S&T BANCORP INC (STBA) FY2025 10-K Annual Report
S&T BANCORP INC (STBA) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
S&T BANCORP INC FY2025 10-K Analysis
Business Overview
- • Core business model: Regional community bank offering commercial and consumer lending, deposit services, and treasury management
- • New regulatory focus: Impact of the 2025 GENIUS Act enabling banks to issue stablecoins and provide related crypto services under a new regulatory framework
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in provided text
- • No segment performance data mentioned
Risk Factors
- • Interest rate risk exposure with asset sensitive balance sheet; pretax net interest income down up to (8.7%) over 12 months on a -400 basis points shock as of 12/31/2025
- • Funding mix changes and upcoming receive-fixed swap maturities reducing upside pretax net interest income growth in 1-12 month rate up scenarios vs 12/31/2024
S&T BANCORP INC FY2025 Key Financial MetricsXBRL
Revenue
$516M
▲ +0.1% YoY
Net Income
$134M
▲ +2.3% YoY
Net Margin
26.0%
▲ +54bp YoY
ROE
9.2%
▼ -34bp YoY
Total Assets
$9.9B
▲ +2.2% YoY
EPS (Diluted)
$3.49
▲ +2.3% YoY
Operating Cash Flow
$134M
▼ -22.9% YoY
Source: XBRL data from S&T BANCORP INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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