S&T Bancorp Inc - Asset Resilience Ratio

Latest as of December 2025: 10.01%

S&T Bancorp Inc (STBA) has an Asset Resilience Ratio of 10.01% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check STBA strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$987.66 Million

Cash + Short-term Investments

Total Assets

$9.87 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how S&T Bancorp Inc's Asset Resilience Ratio has changed over time. See S&T Bancorp Inc balance sheet independence to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down S&T Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see how much is S&T Bancorp Inc worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$987.66 Million	10.01%
Total Liquid Assets	$987.66 Million	10.01%

Asset Resilience Insights

Moderate Liquidity: S&T Bancorp Inc has 10.01% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

S&T Bancorp Inc Industry Peers by Asset Resilience Ratio

Compare S&T Bancorp Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

Annual Asset Resilience Ratio for S&T Bancorp Inc (2000–2025)

The table below shows the annual Asset Resilience Ratio data for S&T Bancorp Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	10.01%	$987.66 Million	$9.87 Billion	-0.22pp
2024-12-31	10.23%	$987.59 Million	$9.66 Billion	+0.07pp
2023-12-31	10.16%	$970.39 Million	$9.55 Billion	-0.84pp
2022-12-31	11.00%	$1.00 Billion	$9.11 Billion	+1.41pp
2021-12-31	9.59%	$909.65 Million	$9.49 Billion	+1.00pp
2020-12-31	8.59%	$770.39 Million	$8.97 Billion	-0.36pp
2019-12-31	8.95%	$784.28 Million	$8.76 Billion	-0.94pp
2017-12-31	9.89%	$698.29 Million	$7.06 Billion	-0.10pp
2016-12-31	9.99%	$693.49 Million	$6.94 Billion	-0.47pp
2015-12-31	10.46%	$660.96 Million	$6.32 Billion	-2.44pp
2014-12-31	12.90%	$640.27 Million	$4.96 Billion	+1.66pp
2013-12-31	11.24%	$509.43 Million	$4.53 Billion	+1.23pp
2012-12-31	10.01%	$453.10 Million	$4.53 Billion	+1.33pp
2011-12-31	8.68%	$357.60 Million	$4.12 Billion	+6.05pp
2010-12-31	2.63%	$108.09 Million	$4.11 Billion	-7.86pp
2007-12-31	10.49%	$358.82 Million	$3.42 Billion	-2.45pp
2006-12-31	12.94%	$432.05 Million	$3.34 Billion	+12.65pp
2000-12-31	0.29%	$6.66 Million	$2.31 Billion	--

pp = percentage points

About S&T Bancorp Inc

NASDAQ:STBA USA Banks - Regional

Market Cap

$1.69 Billion

Market Cap Rank

#7080 Global

#2106 in USA

Share Price

$46.55

Change (1 day)

-1.63%

52-Week Range

$34.65 - $47.85

All Time High

$47.85