S&T Bancorp(US:STBA)2025-07-24 17:00Earnings and Profitability - The company reported earnings per share (EPS) of $0.83 and net income of $31.9 million[8] - Return on Assets (ROA) was 1.32% and Return on Equity (ROE) was 8.91%[8] - Return on Average Tangible Shareholders' Equity (ROTE) reached 12.12%, while Pre-Provision Net Revenue (PPNR) was 1.73%[8] Balance Sheet - Loan growth amounted to $98.1 million, representing an annualized growth rate of 5.02%[8, 18] - Deposit growth was $28.0 million, with an annualized growth rate of 1.42%[8, 18] - The company's total deposits reached $7.921 billion in 2Q25, compared to $7.893 billion in 1Q25[15] Asset Quality - The Allowance for Credit Losses (ACL) ratio was 1.24%[8, 26] - Net loan charge-offs were $1.2 million, or 0.06% of total loans[8, 26] - Nonperforming Assets (NPAs) represented 0.27% of total portfolio loans plus OREO[8, 26] Net Interest Income - Net interest income grew by $3.3 million, a 3.90% increase compared to 1Q25[10, 32] - Net Interest Margin (NIM) expanded by 7 basis points to 3.88%[8, 10, 32] Noninterest Income and Expense - Noninterest income totaled $13.5 million, a $3.1 million increase compared to 1Q25[34] - Noninterest expense was $58.1 million, a $3.0 million increase compared to 1Q25, primarily due to higher salaries & benefits[39] Capital Adequacy - Tangible Common Equity (TCE) to Tangible Assets (TA) ratio was 11.34%[44, 49]