S&T Bank
Indiana, Pennsylvania · FDIC Cert #11124
S&T Bank is an FDIC-insured bank (Certificate #11124) with $9.6B in total assets and $7.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Indiana, Pennsylvania, the bank maintains a Tier 1 capital ratio of 13.60% (Well-Capitalized) and a nonperforming loan ratio of 0.45%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
S&T Bank (FDIC cert 11124) is a mid-sized bank with $9.6B in total assets and $7.7B in deposits, based in Indiana, Pennsylvania. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.60% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.45% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 12.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.72% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. S&T Bank carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: S&T Bank
- Total Assets
- $9.6B
- Total Deposits
- $7.7B
- Tier 1 Capital Ratio
- 13.60%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.45%
- Liquidity Ratio
- 12.67%
- Return on Assets
- 1.72%
- Headquarters
- Indiana, Pennsylvania
- FDIC Certificate
- #11124
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, S&T Bank holds a Tier 1 capital ratio of 13.60%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning S&T Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
S&T Bank shows strong financial health indicators. With $9.6B in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How S&T Bank Compares
S&T Bank’s Health Score of 75 is 5 points above the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 13.60% Tier 1 capital ratio is 0.4 points below the US banking industry average near 14%. The 0.45% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.72% is in line with or above the national ROA benchmark of ~1.1%. Among 178 similarly-sized banks, the average Health Score is 76, meaning this bank ranks below its size cohort. Site-wide, S&T Bank is 5 points above the portfolio average of 70.
Frequently Asked Questions
S&T Bank has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.60%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. S&T Bank's Tier 1 capital ratio of 13.60% and nonperforming loan ratio of 0.45% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at S&T Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11124). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
S&T Bank holds $9.6B in total assets and $7.7B in total deposits. It is headquartered in Indiana, Pennsylvania (FDIC Certificate #11124).
S&T Bank has a Tier 1 capital ratio of 13.60%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.45%, and the return on assets is 1.72%.
Yes. S&T Bank is FDIC-insured (Certificate #11124). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
S&T Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.