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Regulatory Matters | 12 Months Ended
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Dec. 31, 2024
Regulatory Capital Requirements Under Banking Regulations [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's or S&T Bank’s status during 2024 and 2023. 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 OCI from capital. For regulatory purposes, trust preferred securities totaling $24.0 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 ACL 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, 2024 and 2023, 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, 2024 |  |  |  |  |  |  |  |  |  |  |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
S&T | $ | 1,112,126 |  |  | 11.98 | % |  | $ | 371,211 |  |  | 4.00 | % |  | $ | 464,014 |  |  | 5.00 | %
S&T Bank | 1,060,010 |  |  | 11.43 | % |  | 371,002 |  |  | 4.00 | % |  | 463,752 |  |  | 5.00 | %
Common Equity Tier 1 ratio |  |  |  |  |  |  |  |  |  |  |
S&T | 1,088,126 |  |  | 14.58 | % |  | 335,888 |  |  | 4.50 | % |  | 485,172 |  |  | 6.50 | %
S&T Bank | 1,060,010 |  |  | 14.21 | % |  | 335,722 |  |  | 4.50 | % |  | 484,932 |  |  | 6.50 | %
Tier 1 Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |  |  |  |
S&T | 1,112,126 |  |  | 14.90 | % |  | 447,851 |  |  | 6.00 | % |  | 597,134 |  |  | 8.00 | %
S&T Bank | 1,060,010 |  |  | 14.21 | % |  | 447,629 |  |  | 6.00 | % |  | 596,839 |  |  | 8.00 | %
Total Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |  |  |  |
S&T | 1,230,497 |  |  | 16.49 | % |  | 597,134 |  |  | 8.00 | % |  | 746,418 |  |  | 10.00 | %
S&T Bank | 1,178,335 |  |  | 15.79 | % |  | 596,839 |  |  | 8.00 | % |  | 746,049 |  |  | 10.00 | %
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
S&T | $ | 1,034,828 |  |  | 11.21 | % |  | $ | 369,297 |  |  | 4.00 | % |  | $ | 461,621 |  |  | 5.00 | %
S&T Bank | 995,824 |  |  | 10.79 | % |  | 369,133 |  |  | 4.00 | % |  | 461,416 |  |  | 5.00 | %
Common Equity Tier 1 ratio |  |  |  |  |  |  |  |  |  |  |
S&T | 1,010,828 |  |  | 13.37 | % |  | 340,159 |  |  | 4.50 | % |  | 491,341 |  |  | 6.50 | %
S&T Bank | 995,824 |  |  | 13.18 | % |  | 339,954 |  |  | 4.50 | % |  | 491,045 |  |  | 6.50 | %
Tier 1 Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |  |  |  |
S&T | 1,034,828 |  |  | 13.69 | % |  | 453,545 |  |  | 6.00 | % |  | 604,727 |  |  | 8.00 | %
S&T Bank | 995,824 |  |  | 13.18 | % |  | 453,272 |  |  | 6.00 | % |  | 604,362 |  |  | 8.00 | %
Total Capital (to Risk-Weighted Assets) |  |  |  |  |  |  |  |  |  |  |
S&T | 1,154,376 |  |  | 15.27 | % |  | 604,727 |  |  | 8.00 | % |  | 755,909 |  |  | 10.00 | %
S&T Bank | 1,115,315 |  |  | 14.76 | % |  | 604,362 |  |  | 8.00 | % |  | 755,453 |  |  | 10.00 | %

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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