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Regulatory Matters | 12 Months Ended
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Dec. 31, 2016
Banking and Thrift [Abstract] |
Regulatory Matters | REGULATORY MATTERS We are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our consolidated financial statements. Under capital guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Our capital amounts and classification are also subject to qualitative judgments by the regulators about risk weightings and other factors. The most recent notifications from the Federal Reserve and the FDIC categorized S&T and S&T Bank as well capitalized under the regulatory framework for corrective action. There have been no conditions or events that we believe have changed S&T or S&T Bank’s status during 2016 and 2015. Common equity tier 1 capital includes common stock and related surplus plus retained earnings, less goodwill and intangible assets subject to a limitation and certain deferred tax assets subject to a limitation. In addition, we made a one-time permanent election to exclude accumulated other comprehensive income from capital. For regulatory purposes, trust preferred securities totaling $20.0 million, issued by an unconsolidated trust subsidiary of S&T underlying junior subordinated debt, are included in Tier 1 capital for S&T. Total capital consists of Tier 1 capital plus junior subordinated debt and the ALL subject to limitation. We currently have $25.0 million in junior subordinated debt which is included in Tier 2 capital for S&T in accordance with current regulatory reporting requirements. Quantitative measures established by regulation to ensure capital adequacy require us to maintain minimum amounts and ratios of Total, Tier 1 and Common Equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. As of December 31, 2016 and 2015, we met all capital adequacy requirements to which we are subject. The following table summarizes risk-based capital amounts and ratios for S&T and S&T Bank:
| Actual |  | Minimum Regulatory Capital Requirements |  | To be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands) | Amount |  | Ratio |  |  | Amount |  | Ratio |  |  | Amount |  | Ratio |
As of December 31, 2016 |  |  |  |  |  |  |  |
Leverage Ratio |  |  |  |  |  |  |  |
S&T | $ | 582,155 |  | 8.98 | % |  | $ | 259,170 |  | 4.00 | % |  | $ | 323,963 |  | 5.00 | %
S&T Bank | 542,048 |  | 8.39 | % |  | 258,460 |  | 4.00 | % |  | 323,075 |  | 5.00 | %
Common Equity Tier 1 (to Risk-Weighted Assets) |  |  |  |  |  |  |  |
S&T | 562,155 |  | 10.04 | % |  | 252,079 |  | 4.50 | % |  | 364,114 |  | 6.50 | %
S&T Bank | 542,048 |  | 9.71 | % |  | 251,213 |  | 4.50 | % |  | 362,864 |  | 6.50 | %
Tier 1 Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |
S&T | 582,155 |  | 10.39 | % |  | 336,105 |  | 6.00 | % |  | 448,140 |  | 8.00 | %
S&T Bank | 542,048 |  | 9.71 | % |  | 334,951 |  | 6.00 | % |  | 446,601 |  | 8.00 | %
Total Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |
S&T | 664,184 |  | 11.86 | % |  | 448,140 |  | 8.00 | % |  | 560,175 |  | 10.00 | %
S&T Bank | 622,469 |  | 11.15 | % |  | 446,602 |  | 8.00 | % |  | 558,252 |  | 10.00 | %
As of December 31, 2015 |  |  |  |  |  |  |  |
Leverage Ratio |  |  |  |  |  |  |  |
S&T | $ | 535,234 |  | 8.96 | % |  | $ | 238,841 |  | 4.00 | % |  | $ | 298,551 |  | 5.00 | %
S&T Bank | 502,114 |  | 8.43 | % |  | 238,121 |  | 4.00 | % |  | 297,651 |  | 5.00 | %
Common Equity Tier 1 (to Risk-Weighted Assets) |  |  |  |  |  |  |  |
S&T | 515,234 |  | 9.77 | % |  | 237,315 |  | 4.50 | % |  | 342,788 |  | 6.50 | %
S&T Bank | 502,114 |  | 9.55 | % |  | 236,482 |  | 4.50 | % |  | 341,584 |  | 6.50 | %
Tier 1 Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |
S&T | 535,234 |  | 10.15 | % |  | 316,419 |  | 6.00 | % |  | 421,892 |  | 8.00 | %
S&T Bank | 502,114 |  | 9.55 | % |  | 315,309 |  | 6.00 | % |  | 420,412 |  | 8.00 | %
Total Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |
S&T | 611,859 |  | 11.60 | % |  | 421,892 |  | 8.00 | % |  | 527,366 |  | 10.00 | %
S&T Bank | 577,824 |  | 11.00 | % |  | 420,412 |  | 8.00 | % |  | 525,515 |  | 10.00 | %

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826 + Details
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