S&T Bank

What S&T Bank does

S&T Bank is the primary banking subsidiary of S&T Bancorp, Inc. (NASDAQ: STBA), a $9 billion-asset financial holding company headquartered in Indiana, Pennsylvania. Founded in 1902 as the "Savings & Trust Company of Indiana," the bank has operated continuously for over 123 years and today serves consumers, small and mid-sized businesses, and commercial clients through a network of more than 70 branches and ATMs spanning western, central, and southeastern Pennsylvania plus Northeast Ohio (Pittsburgh, Philadelphia, Harrisburg, Lancaster, Akron, and surrounding markets).

The bank's product platform is organized across four pillars: Personal Banking (Preferred, Select, Four Star, Smart Start, Interest, Armed Forces, and Easy Banking checking accounts; Statement, Preferred, My Choice, Moola Moola, and Money Market savings; CDs at 3.25%–3.50% APY; and personal/home equity loans); Business Banking (Basic Business Checking with up to $900 in new-account incentives, Treasury Advantage, Merchant Services, and Business Online Banking with QuickBooks integration); Commercial Banking (C&I financing, Commercial Real Estate, Floor Plan Lending, Treasury Management with Positive Pay fraud protection, and Commercial Credit Cards); and Wealth Management delivered through a strategic partnership with Ameriprise Financial Institutions Group. Digital delivery is provided via a mobile app and online banking platform supporting Zelle person-to-person payments, Apple Pay/Google Pay/Samsung Pay digital wallets, mobile check deposit, bill pay, and a Personal Finance Tool for budgeting.

S&T Bank generates revenue primarily through net interest income on its loan portfolio (commercial real estate, commercial and industrial, consumer real estate, and personal loans), supplemented by deposit-related fees (including a $36 overdraft fee), treasury management and merchant services fees, debit card interchange, and referral economics from the Ameriprise wealth partnership. Distribution is hybrid: direct-to-consumer via the branch network and digital self-service channels for retail clients, and a sales-led relationship-banking model with dedicated commercial bankers and treasury specialists for business and commercial customers. The bank is regulated, FDIC-insured, and operates as an Equal Housing Lender.

Name

S&T Bank

Legal name

S&T Bank

Website

https://stbank.com

Company type

Public

Founded year

1903

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

S&T Bank is the banking subsidiary of $9B-asset S&T Bancorp (NASDAQ: STBA), offering personal, business, commercial, and wealth management banking products across 70+ branches in Pennsylvania and Ohio.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Finance and Insurance (52)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Treasury management
• Financial planning

Headquarters

HQ city

Indiana

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: S&T Bank generates revenue primarily through interest earned on loans including commercial real estate loans, commercial and industrial loans, consumer real estate loans, and personal lending products
2. Deposit Account Fees and Charges: Revenue from overdraft fees ($36 per occurrence), account service fees, and other deposit-related charges
3. Commercial Banking Services: Treasury management fees, merchant services revenue, commercial lending fees, and business account service charges
4. Financial Planning Referral Fees: Partnership revenue through Ameriprise Financial for investment services and financial planning referrals
5. Interchange and Card Fees: Debit card transaction fees and interchange revenue from card usage at ATMs and merchants

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

S&T Bank is a community bank subsidiary of S&T Bancorp, Inc. providing personal checking and savings accounts, certificates of deposit, consumer loans, and mortgages; small business and commercial banking services including commercial & industrial financing, commercial real estate financing, floor plan lending, treasury management, and merchant services; and wealth/financial planning services delivered through a partnership with Ameriprise Financial. The bank distributes these services via a 70+ branch network across Pennsylvania and Ohio, complemented by mobile and online banking platforms.

Product overview

S&T Bank offers a comprehensive banking platform structured across multiple service tiers: Personal Banking (checking accounts including Preferred Banking, Select Banking, Four Star Banking, Smart Start Banking, Interest Checking, Armed Forces Banking, and Easy Banking; savings products including Statement Savings, Preferred Savings, My Choice Account, Moola Moola Savings, Personal Money Market, and Certificates of Deposit); Business Banking (Basic Business Checking, Treasury Advantage, Merchant Services, and Business Online Banking); Commercial Banking (Commercial & Industrial Financing, Commercial Real Estate Financing, Floor Plan Lending, Treasury Management, and Commercial Credit Cards); and Financial Planning services through an Ameriprise partnership. Digital banking capabilities are delivered through Online Banking and Mobile App platforms, with integrated payment solutions including Zelle and digital wallets (Apple Pay, Google Pay, Samsung Pay).

Differentiator

Problem solved

Functional benefit

Brands

• S&T Financial Services: Financial planning and investment services offered through partnership with Ameriprise Financial Institutions Group
• S&T Solution Center
• People-Forward Banking

Products and services

• Personal Checking Accounts
• Personal Savings Accounts
• Certificates of Deposit (CDs)
• S&T Bank Mobile App and Online Banking
• Basic Business Checking
• Business Online Banking
• Merchant Services
• Commercial & Industrial Financing
• Commercial Real Estate Financing
• Floor Plan Lending
• Treasury Management
• Commercial Credit Cards
• Home Equity Total Line of Credit
• S&T Financial Services (Ameriprise Partnership)

Quantifiable outcome

• 3 consecutive years recognized on Forbes America's Best Banks list
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

One partnership is on record.

• Ameriprise Financial Services, LLCcoreStrategic or Co-development PartnerS&T Bank offers an investment services program through Ameriprise Financial Institutions Group. Financial advisors are available for on-site financial planning, extensive investment solutions, and digital capabilities. This partnership provides S&T customers access to comprehensive financial planning, retirement planning, investment management, insurance, and annuities through licensed advisors.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• F.N.B. Corporation: Pittsburgh-based regional bank with similar PA/OH presence, comparable deposit/lending franchise, and consumer/commercial/wealth business mix — a close regional peer serving overlapping markets.
• CNB Financial Corporation: Pennsylvania-based community bank (Clearfield/State College) with consumer and commercial banking across Central and Western PA — directly comparable in scale and regional focus.
• Univest Financial Corporation: PA-headquartered community bank with consumer, business banking, mortgage, and wealth management products serving Eastern and Central PA markets — overlaps S&T's PA footprint with similar product breadth.
• WSFS Financial Corporation: Greater Philadelphia/Delaware-based regional bank with consumer, commercial, and wealth management services; overlaps with S&T's Southeastern PA branches and competes for similar SMB and middle-market clients.
• ACNB Corporation: South Central PA community bank offering consumer, business, and commercial banking; smaller in scale but directly comparable in operating model and PA market overlap.
• First Commonwealth Financial Corporation: Pennsylvania-headquartered community bank with comparable branch footprint across Western and Central PA, similar asset size, and overlapping consumer/business/commercial banking products — a direct regional peer to S&T.
• Northwest Bancshares, Inc. Pennsylvania-based community-oriented bank with branch network across PA, OH, and NY offering similar deposit, lending, and digital banking products — comparable in scale and community-banking positioning.

Broad incumbents

• PNC Financial Services Group: Pittsburgh-headquartered super-regional bank with massive PA footprint; competes head-to-head with S&T in consumer and commercial banking across all of S&T's core PA markets, but operates at vastly larger scale with full national capabilities.
• M&T Bank Corporation: Large super-regional bank with strong presence across PA, NY, and Mid-Atlantic; offers overlapping consumer, commercial, and wealth services and competes with S&T in PA metros, though at materially larger scale.

Regional players

• Customers Bancorp, Inc. PA-based commercial bank with national commercial lending reach; comparable business/commercial banking products and PA headquarters, but operates a digital-light model with broader geographic commercial client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/stbank
• Facebookfacebook.com/OfficialSTBank
• LinkedInlinkedin.com/company/s-t-bank
• Instagraminstagram.com/stbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about S&T Bank