S&T Bank

Overview / Commentary
800 Philadelphia Street
Indiana, PA 15701

S&T Bank is headquartered in Indiana and is the 9th largest bank in the state of Pennsylvania. It is also the 171st largest bank in the nation. It was established in 1902 and as of June of 2022, it had grown to 1,178 employees at 75 locations. S&T Bank has an A health rating.

really great bank

well I have been banking with this bank for about 10 years now and they are wonderful customer service is always great.they do the 35 fee if so gets overdrawn well all i have to do is call them and let them know what happened and they dont charge me that fee.I will stay with this bank as long as it stays open i really enjoy going in their to the always have coffee and cookies for the customers lollipops for the kids its a very nice building very comfortable inside.

20 Years Plus With Stbank

Posted by: |

Most of the rating here are from transplants. Whlle STBank is not perfect, its def not the worst bank, nor does it deserve such a low rating.

The good with STBank is the online website, easy to pay bills, pay people, they have a great Money Market Rate, most branches are good, a few arent. They are stable, they arent too big and always take care of anything that happens, scammers hacked my bank card account and racked thousands of dollars in charges, they took care of it fast and it didnt impact me at all.

The bad is some BS charges, you need to get the right checking account to avoid charges, get online statements, ect. Most of the complaints are common charges from local, brick and mortar banks, STBank might be alil more.

The call center is not great, I have called many times, and they seem to have comm gap between them and local branches, people make mistakes, but the call center isnt the best. Their loan rates arent always the best either but they have good promo deals on cd's and loans, their money market rate is excellent for a local bank, best around.

Not enough branches in my area, this is what has made me want to change but the money market rate is so good now, I am staying.

Horrible Bank

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Like many said I'd give this bank negative stars if possible. I've been with them since I was 18, almost 10 years that let's you know how long I've put up with their bs.
They have like... 4 or 5 atms in the Pittsburgh area if you use a non S&T ATM you get charged by the other ATM/bank AND S&T. So about $6 or so to take your own money out when you don't have an ATM in any near vacinity.
I tried to get a credit card something that the people at there service system basically begged me to do. Despite banking with them for years I couldn't get a credit card, couldn't get a car loan because I don't have enough credit. But I've been a customer for years please keep that in mind. I've opened credit cards with others no issue.
The saving account interest rate is horribly low. Their app sucks.
Just don't bank here. Go to dollar bank if you like smaller banks.

Avoid S&T Bank

Involuntarily became a customer a few years ago when my previous bank of twenty years was bought out by S&T Bank. They are just plain horrible. Wish my old bank had done their homework on these idiots before merely dumping us off to the highest bidder.
Among the most irritating of all the issues are the ridiculously high fees on just about any service or bank function you could imagine. They have spotty ATM service due to frequent __S&T__ based failures, problems that have nothing to do with the wider network. You're talking no ATM service for an entire weekend - this occurs several times a year. If you want to use another bank's ATM in that case you get hit with a big S&T fee. They have some of the highest loan interest rates around. Their customer service is lousy, in both brick-and-mortar and bank-by-phone. Concerning their bank-by-phone service, it took S&T over three years to ask for my password instead of my SS# (as they had offered and I had requested). When I complained about this, even the customer service manager could not wrap his brain around the fact that my unpublished (memorized) password is infinitely more secure than a SS#, especially in this time of business website breaches and identity theft. All he could offer were endless empty excuses while it was clear he couldn't have cared less. Even their phone-banking automated teller is laughingly bad. Whenever I use the "ExpressLine" bank-by-phone system (always reluctantly), it is like being transported back to 1982. It doesn't sound even close to the way a human being talks. It moves way too fast; it runs words together with little or no time between phrases, making it _very_ hard to understand what your choices are at any given time. Then, unbelievably, it threatens to end the call within a second or two of the last choice offered if you don't press a button while trying to figure out what this stupid thing just blurted out. If you're able to make a selection before it throws you off, it keeps talking on the same menu level, then suddenly stops mid-sentence and then switches up to the next menu level. Just in case you've wondered, I don't typically have problems with other companies' automated phone bots. It's just that S&T's phone bot is flat-out, jaw-dropping bad. And they don't care - I've told them about this issue many times and always get the same response, bad attitudes and impatience.
LOL, this crap bank even tried to rip my kids off with their coin-counting machine - the totals were way off even after taking S&T's ridiculous fee into account. The same old tired excuses were offered for that one, too.
Sorry for the long post; so many issues - I don't have time to post more.
My entire family (six accounts) will be leaving for another bank soon.



Health Grade Components

FDIC Certificate #11124
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD10.08%
Annual Interest Income$147.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$9.10B$9.49B
LoansQ2 2022vs Q2 2021$6.94B$6.91B
DepositsQ2 2022vs Q2 2021$7.62B$8.03B
Equity CapitalQ2 2022vs Q2 2021$1.18B$1.20B
Loan Loss AllowanceQ2 2022vs Q2 2021$98.1MM$109.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$30.6MM$111.4MM
Real Estate OwnedQ2 2022vs Q2 2021$7.0MM$1.1MM

Rates for S&T Bank are currently being reviewed.



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