S&T Bancorp STBA Number of modified contracts with payment default

A payment default is defined as a loan having a payment past due 90 days or more. There were two payment defaults on previously modified loans to borrowers experiencing financial difficulty in the amount of $10.3 million during the three months ended June 30, 2026 and three payment defaults in the amount of $13.7 million during the six months ended June 30, 2026 compared to one payment default in the amount of $0.1 million during the three months ended June 30, 2025 and two payment defaults in the amount of $3.9 million during the six months ended June 30, 2025. Additionally, we had twelve commitments to lend an additional $1.7 million to borrowers experiencing financial difficulty that had a modification during the twelve months ended June 30, 2026 and eleven commitments to lend an additional $0.1 million to borrowers experiencing financial difficulty that had a modification during the same period in 2025.