Side-by-side · Q2 2026 data
S&T Bank vs PennCrest Bank
Metric by metric
| Measure | S&T Bank | PennCrest Bank |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 60 | 85 (stronger) |
| Loan quality | 83 | 83 |
| Earnings | 79 (stronger) | 39 |
| Funding & liquidity | 39 | 86 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 58th | 64th |
| Total assets | $9.9B | $247.1M |
| Deposits / shares | $8.1B | $210.0M |
| Capital ratio | 11.02% | 13.48% (stronger) |
| Problem loans | 0.50% (stronger) | 0.50% |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.47% (stronger) | 0.47% |
| Loans ÷ deposits | 98.1% | 74.4% (stronger) |
| Uninsured deposits | 35.8% | 6.4% (stronger) |
| Offices | 71 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.1% | 15.0% |
PennCrest Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), S&T Bank leads on 2 and PennCrest Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Altoona, PA
- Gallitzin, PA