Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 37

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 37
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 Tier1Risk-BasedCapital (Consolidated) 11.6% 12.4% 10.3% TotalRisk-BasedCapital (Consolidated) 14.4% 14.3% 13.2% Tier1LeverageRatio (Bank) 10.0% 10.4% 9.0% Tier1CommonRatio (Bank) 11.9% 12.6% 10.9% Tier1Risk-BasedCapital (Bank) 11.9% 12.6% 10.9% TotalRisk-BasedCapital (Bank) 12.8% 13.7% 12.1% C&D Concentration (Bank) 61% 68% 66% CRE Concentration (Bank) 290% 264% 299% Pro forma capital ratios remain strong, supported by additional common equity and balance sheet repositioning Acquisition of Premier Financial Corp. 47 Capital adequacy (1) Pro-forma capital ratios inclusive of MTM adjustments and ~$191mm of net proceeds from capital raise down-streamed to the bank to pay off bank level borrowings; C&D loans grown at an annualized rate of 3%; PFC CRE concentration decreases $100m from June 30, 2024 levels; WSBC increases by $150mm from June 30, 2024 levels ©2025 WesBanco, Inc. | All rights reserved

Capital accretion post transaction Appendix 48 CET1 Capital Ratio (%) Total Risk-Based Capital (%) Leverage Ratio (%) Tier 1 Risk-Based Capital Ratio (%) 9.6 10.1 10.9 11.3 At Close 12/31/2025 8.6 9.0 9.0 9.5 At Close 12/31/2025 13.2 13.5 12.1 12.5 At Close 12/31/2025 10.3 10.7 10.9 11.3 At Close 12/31/2025 Note: Pro-forma capital ratios inclusive of MTM adjustments and ~$191mm of net proceeds from capital raise down-streamed to the bank Consolidated Bank-Level ©2025 WesBanco, Inc. | All rights reserved

Illustrative pro forma earnings accretion reconciliation Illustrative Fully Phased-In EPS Accretion Appendix 49 Adjusted Unadjusted Dollars in millions; excluding per share data