Company: WSBC
Filing Date: 2025-01-22
Form Type: 425
Source: 0000950170-25-007807
Chunk: 19

Company: WESBANCO INC
Filing Date: 2025-01-22
Form: 425
Chunk 19
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 and retention campaign ▪ When excluding CDs, total deposits increased 3.9% year-over-year and 7.7% quarter-over-quarter annualized ▪ Strong sequential quarter deposit growth of $233 million (excluding CD growth) fully funded solid loan growth of $205 million • Distribution: consumer ~54% and business ~33% (note: public funds, which are separately collateralized, ~13%) • The composition of total deposits has stabilized as total demand deposits represented 54% of total deposits, with the non-interest bearing component representing 27%, throughout the year • Average loans to average deposits were 89.2%, providing continued capacity to fund loan growth Q4 2024 Total Deposits ©2025 WesBanco Inc. | All rights reserved

95% States & Political Subdivisions 5% Other 71% Mortgage-Backed: Residential 10% Mortgage-Backed: Commercial 15% U.S. Gov't Entities/Agencies 4% Other Equities 0% Available-for- Sale 66% Held-to- Maturity 34% 12/31/24 $3,412 = ($MM) ($MM) 12/31/24 Tangible Common Equity (1) $ 1 ,528 HTM Securities Unrealized Losses (111) Adjusted Tangible Common Equity $ 1 ,416 Tangible Assets (1) $ 1 7,566 HTM Securities Unrealized Losses (111) Adjusted Tangible Assets $ 1 7,455 8.70% 8.12% Tangible Common Equity to Tangible Assets (1) Adjusted Tangible Common Equity to Tangible Assets ($MM) 12/31/24 $ 1 ,751 $ ( 335) Unrealized Losses as % of CET 1 19.1% AFS+HTM Net Unrealized Losses (after-tax) Common Equity Tier 1 Capital (CET 1) • Tangible common equity to tangible assets ratio improved 108 basis points year-over-year to 8.70% • Weighted average yield 2.63% vs. 2.48% last year • Weighted average duration 4.7 • Total unrealized securities losses (after-tax): ▪ Available for Sale (“AFS”) = $224MM ▪ Held to Maturity (“HTM”) = $111MM • Note: HTM losses not recognized in accumulated other comprehensive income 8 Securities 18.3