S & T Bancorp Inc (STBA)

[Penny Roger$]

S&T Bancorp, Inc. (S&T),is a bank holding company and has three wholly owned subsidiaries, S&T Bank, 9th Street Holdings, Inc. and STBA Capital Trust I. S&T Bank is a full service bank. It operates in three segments: Community Banking, Wealth Management and Insurance. Its Community Banking segment offers services, which include accepting time and demand deposit accounts, originating commercial and consumer loans, and providing letters of credit and credit card services. The Wealth Management segment offers discount brokerage services, services as executor and trustee under wills and deeds, guardian and custodian of employee benefits and other trust and brokerage services, as well as an investment advisor that manages private investment accounts for individuals and institutions. The Insurance segment includes a full-service insurance agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions and personal insurance lines.

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