| Metric | S&T Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.2 pts |
| ROA | 1.47% | 1.26% | +0.2 pts |
| ROE | 10.3% | 12.2% | -1.8 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.94B | $8.13B | $7.97B | $1.37B | $73.0M | 1.47% | 3.94% | 0.40% |
| Q1 2026 | $9.94B | $8.22B | $7.87B | $1.41B | $36.5M | 1.47% | 3.91% | 0.50% |
| Q4 2025 | $9.86B | $7.97B | $7.98B | $1.46B | $139.7M | 1.43% | 3.94% | 0.56% |
| Q3 2025 | $9.81B | $7.97B | $7.88B | $1.44B | $104.6M | 1.43% | 3.91% | 0.51% |
| Q2 2025 | $9.80B | $7.97B | $7.84B | $1.41B | $68.3M | 1.40% | 3.86% | 0.22% |
| Q1 2025 | $9.71B | $7.94B | $7.74B | $1.39B | $34.8M | 1.44% | 3.81% | 0.23% |
| Q4 2024 | $9.65B | $7.82B | $7.64B | $1.35B | $134.1M | 1.40% | 3.88% | 0.29% |
| Q3 2024 | $9.58B | $7.69B | $7.59B | $1.35B | $99.7M | 1.39% | 3.90% | 0.33% |
Loan mix (Q2 2026): real estate $6.39B · commercial $1.18B · consumer $80.1M · securities $1.01B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | S&T Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 59.0% | 38th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | S&T Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | S&T Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | S&T Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | S&T Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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