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S&T Bank Review

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S&T Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

S&T Bank was founded in 1902 with headquarters in Indiana, Pennsylvania. It handles $7 billion in assets and deposits totaling $5 billion, classifying it as a large bank. S&T Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Overall, S&T Bank is an acceptable bank choice, but may leave you wanting more, with a rating of 3.7 stars out of 5 from our experts. S&T Bank has a basic array of banking products, including savings accounts, checking accounts, mortgage products and credit cards. S&T Bank has a fair savings rate compared to the average savings account. Banks that offer no-fee checking, in addition to a high savings APY are the best bet for returning the most income from your deposits while having easy access to your money.

How We Rated It

SmartAsset's Overall Rating

3.7/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

2.8
SmartAsset Average: 3.5

S&T Bank features a savings rate of 0.05%, which is poor compared to the national average. S&T Bank's one-year CD earns at a rate of 0.15% and the five-year CD earns at a rate of 1.00%, while its highest-yielding money market account earns at an APY of 0.05%. Given S&T Bank's poor savings rate, you should consider opting for higher earning savings accounts with other banks.

How S&T Bank's Savings Rates Compare

S&T Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

NR
SmartAsset Average: 4.4

There is insufficient data on S&T Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.5
SmartAsset Average: 3.7

S&T Bank is a brick-and-mortar bank, with 60 total bank locations in Ohio and Pennsylvania. With mobile and web apps, S&T Bank makes account access straightforward, even on the go. S&T Bank receives poor reviews from users for its mobile banking services. The S&T Bank mobile app scored a 3.1 out of 5 (out of 300 reviews on iOS and Android) compared to the national average of 3.8. S&T Bank's mobile app lets you manage your bank accounts by reviewing account balances, sending and receiving money and accessing customer service. S&T Bank gets a superb consumer satisfaction rating based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.9
SmartAsset Average: 4.8

S&T Bank is a large bank with $7 billion in assets and deposits totaling $5 billion. It has an excellent Texas Ratio of 2.63%, signifying a minute possibility of failure. Additionally, S&T Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare S&T Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $25
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 0.15% APY
  • 24 Month: 0.35% APY
  • 36 Month: 0.45% APY
  • 48 Month: 0.75% APY
  • 60 Month: 1.00% APY
$500 for all terms
Money Market Accounts 0.05% APY 0.05% APY $10000 $15000

S&T Bank has a basic array of deposit products like savings accounts and checking accounts. S&T Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. S&T Bank's CD rates are fair in comparison to the national average.

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Find a S&T Bank Near Me

S&T Bank has 60 branches in the U.S.

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