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Loans and Loans Held for Sale (Tables) | 12 Months Ended
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Dec. 31, 2022
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, 2022 |  | December 31, 2021
Commercial real estate | $ | 2,538,839 |  |  | $ | 2,690,528 |
Commercial and industrial | 1,510,392 |  |  | 1,513,523 |
Commercial construction | 381,963 |  |  | 424,755 |
Business banking | 1,205,944 |  |  | 1,135,693 |
Consumer real estate | 1,421,953 |  |  | 1,127,585 |
Other consumer | 124,878 |  |  | 107,906 |
Total Portfolio loans | $ | 7,183,969 |  |  | $ | 6,999,990 |
Loans held for sale | 16 |  |  | 1,522 |
Total Loans (1) | $ | 7,183,985 |  |  | $ | 7,001,512 |
(1) Excludes interest receivable of $28.3 million at December 31, 2022 and $18.7 million at December 31, 2021. 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 TDRs as of the dates presented:
| December 31, 2022 |  | December 31, 2021
(dollars in thousands) | Accruing TDRs |  | Nonaccruing TDRs |  | Total TDRs |  | Accruing TDRs |  | Nonaccruing TDRs |  | Total TDRs
Commercial real estate | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,697 |  |  | $ | 1,697 |
Commercial and industrial | 626 |  |  | — |  |  | 626 |  |  | 748 |  |  | 14,889 |  |  | 15,637 |
Commercial construction | 1,655 |  |  | — |  |  | 1,655 |  |  | 2,190 |  |  | 2,087 |  |  | 4,277 |
Business banking | 438 |  |  | 1,087 |  |  | 1,525 |  |  | 858 |  |  | 1,696 |  |  | 2,554 |
Consumer real estate | 6,168 |  |  | 1,798 |  |  | 7,966 |  |  | 6,122 |  |  | 1,405 |  |  | 7,527 |
Other consumer | 4 |  |  | 9 |  |  | 13 |  |  | 3 |  |  | — |  |  | 3 |
Total | $ | 8,891 |  |  | $ | 2,894 |  |  | $ | 11,785 |  |  | $ | 9,921 |  |  | $ | 21,774 |  |  | $ | 31,695 |
The following tables present the TDRs by portfolio segment and by type of concession for the years ended:
| December 31, 2022
| 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 | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Commercial industrial | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Commercial construction | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Business banking | 2 |  | — |  | 154 |  | — |  | — |  | — |  | 154 |  | 203 |
Consumer real estate | 23 |  | 1,436 |  | — |  | 610 |  | — |  | — |  | 2,046 |  | 2,558 |
Other consumer | 2 |  | 11 |  | — |  | — |  | — |  | — |  | 11 |  | 15 |
Total | 27 |  | $ | 1,447 |  | $ | 154 |  | $ | 610 |  | $ | — |  | $ | — |  | $ | 2,211 |  | $ | 2,776 |
(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, 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.
Schedule of Nonperforming Assets | The following table is a summary of nonperforming assets as of the dates presented:
| December 31,
(dollars in thousands) | 2022 |  | 2021
Nonperforming Assets |  |  |
Nonaccrual loans | $ | 16,158 |  |  | $ | 44,517 |
Nonaccrual TDRs | 2,894 |  |  | 21,774 |
Total Nonaccrual loans | 19,052 |  |  | 66,291 |
OREO | 3,065 |  |  | 13,313 |
Total Nonperforming Assets | $ | 22,117 |  |  | $ | 79,604 |
The following tables present loans on nonaccrual status by class of loan:
|  |  |  |  |  |  |  |  |  |  | December 31, 2022
| December 31, 2022 |  |  |  | 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 | $ | 31,488 |  |  | $ | 7,100 |  |  | $ | 5,649 |  |  |  |  |  |  | $ | 580 |
Commercial and industrial | 15,239 |  |  | 283 |  |  | — |  |  |  |  |  |  | 148 |
Commercial construction | 2,471 |  |  | 384 |  |  | — |  |  |  |  |  |  | 171 |
Business banking | 9,641 |  |  | 4,490 |  |  | 933 |  |  |  |  |  |  | 228 |
Consumer real estate | 7,294 |  |  | 6,526 |  |  | — |  |  |  |  |  |  | 257 |
Other consumer | 158 |  |  | 269 |  |  | — |  |  |  |  |  |  | 1 |
Total | $ | 66,291 |  |  | $ | 19,052 |  |  | $ | 6,582 |  |  |  |  |  |  | $ | 1,385 |
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
|  |  |  |  |  |  |  |  |  |  | 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.
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 the dates presented:
| December 31,
(dollars in thousands) | 2022 |  | 2021
Balance at beginning of year | $ | 6,157 |  |  | $ | 6,329 |
New loans | 1,085 |  |  | 1,826 |
Repayments or no longer considered a related party | (3,114) |  |  | (1,998) |
Balance at end of year | $ | 4,128 |  |  | $ | 6,157 |

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