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Dec 31, 2025
S&T Bancorp Q4 2025 Earnings Report
S&T Bancorp reported solid Q4 2025 results with stable net interest income, moderate loan growth, and maintained asset quality metrics despite a rise in net charge-offs.
Key Takeaways
S&T Bancorp closed Q4 2025 with net income of $33.97 million and EPS of $0.89. While net charge-offs rose significantly, net interest margin improved, supported by loan growth and controlled expenses.
Net income was $34.0 million, slightly down from Q3 but up year-over-year.
Net interest income grew to $91.0 million, with NIM expanding to 3.99%.
Total portfolio loans increased $91.0 million, or 4.52% annualized.
Higher net charge-offs of $11.0 million due to resolution of nonperforming assets.
Revenue by Segment
Forward Guidance
S&T Bancorp remains focused on executing its growth strategy in 2026, supported by a strong capital position and disciplined risk management.
Positive Outlook
- Robust capital position with strong regulatory ratios.
- Continued loan growth in commercial and residential segments.
- Improving net interest margin despite rate pressures.
- Stable efficiency ratio reflects good cost control.
- New $100 million share repurchase program authorized.
Challenges Ahead
- Net charge-offs rose significantly in Q4 2025.
- Allowance for credit losses declined compared to prior quarter.
- Nonperforming assets increased from Q3 levels.
- Interest income showed slight yield compression on assets.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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