Company: WSBC
Filing Date: 2025-01-22
Form Type: 425
Source: 0000950170-25-007807
Chunk: 16

Company: WESBANCO INC
Filing Date: 2025-01-22
Form: 425
Chunk 16
---
 TO READ THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE MERGER AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY CONTAIN IMPORTANT INFORMATION. The Registration Statement on Form S-4, which includes the joint proxy statements/prospectus, and other related documents filed by the Company or Premier with the SEC, may be obtained for free at the SEC’s website at www.sec.gov, and from either the Company’s or Premier Financial’s website at www.wesbanco.com or www.premierfincorp.com, respectively. This Current Report on Form 8-K shall not constitute an offer to sell or a solicitation of an offer to buy any securities nor shall there be any sale of securities in any state or jurisdiction in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. 3 No Offer or Solicitation ©2025 WesBanco Inc. | All rights reserved

• Continued strong loan growth both year-over-year and quarter-over-quarter, driven by commercial lending ▪ Total loans have grown at a compound annual rate of 9.1% since year-end 2021 • Deposit growth fully funded loan growth both year-over-year and quarter-over-quarter ▪ Deposit growth, excluding CDs, increased 3.9% year-over-year • Fee income increased $6.3 million, or 21%, year-over-year • WesBanco remains well-capitalized with solid liquidity, a strong balance sheet with capacity to fund loan growth, and key credit quality metrics at low levels • Nationally recognized as one of America’s Best Regional Banks and a Most Trusted Company in America 4 Net Income Available to Common Shareholders and Diluted EPS(1) $47.6 million; $0.71/share Total Loan Growth +6.6% QoQ (annualized); +8.7% YoY Total Deposit Growth +8.6% QoQ (annualized); +7.3% YoY Average loans to average deposits 89.2% Non-Performing Assets to Total Assets 0.22% Tangible Common Equity to Tangible Assets(1) 8.70% Loan growth of $1 billion matched by deposit growth of $1 billion Note: financial and operational highlights during the quarter ended December