Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 15

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 15
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 89.2% Non-Performing Assets to Total Assets 0.22% Tangible Common Equity to Tangible Assets(1) 8.70% Loan growth of $1 billion matched by deposit growth of $1 billion Note: financial and operational highlights during the quarter ended December 31, 2024 (1) Non-GAAP measure – please see reconciliation in appendix; excludes restructuring and merger-related expenses Q4 2024 Financial and Operational Highlights ©2025 WesBanco, Inc. | All rights reserved

Comm'l Payoffs Comm'l New Originations All Other Net Advances / (Paydowns) Comm'l Avg Payoff Yield 6.64% Comm'l Avg New Yield 7.46% Total Loan Growth = 8.7% ($MM) Comm'l Payoffs Comm'l New Originations All Other Net Advances / (Paydowns) Total Loan Growth = (non-annualized) 1.6% Comm'l Avg Payoff Yield 6.70% Comm'l Avg New Yield 7.43% ($MM) • +8.7% year-over-year and +1.6% (or +6.6% annualized) quarter-over-quarter ▪ Commercial loan growth was +10.7% year-over-year and +8.5% quarter-over-quarter annualized ▪ Loan growth continues to be driven by the strong performance by our banking teams across our markets • Loan production offices continue to contribute meaningfully to both commercial loan growth and loan pipeline, which was approximately $765 million, as of 12/31/2024 • CRE loan payoffs totaled approximately $160 million during the fourth quarter ($350 million year-to-date) ▪ Normalized historical payoffs are in the $500 million range • C&I line utilization, for the Q4 2024, was ~35%, as compared to a mid-40% range prior to the pandemic 20 Total loans up $1.0 billion year-over-year Q4 2024 Total Portfolio Loans ©2025 WesBanco, Inc. | All rights reserved

($MM) 12/31/24 Total Deposits $ 1 4,134 Total Deposit Accounts (000s) 512 Average Deposit Size ($000s) $ 28 Uninsured Deposits $ 4 ,620 less: Collateralized Municipal Deposits (1,541) Adjusted Uninsured Deposits $ 3 ,079 Uninsured Deposits as % of Total Deposits Before Ex