S&T Bancorp, Inc. (STBA) Balance Sheet
STBA balance sheet, 2025
December 31, 2025 · U.S. dollars$9.87B assets = $8.41B liabilities + $1.46B equity
Both columns are drawn to the same scale: what STBA owns equals what it owes plus shareholders’ equity. Hover a block for its value.
STBA financial health
Descriptive bands, not a rating. Fiscal 2025.
STBA balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $6.94B2016 | $9.87B2025 | +4.0%/yr | |
| Total liabilities | $6.10B2016 | $8.41B2025 | +3.6%/yr | |
| Shareholders’ equity | $842.0M2016 | $1.46B2025 | +6.3%/yr | |
| Cash & short-term investments | $833.0M2016 | $1.15B2025 | +3.7%/yr | |
| Total debt | $771.2M2016 | $310.9M2025 | −9.6%/yr | |
| Net cash (debt) | $61.8M2016 | $840.1M2025 | +$778.3M | |
| Working capital | −$5.15B2016 | $986.1M2025 | +$6.1B | |
| Book value per share | $24.122016 | $38.032025 | +5.2%/yr | |
| Debt / equity | 0.922016 | 0.212025 | −0.70 | |
| Shares outstanding | 34.9M2016 | 38.5M2025 | +1.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
STBA assets
STBA liabilities and equity
STBA debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
STBA balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $1.15B | $1.23B | $1.20B | $1.21B | $1.83B | $1.00B | $982.1M | $155.5M | $815.4M | $833.0M |
| Cash & equivalents | $163.4M | $244.8M | $233.6M | $210.0M | $922.2M | $229.7M | $197.8M | $155.5M | $117.2M | $139.5M |
| Short-term investments | $987.7M | $987.6M | $970.4M | $1.00B | $909.7M | $770.4M | $784.3M | — | $698.3M | $693.5M |
| Receivables | $2,000 | $0 | $0 | $0 | $4.1M | $14.22B | $7.07B | $0 | $5.71B | $5.56B |
| Inventory | $0 | $0 | $0 | $3.1M | $13.3M | $2.2M | $3.5M | $3.1M | $469,000 | $679,000 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $1.15B | $1.23B | $1.20B | $1.21B | $1.83B | $1.00B | $982.1M | $155.5M | $815.4M | $833.0M |
| Property, plant & equipment (net) | $43.9M | $45.0M | $49.0M | $49.3M | $52.6M | $55.6M | $56.9M | $41.7M | $42.7M | $45.0M |
| Goodwill & intangible assets | $375.7M | $376.5M | $377.5M | $378.8M | $380.3M | $382.1M | $382.5M | $290.0M | $295.3M | $296.6M |
| Long-term investments | $987.7M | $987.6M | $970.4M | $1.00B | $910.8M | $18.5M | $7.08B | $5.89B | $5.71B | $5.56B |
| Other non-current assets | $7.31B | $7.02B | $6.95B | $6.47B | $6.31B | $7.51B | $262.9M | $876.9M | $197.2M | $206.1M |
| Total assets | $9.87B | $9.66B | $9.55B | $9.11B | $9.49B | $8.97B | $8.76B | $7.25B | $7.06B | $6.94B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $7.22B | $8.00B | $7.42B | $7.04B | $5.67B | $5.43B | $5.27B |
| Short-term debt | $220.1M | $150.0M | $415.0M | $370.0M | $84.5M | $140.2M | $301.2M | $488.4M | $590.2M | $710.8M |
| Total current liabilities | $165.0M | $7.93B | $7.94B | $7.59B | $8.08B | $7.56B | $7.34B | $6.16B | $6.02B | $5.98B |
| Long-term debt | $100.3M | $100.3M | $88.6M | $69.2M | $76.8M | $87.8M | $115.1M | $115.9M | $92.9M | $60.3M |
| Other long-term liabilities | $8.14B | $244.2M | $242.7M | $266.7M | $124.2M | $164.7M | $119.7M | $38.2M | $65.3M | $57.6M |
| Total liabilities | $8.41B | $8.28B | $8.27B | $7.93B | $8.28B | $7.81B | $7.57B | $6.32B | $6.18B | $6.10B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $90.3M | $90.3M | $90.3M |
| Retained earnings (deficit) | $1.12B | $1.04B | $959.6M | $863.9M | $773.7M | $710.1M | $761.1M | $701.8M | $628.1M | $585.9M |
| Treasury stock | — | — | — | — | — | −$68.6M | −$61.0M | −$43.6M | −$32.1M | −$33.6M |
| Accumulated other comprehensive income | −$41.7M | −$77.0M | −$90.9M | −$112.1M | −$7.1M | $9.0M | −$11.7M | −$23.1M | −$18.4M | −$13.8M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $1.46B | $1.38B | $1.28B | $1.18B | $1.21B | $1.15B | $1.19B | $935.8M | $884.0M | $842.0M |
| Key figures | ||||||||||
| Total debt | $310.9M | $250.3M | $503.6M | $439.2M | $161.3M | $227.9M | $416.4M | $604.3M | $683.1M | $771.2M |
| Net cash (debt) | $840.1M | $982.1M | $700.4M | $773.6M | $1.67B | $772.1M | $565.8M | −$448.8M | $132.4M | $61.8M |
| Working capital | $986.1M | −$6.70B | −$6.73B | −$6.38B | −$6.25B | −$6.56B | −$6.36B | −$6.01B | −$5.20B | −$5.15B |
| Tangible book value | $1.09B | $1.00B | $906.0M | $805.9M | $826.1M | $772.6M | $809.5M | $645.7M | $588.7M | $545.4M |
| Book value per share | $38.03 | $35.83 | $33.20 | $30.35 | $30.89 | $29.55 | $30.13 | $26.76 | $25.37 | $24.12 |
| Shares outstanding | 38.5M | 38.5M | 38.7M | 39.0M | 39.1M | 39.1M | 39.6M | 35.0M | 34.8M | 34.9M |
| Current ratio | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.03 | 0.14 | 0.14 |
| Quick ratio | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 2.01 | 1.10 | 0.03 | 1.08 | 1.07 |
| Debt / equity | 0.21 | 0.18 | 0.39 | 0.37 | 0.13 | 0.20 | 0.35 | 0.65 | 0.77 | 0.92 |
| Equity / assets | 14.8% | 14.3% | 13.4% | 13.0% | 12.7% | 12.9% | 13.6% | 12.9% | 12.5% | 12.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $217.8M | $62.7M | $1.15B | $1.20B | $1.22B | $1.22B | $1.23B | $1.24B | $1.22B | $1.18B | $1.20B | $1.19B |
| Cash & equivalents | $217.8M | $62.7M | $163.4M | $196.2M | $203.1M | $211.8M | $244.8M | $228.1M | $246.3M | $207.5M | $233.6M | $238.5M |
| Short-term investments | $1.01B | $1.01B | $987.7M | $1.00B | $1.02B | $1.01B | $987.6M | $1.01B | $978.0M | $970.7M | $970.4M | $955.3M |
| Receivables | $35.8M | $35.6M | $2,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $217.8M | $98.3M | $1.15B | $1.20B | $1.22B | $1.22B | $1.23B | $1.24B | $1.22B | $1.18B | $1.20B | $1.19B |
| Property, plant & equipment (net) | $42.7M | $43.4M | $43.9M | $44.1M | $45.0M | $45.3M | $45.0M | $45.9M | $47.0M | $48.0M | $49.0M | $49.5M |
| Goodwill & intangible assets | $375.3M | $375.5M | $375.7M | $375.9M | $376.1M | $376.2M | $376.5M | $376.6M | $382.1M | $382.2M | $377.5M | $377.8M |
| Long-term investments | $1.01B | $1.01B | $987.7M | $1.00B | $1.02B | $1.01B | $987.6M | $1.01B | $978.0M | $970.7M | $970.4M | $955.3M |
| Other non-current assets | $8.29B | $8.42B | $7.31B | $7.20B | $7.14B | $7.06B | $7.02B | $6.91B | $7.00B | $6.96B | $6.95B | $6.89B |
| Total assets | $9.94B | $9.94B | $9.87B | $9.82B | $9.81B | $9.72B | $9.66B | $9.58B | $9.64B | $9.54B | $9.55B | $9.47B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $7.22B |
| Short-term debt | $200.0M | $50.0M | $220.1M | $135.0M | $150.0M | $95.0M | $150.0M | $225.0M | $275.0M | $285.0M | $415.0M | $630.0M |
| Total current liabilities | $200.0M | $50.0M | $165.0M | $8.06B | $8.07B | $7.99B | $7.93B | $7.88B | $7.96B | $7.89B | $7.94B | $7.85B |
| Long-term debt | $75.3M | $100.3M | $100.3M | $100.3M | $100.3M | $100.3M | $100.3M | $113.4M | $88.4M | $88.5M | $88.6M | $88.7M |
| Other long-term liabilities | $8.26B | $8.36B | $8.14B | $184.8M | $193.4M | $212.0M | $244.2M | $214.9M | $270.3M | $270.2M | $242.7M | $300.9M |
| Total liabilities | $8.54B | $8.51B | $8.41B | $8.34B | $8.36B | $8.30B | $8.28B | $8.21B | $8.31B | $8.24B | $8.27B | $8.24B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M | $103.6M |
| Retained earnings (deficit) | $1.17B | $1.14B | $1.12B | $1.10B | $1.08B | $1.06B | $1.04B | $1.02B | $999.1M | $977.2M | $959.6M | $935.2M |
| Accumulated other comprehensive income | −$49.3M | −$47.5M | −$41.7M | −$45.2M | −$52.4M | −$60.6M | −$77.0M | −$60.5M | −$93.9M | −$97.7M | −$90.9M | −$125.6M |
| Total shareholders' equity | $1.40B | $1.43B | $1.46B | $1.48B | $1.45B | $1.42B | $1.38B | $1.38B | $1.32B | $1.30B | $1.28B | $1.22B |
| Key figures | ||||||||||||
| Total debt | $275.3M | $150.3M | $310.9M | $235.3M | $250.3M | $195.3M | $250.3M | $338.4M | $363.4M | $373.5M | $503.6M | $718.7M |
| Net cash (debt) | −$57.5M | −$87.6M | $840.1M | $962.1M | $974.0M | $1.03B | $982.1M | $901.0M | $860.8M | $804.7M | $700.4M | $475.0M |
| Working capital | $17.8M | $48.3M | $986.1M | −$6.86B | −$6.85B | −$6.76B | −$6.70B | −$6.64B | −$6.73B | −$6.71B | −$6.73B | −$6.66B |
| Tangible book value | $1.03B | $1.06B | $1.09B | $1.10B | $1.07B | $1.04B | $1.00B | $999.2M | $939.4M | $912.8M | $906.0M | $845.7M |
| Book value per share | $38.37 | $38.48 | $38.38 | $38.21 | $37.41 | $36.74 | $35.79 | $35.68 | $34.29 | $33.71 | $33.44 | $31.92 |
| Shares outstanding | 36.6M | 37.2M | 38.1M | 38.6M | 38.6M | 38.6M | 38.6M | 38.6M | 38.5M | 38.4M | 38.4M | 38.3M |
| Current ratio | 1.09 | 1.97 | 6.98 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 |
| Quick ratio | 1.27 | 1.97 | 6.98 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 |
| Debt / equity | 0.20 | 0.11 | 0.21 | 0.16 | 0.17 | 0.14 | 0.18 | 0.25 | 0.28 | 0.29 | 0.39 | 0.59 |
| Equity / assets | 14.1% | 14.4% | 14.8% | 15.0% | 14.7% | 14.6% | 14.3% | 14.4% | 13.7% | 13.6% | 13.4% | 12.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
STBA financial position
At the end of fiscal 2025 (December 31, 2025), S&T Bancorp had total assets of $9.9 billion (up 2.2% from a year earlier), total liabilities of $8.4 billion and shareholders' equity of $1.5 billion. It held $1.2 billion in cash and short-term investments against $310.9 million of debt, a net cash position of $840.1 million. Its current ratio was 6.98. In the latest quarter (ended June 30, 2026) total assets were $9.9 billion and equity $1.4 billion.
Related: STBA income statement, STBA cash flow statement, STBA key metrics. See the STBA stock overview for the latest quote and news.
STBA balance sheet FAQ
What are S&T Bancorp's total assets?
S&T Bancorp reported total assets of $9.9 billion at the end of fiscal 2025 (December 31, 2025), compared with $9.7 billion a year earlier.
How much debt does S&T Bancorp have?
S&T Bancorp had $310.9 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.21.
How much cash does S&T Bancorp have?
S&T Bancorp held $1.2 billion in cash and short-term investments at the end of fiscal 2025; with $310.9 million of debt that is net cash of $840.1 million.
What is S&T Bancorp's book value?
S&T Bancorp's shareholders' equity (book value) was $1.5 billion at the end of fiscal 2025, or $38.03 per share.
What is S&T Bancorp's current ratio?
S&T Bancorp had current assets of $1.2 billion and current liabilities of $165.0 million, a current ratio of 6.98 (it can cover its short-term obligations).
How much goodwill does S&T Bancorp have?
S&T Bancorp carried $375.7 million of goodwill and intangible assets, 3.8% of total assets, at the end of fiscal 2025.