S&T Bancorp is a bank holding company whose primary subsidiary, S&T Bank, is a full-service Pennsylvania-chartered bank that operates branches across Pennsylvania and Ohio, offering consumer, commercial, and small business banking services including deposit-taking, loan origination, brokerage, trust, and wealth management. The company primarily serves individuals and small to medium-sized businesses in Pennsylvania and surrounding states, competing with commercial banks, credit unions, and fintech providers while differentiating itself through relationship-based banking, local decision-making, and personalized customer service. S&T generates revenue through traditional banking activities including interest income from loans and deposits, as well as fees from trust services, wealth management, insurance products, and brokerage offerings.