S&T Bancorp (STBA) Investor presentation summary

Corporate profile and market position

• Founded in 1902, with $9.9 billion in assets, $8.2 billion in deposits, and $8.0 billion in loans as of 1Q26.

• Serves 131,000 households across Pennsylvania and Ohio, with a footprint covering 9.8 million people and 222,000 businesses.

• Operates over 70 locations with 1,200 team members.

• Recognized as a top workplace and among America's best banks.

Strategic direction and priorities

• Focused on profitable, sustainable growth through people-forward banking and shared values.

• Key drivers include deposit franchise, core profitability, asset quality, and talent engagement.

• Strategic priorities are organic growth, disciplined capital management, and maintaining strong asset quality.

Financial performance and targets

• 1Q26 net income was $35.1 million, with EPS of $0.94, up 5.6% from 4Q25 and 8.0% from 1Q25.

• Return on average assets at 1.44% and return on average equity at 9.77%.

• Net interest margin (FTE) strong at 3.92%; efficiency ratio (FTE) at 55.23%.

• Customer deposit growth of $306.5 million (16% annualized), with reduced wholesale funding.