S&T Bancorp, Inc. - Company Capsule

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					S&T Bancorp, Inc.

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S&T Bancorp, Inc. - Company Capsule

Reference Code: FS0328CC
Published Date: April 2011




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S&T Bancorp, Inc. - Company Capsule                                                 Page 1
S&T Bancorp, Inc.

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S&T Bancorp, Inc. - Company Overview

S&T Bancorp, Inc. (S&T) is the holding company, offering retail and commercial banking, and other financial products and
services. The company operates through two main subsidiaries: S&T Bank (the Bank) and 9th Street Holdings, Inc. S&T
offers banking services such as personal banking, lending, technology solutions and online banking. The company also
offers different types of accounts and deposit products as well as mortgages services. The non-banking services include
wealth management, and insurance. Through its nine acting companies, S&T offers wealth management and insurance
services to its customers. The company has a network of 55 offices in Pennsylvania, the US. The company is
headquartered in Indiana, the US.


Financial Performance

The company reported revenue of US$195.09 during the year 2009.The company's revenue decline at a compounded
rate of 4.87% during the period 2007-2009 with a year on year decline of 9.73% over fiscal year 2008. During the fiscal
year 2009, its operating margin was 2.09% as against the operating margin of 39.20% in the fiscal year 2008. During the
fiscal year 2009, the company’s net profit margin was 4.07% as against the net profit margin of 27.85% in the fiscal year
2008.




S&T Bancorp, Inc. - Key Facts

S&T Bancorp, Inc., Key Facts

                                  800 Philadelphia Street, Indiana,
                                  Pennsylvania (PA), 15701,           Ticker Symbol, Stock
Corporate Address:                                                                               STBA (NASDAQ)
                                                                      Exchange
                                  United States


Telephone                          + 1 800 3252265                    No. of Employees           937



Fax                                + 1 724 4656847                    Financial Year End         December



URL                               www.stbank.com                      Revenue (in USD Million)   195.09



Industry                          Financial Services



Locations                         United States

Source: Annual Report, Company Website, Primary and Secondary Research




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S&T Bancorp, Inc. - Company Capsule                                                                              Page 2
S&T Bancorp, Inc.

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S&T Bancorp, Inc. - Major Products and Services

S&T Bancorp, Inc. is a bank holding company offering services through its subsidiaries. Key services and brands of the
company include the following:

S&T Bancorp, Inc., Major Products and Services
Services:

Personal Banking:

Accounts

Cash Management

Personal Lending:

Mortgages

Home Equities

Business Banking:

Business Checking

Merchant Services

Business Loans

Technology Solutions:

Fraud Solutions

Remote Deposit Capture

Online Banking:

ExpressNet

Premium ExpressNet

Business Express

InvestNet

TrustNet

S&T Merchant Visa Access

Investment Management

Insurance

Brands:

InvestNet

TrustNet

S&T Merchant Visa

Premium ExpressNet

S&T Merchant Visa
Source: Annual Report, Company Website, Primary and Secondary Research




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S&T Bancorp, Inc. - Company Capsule                                                                              Page 3
S&T Bancorp, Inc.

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S&T Bancorp, Inc. - Key Competitors

The following companies are the major competitors of S&T Bancorp, Inc.:

IBERIABANK Corporation

Bank of Hawaii Corporation

First Commonwealth Financial Corporation

Glacier Bancorp, Inc.

KeyCorp




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S&T Bancorp, Inc. - Company Capsule                                                 Page 4
S&T Bancorp, Inc.

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S&T Bancorp, Inc. - Key Employees

S&T Bancorp, Inc., Key Employees


           Name                            Job Title                       Board Level     Since   Age


Alan Papernick             Director                                  Non Executive Board   1997    72


Charles A. Spadafora       Director                                  Non Executive Board   1987    68


Christine J. Toretti       Director                                  Non Executive Board   1984    53

                           Chief Lending Officer, Senior Executive
David G. Antolik                                                   Senior Management       2008    43
                           Vice President

                           Executive Vice President - Operations
David P. Ruddock                                                     Senior Management     2006    48
                           and Technology

                           Chief Operating Officer, Senior
Edward C. Hauck                                                      Senior Management     2008    57
                           Executive Vice President


Frank W. Jones             Director                                  Non Executive Board   1997    65


James C. Miller            Chairman                                  Executive Board       2008    64


James V. Milano            Director                                  Non Executive Board   2006    50


Jeffrey D. Grube           Director                                  Non Executive Board   1997    56


John J. Delaney            Director                                  Non Executive Board   1987    68


John N. Brenzia            Director                                  Non Executive Board   2008    68


Joseph A. Kirk             Director                                  Non Executive Board   1993    70


                           Executive Vice President, Managing
Malcolm E. Polley                                                    Senior Management     2010    47
                           Director

                           Chief Financial Officer, Executive Vice
Mark Kochvar                                                         Senior Management     2008    49
                           President


Michael J. Donnelly        Director                                  Non Executive Board   2001    52


                           Executive Vice President - Commercial
Michelle S. Petrovsky                                            Senior Management         2008    43
                           Lending


Robert Rebich              Director                                  Non Executive Board   2008    68


Thomas A. Brice            Director                                  Non Executive Board   1980    69

                           Executive Vice President - S&T
Thomas E. Kiral            Insurance Group, LLC, Managing            Senior Management     2008    49
                           Director - S&T Insurance Group, LLC

Todd D. Brice              President, Chief Executive Officer        Executive Board       2008    47


William J. Gatti           Director                                  Non Executive Board   1993    68

Source: Annual Report, Company Website, Primary and Secondary Research



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S&T Bancorp, Inc. - Company Capsule                                                                     Page 5
S&T Bancorp, Inc.

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S&T Bancorp, Inc. - Locations an
				
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