S&T Bancorp(US:STBA)2025-10-23 17:00Earnings and Profitability - The company reported earnings per share (EPS) of $0.91 and net income of $35.0 million[9] - Return on Assets (ROA) was 1.42% and Return on Equity (ROE) was 9.48%[9] - Return on Tangible Equity (ROTE) reached 12.81% and Pre-Provision Net Revenue (PPNR) was 1.89%[9] Balance Sheet - Loan growth was $46.6 million, representing an annualized growth rate of 2.33%[9] - Deposit growth was $1.0 million, with an annualized growth rate of 0.05%[9] - Total deposits were $7.922 billion in 3Q25, compared to $7.921 billion in 2Q25[16] - Demand Deposit Accounts (DDA) represent 28% of total deposits[18] Asset Quality - Allowance for Credit Losses (ACL) was 1.23%[9] - Net loan charge-offs were $2.4 million, or 0.12% of total loans[9, 27] - Nonperforming Assets (NPAs) were 0.62% of total loans plus OREO[9, 27] Net Interest Income - Net interest income grew by $2.6 million, or 3.00%, compared to 2Q25[11, 34] - Net Interest Margin (NIM) (FTE) expanded by 5 basis points to 3.93%[11, 34] Non-interest Items - Noninterest income was $13.8 million, a $0.3 million increase from 2Q25[36] - Noninterest expense was $56.4 million, a $1.7 million decrease from 2Q25[41] Capital - Tangible Common Equity to Tangible Assets (TCE / TA) ratio was 11.65%[46]