Todd Brice

President and

Chief Executive Officer

Mark Kochvar

Sr. EVP and

Chief Financial Officer

Exhibit 99.1

Forward Looking Statement

and Risk Factor

•

This

presentation

contains

certain

forward-looking

statements

within

the

meaning

of

Section

27A

of

the

Securities

Act

of

1933

and

Section

21E

of

the

Securities

Exchange

Act

of

1934.

Forward-

looking

statements

include,

among

others,

statements

regarding

trends,

strategies,

plans,

beliefs,

intentions,

expectations,

goals

and

opportunities.

Forward

looking

statements

are

typically

identified

by

words

or

phrases

such

as

believe,

expect,

anticipate,

intend,

estimate,

assume,

strategy,

plan,

outlook,

outcome,

continue,

remain,

trend

and

variations

of

such

words

and

similar

expressions,

or

future

or

conditional

verbs

such

as

will,

would,

should,

could,

may

or

similar

expressions.

Actual

results

and

performance

could

differ

materially

from

those

anticipated

by

these

forward-looking

statements.

Factors

that

could

cause

such

a

difference

include,

but

are

not

limited

to,

general

economic

conditions,

changes

in

interest

rates,

deposit

flows,

loan

demand,

asset

quality,

including

real

estate

and

other

collateral

values,

and

competition.

•

S&T

cautions

that

these

forward-looking

statements

are

subject

to

numerous

assumptions,

risks

and

uncertainties,

which

change

over

time.

These

forward-looking

statements

speak

only

as

of

the

date

hereof,

and

S&T

assumes

no

duty

to

update

forward-looking

statements.

Subsequent

written

or

oral

statements

attributable

to

S&T

or

persons

acting

on

its

behalf

are

expressly

qualified

in

their

entirety

by

the

cautionary

statements

contained

herein

and

those

in

S&T’s

reports

previously

and

subsequently

filed

with

the

Securities

and

Exchange

Commission.

Non-GAAP Financial Measures

•

In

addition

to

the

results

of

operations

presented

in

accordance

with

Generally

Accepted

Accounting

Principles

(GAAP),

S&T

management

uses

and

this

presentation

contains

or

references

certain

non-GAAP

financial

measures,

such

as

net

interest

income

on

a

fully

taxable

equivalent

basis.

S&T

believes

these

financial

measures

provide

information

useful

to

investors

in

understanding

our

operational

performance

and

business

and

performance

trends

which

facilitate

comparisons

with

the

performance

of

others

in

the

financial

services

industry.

Although

S&T

believes

that

these

non-GAAP

financial

measures

enhance

investors’

understanding

of

S&T’s

business

and

performance,

these

non-GAAP

financial

measures

should

not

be

considered

an

alternative

to

GAAP.

The

non-GAAP

financial

measures

contained

therein

should

be

read

in

conjunction

with

the

audited

financial

statements

and

analysis

as

presented

in

the

Annual

Report

on

Form

10-K

as

well

as

the

unaudited

financial

statements

and

analyses

as

presented

in

the

respective

Quarterly

Reports

on

Forms

10-Q

for

S&T

Bancorp,

Inc.

and

subsidiaries.

Corporate Profile

The Right Size

•

Big enough to:

–

Provide full complement of products and services

–

Access technology

–

Access capital markets

–

Attract talent

–

Expand –

mergers and acquisitions/de novo

•

Small enough to:

–

Stay close to our customers

–

Understand our markets

–

Be responsive

STBA Investment Thesis

•

Stable Western PA economy

•

Long-term Marcellus Shale benefit

•

Opportunistic & effective acquisitions/expansions

•

Loan growth

•

Excellent asset quality

•

Demonstrated expense discipline and efficiency

•

Historically high performer

•

Undervalued compared to peer

Source:  Federal Reserve Bank of St. Louis

Seasonally adjusted

Source:  Federal Reserve Bank of St. Louis

All Transactions; Not seasonally adjusted

Index 2005: Q1=100

Long-Term Marcellus Shale Benefit

Opportunistic & Effective Acquisitions/Expansions

•

2014 –

Hired two community bankers in

-

State College, PA

•

2014 –

Loan production office opened in

-

Columbus, OH

•

2012 –

Loan production office opened in

$ 106

*

Fairlawn, OH

•

2012 -

Gateway Bank of Pennsylvania

126

•

2012 -

Mainline Bancorp

242

•

2008 -

IBT Bancorp

827

•

2002 -

Peoples Financial Corp

344

Assets/Deposits Acquired

*Loans outstanding as of 12/31/13

Dollars in Millions

* Bank Holding Companies $3-10 Billion of Assets

* Bank Holding Companies $3-10 Billion of Assets

* Bank Holding Companies $3-10 Billion of Assets

* Bank Holding Companies $3-10 Billion of Assets

* Bank Holding Companies $3-10 Billion of Assets

Source: Bloomberg

*KRX –

KBW Regional Banking Index as of 3.13.14

Source: Bloomberg

*KRX –

KBW Regional Banking Index as of 3.13.14

4 Lines of Business

Commercial Banking

Retail Banking

Wealth Management

Insurance

Commercial Banking

•

38 commercial lenders

•

15 business bankers

•

Privately held companies with sales

up to $150 million

•

Northeast Ohio loan production office,

August, 2012

•

Central Ohio loan production office,

January, 2014

Retail Banking

•

Over 110,000 households

•

55 branches

•

Average branch size of $66.8 million

•

Strong markets

–

Market deposit growth projections for 75% of branches

exceeds national and state averages.

•

Over 75,000 customers enrolled in online banking

•

Over 19,500 customers enrolled in mobile banking

Wealth Management

•

$1.9 billion AUM

•

3 divisions

–

S&T Trust

–

S&T Financial Services

–

RIA/Stewart Capital

•

Annual revenue of $10.7 million; double digit growth

•

Mineral management capabilities

S&T-Evergreen Insurance

•

Full service agency

–

Commercial P&C (75%)

–

Group life and health (13%)

–

Personal lines (12%)

•

Annual revenue of $5.4 million

•

Focus on increasing penetration of

S&T customer base

Annual Summary

Dollars in thousands, except per share data

*

Refer to appendix for reconciliation of Non-GAAP financial measures

Income Statement

Dollars in thousands, except per share data

Balance Sheet

Dollars in thousands

Loan Portfolio

Dollars in thousands

Asset Quality

Capital Ratios

*

Refer to appendix for reconciliation of Non-GAAP financial measures

APPENDIX –

Non-GAAP Measures