S&T Bancorp (STBA) 8-K Stock Price $29.59 Market Cap (in $ millions) $1,030 Dividend Yield (annualized) 2.43% Price/Earnings (LTM) 15.5

Exhibit 99.2

Second Quarter

2015

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.

2

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.

3

Corporate Profile

4

Performance Summary

*Refer to appendix for reconciliation of Non-GAAP financial measures

5

STBA Investment Thesis

•

Above peer performance

•

Strategic and effective mergers and expansion

•

Demonstrated expense discipline and efficiency

•

Organic growth

•

Excellent asset quality

•

Stable regional economies with long-term

oil and gas benefit

6

7

Performance

0.79%

1.12%

1.22%

0.99%

1.21%

Peer*

0.0%

0.2%

0.4%

0.6%

0.8%

1.0%

1.2%

1.4%

2012

2013

2014

1Q 15**

2Q 15**

**Annualized

Return on Average Assets

* Bank Holding Companies $3-10 Billion of Assets

8

Performance

9.21%

9.71%

7.85%

9.52%

Peer*

0.0%

2.5%

5.0%

7.5%

10.0%

12.5%

2012

2013

2014

1Q 15**

2Q 15**

Return on Average Equity

*Bank Holding Companies $3-10 Billion of Assets

**Annualized

6.62%

9

Performance

10.35%

13.94%

14.02%

11.80%

15.79%

Peer*

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

2012

2013

2014

1Q 15**

2Q 15**

Return

on

Average

Tangible

Equity

1

1

Refer to appendix for reconciliation of Non-GAAP financial  measures

*

SNL Financial Custom Peer Group Holding Companies $3-10 Billion of Assets

**

Annualized

10

4,120

4,159

4,533

4,965

5,105

6,134

242

866

126

3,000

3,500

4,000

4,500

5,000

5,500

6,000

6,500

2011

2012

2013

2014

1Q 15

2Q 15

Gateway Bank

Mainline Bank

Integrity Bank

4,527

5,971

Mainline National Bank

acquired

-

March

9,

2012

Northeast Ohio

Loan Production Office

opened

–

August

27,

2012

Gateway Bank acquired

August 13, 2012

Central Ohio

Loan Production Office

opened

–

January

21,

2014

Western New York

Loan Production Office

opened

–

March

23,

2015

Integrity Bank acquired

March 4, 2015

S&T Bank branch opens in

State College, PA

June 18, 2014

Mergers and expansion

11

Expenses

2.83%

2.61%

2.46%

2.59%

2.35%

Peer*

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

3.0%

3.5%

2012

2013

2014

1Q 15**

2Q 15**

Non Interest Expense / Average Assets

**Annualized

*Bank Holding Companies $3-10 Billion of Assets

12

Expenses

65.15%

60.03%

58.67%

62.57%

55.63%

Peer*

40%

45%

50%

55%

60%

65%

70%

2012

2013

2014

1Q 15

2Q 15

Efficiency Ratio

*Bank Holding Companies $3-10 Billion of Assets

Market Opportunity

MSA

2015

Population

(in thousands)

2015-2020

%

Change

Median HH Income

(in thousands)

Locations

Deposits

(in

millions)

Deposit Market

Share %

Loans

(in millions)

Pittsburgh,

PA

2,361

0.41%

53

26

$1,735

1.8%

$1,860

Indiana,

PA

87

(1.27)%

46

11

$1,212

49.5%

$405

Jefferson-Clarion,

PA

84

(1.05)%

44

8

$572

34.8%

$234

Harrisburg-Carlisle, PA

562

2.04%

58

4

$532

4.4%

$371

Lancaster, PA

534

2.39%

56

3

$171

1.7%

$307

DuBois,

PA

81

(0.57)%

45

2

$163

12.2%

$116

Johnstown,

PA

139

(2.34)%

43

6

$140

5.0%

$73

Altoona, PA

126

(0.85)%

45

1

$60

2.6%

$154

York-Hanover,

PA

441

1.34%

59

1

$42

0.7%

$73

State College, PA

156

1.27%

52

1

New

NA

$27

Akron, OH

706

0.54%

52

1

-

-

$69

Cleveland-Elyra, OH

2,061

(0.25)%

48

-

-

-

$81

Columbus, OH

1,998

3.86%

56

1

-

-

$147

Rochester, NY

1,084

0.98%

53

1

-

-

$37

Buffalo-Cheektowaga-

Niagara

Falls, NY

1,134

0.55%

52

-

-

-

$78

13

1

Micropolitan statistical area

2

Counties not part of an MSA or Micropolitan statistical area

Source: SNL, Nielson, and internal data

Growth

1

2

1

14

Asset quality

0.63%

0.32%

0.39%

0.40%

Peer*

0.0%

0.5%

1.0%

1.5%

2.0%

2012

2013

2014

1Q 15

2Q 15

*Bank Holding Companies $3-10 Billion of Assets

Non Performing Loans / Total Loans

1.63%

15

Asset quality

0.78%

0.25%

0.00%

0.10%

0.11%

Peer*

0.0%

0.2%

0.4%

0.6%

0.8%

2012

2013

2014

1Q 15**

2Q 15**

Net Charge Offs / Average Loans

*Bank Holding Companies $3-10 Billion of Assets

**Annualized

Stable regional economies with long-term oil & gas benefit

16

Regional economy

Loan Mix

As of 6.30.15

17

Commercial

3,639

76%

Consumer

1,159

24%

CRE

2,055

56%

C&I

1,239

34%

Construction

345

10%

Home Equity

458

40%

Mortgage/Construction

607

52%

Other

94

8%

Rate Sensitivity

As of 6.30.15

Loans & Securities

Floating Rate

2,087

37%

ARM/Future

Reset

1,464

26%

Fixed Rate

2,035

36%

Total

5,586

100%

18

Deposits & Borrowings

Floating Rate/Short Wholesale

Liabilities

798

15%

Non-Maturity Variable

Deposits

1,464

26%

Non-Interest Bearing

DDA

1,182

22%

Fixed Rate

1,146

22%

Total

5,300

100%

Senior Management

19

Name

Title

Years

in Banking

Years with S&T

Todd D. Brice

President &

CEO

30

30

Mark

Kochvar

Chief

Financial Officer

29

23

David G. Antolik

Chief Lending Officer

27

25

Ernest J. Draganza

Chief

Risk Officer

28

23

Patrick J. Haberfield

Chief Credit

Officer

28

5

David P. Ruddock

Chief Operating Officer

30

30

Thomas

J. Sposito, II

Market Executive

30

3

Rebecca

A. Stapleton

Chief

Banking Officer

27

27

Continuous Improvement

20

Multi-Faceted

Growth

Profit

Improvement

Operational

Effectiveness

Culture

Customer

Experience

Risk

Management

3 mergers since 2012

3 new LPOs in

3 years

State College branch

opened

Closed 4 branches

Converted 2

branches

to drive-ups

Insurance restructure

Wealth Management

restructure

Sold merchant

processing business

Centralized

collections

New floor plan

system

New mortgage

origination system

Replaced computer

network

Wealth Management

system conversion

New deposit

origination platform

Voted Best Place to

Work in PA.

AARP recognition

Organization wide

focus

Marketing rebranding

Branch innovation

center

New training center

Mobile expansion

Balanced risk vs.

reward

Stock Performance

1 YR

3YR

5YR

10YR

STBA

22.28%

20.40%

11.65%

1.27%

NASDAQ Bank

12.91%

19.83%

13.78%

1.85%

KRX-Dow Jones KBW Regional

Bank

15.70%

19.34%

15.81%

NA

S&P 500

7.42%

17.27%

17.31%

7.88%

Institutional Ownership

41.66%

Insider

Ownership

3.88%

Employee 401K

1.63%

Source: Bloomberg

Source: NASDAQ and internal data

Source: SNL

21

S&T Bank

(+19.07%)

KBW Regional Bank

(+13.02)

NASDAQ Bank

(+10.64)

S&P 500 (+5.25)

Stock Price Change (%)

Total Annualized Shareholder Return

Includes reinvested dividends (Data as of 06.30.15)

Lines of Business

Commercial Banking

•

48 commercial bankers

•

19 business bankers

•

Privately held companies with sales up to $150

million

•

Regional team based approach to credit delivery

•

Dedicated small business (B2B) delivery channel

Retail Banking

•

Competitive, relationship driven

•

Robust suite of deposit and loan products

•

Over 120,000 households

•

63 branches; average size of $71.2 million

•

Technology driven with over 87,000 online banking

and over 36,000 mobile banking customers

S&T-Evergreen Insurance

•

Full service agency

–

Commercial

P&C

(75%)

–

Group life and health (13%)

–

Personal lines (12%)

•

Annual revenue of $5.2 million

•

Focus on increasing penetration of S&T

customer base

Wealth Management

•

$2.0 billion AUM

•

3 divisions

–

S&T

Trust

–

S&T

Financial

Services

–

RIA/Stewart Capital

•

Annual revenue of $11.3 million

•

Stewart Capital Mid-Cap Fund (SCMFX) with $103

million in assets

•

4-Star

Morningstar

rating,

5

year

&

since

inception

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

23

Income Statement

Dollars in thousands, except per share data

24

Balance Sheet

Dollars in thousands

25

Loan Portfolio

Dollars in thousands

26

Asset Quality

27

Dollars in thousands

Capital

**

Refer to appendix for reconciliation of Non-GAAP financial measures

28

APPENDIX –

Non-GAAP Measures

29

APPENDIX –

Non-GAAP Measures

30

Second Quarter

2015