🏦Bank Scorer

S&T BANK

INDIANA, PA · Supervised by FDIC

Est. 1902FDIC #11,124RSSD: FDIC-11124
Part ofS&T BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Address

800 Philadelphia St, INDIANA, PA

County

Indiana County

Established

May 21, 1902

Total Assets

$9.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.9B

Total Deposits

$8.2B

Net Loans

$7.9B

Net Income

$37M

ROA

1.47%

ROE

10.18%

Risk-Based Capital

15.44%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate23.93%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

74

Branch Deposits

$8.0B

1-Year Change

+1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,93763.53%23.93%
20234,59463.04%23.68%
20225,69368.91%17.39%
20216,74472.29%12.41%
20206,69067.22%12.78%
20195,41270.33%14.95%
20183,91668.56%15.19%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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