Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 8

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 8
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 of 89.2% provides opportunity for continued loan growth ▪ Peer-leading non-interest bearing deposit levels drives competitive funding advantage • Manageable lending exposures ▪ De-emphasized consumer and several CRE categories in recent years ▪ Office investment loan portfolio ~$470 million (<4% of the total loan portfolio) and in stable condition • Geographically diverse (no Tier 1 cities) • Average loan-to-value ~59% • Average debt service coverage ratio ~1.5x 8 Focus on balanced loan growth with strong underwriting standards Note: loan and deposit data as of quarter ending 12/31/2024; loan-to-value and debt service coverage as of 9/30/2024; office investment portfolio excludes owner-occupied; Organic CAGR, as of 12/31/2024, excludes closed acquisitions since 12/31/2021 (see slide 13) Diversified Loan Portfolio $12.7 Billion Loan Portfolio Loan Category C&I Comm’l R/E (Total) HELOC Residential R/E Consumer Total 4% 10% 11% 14% (10%) Organic 4% 10% 11% 14% (10%) CAGR Since 12/31/2021 ©2025 WesBanco, Inc. | All rights reserved

Securities Brokerage • $1.9B in account value • 11,550+ accounts • Securities investment sales • Investment advisory services • Licensed banker and regional player/coach programs • Expansion opportunities in KY, IN, and Mid-Atlantic markets, as well as external business development opportunities Trust & Investment Services • $6.0B of trust and mutual fund assets under management • 6,800+ relationships • Legacy market private wealth management growth opportunities • Expansion opportunities in the Mid-Atlantic market • WesMark Funds – six proprietary funds across equities, bonds, and tactical assets 9 Strong capabilities built upon a century of success Note: assets, loans, deposits, and clients as of 12/31/2024; chart financials as of 12/31 unless otherwise stated; Trust & Investment Services trust and mutual fund assets under management are market value and Securities Brokerage is account value (including annuities and managed accounts) Wealth Management 2013 2016 2019 2022 2024 Loans Deposits $0.1 $0.4 $0.8 $1.1 Private Client Loans and Deposits (as of 12/31) ($B