S&t Bancorp Inc
S&T Bancorp, Inc., or S&T, including, on a consolidated basis with
our subsidiaries where appropriate, was incorporated on March 17, 1983 under
the laws of the Commonwealth of Pennsylvania as a bank holding company and has
three wholly owned subsidiaries, S&T Bank, 9th Street Holdings, Inc. and
STBA Capital Trust I. We also own a 50 percent interest in Commonwealth Trust
Credit Life Insurance Company, or CTCLIC. We are registered as a financial holding
company with the Board of Governors of the Federal Reserve System, or the Federal
Reserve Board, under the Bank Holding Company Act of 1956, as amended, or the
BHCA.
S&T Bank has three wholly owned operating subsidiaries: S&T Insurance
Group, LLC, S&T Bancholdings, Inc. and Stewart Capital Advisors, LLC. S&T
Insurance Group, LLC, through its subsidiaries, offers a variety of insurance
products. S&T Bancholdings, Inc. is an investment company. Stewart Capital
Advisors, LLC, is a registered investment advisor that manages private investment
accounts for individuals and institutions and advises the Stewart Capital Mid
Cap Fund.
We have three reportable operating segments including Community Banking, Wealth
Management and Insurance. Our Community Banking segment offers services which
include accepting time and demand deposits and originating commercial and consumer
loans. The Wealth Management segment offers brokerage services, serves as executor
and trustee under wills and deeds, guardian and custodian of employee benefits
and other trust services, as well as is a registered investment advisor that
manages private investment accounts for individuals and institutions.
1.91% 