Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 14

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 14
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 list of the Most Trusted Companies in America • Newsweek again named WesBanco Bank one of America’s Best Regional Banks, based on soundness, profitability, and positively impacting their communities • Newsweek named WesBanco one of America’s Greatest Workplaces, based on an employee survey covering topics like compensation and benefits, training and career progression, work-life balance, and company culture • WesBanco also named one of America’s Greatest Workplaces for Parents and Families, by Newsweek, based on how much parents feel supported in a workplace and the number of corporate programs benefiting families • For the 14th time since the rankings inception in 2010, WesBanco Bank was again named one of the Best Banks in America by Forbes based on soundness, capital, credit quality, and profitability • For the third consecutive year, WesBanco was named one of the best performing 100 largest banks by S&P Global Market Intelligence • Bauer Financial again awarded WesBanco Bank their highest rating as a “five-star” bank – for the 41st consecutive quarter • WesBanco Bank received the America Saves Designation of Savings Excellence for Banks, a designation from America Saves, for the 9th consecutive year and one of only nine banks 17 National accolades a testament to strong performance & foundation Commitment to Excellence ©2025 WesBanco, Inc. | All rights reserved

Financial Overview ©2025 WesBanco, Inc. | All rights reserved

• Continued strong loan growth both year-over-year and quarter-over-quarter, driven by commercial lending ▪ Total loans have grown at a compound annual rate of 9.1% since year-end 2021 • Deposit growth fully funded loan growth both year-over-year and quarter-over-quarter ▪ Deposit growth, excluding CDs, increased 3.9% year-over-year • Fee income increased $6.3 million, or 21%, year-over-year • WesBanco remains well-capitalized with solid liquidity, a strong balance sheet with capacity to fund loan growth, and key credit quality metrics at low levels • Nationally recognized as one of America’s Best Regional Banks and a Most Trusted Company in America 19 Net Income Available to Common Shareholders and Diluted EPS(1) $47.6 million; $0.71/share Total Loan Growth +6.6% QoQ (annualized); +8.7% YoY Total Deposit Growth +8.6% QoQ (annualized); +7.3% YoY Average loans to average deposits