• CD increase mostly due to migration; $88 million of net new money o DEPOSIT MIGRATION FROM/TO $300 $200 $153 $100 $17 $0 ($88) ($100) ($200) DDA NOW CD Total MM SAV Dollars in millions Funding Capacity Capacity Used Available FHLB $2,965 $624 $2,341 Federal Reserve Window 794 0 794 Federal Reserve BTLF 731 0 731 Total Funding Sources $4,490 $624 $3,866 | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |---------|-------------------|----------|--------------------------------- ...

Turning to page 10. We continue to pay significant attention to our CRE exposures. We have depicted for you an analysis of our CRE as a percentage of total loans, CRE sub-mix -- sub-segments as a percentage of total loans and our office exposure. As part of our portfolio management practices, we regularly stress test each property to apply stressed net operating income assumptions and to reflect the current rate environment in order to identify potential future issues. With regard to our construction loan b ...

1.20% 0.90% 0.60% 0.30% 0.00% -0.30% $150 $120 $90 $60 $30 $0 4Q21 2Q22 4Q22 1Q22 3Q22 2.50% O 2.00% O 1.50% 1.00% 0.50% - of 0.00% % Nonperforming Assets Dollars in millions 13 Net Interest Income • Net interest income increased | --- | --- | --- | --- | --- | --- | --- | |----------------------------------------------------|-----------------|-------|-------|-------|-------|-------| | $5.3 million, or 6%, due to higher interest rates | | | | | | | | NIM expanded 29 bps to 4.33% | | | | | | | | Loan Rate | ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ☒ EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or 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 incorporati ...

Mark Kochvar - CFO Chris McComish - CEO Dave Antolik - President Operator Thank you, and good afternoon, everyone. And thank you for participating in today's conference call. You can follow along with the slide portion of the presentation by clicking on the page advance button at the bottom of your screen. Before beginning the presentation, I want to take time to refer you to our statement about forwardlooking statements and risk factors, which is on Page 2. This statement provides the cautionary language r ...

S&T Bancorp, Inc. (NASDAQ:STBA) Q3 2022 Earnings Conference Call October 20, 2022 1:00 PM ET Company Participants Mark Kochvar - Chief Financial Officer Chris McComish - Chief Executive Officer Dave Antolik - President Conference Call Participants Daniel Tamayo - Raymond James Michael Perito - KBW Matthew Breese - Stephens, Inc. Daniel Cardenas - Janney Montgomery Scott Operator Good day, ladies and gentlemen. Thank you for standing by. Welcome to the S&T Bancorp’s Third Quarter Earnings Conference Call. At ...

Third Quarter 2022 Earnings Supplement Forward Looking Statements and Risk Factors 2 This information contains or incorporates statements that we believe are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements generally relate to our financial condition, results of operations, plans, objectives, outlook for earnings, revenues, expenses, capital and liquidity levels and ratios, asset levels, asset quality, financial position and ...

S&T Bancorp, Inc. (NASDAQ:STBA) Q2 2022 Earnings Conference Call July 21, 2022 1:00 PM ET Company Participants Mark Kochvar - CFO Chris McComish - CEO Dave Antolik - President Conference Call Participants Daniel Tamayo - Raymond James Michael Perito - KBW Russell Gunther - D.A. Davidson Samuel Varga - Stephens Inc Operator Good day, ladies and gentlemen, and welcome to the S&T Bancorp, Inc. Second Quarter Earnings Conference Call [Operator Instructions]. It is now my pleasure to turn the floor over to your ...

Second Quarter 2022 Earnings Supplement Forward Looking Statements and Risk Factors 2 This information contains or incorporates statements that we believe are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements generally relate to our financial condition, results of operations, plans, objectives, outlook for earnings, revenues, expenses, capital and liquidity levels and ratios, asset levels, asset quality, financial position, an ...

S&T Bancorp, Inc. (NASDAQ:STBA) Q1 2022 Results Conference Call April 21, 2022 1:00 PM ET Company Participants Dave Antolik - President Chris McComish - CEO Mark Kochvar - CFO Conference Call Participants Daniel Tamayo - Raymond James Michael Perito - KBW Russell Gunther - D.A. Davidson Matthew Breese - Stephens Daniel Cardenas - Boenning & Scattergood Operator Good day, ladies and gentlemen, and welcome to the S&T Bancorp First Quarter Earnings Conference Call. [Operator Instructions] It is now my pleasur ...