Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 12

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 12
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2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Assets ($B) Total Non-Int Exp / Total Assets(1) 14 Track-record of expense control with on-going enhancement efforts Note: financial data as of 12/31; current year data as of 12/31/2024 year-to-date; balance sheet data as of period ends (1) Non-GAAP measure – please see reconciliation in appendix; non-interest expense does not exclude restructuring and merger-related expenses; Delivering Positive Operating Leverage ESB Merger (Feb-15) Fidelity Merger (Nov-12) YCB Merger (Sep-16) FTSB (Apr-18) & FFKT (Aug-18) Mergers OLBK Merger (Nov-19) • Track-record of disciplined growth, balanced by a fundamental focus on expense management and supported by franchise-enhancing acquisitions, in order to deliver positive operating leverage and enhance shareholder value ©2025 WesBanco, Inc. | All rights reserved

• Strong legacy of credit and risk management and regulatory compliance ▪ Based upon conservative underwriting standards and approval processes supported by centralized back-office and loan funding functions • Mature enterprise risk management program headed by Chief Risk Officer addressing key risks in all business lines and functional areas • Enhanced compliance and risk management system and testing platform ▪ Strong and scalable BSA/AML function ▪ Examined by CFPB for consumer compliance supervision • Eight consecutive “outstanding” CRA ratings since 2003 • Strong regulatory capital ratios significantly above regulatory requirements 15 Capital ratios above both regulatory and well-capitalized levels Note: capital ratios enhanced by August 2020 preferred stock issuance of $150MM and August 2024 common equity raise of $200MM (in conjunction with the pending acquisition of Premier Financial Corp.); effective 4Q2019, Tier 1 Capital Ratios negatively impacted by the movement of ~$130MM of TruPS from Tier 1 to Tier 2 risk-based capital, as required by the Dodd-Frank Act for financial institutions with total assets >$15B Strong Risk Management and Capital Position 10.51% 10.02% 9.90% 9.87% 10.68% 4Q2020 4Q2021 4Q2022 4Q202