S&T Bank: how it compares with its peers
Against 9 PA banks with half to twice its assets, S&T Bank's strongest measure in Q2 2026 is return on assets (1.47% vs. a 1.32% peer median). Its weakest relative measure is assets per employee ($8.3M vs. $8.7M).
| Measure | S&T Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.32% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.95% | 3.89% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.97% | 55.39% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $8.7M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.07% | 93.74% | Context |
What it means for lending operations
Its efficiency ratio of 54.97% is better than the 55.39% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CNB Bank Clearfield, PA · $8.41B
- Univest Bank and Trust Co. Souderton, PA · $8.17B
- First Commonwealth Bank Indiana, PA · $12.18B
- Dollar Bank, Federal Savings Bank Pittsburgh, PA · $12.70B
- Mid Penn Bank Millersburg, PA · $7.04B
- Firstrust Savings Bank Conshohocken, PA · $5.62B
Questions about S&T Bank
How big is S&T Bank?
S&T Bank, established in 1902, is headquartered in Indiana, PA. It reported $9.94B in total assets in its Q2 2026 FDIC call report and operates 76 offices.
What is S&T Bank's return on assets?
1.47% annualized in Q2 2026, against a 1.32% median for 9 PA banks with half to twice its assets, ahead of 78% of them.
What is S&T Bank's efficiency ratio?
54.97% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 55.39%, and lower is better.
Is S&T Bank growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.