S&T Bancorp, Inc. (NASDAQ:STBA) Q4 2023 Results Conference Call January 25, 2024 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 Manuel Navas - D.A. Davidson Matthew Breese - Stephens Inc Daniel Cardenas - Janney Montgomery Scott Operator Welcome to the S&T Bancorp Fourth Quarter 2023 Conference Call. After the management's remarks, there will be a question-and-answer session. Now ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________________________________ 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 FORM 10-Q ______________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 S&T BANCORP INC. (Exact name of registrant as specified in its charter) ____________________ ...

S&T Bancorp, Inc. (NASDAQ:STBA) Q3 2023 Results Conference Call October 19, 2023 1:00 PM ET Company Participants Mark Kochvar - CFO Chris McComish - CEO Dave Antolik - President Conference Call Participants Daniel Tamayo - Raymond James Matthew Breese - Stephens Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Michael Perito - KBW Operator Welcome to the S&T Bancorp Third Quarter 2023 Conference Call. After management’s remarks, there will be a question-and-answer session. Now, I’d lik ...

Financial Performance - Pre-provision Net Revenue (PPNR) to Average Assets (non-GAAP) was 2.30%[2], which increased by 7 basis points compared to 1Q23[11] - Return on Average Tangible Shareholders' Equity (ROTE) (non-GAAP) was 16.32%[3] - Net Interest Margin (NIM) remains strong at 4.22%, a modest decline of 10 basis points compared to 1Q23[11, 18] - The efficiency ratio was 48.21%[11] Asset Quality - Net charge-offs were $11.0 million, or 0.60% of average loans (annualized)[11] - Nonperforming Assets decreased $9.7 million to 0.25% of total loans plus OREO[30] Capital and Balance Sheet - Tangible common equity to tangible assets (non-GAAP) was 9.42%[5] - Loans increased $68.5 million, or 3.8% annualized, since March 31, 2023[12] - Share repurchases of $20.0 million occurred in 2Q23[48] Income and Expense - Quarterly net interest income has improved $19.7 million, or 28.8%, since the fourth quarter of 2021[32] - Noninterest expense decreased by $2.0 million compared to 1Q23[35]

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 June 30, 2023 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 BANC ...

S&T Bancorp, Inc. (NASDAQ:STBA) Q2 2023 Earnings Conference Call July 20, 2023 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 Manuel Navas - D.A. Davidson Daniel Cardenas - Janney Montgomery Scott Operator Welcome to the S&T Bancorp Second Quarter 2023 Conference Call. After the management's remarks, there will be a question-and-answer sess ...

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, 2023 Securities registered pursuant to Section 12(b) of the Act: 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 n ...

• 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 | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |---------|-------------------|----------|--------------------------------- ...

S&T Bancorp, Inc. (NASDAQ:STBA) Q1 2023 Earnings Conference Call April 20, 2023 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 Manuel Navas - D.A. Davidson Matthew Breese - Stephens Operator Welcome to the S&T Bancorp First Quarter 2023 Conference Call. After the management remarks, there will be a question-and-answer session. Now I’d like ...

Financial Performance Highlights - Net interest income increased by $5.3 million, representing a 6% increase, driven by higher interest rates[5] - Net Interest Margin (NIM) expanded by 29 basis points to 4.33% due to higher interest rates[5] - Full year 2022 Return on Average Assets (ROA) was 1.48%[61] - Full year 2022 Return on Average Equity (ROE) was 11.47%[61] - The company declared a dividend of $0.32, a 10.3% increase compared to the same period in the prior year[59] Balance Sheet and Asset Quality - Total loans reached $7.2 billion[66] - Total deposits amounted to $7.2 billion[66] - Nonperforming assets decreased by 23%, or $6.7 million[81] - Commercial Real Estate loans accounted for 44% of the total loan mix at $3,128 million[11,13] - Consumer loans accounted for 27% of the total loan mix at $1,938 million[11,13] Deposit Mix - Demand Deposit Accounts (DDA) represent 36% of total deposits, amounting to $2,589 million[17,22] - Money Market accounts represent 24% of total deposits, amounting to $1,731 million[18,22] - Savings accounts represent 15% of total deposits, amounting to $1,118 million[19,22] - Certificates of Deposit (CDs) represent 13% of total deposits, amounting to $935 million[20,22] - Interest Bearing DDA represent 12% of total deposits, amounting to $847 million[21,22]