BlastPoint's Banking Scorecard
S&T Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 11124
Indiana, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
S&T Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.9B
+2.2% YoY
+0.5% QoQ
|
-$592.1M |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$8.0B
+4.4% YoY
+1.2% QoQ
|
+$848.4M |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$8.0B
+1.9% YoY
+0.0% QoQ
|
-$568.6M |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.43%
+2.2% YoY
-0.1% QoQ
|
+0.27% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.94%
+1.5% YoY
+0.9% QoQ
|
+0.55% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
55.21%
-0.6% YoY
-1.1% QoQ
|
-1.39% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.70%
+90.4% YoY
+10.6% QoQ
|
+0.01% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
100.11%
+2.5% YoY
+1.2% QoQ
|
+14.64% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.17%
-2.4% YoY
-0.3% QoQ
|
+6.53% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.56%
+94.6% YoY
+11.4% QoQ
|
+0.06% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
14.30%
+0.6% YoY
-0.0% QoQ
|
+0.75% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.62%
-0.1% YoY
+34.1% QoQ
|
-0.34% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#34 of 87 · Bottom 38% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 100.11% · Tier avg: 85.47%
75
75th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.40%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.17% · Tier avg: 20.64%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.30% · Tier avg: 13.55%
72
72th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
69
69th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
67
67th pctile
Total Assets
Current: $9.9B · Tier avg: $10.5B
62
62th pctile
Total Deposits
Current: $8.0B · Tier avg: $8.5B
58
58th pctile
Efficiency Ratio
Current: 55.21% · Tier avg: 56.60%
43
43th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.68%
40
40th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.96%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
Top Weaknesses
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
40
40th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.96%
43
43th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.68%
58
58th pctile
Efficiency Ratio
Current: 55.21% · Tier avg: 56.60%
62
62th pctile
Total Deposits
Current: $8.0B · Tier avg: $8.5B
67
67th pctile
Total Assets
Current: $9.9B · Tier avg: $10.5B
69
69th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
72
72th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
73
73th pctile
Tier 1 Capital Ratio
Current: 14.30% · Tier avg: 13.55%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.17% · Tier avg: 20.64%
75
75th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.40%
90
90th pctile
Loan-to-Deposit Ratio
Current: 100.11% · Tier avg: 85.47%