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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

S & Trust Bank

Indiana, Pennsylvania · $9.94B in assets · beside the 10 other Pennsylvania banks between $3B and $10B

The filing

13.8%
Equity / assets
1st of 11
44.9%
CRE / loans
11th of 11
+1.6%
Loans, year over year
11th of 11, largest first

S & Trust Bank is the largest of the 11 Pennsylvania banks between $3B and $10B, with $9.94B in assets at 30 June 2026. Loans are 99.2% of deposits, 9th of 11 against a median of 95.2%, and equity is 13.8% of assets, the highest in the cohort. Loans grew +1.6% in the year, the slowest in the cohort, and deposits grew 2.0%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.50% of the book, 3rd of 11 against a median of 0.60%; 0.17% is 30 to 89 days past due, and the allowance covers them 2.3 times. Commercial real estate is 44.9% of loans, the highest in the cohort against a median of 38.6%, and 309% of capital, above the 300% screen, with construction at 43% against the 100% screen.

Return on assets is 1.48%, 4th of 11 against a median of 1.35%, on an efficiency ratio of 55.1%, 4th of 11. Five years ago it was 1.33%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 4.3% of loans).

Commercial real estate, share of loansPA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 38.6% UB Univest Bank & Trust Co. 32.3% FS Firstrust Savings Bank 36.9% AB Acnb Bank 37.0% CB CNB Bank 37.5% CN Citizens & Northern Bank 37.7% FC First Citizens Community Bank 38.6% PS Peoples Security Bank & Trust Co. 39.2% PC Penn Community Bank 43.0% OB Orrstown Bank 43.1% MP Mid Penn Bank 43.8% ST S & Trust Bank 44.9%
Loans, year over yearPA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB CNB Bank +37.8% CN Citizens & Northern Bank +22.4% MP Mid Penn Bank +16.4% PS Peoples Security Bank & Trust Co. +7.6% PC Penn Community Bank +7.4% FC First Citizens Community Bank +6.6% FS Firstrust Savings Bank +5.3% OB Orrstown Bank +4.6% UB Univest Bank & Trust Co. +3.5% AB Acnb Bank +3.1% ST S & Trust Bank +1.6%

SBA 7(a), FY2008 to FY2026

S & Trust Bank is the 45th largest 7(a) lender into Pennsylvania of 374, with $57M across 160 loans, 0.5% of everything approved in the state (The Huntington National Bank leads with $747M). 19 of its 19 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Philadelphia, PA$14M25th of 1471.1%quiet FY2018
Chester, PA$13M17th of 1211.6%quiet FY2020
Allegheny, PA$7M26th of 1400.5%quiet FY2013
Montgomery, PA$6M47th of 1600.4%quiet FY2016
Delaware, PA$5M30th of 1190.7%quiet FY2018
Westmoreland, PA$5M11th of 741.6%quiet FY2016
Camden, NJ$3M54th of 1260.3%quiet FY2016
Lancaster, PA$2M40th of 1040.4%quiet FY2019
Jefferson, PA$1M10th of 242.7%quiet FY2012
Armstrong, PA$910K10th of 173.2%quiet FY2013
Luzerne, PA$804K44th of 710.4%quiet FY2016
Burlington, NJ$450K92nd of 1260.1%quiet FY2015
Indiana, PA$450K15th of 251.3%quiet FY2012
6 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing20$19M31.0%0.05%310th of 2,246
Accommodation & food services53$14M22.8%0.02%485th of 2,596
Retail trade20$6M10.2%0.01%646th of 2,589
Wholesale trade10$6M9.9%0.02%399th of 1,651
Health care & social assistance12$5M8.5%0.01%550th of 2,172
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and S & Trust Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans SB Sandt Bank 0.5% $57M · 160 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
S & Trust BankRankCohort median
Total CRE against capital, the 300% screen309%9th of 11269%
Construction against capital, the 100% screen43%5th of 1144%
Construction and land development, share of loans6.2%5th of 116.6%
Non-owner-occupied nonfarm nonresidential, share of loans29.7%10th of 1123.8%
Total CRE, the guidance definition, share of loans44.9%11th of 1138.6%
CRE growth over 36 months, the third prong+15.9%2nd of 11+31.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
S & Trust Bank$9.94B1.5%55.1%0.50%0.07%1.2%99.2%13.8%
CNB Bank$8.41B1.4%57.5%0.84%0.05%1.0%90.6%10.9%
Univest Bank & Trust Co.$8.17B1.3%60.2%0.62%0.09%1.3%100.2%11.3%
Mid Penn Bank$7.04B1.2%59.2%0.51%0.04%0.7%94.4%12.4%
Firstrust Savings Bank$5.62B1.8%54.8%0.79%0.42%1.6%97.2%10.7%
Orrstown Bank$5.61B1.7%55.8%0.60%0.10%1.1%89.0%11.1%
Peoples Security Bank & Trust Co.$5.43B1.3%56.7%0.33%0.06%1.0%95.4%11.3%
Acnb Bank$3.30B1.8%52.7%0.40%0.01%1.0%95.2%12.3%
First Citizens Community Bank$3.19B1.4%53.5%1.70%0.00%1.0%100.1%11.4%
Citizens & Northern Bank$3.14B1.0%60.1%1.70%0.88%1.4%90.2%11.3%
Penn Community Bank$3.07B0.6%72.6%0.56%0.03%0.9%90.3%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
S & Trust BankCohort median
20212026Change20212026Change
Loans$7.01B$8.06B+15%$2.24B$4.30B+92%
Deposits$8.03B$8.13B+1%$2.62B$4.62B+77%
NPA / loans1.61%0.50%-1.11 pts0.64%0.60%-0.05 pts
Efficiency52.4%55.1%+2.8 pts55.6%56.7%+1.2 pts
ROA1.33%1.48%+0.15 pts1.33%1.35%+0.03 pts

This read was prepared for S & Trust Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on S & Trust Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $3B to $10B
Institution www.stbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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