Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Comm re (29%), home mtgs (19%), comm loans (11%), securities (10%), home eq lns (5%), cash (2%), consumer loans (1%), other (22%)
States with Branches:
OH, PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
S&T Bancorp, Inc.
Investment Rating
Address
800 Philadelphia Street
Indiana, PA 15701
Indiana, PA 15701
Phone Number
(724) 349-1800
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.