Company: WSBC
Filing Date: 2025-01-22
Form Type: 425
Source: 0000950170-25-007807
Chunk: 17

Company: WESBANCO INC
Filing Date: 2025-01-22
Form: 425
Chunk 17
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31, 2024 (1) Non-GAAP measure – please see reconciliation in appendix; excludes restructuring and merger-related expenses Q4 2024 Financial and Operational Highlights ©2025 WesBanco Inc. | All rights reserved

H / (L) H / (L) H / (L) 12/31/24 12/31/23 09/30/24 12/31/24 12/31/23 Return on Average Assets (1)(2) 1.02% 28bp 23bp 0.81% (7bp) PTPP Return on Average Assets (1)(2) 1.34% 24bp 22bp 1.16% (9bp) Return on Average Equity (1)(2) 6.75% 154bp 143bp 5.52% (62bp) PTPP Return on Average Equity (1)(2) 8.85% 108bp 130bp 7.94% (77bp) Return on Average Tangible Equity (1)(2) 11.61% 150bp 215bp 9.99% (183bp) PTPP Return on Average Tangible Equity (1)(2) 15.20% 26bp 183bp 14.30% (239bp) Tangible Book Value per Share ($) (1) $22.83 7.3% (0.7%) $22.83 7.3% Efficiency Ratio (1)(2) 61.23% (552bp) (406bp) 64.73% 109bp Net Interest Margin 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 5 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