598		979,038		975,693		685,519		1,821,062		1,322,643		39,961		7,876,250
Special mention	—		3,651		2,423		8,686		3,288		42,371		8,437		161		69,017
Substandard	—		1,452		13,912		4,430		33,354		37,542		30,010		4,380		125,080
Doubtful	—		—		—		—		—		—		1,610		—		1,610
Total Loan Balance	$	1,166,736	$	890,701	$	995,373	$	988,809	$	722,161	$	1,900,975	$	1,362,700	$	44,502	$	8,071,957

Year-to-date Gross Charge-offs	$	1,288	$	89	$	4,316	$	5,311	$	255	$	5,434	$	224	$	1,158	$	18,075

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The following tables present the aging analysis of past due loans segregated by class of loans at the dates presented:


	March 31, 2026
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		Nonaccrual		Total Past Due Loans		Total Loans
Commercial real estate	$	2,815,134	$	5,829	$	—	$	15,125	$	20,954	$	2,836,088
Commercial and industrial	1,297,254		6,381		—		17,909		24,290		1,321,544
Commercial construction	390,715		—		—		869		869		391,584
Business banking	1,291,395		2,167		520		5,332		8,019		1,299,414
Consumer real estate	2,010,816		4,601		811		10,573		15,985		2,026,801
Other consumer	82,960		834		16		141		991		83,951
Total	$	7,888,274	$	19,812	$	1,347	$	49,949	$	71,108	$	7,959,382


	December 31, 2025
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		Nonaccrual		Total Past Due Loans		Total Loans
Commercial real estate	$	2,906,576	$	—	$	—	$	15,185	$	15,185	$	2,921,761
Commercial and industrial	1,305,388		311		—		24,906		25,217		1,330,605
Commercial construction	364,508		—		—		869		869		365,377
Business banking	1,308,368		999		2,920		3,576		7,495		1,315,863
Consumer real estate	2,028,472		3,281		4,454		10,864		18,599		2,047,071
Other consumer	90,503		604		15		158		777		91,280
Total	$	8,003,815	$	5,195	$	7,389	$	55,558	$	68,142	$	8,071,957

The following tables present loans on nonaccrual status by class of loan for the year-to-date periods presented:


	March 31, 2026
(dollars in thousands)	Beginning of Period Nonaccrual		End of Period Nonaccrual		Nonaccrual With No Related Allowance		Interest Income Recognized on Nonaccrual(1)
Commercial real estate	$	15,185	$	15,125	$	—	$	31
Commercial and industrial	24,906		17,909		3,375		111
Commercial construction	869		869		—		4
Business banking	3,576		5,332		2,281		34
Consumer real estate	10,864		10,573		13,917		97
Other consumer	158		141		—		—
Total	$	55,558	$	49,949	$	19,573	$	277

(1) Represents only cash payments received and applied to interest on nonaccrual loans.


	December 31, 2025
(dollars in thousands)	Beginning of Period Nonaccrual		End of Period Nonaccrual		Nonaccrual With No Related Allowance		Interest Income Recognized on Nonaccrual(1)
Commercial real estate	$	3,228	$	15,185	$	14,936	$	123
Commercial and industrial	11,173		24,906		12,585		202
Commercial construction	—		869		—		581
Business banking	2,988		3,576		—		198
Consumer real estate	10,318		10,864		—		592
Other consumer	230		158		—		3
Total	$	27,937	$	55,558	$	27,521	$	1,699

(1) Represents only cash payments received and applied to interest on nonaccrual loans.

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S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The following tables present loans that are individually evaluated and collateral-dependent at the dates presented:


	March 31, 2026
	Type of Collateral
(dollars in thousands)	Real Estate		Business Assets
Commercial real estate	$	13,917	$	—
Commercial and industrial	—		17,848

Business banking	2,281		—


Total	$	16,198	$	17,848


	December 31, 2025
	Type of Collateral
(dollars in thousands)	Real Estate		Business Assets
Commercial real estate	$	14,936	$	—
Commercial and industrial	—		24,835




Total	$	14,936	$	24,835

The following tables present activity in the ACL for the periods presented:



	Three Months Ended March 31, 2026
(dollars in thousands)	Commercial Real Estate		Commercial and Industrial		Commercial Construction		Business Banking		Consumer Real Estate		Other Consumer		Total Loans
Allowance for credit losses on loans:
Balance at beginning of period	$	29,357	$	29,142	$	4,400	$	11,335	$	16,297	$	2,647	$	93,178

Provision for credit losses on loans(1)	(974)		1,684		253		120		147		550		1,780
Charge-offs	—		(198)		—		(554)		(301)		(882)		(1,935)
Recoveries	2		65		—		18		38		125		248
Net (Charge-offs) Recoveries	2		(133)		—		(536)		(263)		(757)		(1,687)
Balance at End of Period	$	28,385	$	30,693	$	4,653	$	10,919	$	16,181	$	2,440	$	93,271
(1) Excludes the provision for credits losses for unfunded commitments.


	Three Months Ended March 31, 2025
(dollars in thousands)	Commercial Real Estate		Commercial and Industrial		Commercial Construction		Business Banking		Consumer Real Estate		Other Consumer		Total Loans
Allowance for credit losses on loans:
Balance at beginning of period	$	30,254	$	37,084	$	4,893	$	10,681	$	15,776	$	2,806	$	101,494

Provision for credit losses on loans(1)	(493)		(3,643)		1,017		650		160		(202)		(2,511)
Charge-offs	—		(172)		(30)		(143)		(162)		(377)		(884)
Recoveries	134		145		—		25		133		474		911
Net Recoveries (Charge-offs)	134		(27)		(30)		(118)		(29)		97		27
Balance at End of Period	$	29,895	$	33,414	$	5,880	$	11,213	$	15,907	$	2,701	$	99,010
(1) Excludes the provision for credits losses for unfunded commitments.

Table of Contents

S&T BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 6. DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Derivatives Designated as Hedging Instruments

The following table indicates the amounts representing the value of derivative assets and derivative liabilities at the dates presented:

S&T BANCORP INC 10-Q