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Loans and Loans Held for Sale (Tables)
 12 Months Ended
Dec. 31, 2020
Receivables [Abstract]  
Composition of Loans
The following table summarizes the composition of originated and acquired loans as of the dates presented:
December 31,
(dollars in thousands)20202019
Commercial
Commercial real estate$2,791,947 $3,059,592 
Commercial and industrial1,559,552 1,480,529 
Commercial construction466,077 370,060 
Business banking1,160,067 846,790 
Total Commercial Loans5,977,643 5,756,971 
Consumer
Consumer Real Estate1,167,332 1,295,207 
Other Consumer80,885 84,974 
Total Consumer Loans1,248,217 1,380,181 
Total Portfolio Loans7,225,860 7,137,152 
Loans held for sale18,528 5,256 
Total Loans(1)
$7,244,388 $7,142,408 
(1) Excludes interest receivable of $24.7 million at December 31, 2020 and $22.1 million at December 31, 2019. Interest receivable is included in other assets in the Consolidated Balance Sheets.
Restructured Loans for Periods Presented and Type of Concession
The following table summarizes our restructured loans as of the dates presented:
December 31, 2020
(dollars in thousands)Performing
TDRs		Nonperforming
TDRs		Total
TDRs
Commercial real estate$14 $16,654 $16,668 
Commercial and industrial7,090 9,885 16,975 
Commercial construction3,267 — 3,267 
Business banking1,503 430 1,933 
Consumer real estate5,581 2,319 7,900 
Other consumer5 — 5 
Total(1)
$17,460 $29,289 $46,748 
The following tables present the restructured loans by loan segment and by type of concession for the years ended December 31:
2020
(dollars in thousands)Number of
Loans
Pre-Modification
Outstanding
Recorded
Investment(1)
Post-Modification
Outstanding
Recorded
Investment(1)
Total
Difference
in Recorded
Investment
Totals by Loan Segment
Commercial Real Estate
Payment deferral 1 5,292 4,791 (501)
Total Commercial Real Estate1 5,292 4,791 (501)
Business Banking
Maturity date extension1 333 165 (168)
Total Business Banking1 333 165 (168)
Commercial and Industrial
Maturity date extension1 11,195 9,605 (1,590)
Maturity date extension and interest rate reduction1 3,735 3,735 — 
Payment delay and below market interest rate2 362 354 (8)
Payment deferral 1 93 22 (71)
Total Commercial and Industrial5 15,385 13,716 (1,669)
Commercial Construction
Maturity date extension3 2,592 2,329 (263)
Total Commercial Construction3 2,592 2,329 (263)
Consumer Real Estate
Consumer bankruptcy(2)
22 988 956 (32)
Maturity date extension and reduction in payment6 670 660 (10)
Payment deferral1 30 29 (1)
Total Consumer Real Estate29 1,688 1,645 (43)
Other Consumer
Consumer bankruptcy(2)
1 5 4 (1)
Total Other Consumer1 $5 $4 $(1)
Totals by Concession Type
Payment deferral 3 5,415 4,842 (573)
Maturity date extension 5 14,120 12,099 (2,021)
Maturity date extension and interest rate reduction1 3,735 3,735 — 
Payment delay and below market interest rate2 362 354 (8)
Consumer bankruptcy(2)
23 993 960 (33)
Maturity date extension and reduction in payment6 670 660 (10)
Total(3)
40 $25,295 $22,650 $(2,645)
(1) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.
(2) Consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed.
(3) Refer to Note 1, Basis of Presentation for details of reclassification of our portfolio segments related to the adoption of ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.
2019
(dollars in thousands)Number of
Loans
Pre-Modification
Outstanding
Recorded
Investment(1)
Post-Modification
Outstanding
Recorded
Investment(1)
Total
Difference
in Recorded
Investment
Totals by Loan Segment
Commercial Real Estate
Maturity date extension and interest rate reduction1 150 145 (6)
Principal deferral3 23,517 23,059 (458)
Principal deferral and maturity date extension1 436 436 — 
Below market interest rate2 569 1,519 950 
Total Commercial Real Estate7 24,672 25,159 486 
Commercial and Industrial
Maturity date extension and interest rate reduction1 4,751 4,136 (616)
Principal deferral1 1,250 1,250 — 
Principal deferral and maturity date extension1 292 275 (17)
Total Commercial and Industrial3 6,294 5,661 (633)
Residential Mortgage
Principal deferral and maturity date extension3 183 183 — 
Consumer bankruptcy(2)
3 165 157 (9)
Total Residential Mortgage6 348 340 (9)
Home equity
Principal deferral and maturity date extension2 39 39 — 
Interest rate reduction2 190 188 (2)
Consumer bankruptcy(2)
29 886 810 (77)
Total Home Equity33 1,116 1,037 (79)
Installment and Other Consumer
Consumer bankruptcy(2)
4 16 11 (5)
Total Installment and Other Consumer4 $16 $11 $(5)
Totals by Concession Type
Maturity date extension and interest rate reduction2 4,902 4,280 (622)
Principal deferral4 24,767 24,309 (458)
Principal deferral and Maturity date extension7 950 933 (17)
Interest rate reduction2 190 188 (2)
Below market interest rate2 569 1,519 950 
Consumer bankruptcy(2)
36 1,068 977 (91)
Total(3)
53 $32,446 $32,206 $(240)
(1) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.
(2) Consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed.
(3) Refer to Note 1, Basis of Presentation for details of reclassification of our portfolio segments related to the adoption of ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.
Schedule of Nonperforming Assets
The following table is a summary of nonperforming assets as of the dates presented:
December 31,
(dollars in thousands)20202019
Nonperforming Assets
Nonaccrual loans$117,485 $45,145 
Nonaccrual TDRs29,289 8,912 
Total nonaccrual loans146,774 54,057 
OREO2,155 3,525 
Total Nonperforming Assets$148,929 $57,582 
The following table presents loans on nonaccrual status and loans past due 90 days or more and still accruing by class of loan:
December 31, 2020
December 31, 2020For the twelve months ended
(dollars in thousands)Beginning of Period NonaccrualEnd of Period Nonaccrual Nonaccrual With No Related AllowancePast Due 90+ Days Still Accruing
Interest Income Recognized on Nonaccrual(1)
Commercial real estate$25,356 $101,070 $60,401 $— $22 
Commercial and industrial10,911 16,985 6,436 — 101 
Commercial construction737 384 285 — — 
Business banking9,863 17,122 3,890 371 275 
Consumer real estate6,063 11,117 398 132 423 
Other consumer1,127 96 — — 4 
Total$54,057 $146,774 $71,410 $503 $826 
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
Summary of Aggregate Amount of Loans to Officers and Directors
The following table presents a summary of the aggregate amount of loans to certain officers, directors of S&T or any affiliates of such persons as of December 31:
20202019
Balance at beginning of year$8,225 $8,682 
New loans3,343 2,442 
Repayments or no longer considered a related party(5,239)(2,899)
Balance at end of year$6,329 $8,225