Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 22

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 22
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 3.03% 1bp 8bp 2.96% (18bp) Average Loans to Average Deposits 89.24% 217bp (134bp) 89.48% 377bp Non-Performing Assets to Total Assets 0.22% 6bp 5bp 0.22% 6bp Net Loan Charge-offs to Average Loans (annualized) 0.13% 7bp 8bp 0.11% 7bp Quarter Ending Year-to-Date 29 Key metrics Note: PTPP = pre-tax, pre-provision (1) Non-GAAP measure – please see reconciliation in appendix (2) Excludes restructuring and merger-related expenses Q4 2024 Financial and Operational Highlights ©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