MEDIUMBuilt-inLoan_portfolio
commercial loans (C&I, CRE, construction)
“10-K Item 1A: 'The majority of our loans are to commercial borrowers including C&I, Commercial Real Estate, or CRE, and construction loans.'”
STBA · Concentration risk · 10-K extracted
S&T Bancorp (STBA) concentration risks
Updated
The most significant concentration S&T Bancorp discloses is commercial loans (C&I, CRE, construction), classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: S&T Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH0
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
market area
“10-K Item 1A: 'Our loan portfolio is concentrated within our market area, and our lack of geographic diversification increases our risk profile.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile reflects two structural exposures common to a community-focused commercial bank: a loan type concentration and a geographic concentration. The majority of loans are to commercial borrowers — encompassing commercial and industrial, commercial real estate, and construction loans — a medium-share, structural exposure reflecting the bank's deliberate emphasis on business lending rather than consumer credit. This orientation means credit quality and loss rates are primarily driven by the financial health of commercial borrowers, real estate market conditions, and construction activity within the lending footprint. The geographic concentration is equally structural: the loan portfolio is concentrated within the company's market area, and the filing explicitly notes that the lack of geographic diversification increases the risk profile. As a medium-share exposure, this is an acknowledged, well-disclosed feature of the community banking model. A regional economic downturn — driven by employment losses, industry-specific stress, or real estate value declines in the market area — would affect credit quality across both the commercial lending and geographic dimensions simultaneously, with limited ability to offset through a more diversified geographic footprint. The two exposures reinforce each other: a geographically concentrated commercial loan book means that adverse local conditions translate directly into credit stress without the cushion of out-of-market diversification. No named customer, supplier, or counterparty concentration is disclosed in the source claims. On balance, the concentration profile is moderate and characteristic of a community bank whose performance is closely tied to its home market's economic trajectory.
For the engine’s reasoning on STBA’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| STBA● | S&T Bancorp, Inc. | 0 | 2 | 0 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.