Company: WSBC
Filing Date: 2025-01-22
Form Type: 425
Source: 0000950170-25-007807
Chunk: 23

Company: WESBANCO INC
Filing Date: 2025-01-22
Form: 425
Chunk 23
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 Losses as % of Total Loans 2.22% 2.30% 2.15% 2.36% 2.80% 3.02% 3.21% 3.40% 3.61% 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 WSBC $10-25B Banks Criticized & Classified Loans as % of Total Loans Strong Legacy of Credit Quality ©2025 WesBanco Inc. | All rights reserved

Portfolio Change / Economic Factors Office Portfolio Other Qualitative adjustments and reserves for specific loans Other qualitative adjustements and other miscellaneous adjustments Loan portfolio growth Changes to macroeconomic variables and quantitative and qualitative economic factors ($MM) 13 Allowance coverage ratio of 1.10% Note: ACL at 12/31/2024 excludes off-balance sheet credit exposures of $6.1 million • The allowance for credit losses was $138.8 million at December 31, 2024, which provided a coverage ratio of 1.10% • Excluded from the allowance for credit losses and related coverage ratio are fair market value adjustments on previously acquired loans representing 0.08% of total loans • The decrease in the allowance was driven by improvements in the macroeconomic forecasts related to lower unemployment assumptions and a more normalized yield curve offsetting loan portfolio growth and office portfolio reserves Q4 2024 Current Expected Credit Loss (CECL) ©2025 WesBanco Inc. | All rights reserved

Capital ratios above both regulatory and well-capitalized levels Note: financial data as of quarter ending 12/31; current year data as of 12/31/2024; WSBC adopted Current Expected Credit Losses (“CECL”) accounting standard on 1/1/2020; in conjunction with the pending acquisition of Premier Financial Corp., WSBC raised$200MM of common equity on 8/1/2024 to support the pro-forma bank’s balance sheet, regulatory ratios, and future growth (1) Under the existing share repurchase authorization that was approved on February 24, 2022 by WesBanco’s Board of Directors (2) Non-GAAP measure – please see reconciliation in appendix 5.94% 7.90% 5.88% 6.33% 6.73% 6.84% 7.35% 7.88%