Company: WSBC
Filing Date: 2025-01-22
Form Type: 425
Source: 0000950170-25-007807
Chunk: 24

Company: WESBANCO INC
Filing Date: 2025-01-22
Form: 425
Chunk 24
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7.95% 8.20% 8.79% 9.28% 10.02% 10.52% 9.84% 8.19% 8.49% 9.52% 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Tangible Equity to Tangible Assets (2) Tier 1 Risk-Based Capital Ratio 10.43% 13.21% 11.12% 11.94% 12.68% 12.82% 13.06% 13.76% 13.35% 13.16% 14.12% 15.09% 12.89% 14.72% 14.05% 12.33% 12.05% 13.06% 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Well-Capitalized 8.0% Required 6.0% • Strong regulatory capital ratios significantly above both regulatory requirements and well-capitalized levels, with favorable tangible equity levels compared to peers • ~1.0 million shares continue to remain for repurchase (as of 12/31/2024)(1) • No shares repurchased on the open market during Q4 2024 Strong Capital Position ©2025 WesBanco Inc. | All rights reserved

Appendix ©2025 WesBanco Inc. | All rights reserved

($000s) 12/31/24 09/30/24 12/31/23 12/31/24 12/31/23 Income before Provision for Income Taxes $61,937 $44,773 $43,526 $185,114 $194,049 Provision for Credit Losses (147) 4,798 4,803 19,206 17,734 Pre-Tax, Pre-Provision Income ("PTPP") $61,790 $49,571 $48,329 $204,320 $211,783 Restructuring and Merger-Related Expense 646 1,977 0 6,