Company: WSBC
Filing Date: 2025-03-03
Form Type: 10-K
Source: 0000950170-25-030795
Chunk: 217

Company: WESBANCO INC
Filing Date: 2025-03-03
Form: 10-K
Item: Item 7
Chunk 217
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31, 2024. This category represents 39.1% of risk-based capital, compared to 36.8% at December 31, 2023.  

Lodging represents the fifth largest category of commercial loan exposure with total exposure of $753 million. Lodging exposure increased 8.5% from December 31, 2023 to December 31, 2024. This represents 38.3% of total risk-based capital at December 31, 2024, compared to 39.2% at December 31, 2023.

Services represents the sixth largest category of commercial exposure with total exposure of $747 million. Services increased 4.6% from December 31, 2023 to December 31, 2024. This category represents 38.0% of risk-based capital, compared to 40.3% at December 31, 2023.  

In addition to the methods in which Wesbanco monitors the CRE portfolio for possible concentrations of risk, the regulatory agencies use a two-tiered assessment to determine whether a bank has an overall concentration of CRE lending as a percentage of bank total risk-based capital. Loan balances used to determine compliance are based upon Call Report instructions and therefore do not necessarily match the balances displayed in Table 14. The first tier measures loans for land, land development, residential and commercial construction. This tier totals $1.4 billion or 72.4% of total risk-based capital at December 31, 2024, compared to $1.2 billion or 65.5% at December 31, 2023. The regulatory guidance for the first tier is 100% of total risk-based capital. The second tier measures loans included in the first tier plus multi-family apartments and other commercial investment property. This tier totals $5.6 billion or 284.7% of total risk-based capital at December 31, 2024, compared to $5.0 billion or 285.1% at December 31, 2023. The regulatory guidance for the second tier is 300% of total risk-based capital. The regulatory agencies also consider whether a bank’s CRE portfolio 

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has increased by 50% or more within the prior thirty-six months of the assessment date. Total CRE exposure increased $1.5 billion or 36.4% for the thirty-six month period ended December 31, 2024.

Basel III requires banks to identify High Volatility Commercial Real