S&T Bancorp is the holding company for S&T Bank, a Pennsylvania-chartered commercial bank headquartered in Indiana, Pennsylvania. S&T Bank operates 72 branches across Pennsylvania and Ohio, serving individuals and small-to-medium-sized businesses. The bank's core products are commercial loans (including CRE, C&I, and construction), consumer loans (primarily home equity and residential mortgage), and deposits. S&T explicitly avoids competing for large corporate relationships, positioning itself around local decision-making and personalized service. The bank also offers wealth management services with roughly $2.1B in assets under administration. S&T earns primarily through net interest income — the spread between what it earns on loans and securities and what it pays on deposits. Key earnings drivers are loan growth, deposit mix (the bank targets a high proportion of low-cost noninterest-bearing deposits), and asset quality. Secondary revenue comes from service charges, debit card interchange fees, and wealth management fees. S&T is approaching $10B in total assets, and crossing that threshold in 2026 will trigger the Durbin Amendment, capping debit card interchange fees and creating an estimated $6-7M annual revenue headwind. Growth is pursued through organic hiring of commercial bankers and through M&A, targeting acquisitions in the $1-5B asset range in Pennsylvania, Ohio, and adjacent markets, with a focus on deposit franchise quality.