S&T Bank

S&T Bank is headquartered in Indiana and is the 11^st largest bank in the state of Pennsylvania. It is also the 184^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 980 employees at 60 locations. S&T Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics S&T Bank FDIC Certificate # 11124 BankRate Report View Year Established 1902 Employees 980 Primary Regulator FDIC Assets and Liabilities Assets $4.31 billion Loans $3.15 billion Deposits $3.53 billion Equity Capital $491.99 million Loan Loss Allowance $47.83 million Unbacked Noncurrent Loans $60.02 million Real Estate Owned $3.36 million Historic Data - March 2011 Assets $4.07 billion Equity Capital $458.81 million Loan Loss Allowance $61.66 million Unbacked Noncurrent Loans $72.14 million Real Estate Owned $7.70 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.39% Return on Equity 3.36% Interest Income $39.04 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 S&T Bank had $63.39 million in non-current loans and owned real-estate with $539.82 million in equity and loan loss allowances on hand to cover it. This gives S&T Bank a Texas Ratio of 11.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for S&T Bank decreased slightly from 16.15% as of March 31, 2011 to 11.74% as of March 31, 2012, resulting in a positive change of 27.30%.This indicates that the balance sheet and financial strength for S&T Bank has improved slightly in recent periods. Deposit Growth In the past year, S&T Bank has increased its total deposits by $116.76 million, resulting in 3.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth S&T Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. S&T Bank has $4.31 billion in assets with $539.82 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

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