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Loans and Loans Held for Sale (Tables) | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Composition of Loans | The following table summarizes the composition of originated and acquired loans as of the dates presented:
(dollars in thousands) | December 31, 2021 |  | December 31, 2020
Commercial |  |  |
Commercial real estate | $ | 3,236,653 |  |  | $ | 3,244,974 |
Commercial and industrial | 1,728,969 |  |  | 1,954,453 |
Commercial construction | 440,962 |  |  | 474,280 |
Total Commercial Loans | 5,406,584 |  |  | 5,673,707 |
Consumer |  |  |
Consumer real estate | 1,485,478 |  |  | 1,471,238 |
Installment and other consumer | 107,928 |  |  | 80,915 |
Total Consumer Loans | 1,593,406 |  |  | 1,552,153 |
Total Portfolio Loans | 6,999,990 |  |  | 7,225,860 |
Loans held for sale | 1,522 |  |  | 18,528 |
Total Loans (1) | $ | 7,001,512 |  |  | $ | 7,244,388 |
(1) Excludes interest receivable of $18.7 million at December 31, 2021 and $24.7 million at December 31, 2020. Interest receivable is included in other assets in the Consolidated Balance Sheets.
Restructured Loans for Periods Presented and Type of Concession | The following table summarizes our restructured loans as of the dates presented:
| December 31, 2021 |  | December 31, 2020
(dollars in thousands) | Performing TDRs |  | Nonperforming TDRs |  | Total TDRs |  | Performing TDRs |  | Nonperforming TDRs |  | Total TDRs
Commercial real estate | $ | — |  |  | $ | 1,697 |  |  | $ | 1,697 |  |  | $ | 14 |  |  | $ | 16,654 |  |  | $ | 16,668 |
Commercial and industrial | 748 |  |  | 14,889 |  |  | 15,637 |  |  | 7,090 |  |  | 9,885 |  |  | 16,975 |
Commercial construction | 2,190 |  |  | 2,087 |  |  | 4,277 |  |  | 3,267 |  |  | — |  |  | 3,267 |
Business banking | 858 |  |  | 1,696 |  |  | 2,554 |  |  | 1,503 |  |  | 430 |  |  | 1,933 |
Consumer real estate | 6,122 |  |  | 1,405 |  |  | 7,527 |  |  | 5,581 |  |  | 2,319 |  |  | 7,900 |
Other consumer | 3 |  |  | — |  |  | 3 |  |  | 5 |  |  | — |  |  | 5 |
Total | $ | 9,921 |  |  | $ | 21,774 |  |  | $ | 31,695 |  |  | $ | 17,460 |  |  | $ | 29,289 |  |  | $ | 46,748 |
The following tables present the restructured loans by loan segment and by type of concession for the years ended:
| December 31, 2021
| Number of Contracts | Type of Modification | Total Post-Modification Outstanding Recorded Investment(2) | Total Pre-Modification Outstanding Recorded Investment(2)
(dollars in thousands) | Bankruptcy(1) | Other | Extend Maturity | Modify Rate | Modify Payments
Commercial real estate | 1 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,300 |  | $ | 1,300 |  | $ | 1,824 |
Commercial industrial | 3 |  | — |  | — |  | 2,039 |  | — |  | 9,182 |  | 11,221 |  | 21,297 |
Commercial construction | 1 |  | — |  | — |  | 2,087 |  | — |  | — |  | 2,087 |  | 5,279 |
Business banking | 9 |  | 8 |  | — |  | 558 |  | — |  | 1,155 |  | 1,721 |  | 1,792 |
Consumer real estate | 26 |  | 1,099 |  | — |  | — |  | — |  | 147 |  | 1,246 |  | 1,280 |
Other consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | 40 |  | $ | 1,107 |  | $ | — |  | $ | 4,684 |  | $ | — |  | $ | 11,784 |  | $ | 17,575 |  | $ | 31,472 |
(1) Bankruptcy is consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed. (2) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.
| December 31, 2020
| Number of Contracts | Type of Modification | Total Post-Modification Outstanding Recorded Investment(2) | Total Pre-Modification Outstanding Recorded Investment(2)
(dollars in thousands) | Bankruptcy(1) | Other | Extend Maturity | Modify Rate | Modify Payments
Commercial real estate | 1 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 4,791 |  | $ | 4,791 |  | $ | 5,292 |
Commercial industrial | 3 |  | — |  | — |  | 13,339 |  | — |  | 281 |  | 13,620 |  | 15,217 |
Commercial construction | 3 |  | — |  | — |  | 2,330 |  | — |  | — |  | 2,330 |  | 2,592 |
Business banking | 3 |  | — |  | — |  | 165 |  | — |  | 95 |  | 260 |  | 501 |
Consumer real estate | 29 |  | 956 |  | — |  | 690 |  | — |  | — |  | 1,646 |  | 1,688 |
Other consumer | 1 |  | 4 |  | — |  | — |  | — |  | — |  | 4 |  | 5 |
Total | 40 |  | $ | 960 |  | $ | — |  | $ | 16,524 |  | $ | — |  | $ | 5,167 |  | $ | 22,651 |  | $ | 25,295 |
(1) Bankruptcy is consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed. (2) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.
Schedule of Nonperforming Assets | The following table is a summary of nonperforming assets as of the dates presented:
| December 31,
(dollars in thousands) | 2021 |  | 2020
Nonperforming Assets |  |  |
Nonaccrual loans | $ | 44,517 |  |  | $ | 117,485 |
Nonaccrual TDRs | 21,774 |  |  | 29,289 |
Total nonaccrual loans | 66,291 |  |  | 146,774 |
OREO | 13,313 |  |  | 2,155 |
Total Nonperforming Assets | $ | 79,604 |  |  | $ | 148,929 |
The following tables present loans on nonaccrual status and loans past due 90 days or more and still accruing by class of loan:
|  |  |  |  |  |  |  |  |  |  | December 31, 2021
| December 31, 2021 |  |  |  | For the twelve months ended
(dollars in thousands) | Beginning of Period Nonaccrual |  | End of Period Nonaccrual |  | Nonaccrual With No Related Allowance |  |  |  |  |  | Interest Income Recognized on Nonaccrual(1)
Commercial real estate | $ | 101,070 |  |  | $ | 31,488 |  |  | $ | 28,046 |  |  |  |  |  |  | $ | 158 |
Commercial and industrial | 16,985 |  |  | 15,239 |  |  | 5,707 |  |  |  |  |  |  | 74 |
Commercial construction | 384 |  |  | 2,471 |  |  | 2,020 |  |  |  |  |  |  | (28) |
Business banking | 17,122 |  |  | 9,641 |  |  | 1,696 |  |  |  |  |  |  | 427 |
Consumer real estate | 11,117 |  |  | 7,294 |  |  | — |  |  |  |  |  |  | 496 |
Other consumer | 96 |  |  | 158 |  |  | — |  |  |  |  |  |  | 1 |
Total | $ | 146,774 |  |  | $ | 66,291 |  |  | $ | 37,469 |  |  |  |  |  |  | $ | 1,128 |
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
|  |  |  |  |  |  |  |  |  |  | December 31, 2020
| December 31, 2020 |  |  |  | For the twelve months ended
(dollars in thousands) | Beginning of Period Nonaccrual |  | End of Period Nonaccrual |  | Nonaccrual With No Related Allowance |  | Past Due 90+ Days Still Accruing |  |  |  | Interest Income Recognized on Nonaccrual(1)
Commercial real estate | $ | 25,356 |  |  | $ | 101,070 |  |  | $ | 60,401 |  |  | $ | — |  |  |  |  | $ | 22 |
Commercial and industrial | 10,911 |  |  | 16,985 |  |  | 6,436 |  |  | — |  |  |  |  | 101 |
Commercial construction | 737 |  |  | 384 |  |  | 285 |  |  | — |  |  |  |  | — |
Business banking | 9,863 |  |  | 17,122 |  |  | 3,890 |  |  | 371 |  |  |  |  | 275 |
Consumer real estate | 6,063 |  |  | 11,117 |  |  | 398 |  |  | 132 |  |  |  |  | 423 |
Other consumer | 1,127 |  |  | 96 |  |  | — |  |  | — |  |  |  |  | 4 |
Total | $ | 54,057 |  |  | $ | 146,774 |  |  | $ | 71,410 |  |  | $ | 503 |  |  |  |  | $ | 826 |
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
Summary of Aggregate Amount of Loans to Officers and Directors | The following table presents a summary of the aggregate amount of loans to certain officers, directors of S&T or any affiliates of such persons as of December 31:
| 2021 |  | 2020
Balance at beginning of year | $ | 6,329 |  |  | $ | 8,225 |
New loans | 1,826 |  |  | 3,343 |
Repayments or no longer considered a related party | (1,998) |  |  | (5,239) |
Balance at end of year | $ | 6,157 |  |  | $ | 6,329 |

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