S&T Bancorp (STBA) 8-K This presentation contains certain forward-looking statements within the meaning of Section 27A

Exhibit 99.1

Third Quarter 2013

Todd Brice

President and

Chief Executive Officer

Mark Kochvar

Sr. EVP and

Chief Financial Officer

Forward Looking Statement

and Risk Factor

•

This presentation contains certain forward-looking statements within the meaning of Section 27A

of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934.  Forward-

looking statements include, among others, statements regarding trends, strategies, plans, beliefs,

intentions, expectations, goals and opportunities.  Forward looking statements are typically

identified by words or phrases such as believe, expect, anticipate, intend, estimate, assume,

strategy, plan, outlook, outcome, continue, remain, trend and variations of such words and similar

expressions,

or

future

or

conditional

verbs

such

as

will,

would,

should,

could,

may

or

similar

expressions.  Actual results and performance could differ materially from those anticipated by

these forward-looking statements.  Factors that could cause such a difference include, but are not

limited to, general economic conditions, changes in interest rates, deposit flows, loan demand,

asset quality, including real estate and other collateral values, and competition.

•

S&T cautions that these forward-looking statements are subject to numerous assumptions, risks

and uncertainties, which change over time.  These forward-looking statements speak only as of

the date hereof, and S&T assumes no duty to update forward-looking statements.  Subsequent

written

or

oral

statements

attributable

to

S&T

or

persons

acting

on

its

behalf

are

expressly

qualified in their entirety by the cautionary statements contained herein and those in S&T’s reports

previously and subsequently filed with the Securities and Exchange Commission.

3

4

Non-GAAP Financial Measures

•

In

addition

to

the

results

of

operations

presented

in

accordance

with

Generally

Accepted

Accounting Principles (GAAP), S&T management uses and this presentation contains or

references certain non-GAAP financial measures, such as net interest income on a fully taxable

equivalent basis. S&T believes these financial measures provide information useful to investors in

understanding our operational performance and business and performance trends which facilitate

comparisons with the performance of others in the financial services industry.  Although S&T

believes

that

these

non-GAAP

financial

measures

enhance

investors’

understanding

of

S&T’s

business and performance, these non-GAAP financial measures should not be considered an

alternative to GAAP. The non-GAAP financial measures contained therein should be read in

conjunction with the audited financial statements and analysis as presented in the Annual Report

on Form 10-K as well as the unaudited financial statements and analyses as presented in the

respective Quarterly Reports on Forms 10-Q for S&T Bancorp, Inc. and subsidiaries.

5

Corporate Profile

6

*

Peer banks per 2013 proxy statement

**

QTD annualized

Common Return on Assets

PA Banks

Peer Bank Median*

STBA

BHC $3-10B

-

0.5%

0.0%

0.5%

1.0%

1.5%

2.0%

-

0.5%

0.0%

0.5%

1.0%

1.5%

2.0%

2008

2009

2010

2011

2012

2Q 2013**

7

Common Return on Equity

*

Peer banks per 2013 proxy statement

**

QTD annualized

Peer Bank

Median*

STBA

BHC $3-10 B

PA Banks

-5%

0%

5%

10%

15%

20%

-5%

0%

5%

10%

15%

20%

2008

2009

2010

2011

2012

2Q2013**

8

4 Lines of Business

Retail Banking

Commercial Banking

Wealth Management

Insurance

Commercial Banking

•

37 commercial lenders

•

14 business bankers

•

Privately held companies with sales

up to $150 million

•

Adding producers; 9 new lenders this year

•

Northeast Ohio loan production office,

August 2012

9

Retail Banking

•

Over 110,000 households

•

55 branches

•

Average branch size of $63.4 million

•

Strong markets

–

Market deposit growth projections for 75% of branches

exceeds National and State averages.

•

Over 80,000 customers enrolled in online banking

•

Over 16,000 customers enrolled in mobile banking

10

Wealth Management

•

$1.7 billion AUM

•

3 divisions

–

S&T Trust

–

S&T Financial Services

–

RIA/Stewart Capital

•

Annual revenue of $10.9 million; double digit growth

•

Mineral management capabilities

11

S&T-Evergreen Insurance

•

Full service agency

–

Commercial P&C (75%)

–

Group life and health (13%)

–

Personal lines (12%)

•

Annual revenue of $5.7 million

•

Focus on increasing penetration of

S&T customer base

12

13

Quarterly Summary

2013

2013

2012

Third

Quarter

Second

Quarter

Third

Quarter

Net Income

$12.2

$14.1

$12.6

Diluted Earnings per Share

$0.41

$0.47

$0.43

Return on Average Assets

*

1.07%

1.26%

1.15%

Return on Average Shareholders Equity

*

8.86%

10.36%

9.56%

Dollars in millions, except per share data

*

QTD annualized

14

Income Statement

Dollars in millions, except per share data

2013

2013

2012

Third

Quarter

Second

Quarter

Third

Quarter

Net Interest Income

$35.2

$34.6

$33.8

Noninterest Income

12.5

12.9

14.7

Total Revenue

47.7

47.5

48.5

Noninterest Expense

(27.9)

(28.4)

(31.0)

Provision for Loan Losses

(3.4)

(1.0)

(2.3)

Net Income Before Taxes

16.4

18.1

15.2

Taxes

(4.2)

(4.0)

(2.6)

Net Income

$12.2

$14.1

$12.6

Diluted Earnings per Share

$ 0.41

$ 0.47

$0.43

15

Balance Sheet

Dollars in millions

September 30,

2013

June 30,

2013

September 30,

2012

Securities

$   488

$   480

$   415

Interest-bearing Balances

160

191

285

Loans, Net

3,467

3,400

3,236

Other

473

458

486

Total Assets

$4,588

$4,529

$4,422

Deposits

$3,694

$3,649

$3,594

Borrowings

277

268

206

Other Liabilities

62

65

88

Equity

555

547

534

Total Liabilities & Equity

$4,588

$4,529

$4,422

16

Loan Portfolio

Dollars in millions

September 30,

2013

June 30,

2013

September 30,

2012

Consumer

Residential Mortgage

$  477

$  463

$  410

Home Equity    

413

414

447

Installment and Other Consumer

69

68

75

Construction

4

3

2

Total Consumer

963

948

934

Commercial

Commercial Real Estate

1,568

1,501

1,439

Commercial & Industrial

828

827

748

Construction

152

167

158

Total Commercial

2,548

2,495

2,345

Total Portfolio Loans

3,511

3,443

3,279

Total Loans Held for Sale

4

3

3

Total Loans

$3,515

$3,446

$ 3,282

17

Asset Quality

*

QTD annualized

September 30,

2013

June 30,

2013

September 30,

2012

Nonaccrual Loans / Total Loans

1.04%

1.10%

2.01%

Nonperforming Assets / Total Loans Plus

OREO

1.05

1.11

2.06

Net Charge-offs / Average Loans*

0.18

0.10

0.33

Allowance for Loan Losses/ Total Loans

1.37

1.34

1.41

Allowance for Loan Losses/ Nonaccrual

Loans

132

122

70

18

Nonperforming Loans

Nonperforming  Loans  (NPL) are loans where collection of interest or principal is doubtful or generally when interest or principal payments

are 90 days or more past due.

Dollars in millions

54.1

1.18

30.1

Total Commercial

14.4

6.36

9.7

Construction

6.9

0.47

3.9

Commercial

& Industrial  

32.8

1.05

16.5

Commercial

Real Estate

Commercial

12.0

0.66

6.3

Total Consumer

0.4

-

Construction

-

-

-

Installment and Other Consumer

4.0

0.80

3.3

Home Equity

$ 7.6

0.63%

$ 3.0

Residential Mortgage

September 30,

2012

Consumer

% NPL

September 30,

2013

Total Nonaccrual Loans

$66.1

1.04%

$36.4

$  2.9

$  3.3

Specific Reserves

-

19

Net Interest Margin

2013

2013

2012

Third

Quarter

Second

Quarter

Third

Quarter

Securities –

FTE*

2.58%

2.58%

2.89%

Interest Bearing Deposits

0.27

0.28

0.28

Loans –

FTE*

4.16

4.28

4.52

Total Earning Assets-FTE

*

3.82

3.89

4.00

Deposits

0.40

0.44

0.59

Borrowings

0.91

1.65

1.92

Total Costing Liabilities

0.44

0.54

0.70

Net Interest Margin

*

3.50%

3.51%

3.50%

*

Refer to appendix for reconciliation of Non-GAAP financial measures

20

Noninterest Income

Dollars in millions

2013

2013

2012

Third

Quarter

Second

Quarter

Third

Quarter

Debit and Credit Card Fees

$ 2.8

$ 3.2

$ 3.0

Service Charges on Deposit Accounts

2.8

2.5

2.6

Wealth Management Fees

2.7

2.8

2.4

Insurance Fees

1.7

1.6

1.7

Mortgage Banking

0.3

0.9

0.8

Other

2.2

1.9

2.1

Total

$12.5

$12.9

$12.6

21

Securities

September 30,

2013

June 30,

2013

September 30,

2012

Agencies

$237

$233

$192

Agency CMO

45

47

75

Agency Residential MBS

51

54

40

Agency Commercial MBS

31

31

-

Municipals

115

106

99

Equities

9

9

9

Total  

$488

$480

$415

All securities are classified as available-for sale

Dollars in millions

22

Deposits

Dollars in millions

September 30,

2013

June 30,

2013

September 30,

2012

Noninterest-bearing Demand

$ 974

$ 948

$ 928

Interest-bearing Demand

324

297

322

Money Market

308

329

317

Savings

1,039

1,004

949

Certificates of Deposit < $100K

634

636

737

Certificates Of Deposit > $100K

415

435

341

Total  

$3,694

$3,649

$3,594

23

Capital Ratios

September 30,

2013

June 30,

2013

September 30,

2012

Well-

Capitalized

Leverage

9.61%

9.54%

9.27%

5.00%

Tier 1 –

Risk-Based Capital

12.26

12.28

12.01

6.00

Total –

Risk-Based Capital

14.27

14.30

15.45

10.00

Tangible Common Equity /

Tangible Assets

*

8.52

8.43

8.32

NA

*

Refer to appendix for reconciliation of Non-GAAP financial measures

Growth –

Merger & Acquisition Activity

•

2012 -

Gateway Bank of Pennsylvania

$ 126

•

2012 -

Mainline Bancorp

242

•

2008 -

IBT Bancorp

827

•

2002 -

Peoples Financial Corp

344

•

1998 -

Branch Purchase from Mellon

39

•

1997 -

Peoples Bank of Unity

287

•

1991 -

Atlantic Financial Savings Bank

100

•

1991 -

Vanguard Savings Bank

112

24

Assets/Deposits Acquired

$2,077

Dollars in Millions

25

The Right Size

•

Big enough to:

–

Provide full complement of products and services

–

Access technology

–

Access capital markets

–

Attract talent

–

Expand –

mergers and acquisitions/de novo

•

Small enough to:

–

Stay close to our customers

–

Understand our markets

–

Be responsive

26

Marcellus Shale Distribution

STBA Investment Thesis

•

Stable Western PA economy

•

Long-term Marcellus Shale benefit

•

Renewed emphasis on loan growth

•

Improved asset quality

•

Expense discipline

•

Opportunistic acquirer

•

Historically high performing

27

2013

2013

2012

Third

Quarter

Second

Quarter

Third

Quarter

Securities

2.18%

2.19%

2.44%

Adjustment to Fully Taxable-equivalent Basis

0.40

0.39

0.45

Securities Adjusted to Fully Taxable-equivalent Basis

2.58

2.58

2.89

Loans

4.08

4.20

4.44

Adjustment to Fully Taxable-equivalent Basis

0.08

0.08

0.08

Loans Adjusted to Fully Taxable-equivalent Basis

4.16

4.28

4.52

Total Earning Assets

3.70

3.78

3.89

Adjustment to Fully Taxable-Equivalent Basis

0.12

0.11

0.11

Total Earning Assets Adjusted to Fully Taxable-equivalent Basis

3.82

3.89

4.00

Net Interest Margin

3.38

3.40

3.38

Adjustment to Fully Taxable-Equivalent Basis

0.12

0.11

0.12

Net Interest Margin Adjusted to Fully Taxable-equivalent Basis

3.50

3.51

3.50

Shareholders’

Equity/Assets (GAAP Basis)

12.11

12.08

12.08

Effect of Excluding Intangible Assets

(3.59)

( 3.65)

(3.76)

Tangible Common Equity/Tangible Assets

8.52

8.43

8.32

APPENDIX –

Non-GAAP Measures

28