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.

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. Check S&T Bancorp Inc (STBA) strategic asset index to assess the company's strategic physical and investment asset allocation.

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 S&T Bancorp Inc stock valuation.

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
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

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

$1.89 Billion

Market Cap Rank

#6816 Global

#2117 in USA

Share Price

$52.15

Change (1 day)

-0.11%

52-Week Range

$34.65 - $53.36

All Time High

$53.36