S&T Bancorp(STBA) - 2025 Q4 - Earnings Call Presentation

Financial Performance - Full Year 2025 - Net income reached $134.2 million[9] - Earnings per share (EPS) amounted to $3.49[9] - Return on average assets (ROA) was 1.38%[9] - Return on average equity (ROE) stood at 9.29%[9] Financial Performance - Fourth Quarter 2025 - Net income totaled $34.0 million[13] - Earnings per share (EPS) were $0.89[13] - Return on average assets (ROA) was 1.37%[13] - Return on average equity (ROE) stood at 9.13%[13] - Pre-provision net revenue to average assets (PPNR) increased by 6 basis points to 1.95%[16] - Net interest margin (NIM) expanded by 6 basis points to 3.99%[16] Balance Sheet - Total loan growth reached $329.0 million, a 4.25% increase[9, 11] - Total deposit growth was $175.7 million, with customer deposit growth of $220.5 million, representing a 2.92% increase[9, 11] - Loan growth of $91.0 million, annualized at 4.52%, primarily in commercial loans[13, 24] - Total deposit growth of $36.9 million, annualized at 1.85%, with customer deposit growth of $56.9 million, annualized at 2.92%[13, 24] Asset Quality - Net loan charge-offs were $11.0 million, representing 0.54% of total loans[33] - The allowance for credit losses (ACL) decreased by 8 basis points to 1.15% compared to 1.23% at the end of the previous quarter[33] Capital Management - The company repurchased 948,270 shares for $36.2 million in the fourth quarter[16, 54] - A new share repurchase authorization of $100 million was approved in January 2026[16, 54]