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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


S&T Bank was founded in 1902 and is headquartered in Indiana, Pennsylvania. It manages assets of $7 billion as well as $5 billion in deposits, making it 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. On the whole, S&T Bank is a bank with better alternatives, with a rating of 3.7 out of 5 stars from our team. S&T Bank offers the basic package of product offerings, including savings accounts, checking accounts, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. Obtaining a checking account with no monthly fee and a savings account with a high APY at the same bank is your best option for accruing the most income from your deposits while having easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

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


SmartAsset Average: 3.5

With a savings rate of 0.05%, S&T Bank ranks poorly in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 0.15% and 1.00%, respectively, while its highest-yielding money market account earns at an APY of 0.05%. Given S&T Bank's poor savings rate, you should think about other options to earn more on your deposits.

How S&T Bank's Savings Rates Compare

S&T Bank Savings 0.05 National Average 0.26 Compare Offers
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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

SmartAsset Average: 3.7

S&T Bank is a brick-and-mortar bank, with 60 total branches in Ohio and Pennsylvania. It also offers access to mobile and web apps for a straightforward mobile-banking experience. S&T Bank receives poor reviews from customers for its mobile app. The S&T Bank mobile app rates a 3.1 out of 5 (with 300 reviews on iOS and Android) compared to the national average of 3.8. S&T Bank's mobile app lets you control your bank accounts by reviewing monthly statements, sending and receiving money as well as accessing customer service. S&T Bank gets a superb consumer satisfaction rating due to comparatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored 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

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 that the bank is in terrific financial shape and far from 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 Account 0.05% APY $25000

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 think about taking a look 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 other U.S. banks.

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Find a S&T Bank Near Me

S&T Bank has 60 physical locations across the U.S.

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