# EDGAR Filing Document

**Accession Number:** 0000203596
**File Stem:** 0001193125-25-199723
**Filing Date:** 2025-9
**Character Count:** 67328
**Document Hash:** a31eba67ccd4cd15fbef8a93fc7f4c64
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-199723.hdr.sgml**: 20250910

**ACCESSION NUMBER**: 0001193125-25-199723

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 50

**CONFORMED PERIOD OF REPORT**: 20250910

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250910

**DATE AS OF CHANGE**: 20250910

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WESBANCO INC
- **CENTRAL INDEX KEY:** 0000203596
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 550571723
- **STATE OF INCORPORATION:** WV
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39442
- **FILM NUMBER:** 251304732

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK PLAZA
- **CITY:** WHEELING
- **STATE:** WV
- **ZIP:** 26003
- **BUSINESS PHONE:** 3042349000

**MAIL ADDRESS:**
- **STREET 1:** ONE BANK PLZ
- **CITY:** WHEELING
- **STATE:** WV
- **ZIP:** 26003

?xml version='1.0' encoding='ASCII'? 8-K

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### WASHINGTON, D.C. 20549

### FORM 8-K

#### CURRENT REPORT

#### Pursuant to Section 13 or 15(d)

#### of the Securities Exchange Act of 1934

#### Date of Report (Date of earliest event reported): September 10, 2025
![LOGO](g877486g0906075804150.jpg)

## Wesbanco, Inc.

#### (Exact name of Registrant as Specified in Its Charter)

---

| | | |
|:---|:---|:---|
| **West Virginia** | **001-39442** | **55-0571723** |
| **(State or Other Jurisdiction**<br> **of Incorporation)** | **(Commission**<br> **File Number)** | **(IRS Employer**<br> **Identification No.)** |

---

---

| | |
|:---|:---|
| **1 Bank Plaza,**<br> **Wheeling, WV** | **26003** |
| **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

#### Registrant's Telephone Number, Including Area Code: (304) 234-9000

#### Former Name or Former Address, if Changed Since Last Report: Not Applicable
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading**<br> **Symbol** | **Name of each exchange**<br> **on which registered** |
| Common Stock $2.0833 Par Value | WSBC | NASDAQ Global Select Market |
| Depositary Shares (each representing 1/40th interest in a share of 6.75% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A) | WSBCP | NASDAQ Global Select Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

#### EXPLANATORY NOTE
As previously disclosed, on February 28, 2025, Wesbanco, Inc. ("Wesbanco") completed its acquisition of Premier Financial Corp. ("Premier Financial"). This Current Report on Form 8-K is being filed, in part, to provide an updated unaudited pro forma condensed combined statement of income (the "Updated Pro Forma Financial Information"), which is included in Exhibit 99.1 to this Current Report on Form 8-K.

The Updated Pro Forma Financial Information updates and supplements the unaudited pro forma condensed combined financial information of the Company and Premier Financial and related disclosures contained in Exhibit 99.3 to the Company's Current Report on Form 8-K/A filed on March 28, 2025 (the "Prior Report"). To the extent that information in this Current Report on Form 8-K differs from or updates information contained in the Prior Report, the information in this Current Report on Form 8-K shall supersede or supplement the information in the Prior Report.

---

| | |
|:---|:---|
| **Item 7.01** | **Regulation FD Disclosure**  |

---

Furnished as Exhibit 99.2 to this Current Report on Form 8-K is a presentation that representatives of Wesbanco may use in connection with various investor presentations from time to time.

In accordance with General Instruction B.2. of Form 8-K, the information in this Item 7.01 and the accompanying Exhibit 99.2 shall not be deemed to be filed for the purpose of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that Section.

---

| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits**  |

---

**(d)** Exhibits:

99.1 [Unaudited pro forma condensed combined statement of income for the six months ended June 30, 2025.](d877486dex991.htm)

99.2 [Investor Presentation.](d877486dex992.htm)

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

------

#### SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
|  | <u>Wesbanco, Inc.</u> |
|  | (Registrant) |
| Date: September 10, 2025 | /s/ Daniel K. Weiss, Jr. |
|  | Daniel K. Weiss, Jr. |
|  | Senior Executive Vice President and Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1** 

**UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION** 

The following unaudited pro forma condensed combined financial information is based on the historical financial statements of Wesbanco, Inc. ("Wesbanco") and Premier Financial Corp. ("Premier Financial"), and has been prepared to illustrate the financial effect of the merger of Premier Financial with and into Wesbanco, which became effective on February 28, 2025 (the "Merger"). The following unaudited pro forma condensed combined statement of income combines the historical results of operations of Wesbanco and its subsidiaries and of Premier Financial and its subsidiaries, as an acquisition by Wesbanco of Premier Financial using the acquisition method of accounting (Accounting Standards Codification (ASC) 805 "Business Combinations") and giving effect to the related pro forma adjustments described in the accompanying notes. Under the acquisition method of accounting, the assets and liabilities of Premier Financial will be recorded by Wesbanco at their respective fair values as of the date the Merger is completed. The pro forma financial information should be read in conjunction with Wesbanco's Annual Report on Form 10-K for the fiscal year ended December 31, 2024 and Premier Financial's Annual Report on Form 10-K for the fiscal year ended December 31, 2024, which are incorporated by reference herein.

The unaudited pro forma condensed combined statement of income set forth below assumes that the Merger was consummated on January 1, 2025 and gives effect to the Merger, for purposes of the unaudited pro forma condensed combined statements of income, as if it had been effective during the entire period presented.

This unaudited pro forma condensed combined statement of income reflects the Merger based upon estimated preliminary acquisition accounting adjustments. Actual adjustments will be made as of the effective date of the Merger and, therefore, may differ from those reflected in the unaudited pro forma condensed combined statement of income.

The unaudited pro forma condensed combined statement of income included herein is presented for informational purposes only and does not necessarily reflect the financial results of the combined company had the companies actually been combined at the beginning of the period presented. This information has been adjusted to give effect to pro forma events that are (i) directly attributable to the acquisition of Premier Financial, (ii) factually supportable, and (iii) expected to have a continuing impact on the combined results. The adjustments included in these unaudited pro forma condensed statement of income are preliminary and may be revised. This information also does not reflect the benefits of the expected cost savings, expense efficiencies or any potential balance sheet restructuring, opportunities to earn additional revenue, potential impacts of current market conditions on revenues, or asset dispositions, among other factors, and includes various preliminary estimates and may not necessarily be indicative of the financial position or results of operations that would have occurred if the Merger had been consummated on the date or at the beginning of the period indicated or which may be attained in the future. The unaudited pro forma condensed combined statement of income and accompanying notes should be read in conjunction with and are qualified in their entirety by reference to the historical consolidated financial statements and related notes thereto of Wesbanco and its subsidiaries and of Premier Financial and its subsidiaries. Such information and notes thereto are incorporated by reference herein.

------

**Wesbanco, Inc.** 

**Unaudited Pro Forma Condensed Combined Statement of Income** 

**For the Six Months Ended June 30, 2025** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Wesbanco,<br>Inc.** | **Premier<br>Financial<br>Corp. (1)** | **Transaction<br>Adjustments (2)** | | **Pro Forma<br>Combined<br>Wesbanco,<br>Inc.** |
|  **Interest Income** |  |  |  |  |  |
|  Loans, including fees | $508512 | $54933 | $12695 | (a) | $576140 |
|  Securities and other | 81102 | 7103 | 1187 | (b) | 89392 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Interest Income** | 589614 | 62036 | 13882 |  | 665532 |
|  **Interest Expense** |  |  |  |  |  |
|  Deposits | 173232 | 23068 | (1528) | (c) | 194772 |
|  Other borrowings | 41094 | 4146 | 368 | (d) | 45608 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Interest Expense** | 214326 | 27214 | (1160) |  | 240380 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Net Interest Income** | 375288 | 34822 | 15042 |  | 425152 |
|  Provision for credit losses | 72101 |  |  |  | 72101 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Net Interest Income After** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Provision for Credit Losses** | 303187 | 34822 | 15042 |  | 353051 |
|  **Non-Interest Income** | 78622 | 8250 | (850) | (e) | 86022 |
|  **Non-Interest Expense** | 320500 | 29668 | 4140 | (f) | 354308 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Income Before Income Taxes** | 61309 | 13404 | 10052 |  | 84765 |
|  Provision for income taxes | 12886 | 2815 | 2111 | (g) | 17812 |
|  Preferred stock dividends | 5063 |  |  |  | 5063 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Net Income Available to Common Shareholders** | $43360 | $10589 | $7941 |  | $61890 |
|  Earnings Per Share |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Basic | $0.50 | $0.30 |  |  | $0.72 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Diluted | $0.50 | $0.29 |  |  | $0.72 |
|  Average Shares Outstanding |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Basic | 86339970 | 35892588 | (35892588) | (h) | 86339970 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Diluted | 86466701 | 36025353 | (36025353) | (h) | 86466701 |

---

(1) Reflects the period of January 1, 2025 through February 28, 2025.

(2) See Note B to the notes to the unaudited pro forma condensed combined financial information, Purchase
Accounting Adjustments, for additional information and cross-references to the pro forma adjustments.

See notes to the unaudited pro forma condensed combined financial information.

------

**Notes to the Unaudited Pro Forma Condensed Combined Financial Information** 

**Note A — Basis of Pro Forma Presentation** 

On July 25, 2024, Wesbanco entered into an agreement and plan of merger (the "Merger Agreement") with Premier Financial. Under the terms of the Merger Agreement, each share of Premier Financial common stock that was outstanding immediately prior to the effectiveness of the Merger converted into the right to receive 0.80 shares of Wesbanco's common stock upon effectiveness of the Merger. The receipt by Premier Financial shareholders of shares of Wesbanco common stock in exchange for their shares of Premier Financial common stock is anticipated to qualify as a tax-free exchange. The transaction, which was consummated on February 28, 2025, is valued at approximately $1.0 billion. This value is based on Wesbanco's closing stock price on February 28, 2025 of $35.07.

The unaudited pro forma condensed combined statement of income, including per share data, are presented after giving effect to the Merger. The pro forma financial information assumes that the Merger was consummated on January 1, 2025 and gives effect to the Merger, for purposes of the unaudited pro forma condensed combined statements of income, as if it had been effective during the entire period presented.

The Merger was accounted for using the acquisition method of accounting; accordingly, the difference between the purchase price over the estimated fair value of the assets acquired (including identifiable intangible assets) and liabilities assumed was recorded as goodwill.

The pro forma financial information includes estimated adjustments to record the assets and liabilities of Premier Financial at their respective fair values and represents management's estimates based on available information. The pro forma adjustments included herein may be revised as additional information becomes available and as additional analysis is performed. The final allocation of the purchase price will be determined after completion of a final analysis to determine the fair values of Premier Financials' tangible, and identifiable intangible assets and liabilities as of the closing date.

**Note B — Purchase Accounting Adjustments** 

Estimated fair value adjustments included in the pro forma statement of income are based upon available information, and certain assumptions considered reasonable, and may be revised as additional information becomes available. For purposes of this pro forma analysis, fair value adjustments, other than goodwill, are amortized/accreted on either a straight-line basis or under the sum-of-the-years' digits method over their estimated average remaining lives. Estimated accretion and amortization on borrowings are based on estimated maturity by type of borrowing. When the actual amortization/accretion is recorded for periods following the closing of the Merger, the effective yield method will be used where appropriate. Tax expense related to the net fair value adjustments is calculated at the statutory 21% tax rate for federal income tax purposes.

Included in the pro forma adjustments are estimated amortization of core deposit and trust customer list intangibles. The core deposit intangibles are separate from goodwill and amortized under the sum-of-the-years' digits method over an estimated average remaining life of ten (10) years. The trust customer list intangibles are amortized over an estimated average remaining life of fifteen (15) years. When the actual amount of intangibles is finalized as of the date of acquisition, which may be more or less than the estimated amount, the sum-of-the-years' digits method will be used to record amortization over the intangibles' actual lives.

The following provides additional details about the methods and assumptions used to determine the pro forma adjustments in the unaudited proforma condensed combined statements of income. All adjustments are based on current assumptions and/or valuations, which are subject to change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Adjustment to record two months of loan discount accretion of the estimated fair value mark, based on the
expected average life of the portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Adjustment to record two months of investment securities discount accretion of the estimated fair value mark,
based on the expected average life of the portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjustment to record two months of discount accretion of the estimated fair value mark over the remaining
contractual maturity of the underlying instruments stated term.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Adjustment to record two months of discount accretion of the estimated fair value mark over the remaining
contractual maturity of the underlying instruments stated term.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Reduction in income due to the impact of lower interchange income on Premier Financial.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) Adjustment for two months of amortization of the estimated core deposit intangible (CDI) and trust
customer list over their average lives and remove Premier Financials' existing amortization of CDI.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Adjustment to recognize the tax impact of pro forma transaction and financing related adjustments at 21%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Adjustment to eliminate Premier Financial's common shares already reflected in Wesbanco's share
balance.

## Exhibit 99.2

**Exhibit 99.2**![LOGO](g877486dsp009.jpg)

WesBanco Investor Presentation September 2025

------

![LOGO](g877486dsp010.jpg)

Forward-looking statements and non-GAAP financial measures Forward the safe-harbor lookingprovisions statements ofin the this Private reportSecurities relating toLitigation WesBanco's Reform plans, Actstrategies, of 1995. The objectives, information expectations, contained intentions in this report and should adequacy be read of resources, in conjunction are made with WesBanco's pursuant to Form WesBanco's 10-K for Form the 10 year -Q ended for theDecember quarter ending 31, 2024 June and 30, 2025, documents whichsubsequently are available filed at the bySEC's WesBanco website, with www the.sec Securities .gov or and at WesBanco's Exchange Commission website, www ("SEC"), .WesBanco including .com. Investors Annual Report are cautioned on Form 10 that -Kforward filed with -looking the SEC statements, under "Risk which Factors" are not in historical Part I, Item fact, 1Ainvolve . Such statements risks and uncertainties, are subject to including important those factors detailed that could in WesBanco's cause actual most results recent to successfully differ materially or such fromintegration those contemplated may take longer by such to accomplish statements, than including, expected; without the expected limitation, cost that savings the businesses and any revenue of WesBanco synergies and from Premier the merger may of notWesBanco be integrated and Premier with clients, mayassociates, not be fullyor realized suppliers; within thethe effects expected of changing timeframes; regional disruption and national from the economic merger of conditions, WesBanco changes and Premier in interest mayrates, makespreads it more difficult on earning to maintain assets and relationships interest-bearing the credit liabilities, risk of commercial, and associated real estate, interestand rateconsumer sensitivity; loan sources customers of liquidity and their available borrowing to WesBanco activities; and actions its related of thesubsidiary Federal Reserve operations; Board, potential the Federal futureDeposit credit losses Insurance and Investors Corporation, Protection the Consumer Corporation, Financial andProtection other regulatory Bureau,bodies; the SEC, potential the Financial legislative Institution and federal Regulatory and state Authority, regulatory the Municipal actions and Securities reform, Rulemaking including, without Board, the limitation, Securities the competitive impact of the conditions implementation in the financial of the Dodd services -Frank industry; Act; adverse rapidly changing decisions technology of federal and affecting statefinancial courts; fraud, services; scams marketability and schemes of debt of instruments third parties;and cyber corresponding -security breaches; impact duty on fair to value update adjustments; forward-looking and/or statements other external . developments materially impacting WesBanco's operational and financial performance. WesBanco does not assume any estimates While forward of future -looking results statements . Accordingly, reflectactual our good results -faith may beliefs, differ they materially are not from guarantees those expressed of future in performance or contemplated . All by forward the particular -looking statements forward-looking are necessarily statement, and, only we therefore, undertake you no areobligation cautionedto not update to place any undue forward reliance -looking onstatement such statements to reflect . Further, eventsany or circumstances forward-looking after statement the date speaks on which only the as of statement the date is onmade whichor it is tomade, reflectand the occurrence of unanticipated events or circumstances, except as required by applicable law. Statements the statements in this with presentation respect to accretion, with respect earn to back the benefits of tangible of the book merger value, between tangible WesBanco book value and dilution Premier, andthe internal parties' rate plans, of return, obligations, constitute expectations, forward-looking and intentions, statements and as contained defined byorfederal impliedsecurities by such statements laws. Such for statements a variety of are factors subject including: to numerous the businesses assumptions, of WesBanco risks, and anduncertainties Premier may . Actual not be integrated results could successfully differ materially or suchfrom integration those frames; may take disruption longer tofrom accomplish the merger than may expected; make itthe more expected difficult to cost maintain savings relationships and any revenue with clients, synergies associates, from the ormerger suppliers; may changes not be fully in economic realizedconditions; within the expected movements time in actions interest and rates; reforms; competitive extended pressures disruption on of product vital infrastructure; pricing and services; and othersuccess factors described and timing inof WesBanco's other business 2024strategies; Annual Report the nature, on Formextent, 10-K and anddocuments timing of governmental subsequently filed by WesBanco with the Securities and Exchange Commission. In presentation addition to contains the results or references, of operations certain presented non-GAAP in accordance financial measures, with Generally such as Accepted tangible common Accounting equity/tangible Principles assets; (GAAP), non WesBanco's -interest expense management to total assets; uses, and income this before excluding provision after-tax forday income one provision taxes excluding for credit restructuring losses on acquired and merger loans; related efficiency expense; ratio; net return income on average excluding assets; after-tax and restructuring return on average and merger tangible -related equity expenses . WesBanco and facilitate believes comparisons these financial with measures the performance provide information of others inuseful the financial to investors services in understanding industry. Although our WesBanco operational believes performance that these and business non-GAAP and financial performance measures trends enhance which investors' financial measures understanding contained of WesBanco's therein should business be read andinperformance, conjunction with these the non audited -GAAP financial financial statements measures and should analysis not beas considered presentedan in alternative the Annualto Report GAAPon . The Form non 10 -GAAP -K as that well the as the company unaudited has made financial with statements the SEC. and analyses as presented in the Quarterly Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings©2025 WesBanco, Inc. \| All rights reserved 2

------

![LOGO](g877486dsp011.jpg)

Differentiated Regional Financial Services Institution Franchise overview Balance Sheet $28B $21B $19B Assets Deposits Loans Q2 2025 Profitability 1.28% 18.4% 3.59% ROAA excl. ROATCE excl. (1) (1) NIM items items Capital 7.6% 9.9% 13.4% TCE / TA CET1 TRBC Asset Quality 0.45% 0.09% 1.19% NPAs / Loans + NCOs / Avg OREO LLR / Loans Loans Strong Market Presence in Major Markets Detroit Branches LPOs #10 Indiana #8 Harrisburg #13 #3 #12 Richmond Kentucky Norfolk Durham Knoxville Charlotte Broad and Diversified Market Distribution Note: All data as of 6/30/2025 except for market share and deposit rankings; market share based on 2024 deposit rankings and OH is WSBC+Premier Financial ("PFC") (except Pittsburgh which is MSA) (exclusions: Pittsburgh MSA – BNY Mellon, Raymond James; MD – Forbright, Capital Funding; OH – National Consumer Cooperative Bank) (Source: S&P Capital IQ). (1) Certain items excluded from the calculation consist of after-tax restructuring and merger-related expenses and the after-tax day one provision for credit losses on acquired loans. See non-GAAP financial measures for additional information relating to the calculation. 2025 WesBanco, Inc. \| All rights reserved 3

------

![LOGO](g877486dsp012.jpg)

Deep Talent Experienced management team Jeffrey H. Jackson – President & CEO Mr. Jackson served as SEVP and COO of the Company and President and COO of the Bank from August 15, 2022 until August 1, 2023. He held multiple executive roles at First Horizon Bank. Mr. Jackson is a graduate from Auburn University. Daniel K. Weiss – SEVP & CFO Mr. Weiss has served as SEVP and CFO of the Company since January 2022 and has been with the Company since 2008. Prior to joining the Company, Mr. Weiss worked at Deloitte in audit practice and is a licensed CPA. Robert H. Friend – EVP & Chief Credit Officer Mr. Friend has served as EVP and Chief Credit Officer of the Company since June 2022. Prior to that, he served as EVP – Regional Credit Officer of the Company. Mr. Friend has over 31 years of banking experience in lending, credit and management roles, beginning with PNC Bank in Pittsburgh, Pennsylvania. Michael L. Perkins – SEVP & Chief Risk Officer Mr. Perkins is the SEVP and Chief Risk Officer of the Company and has served in enterprise risk management since 2001. Previously, he was SVP and Chief Auditor of the Company. A licensed CPA, Mr. Perkins has 35 years' experience in banking, working as a public accountant prior to joining the Company in 1995. Jayson M. Zatta – SEVP & Chief Banking Officer Mr. Zatta has served as SEVP and Chief Banking Officer of the Company since February 2020. Prior to that, he served as EVP – Chief Banking Officer of the Company from April of 2017 and EVP of Commercial Banking of the Company. He has over 37 years' experience in various lending and leadership capacities. Jay Luzar – EVP – Treasury & Profitability Mr. Luzar has served as EVP – Treasury & Profitability of the Company since April 2025. Prior to joining the Company, he served as the Principal Owner of BSRI. Mr. Luzar has over 27 years of experience in management and banking, primarily with PNC and KeyBank. 2025 WesBanco, Inc. \| All rights reserved 4

------

![LOGO](g877486dsp013.jpg)

Franchise se -Enhancing -E hancing Expansion Expa sion Loan production office strategy and targeted acquisitions Contiguous Markets Expansion Targeted acquisitions in existing markets and higher-growth metro areas, as well as a complementary LPO strategy Long-term focus on appropriate capital management to enhance shareholder value Strong capital and liquidity, along with strong regulatory compliance processes, provides ability to execute transactions quickly Diligent efforts to maintain a community bank-oriented, value-based approach to our markets History of successful acquisitions that have improved earnings Franchise-Enhancing Expansion Loan Production Offices Mergers Announced Closed Knoxville (2Q2025) PFC Jul-2024 Feb-2025 Chattanooga (3Q2023) OLBK Jul-2019 Nov-2019 FFKT Apr-2018 Aug-2018 FTSB Nov-2017 Apr-2018 Indianapolis (2Q2022) YCB May-2016 Sep-2016 Nashville (1Q2022) ESB Oct-2014 Feb-2015 FSBI Jul-2012 Nov-2012 Northern VA (3Q2021) AmTrust Jan-2009 Mar-2009 (enhanced 2Q2025) OAKF Jul-2007 Nov-2007 Note: AmTrust was an acquisition of five branches.©2025 WesBanco, Inc. \| All rights reserved 5

------

![LOGO](g877486dsp014.jpg)

Historical Balance Sheet Growth Disciplined organic growth story augmented by M&A Total Assets ($B) Total Loans ($B) $27.4 $27.6 $18.7 $16.9 $16.9 $17.7 CAGR 15% 2021 2022 2023 2024 Q1 2025 Q2 2025 $18.7 $18.8 CAGR $12.7 $11.6 21% $10.7 $9.7 2021 2022 2023 2024 Q1 2025 Q2 2025 Total Deposits ($B) $21.3 $21.2 $13.6 $14.1 $13.1 $13.2 CAGR 14% 2021 2022 2023 2024 Q1 2025 Q2 2025 Tangible Common Equity ($B)(1) $2.0 $1.9 $1.5 $1.4 $1.3 $1.2 CAGR 10% 2021 2022 2023 2024 Q1 2025 Q2 2025 Note: Data shown at period-end for each date presented. (1) Non-GAAP measure – please see reconciliation in appendix. 2025 WesBanco, Inc. \| All rights reserved 6

------

![LOGO](g877486dsp015.jpg)

n Stronghold in Attractive Markets Continued market share in strong markets Top 10 Markets in 2020 Top 10 Markets Today Deposits in Deposits in Number of Market Market Market Number of Market Market Market Market (MSA) Branches ($000) Rank Share Market (MSA) Branches ($000) Rank Share Wheeling, WV-OH 13 $2,646 1 46.0% Washington-Arlington-Alexandria, DC-VA-MD-WV 18 $1,562 19 0.5% Wheeling, WV-OH 14 1,550 1 36.8 Youngstown-Warren, OH 13 1,771 3 16.6 Pittsburgh, PA 35 1,513 11 1 Pittsburgh, PA 28 1,668 11 1 Washington-Arlington-Alexandria, DC-VA-MD-WV 14 1,427 21 0.5 Louisville/Jefferson County, KY-IN 21 849 9 2.4 Louisville/Jefferson County, KY-IN 14 1,033 9 2.4 Baltimore-Columbia-Towson, MD 16 720 14 0.8 Toledo, OH 7 682 9 4.4 Columbus, OH 12 601 13 0.7 Huntington-Ashland, WV-KY-OH 7 480 5 6.9 Columbus, OH 13 603 16 0.6 Frankfort, KY 7 475 1 37.0 Weirton-Steubenville, WV-OH 4 523 1 22.0 Weirton-Steubenville, WV-OH 5 435 1 21.0 Baltimore-Columbia-Towson, MD 10 518 18 0.5 Cincinnati, OH-KY-IN 17 421 18 0.3 Fort Wayne, IN 3 512 8 5.0 Total (Top 10) 152 $8,606 Total (Top 10) 119 $11,384 Growth Trends Population Household Income $76,601 $71,076 $61,812 1.03% 0.75% 2015 – 2020 2025 – 2030 2020 Today Projected 2030 Note: Data for "Today" as of 6/30/2024; growth trends are deposit weighted by state deposit market share; historical growth trends 2025 WesBanco, Inc. \| All rights reserved 7 shown for all markets the Company operated within in 2020; "Today" and projected growth trends shown for markets the Company currently operates in (Source: S&P Capital IQ Pro).

------

![LOGO](g877486dsp016.jpg)

Core Deposit Funding and Pricing Advantages Differentiated and competitive deposit profile • Granular core deposit funding base supports diversified commercial and retail strategy and provides a rate-resilient funding base Q2 2025 Deposit Composition demonstrated by low beta in last cycle Competitive funding advantage driven by granular core deposit Money Market Savings franchise 15% 23% organically Total demand by deposits 3% (5-year (~48% CAGR) of total deposits) have grown from Reflects the the PFC impact acquisition, of $1. 3 which billion represented of certificates ~20% of deposit of PFC Certificates $21.2 of Deposit total WesBanco deposits, as compared to ~12% for stand-alone Billion 14% opportunity Average loans for continued to average loan deposits growth ratio of 89.5% provides Interest Bearing Demand Uninsured deposits, as reported for regulatory purposes, totaled 23% Non-Interest $6.7 billion at June 30, 2025, or 32% of total deposits (21% Bearing Demand excluding collateralized deposits) 25% Noninterest-Bearing Deposits ($B) Total Deposits Funding Cost $5.3 $5.3 $4.6 $4.7 2.05% $4.0 $3.8 1.84% 2021 2022 2023 2024 Q1 2025 Q2 2025 2017 2018 2019 2020 2021 2022 2023 2024 2025 WSBC $20-50B Peer Avg Q2 Note: Historical financial data as of 12/31 for each year presented and latest available data for each quarter presented; Organic CAGR excludes 2025 WesBanco, Inc. \| All rights reserved 8 acquisitions during the last 5 years; peer bank group includes all U.S. banks with total assets of $20B to $50B from S&P Capital IQ as of or for the most recent quarter available; cost of total deposits includes non-interest bearing deposits.

------

![LOGO](g877486dsp017.jpg)

Wealth Management Strong capabilities built upon a century of success Trust & Investment Services Securities Brokerage $7.2B of trust and mutual fund $2.6B in account value assets under management 11,700+ accounts\* 7,900+ relationships Private Client Securities investment sales Legacy market private wealth management growth opportunities Investment advisory services $2.8B in private client loans Expansion opportunities in the and deposits Licensed banker and regional Mid-Atlantic market player/coach programs 9,600+ relationships WesMark Funds – six proprietary Expansion opportunities in KY, Private wealth management IN, and Mid-Atlantic markets, as funds across equities, bonds, and growth opportunities across tactical assets well as external business all markets development opportunities Trust & Investment Services AUM Private Client Loans and Deposits Securities Brokerage Account Value (Market Value as of 12/31) ($B) (as of 12/31) ($B) (Market Value as of 12/31) ($B) $7.2 $2.8 CAGR $2.6 $4.3 5.2% CAGR $1.9 CAGR $3.2 $1.5 $1.7 $2.4 $1.1 34% $1.4 19% $2.3 $0.4 $0.8 $0.1 2002 2008 2012 2018 2025 2013 2016 2019 2022 2025 2021 2022 2023 2024 2025 6/30 Loans Deposits 6/30 6/30 Insurance: Personal, commercial, title, health, and life; expand title business in all markets; digital insurance agency for both personal and commercial property & casualty; and third-party administrator services for small business healthcare plans Note: Assets, loans, deposits, and clients as of 6/30/2025; chart financials as of 12/31 for each year presented; current year as of 6/30/2025; Trust & Investment Services trust and mutual fund assets under management ("AUM") are market value and Securities Brokerage is account value (including 2025 WesBanco, Inc. \| All rights reserved 9 annuities and managed accounts) as of 12/31 for each year presented; current year as of 6/30/2025. \* does not include PFC

------

![LOGO](g877486dsp018.jpg)

Delivering Positive Operating Leverage Track-record of expense control with on-going enhancement efforts • Track-record of disciplined growth, balanced by a fundamental focus on expense management and supported by franchise-enhancing acquisitions, in order to deliver positive operating leverage and enhance shareholder value $29.0 $28.0 2.74% $27.0 2.63% 2.60% $26.0 2.53% 2.55% $25.0 2.41% $24.0 $23.0 2.16% 2.24% 2.18% $22.0 2.10% 2.05% 2.10% 2.12% $21.0 2.00% 1.99% $20.0 1.88% 1.90% $19.0 $18.0 $17.0 $16.0 $15.0 $14.0 $13.0 $12.0 $11.0 $10.0 $9.0 $8.0 FTSB $7.0 Merger $6.0 Fidelity ESB YCB (Apr-18) OLBK PFC $5.0 Merger Merger Merger FFKT $4.0 Merger Merger Merger $3.0 (Nov-12) (Feb-15) (Sep-16) (Aug-18) (Nov-19) (Feb-25) $2.0 $1.0 $5.4 $5.4 $5.5 $6.1 $6.1 $6.3 $8.5 $9.8 $9.8 $12.5 $15.7 $16.4 $16.9 $16.9 $17.7 $18.7 $27.6 $0.0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Assets ($B) Total Non-Int Exp / Total Assets(1) Note: Historical financial data as of 12/31 for each year presented; current year data as of 6/30/2025 year-to-date; balance sheet data as of period ends. 2025 WesBanco, Inc. \| All rights reserved 10 (1) Non-GAAP measure – please see reconciliation in appendix; non-interest expense excludes restructuring and merger-related expenses.

------

![LOGO](g877486dsp019.jpg)

Strong Risk Management Capital ratios above both regulatory and well-capitalized levels • Strong legacy of credit and risk management and regulatory compliance Based upon conservative underwriting standards and approval processes supported by centralized back-office and loan funding functions Mature enterprise risk management program headed by Chief Risk Officer addressing key risks in all business lines and functional areas Enhanced compliance and risk management system and testing platform Strong and scalable BSA/AML function Examined by CFPB for consumer compliance supervision • Eight consecutive "outstanding" CRA ratings since 2003 • Strong regulatory capital ratios significantly above regulatory requirements • Active internal regulatory compliance management Positive relationship with regulators Robust internal audit practices • Consistent liquidity and capital stress testing shows readiness for uncertain and adverse economic cycles©2025 WesBanco, Inc. \| All rights reserved 11

------

![LOGO](g877486dsp020.jpg)

Competitive Advantages Investment highlights Leading regional bank with a diversified, relationship-based lending model Experienced executive management team with proven track records High quality franchise with significant presence in attractive urban markets Disciplined organic growth model supported by prudent LPO strategy and targeted M&A opportunities Distinct revenue capabilities, led by 100+ year wealth management business Consistent track record of providing positive operating leverage and profitability Strong legacy of credit, capital, and prudent risk management Stable, low cost funding model supported by granular deposit base Note: LPO = loan production office©2025 WesBanco, Inc. \| All rights reserved 12

------

![LOGO](g877486dsp021.jpg)

Q2 2025 Financial and Operational Highlights Net interest margin of 3.59% and successful PFC systems conversion • Successfully converted the customer data systems Net Income Available to for the bank and trust department of PFC Common Shareholders and Diluted EPS(1) $87.3 million; $0.91/share • Net interest margin of 3.59% reflects the benefit of PFC's interest mark accretion, the first quarter's Net Interest Margin securities restructuring, and lower funding costs +64bp YoY; +24bp QoQ Total loan growth was 3.3% over the sequential Total Loan Growth quarter, annualized, reflecting the strength of WesBanco's new and legacy markets +53.6% YoY; +3.3% QoQ Reflecting PFC, market appreciation, and organic Average Loans to Average Deposits growth, WTIS assets under management increased 89.5% to a record $7.2 billion and broker-dealer securities account values (including annuities) increased to a Non-Performing Assets to Total Assets record $2.6 billion 0.31% Efficiency ratio(1) of 55.5% improved due to the Tangible Common Equity to Tangible Assets(1) benefits of the PFC acquisition and driving positive operating leverage 7.60% Note: Financial and operational highlights during the quarter ended June 30, 2025; PFC = Premier Financial Corp.; 2025 WesBanco, Inc. \| All rights reserved 13 YoY = Year-over-Year; QoQ = Quarter-over-Quarter; bp = basis points. (1) Non-GAAP measure – please see reconciliation in appendix.

------

![LOGO](g877486dsp022.jpg)

Q2 2025 Total Portfolio Loans Total loan growth of 3.3% annualized quarter-over-quarter (Dollars in millions) Reflecting $5.9 billion of loans from PFC and organic growth, total loans increased 53.6% YoY to $18.8 billion Total organic loan growth was +5.5% YoY and Comm'l Avg Comm'l Avg +0.8% (or +3.3% annualized) QoQ, reflecting Payoff Yield New Yield the strength of WesBanco's new and legacy 6.65% 7.18% markets and teams Total organic commercial loan growth was Total Loan Growth = 53.6% +7.3% YoY and +4.1% QoQ annualized Premier Comm'l Comm'l New All Other Net Financial Payoffs Originations Advances / PFC and loan production offices are contributing (Paydowns) meaningfully to the commercial loan pipeline, which totaled approximately $1.3 billion, as of (Dollars in millions) 6/30/2025 CRE loan payoffs totaled approximately $255 million for YTD 2025, as compared to (1) Comm'l Avg Comm'l Avg approximately $95 million last year Payoff Yield New Yield 6.20% 7.03% C&I line utilization was ~38% for Q2 2025, as Total Loan Growth = 0.8% compared to a mid-40% range prior to the (non-annualized) pandemic Comm'l Comm'l New All Other Net Payoffs Originations Advances / (Paydowns) Note: Commercial payoffs and new originations and associated yields (in charts above) are WesBanco-only and do not include PFC. 2025 WesBanco, Inc. \| All rights reserved 14 (1) WesBanco-only and does not include PFC.

------

![LOGO](g877486dsp023.jpg)

Evolution of the Loan Portfolio Loan portfolio composition Loan Portfolio Composition Q2 2025 Commercial Loan Risk Grades Q4 2024 (Before PFC) Q2 2025 (With PFC) No "Classified – Doubtful" loans Yield on Loans: 5.80% Yield on Loans: 6.16% Commercial and Industrial Commercial and Industrial Pass 14% 95% Residential R.E. 15% Residential R.E. 20% 21% Criticized Home 4% $12.7 Home $18.8 Equity Classified Equity 6% Billion 6% Billion 1% Personal Consumer 2% 2% Commercial Commercial Commercial Commercial Real Estate Real Estate LCD LCD 47% 47% 9% 11% Historical Yield on Loans Average Loans to Average Deposits 6.16% 89.4% 90.6% 89.2% 89.3% 89.5% 88.7% 86.8% 87.1% 85.4% 5.85% 5.93% 5.80% 6.02% 5.71% 5.61% 5.46% 5.31% Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 2025 WesBanco, Inc. \| All rights reserved 15 Note: Financial data as of quarter end (Source: S&P Capital IQ Pro).

------

![LOGO](g877486dsp024.jpg)

Commercial Portfolio Geography & industry breakdown Commercial Real Estate Portfolio (1) Commercial & Industrial Portfolio Geography Breakdown Morgantown Ft. Wayne Louisville Akron 4.9% 4.8% Lexington 6.6% 5.7% Pittsburgh 4.6% Cleveland 5.2% Findlay Cincinnati 5.7% 4.3% 6.8% Morgantown Cleveland Akron 4.4% 6.1% 4.0% Toledo Pittsburgh 4.4% Toledo 6.9% 3.8% Cincinnati Chattanooga 7.5% Charleston 2.9% 2.5% Youngstown Wheeling Findlay 2.9% 2.5% 7.0% Charleston Youngstown Lexington 2.4% Louisville 2.1% 1.9% 8.5% Indianapolis 1.6% Ann Arbor Mid-Atlantic 0.4% Chattanooga Defiance 9.0% Ann Arbor 1.5% 0.4% Indianapolis Nashville 1.5% 0.1% Columbus Columbus Defiance 0.9% Wheeling 13.7% 16.0% 9.0% Mid-Atlantic 0.1% Ft. Wayne 17.7% 10.0% Industry Breakdown Hotels Comm. / Manufacturing RE Other 7.6% 5.7% Office 10.1% 5.1% Energy Manufacturing Retail 2.8% 15.3% Healthcare 4.7% 9.4% Finance Manufacturing 3.3% 3.9% Construction Education 3.9% 3.5% Services Services 10.7% Shopping Center Transportation 3.6% 9.6% 3.6% Residential Bldgs 2.8% Restaurants 1-4 Family 3.7% 2.0% 1-4 Family Transportation 4.3% Construction 1.7% 10.5% Restaurants Equipment 1.5% Leasing Multi-family Distribution 5.5% 19.8% 1.2% Government Distribution 6.1% 7.4% Other Healthcare Retail 17.4% 6.4% 6.9% Note: Geography and Industry loan data as of 6/30/2025. 2025 WesBanco, Inc. \| All rights reserved 16 (1) Commercial real estate portfolio include land / construction and improved property loans.

------

![LOGO](g877486dsp025.jpg)

Non-Owner Occupied Commercial Real Estate Portfolio Maturity schedule (Dollars in millions) $5,072 $1,239 $1,030 $832 2025 2026 2027 2028 & Later 2025 WesBanco, Inc. \| All rights reserved 17 Note: Data as of 6/30/2025.

------

![LOGO](g877486dsp026.jpg)

Strong Legacy of Credit Quality Favorable asset quality measures compared to peer bank group Criticized & Classified Loans as % of Total Loans Non-Performing Assets as % of Total Assets 0.41% 3.55% 3.63% 0.38% 3.07% 0.35% 0.32% 2.35% 2.73% 0.28% 3.75% 2.34% 2.22% 2.80% 3.63% 0.23% 0.25% 0.16% 0.22% 0.31% 2021 2022 2023 $20-50B Banks2024 Q2 2025 2021 2022 2023 2024 Q2 2025 WSBC $20-50B Banks Net Charge-Offs as % of Average Loans (YTD Annualized) Allowance for Credit Losses as % of Total Loans 0.27% 0.26% 1.35% 1.35% 1.23% 1.24% 0.19% 1.13% 0.13% 0.10% 0.04% 0.11% 0.09% 1.25% 1.10% 1.12% 1.10% 1.19% 0.02% 0.02% 2021 YTD 2022 YTD 2023 YTD 2024 YTD Q2'25 YTD 2021 2022 2023 2024 Q2 2025 YTD) WSBC $20-50B Banks WSBC $20-50B Banks Note: Financial data as of period ending for dates specified; data as of 12/31 where no quarter or "YTD" mentioned; peer bank group includes all U.S. banks with total assets of $20B to $50B from S&P Capital IQ (as of 8/19/2025) and represent simple averages except criticized & classified loans as % of total 2025 WesBanco, Inc. \| All rights reserved 18 loans which is a weighted average; 2020 and 2021 comparability impacted by timing of the adoption of Current Expected Credit Losses ("CECL"). accounting standard and economic assumptions used by each bank (WSBC adopted January 1, 2020).

------

![LOGO](g877486dsp027.jpg)

Securities Highly liquid securities portfolio Q4 2024 (Before PFC) Q2 2025 (With PFC) 2025 Q2 Portfolio Composition HTM—Obligations of state HTM—Obligations of state 32% 25% AFS—Asset Other (1) AFS and Equity Securities Other(1) backed 3% 2% AFS—1% (2) AFS—U.S. Treasury Obligations AFS—U.S. Weighted Average Yield 3.34% 4% of state Treasury AFS—2% 4% AFS—As a % of Total Securities 74.1% Obligations of AFS—U.S. Gov AFS—U.S. Gov Commercial state Sponsored Sponsored 3% 2% 6% 5% $3.4 $4.4 Weighted Average Duration (years) 4.5 AFS—Commercial Billion Billion 7% HTM Securities Weighted Average Yield (2) 2.97% AFS—Resi AFS—Resi As a % of Total Securities 25.9% 47% 56% Weighted Average Duration (years) 3.9 Yield: 2.67% Yield: 3.25% Total Securities AFS and HTM Securities ($000) Weighted Average Yield (2) 3.25% HTM Securities AFS Securties $4,361 $4,292 As a % of Total Securities 100.0% $3,282 $3,391 $3,399 $1,143 $1,138 Weighted Average Duration (years) 4.3 $1,180 $1,162 $1,153 $2,246 $3,149 $3,223 $2,102 $2,229 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Source: S&P Capital IQ as of 6/30/2025. (1) "Other" includes AFS and HTM Corporate Debt Securities, HTM U.S. Government Sponsored Entities and Agencies and Residential MBS and 2025 WesBanco, Inc. \| All rights reserved 19 Collateralized Mortgage Obligations of Government Sponsored Entities and Agencies, and Equity Securities held at fair value (2) Weighted average yields have been calculated on a taxable-equivalent basis using the federal statutory tax rate of 21%.

------

![LOGO](g877486dsp028.jpg)

Q2 2025 Total Deposits Year-over-year organic deposit growth fully funded loan growth • Reflecting $6.9 billion of deposits from PFC and (Dollars in millions) organic growth, total deposits increased 57.5% YoY to $21.2 billion memo: PFC Year-over-year organic deposit growth of $850 memo: $1,345 million, or 6.3%, which fully funded organic loan PFC memo: $2,973 growth PFC $2,555 On a sequential quarter basis, total deposits declined $138 million due to normal seasonality and the intentional runoff of higher cost Total Savings Total Savings certificates of deposit and less reliance on Demand & Money CDs Demand & Money CDs Deposits Markets Deposits Markets public funds from PFC Distribution: consumer ~52% and business (Dollars in millions) 6/30/2025 ~32% (note: public funds, which are separately Total Deposits $21,155 collateralized, ~16%) Total Deposit Accounts (000s) 744 Average Deposit Size ($000s) $28 Business deposits as a percent of total deposits increased 160 basis points QoQ Uninsured Deposits $6,712 less: Collateralized Municipal Deposits (2,359) Adjusted Uninsured Deposits $4,353 Average loans to average deposits were Uninsured Deposits as % of Total Deposits 89.5%, providing continued capacity to fund Before Exclusions 31.7% loan growth After Exclusions 20.6% Note: "Uninsured deposits" are approximated; "collateralized municipal deposits" are collateralized by securities. 2025 WesBanco, Inc. \| All rights reserved 20

------

![LOGO](g877486dsp029.jpg)

Q2 2025 Net Interest Margin (NIM) NIM benefiting from loan growth and management of funding costs Net Interest Margin QoQ Change (weighted) • Q2 2025 NIM of 3.59% improved 24 basis points QoQ and 64 basis points YoY, through a combination of higher loan and securities yields, lower funding costs, and purchase accounting accretion Purchase accounting accretion benefited the Q2 2025 net interest margin by approximately 37 basis points Deposit funding costs, including non-interest bearing deposits, were 184 basis points, decreased 11 basis points YoY and 4 basis P.A. Cash & Int.-Bearing FHLB points QoQ Loans Other Accretion Securities Deposits Borrowings Approximately 60% of the $2.9 billion CD portfolio at 6/30/2025, with an average rate of 3.9%, mature or reprice during the next 2Q 2025 Commercial Loan Repricing Frequency six months FHLB borrowing costs of 4.22% decreased 30 48 to 60 basis points QoQ and 128 basis points YoY, as Months these short-term borrowings repriced downward < 3 26% Months upon maturity 47% Of the $1.8 billion of borrowings at 6/30/2025, approximately 94% have 2025 Other 2% maturities, with an average rate of 4.53% Fixed 25% 2025 WesBanco, Inc. \| All rights reserved 21

------

![LOGO](g877486dsp030.jpg)

Q2 2025 Non-Interest Income Fee income increased $12.6 million, or 40%, year-over-year • Non-interest income increased year-over-year Quarter Ending % H / (L) % H / (L) due primarily to the acquisition of PFC which drove higher service charges on deposits, trust ($000s) 6/30/2025 6/30/2024 3/31/2025 fees, mortgage banking income, digital banking income, and bank-owned life insurance Trust Fees $9,657 32.2% 11.0% Service Charges on Deposits 10,484 47.4% 22.1% Service charges on deposits reflect the addition of PFC, fee income from new products and services and treasury management, and Digital Banking Income 7,325 45.3% 35.5% increased general consumer spending Net Swap Fee & Valuation (Loss)/Income 746 (58.0%) (22.4%) • Reflecting record asset levels, trust fees and Net Securities Brokerage Revenue 3,348 28.7% 24.0% securities brokerage revenue increased due to the addition of PFC wealth clients, market value Bank-Owned Life Insurance 3,450 23.6% 0.6% appreciation, and organic growth Mortgage Banking Income 2,364 121.1% 107.4% Digital banking fees reflect higher volumes Net Securities Gains/(Losses) 1,410 nm nm primarily associated with our larger customer base Net Gains/(Losses) on OREO & Other Assets 111 nm nm 44.8% 23.3% • Gross swap fees were $1.4 million, compared to Other Income 5,062 $1.8 million in the prior year Total Non-Interest Income $43,957 40.2% 26.8% Fair market valuation loss of $0.7 million, as compared to a negligible gain last year Note: OREO = other real estate owned; securities account values include annuities. 2025 WesBanco, Inc. \| All rights reserved 22

------

![LOGO](g877486dsp031.jpg)

Strong Risk Management and Capital Position Capital ratios above both regulatory and well-capitalized levels TCE / TA(1) Tier 1 Leverage Capital Ratio Well-Capitalized 5.0% 9.43% 7.58% 7.35% 7.52% 7.60% 10.4% 9.5% 9.8% 9.7% 8.7% Q2 2021 Q2 2022 Q2 2023 Q2 2024 Q2 2025 Q2 2021 Q2 2022 Q2 2023 Q2 2024 Q2 2025 Tier 1 Risk-Based Capital Ratio Total Risk-Based Capital Ratio Well- Well-Capitalized Capitalized 8.0% 10.0% 15.1% 12.5% 12.1% 11.6% 10.6% 17.7% 15.4% 14.8% 14.5% 13.4% Q2 2021 Q2 2022 Q2 2023 Q2 2024 Q2 2025 Q2 2021 Q2 2022 Q2 2023 Q2 2024 Q2 2025 Note: Capital ratios enhanced by August 2020 preferred stock issuance of $150MM and August 2024 common equity raise of $200MM (in conjunction with the acquisition of Premier Financial Corp.); effective 4Q2019, Tier 1 Capital Ratios negatively impacted by the movement of ~$130MM of TruPS from Tier 2025 WesBanco, Inc. \| All rights reserved 23 1 to Tier 2 risk-based capital, as required by the Dodd-Frank Act for financial institutions with total assets >$15B. (1) Non-GAAP measure – please see reconciliation in appendix.

------

![LOGO](g877486dsp032.jpg)

Disciplined Execution upon Growth Strategies Comparable operating measures to peer bank group Return on Average Tangible Common Equity(1) Return on Average Assets(1) 16.7% 15.8% 15.9% 15.5% 16.0% 1.40% 1.22% 13.2% 12.0% 1.30% 1.09% 1.14% 12.4% 0.99% 11.0% 11.0% 0.90% 1.03% 0.81% 0.88% 5.8% 16.4% 15.4% 13.0% 10.7% 1.37% 1.08% 0.86% 0.78% 0.36% 2021 2022 2023 2024 Q2'25 YTD 2021 2022 2023 2024 Q2'25 YTD WSBC (x-merger, restructuring, day 1 provision) WSBC WSBC (x-merger, restructuring, day 1 provision) $ WSBC 20-50B Banks $20-50B Banks Non-Interest Expense (excl. items) to Total Assets(1) Net Interest Margin 2.35% 2.18% 3.49% 1.93% 2.07% 2.08% 3.32% 3.35% 3.32% 3.06% 2.05% 2.10% 2.18% 2.12% 1.90% 3.11% 3.20% 3.14% 2.96% 3.48% 2021 2022 WSBC 2023$20-50B Banks 2024 Q2'25 YTD 2021 2022 2023 2024 Q2'25 YTD WSBC $20-50B Banks Note: Financial data is year-to-date for dates specified; peer bank group includes all U.S. banks with total assets of $20B to $50B from S&P Capital IQ (as of 8/19/2025 and represent simple averages; NIM (fully taxable-equivalent (FTE) and annualized basis) and non-interest expense (excludes restructuring & merger-related expenses) are company reported; other figures are S&P calculations); 2020 and 2021 comparability impacted by timing of the adoption of Current Expected Credit Losses ("CECL") accounting standard and economic assumptions used by each bank (WSBC adopted January 1, 2020). 2025 WesBanco, Inc. \| All rights reserved 24 (1) Non-GAAP measure – please see reconciliation in appendix.

------

![LOGO](g877486dsp033.jpg)

Appendix©2025 WesBanco, Inc. \| All rights reserved

------

![LOGO](g877486dsp034.jpg)

Historical Coverage and Holding Company Debt Downstream Analysis Double leverage and interest coverage Fiscal Year Ended, Quarter Ended, ($ in millions) 2021 2022 2023 2024 Q2 2025 Double Leverage Bank-Level Equity $2,636 $2,408 $2,541 $2,729 $4,010 Consolidated Equity 2,693 2,427 2,533 2,790 3,819 Double Leverage Ratio 98% 99% 100% 98% 105% Interest Coverage Earnings: Income From Continuing Operations Before Taxes $301.8 $236.4 $194.0 $185.1 $71.0 (+) Restructuring & Merger-Related Expenses 6.7 1.7 3.8 6.4 41.1 Pre-Tax Income (Excl. Restructuring & Merger-Related Expenses) (1) $308.6 $238.1 $197.9 $191.5 $112.0 (+) Total Debt Interest 12.9 15.4 78.4 82.5 22.8 (+) Preferred Dividend(2) 13.5 13.5 13.5 13.5 3.4 Adjusted Earnings (Before Corporate Debt Interest + Dividends) $335.0 $267.0 $289.7 $287.5 $138.2 A (+) Total Deposit Interest $14.1 $23.9 $151.8 $264.9 $96.8 Adjusted Earnings (Before Corporate Debt Interest + Dividends + Deposit Interest) $349.1 $291.0 $441.6 $552.4 $235.0 B Interest: Total Debt Interest $12.9 $15.4 $78.4 $82.5 $22.8 Preferred Dividend 13.5 13.5 13.5 13.5 3.4 Interest Expense Excluding Deposit Interest $26.4 $28.9 $91.9 $96.0 $26.2 C Total Deposit Interest 14.1 23.9 151.8 264.9 96.8 Interest Expense Including Deposit Interest $40.5 $52.8 $243.7 $360.9 $123.0 D Adjusted Interest Coverage (Ex. Deposit Interest Expense)—A / C 12.7x 9.2x 3.2x 3.0x 5.3x Adjusted Interest Coverage (Inc. Deposit Interest Expense)—B / D 8.6x 5.5x 1.8x 1.5x 1.9x (1) Non-GAAP measure; See appendix for additional detail. 2025 WesBanco, Inc. \| All rights reserved 26 (2) Preferred dividend is grossed up to a pre-tax equivalent based on an illustrative 25% effective tax rate.

------

![LOGO](g877486dsp035.jpg)

Positioning the Company For A More Neutral Balance Sheet NII and EVE shock analysis NII Shock Analysis ALCO (20.0%) (15.0%) (10.0%) (7.5%) (7.5%) (10.0%) Guidelines 4.8% 2.3% 1.0% 2.2% NA (2.2%)(1.4%) (3.6%) (6.0%) (5.1%) (8.4%) Immediate (12.7%) Change In Interest - 400—300—200—100 + 100 + 200 Rates (bps) 12/31/2024 6/30/2025 EVE Shock Analysis ALCO (40.0%) (30.0%) (20.0%) (10.0%) (10.0%) (20.0%) Guidelines 0.5% 1.7% NA (0.5%)(0.2%) (2.9%)(3.4%) (2.7%) (2.7%) (8.2%)(9.7%) (16.2%) Immediate Change In Interest - 400—300—200—100 + 100 + 200 Rates (bps) 12/31/2024 6/30/2025 2025 WesBanco, Inc. \| All rights reserved 27 Note: NII = net interest income; EVE = economic value of equity

------

![LOGO](g877486dsp036.jpg)

Q2 2025 Current Expected Credit Loss (CECL) Allowance coverage ratio of 1.19% The allowance for credit losses on loans was $223.9 million at 6/30/2025, which provided a coverage ratio of 1.19% Excluded from the allowance for credit losses and related coverage ratio are fair market value adjustments on previously acquired loans representing 1.74% of total loans (Dollars in millions) Loan portfolio Qualitative CECL Other qualitative growth adjustments allowance for and and reserves losses on miscellaneous Changes to for specific acquired loans adjustments macroeconomic loans variables and quantitative and qualitative economic factors Portfolio Change / Qualitative PCD Loans Factors / Specific Other Economic Factors (from PFC) Reserves Note: ACL at 6/30/2025 excludes off-balance sheet credit exposures of $6.2 million. 2025 WesBanco, Inc. \| All rights reserved 28

------

![LOGO](g877486dsp037.jpg)

Reconciliation Tangible common equity to tangible assets Period Ending ($000s) 6/30/2021 12/31/2021 6/30/2022 12/31/2022 6/30/2023 12/31/2023 6/30/2024 12/31/2024 3/31/2025 6/30/2025 Total Shareholders' Equity $2,780,836 $2,693,166 $2,467,951 $2,426,662 $2,464,998 $2,533,062 $2,544,279 $2,790,281 $3,781,579 $3,819,220 Goodwill and Other Intangible (1,144,604) (1,140,111) (1,136,020) (1,131,990) (1,128,371) (1,124,811) (1,121,521) (1,118,293) (1,718,048) (1,709,001) Assets (net of deferred tax liability) Preferred Shareholders' Equity (144,484) (144,484) (144,484) (144,484) (144,484) (144,484) (144,484) (144,484) (144,484) (144,484) Tangible Common Equity $1,491,748 $1,408,571 $1,187,447 $1,150,188 $1,192,143 $1,263,767 $1,278,274 $1,527,504 $1,919,047 $1,965,735 Total Assets $16,966,867 $16,927,125 $16,799,624 $16,931,905 $17,356,954 $17,712,374 $18,128,375 $18,684,298 $27,412,383 $27,571,576 Goodwill and Other Intangible (1,144,604) (1,140,111) (1,136,020) (1,131,990) (1,128,371) (1,124,811) (1,121,521) (1,118,293) (1,718,048) (1,709,001) Assets (net of deferred tax liability) Tangible Assets $15,822,263 $15,787,014 $15,663,604 $15,799,915 $16,228,583 $16,587,563 $17,006,854 $17,566,005 $25,694,335 $25,862,575 Tangible Common Equity to 9.43% 8.92% 7.58% 7.28% 7.35% 7.62% 7.52% 8.70% 7.47% 7.60% Tangible Assets 2025 WesBanco, Inc. \| All rights reserved 29 Note: Premier Financial Corporation merger closed February 2025

------

![LOGO](g877486dsp038.jpg)

Reconciliation Return on average assets Three Months Ending Six Months Ending Twelve Months Ending ($000s) 6/30/2024 6/30/2025 6/30/2024 6/30/2025 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 Net Income/(Loss) Available to Common Shareholders $26,385 $54,884 $59,546 $43,360 $119,400 $232,135 $181,988 $148,907 $141,385 Restructuring and Merger-Related Expense (net of tax) $2,984 $32,434 $2,984 $48,242 $7,683 $5,306 $1,361 $3,026 $5,056 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) $0 $0 $0 $46,926 $0 $0 $0 $0 $0 Net Income Available to Common Shareholders (excluding restructuring & merger-related expense and day 1 provision for credit losses on acquired $29,369 $87,318 $62,530 $138,528 $127,083 $237,441 $183,349 $151,933 $146,441 loans) Average Assets $17,890,314 $27,304,700 $17,797,289 $24,459,913 $16,442,704 $16,928,377 $16,879,541 $17,259,720 $18,122,625 Return on Average Assets (1) 0.59% 0.81% 0.67% 0.36% 0.73% 1.37% 1.08% 0.86% 0.78% Return on Average Assets (excluding restructuring & merger-related (1) 0.66% 1.28% 0.71% 1.14% 0.77% 1.40% 1.09% 0.88% 0.81% expense and day 1 provision for credit losses on acquired loans) Note: (1) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year. 2025 WesBanco, Inc. \| All rights reserved 30 Note: Current Expected Credit Losses ("CECL") accounting standard adopted January 1, 2020 by WSBC; Old Line Bancshares merger closed November 2019.

------

![LOGO](g877486dsp039.jpg)

Reconciliation Return on average tangible common equity Three Months Ending Six Months Ending Twelve Months Ending ($000s) 6/30/2024 6/30/2025 6/30/2024 6/30/2025 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 Net Income/(Loss) Available to Common Shareholders $26,385 $54,884 $59,546 $43,360 $119,400 $232,135 $181,988 $148,907 $141,385 Amortization of Intangibles (1) $1,637 $7,271 $3,290 $10,607 $10,595 $9,051 $8,120 $7,180 $6,518 Net Income Available to Common Shareholders before Amortization $28,022 $62,155 $62,836 $53,967 $129,995 $241,186 $190,108 $156,087 $147,903 of Intangibles Restructuring and Merger-Related Expense (net of tax) $2,984 $32,434 $2,984 $48,242 $7,683 $5,306 $1,361 $3,026 $5,056 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) $0 $0 $0 $46,926 $0 $0 $0 $0 $0 Net Income Available to Common Shareholders before Amortization of Intangibles, Restructuring & Merger-Related Expenses amd Day 1 $31,006 $94,589 $65,820 $149,135 $137,678 $246,492 $191,469 $159,113 $152,959 Provision for Credit Losses on Acquired Loans Average Tangible Common Equity $1,276,200 $2,066,671 $1,276,809 $1,880,238 $1,453,363 $1,475,155 $1,234,963 $1,201,866 $1,387,218 Return on Average Tangible Common Equity (2) 8.83% 12.06% 9.90% 5.79% 8.94% 16.35% 15.39% 12.99% 10.66% Return on Average Tangible Common Equity Excluding Restructuring & Merger-Related Expenses and Day 1 Provision for Credit Losses on 9.77% 18.36% 10.37% 15.99% 9.47% 16.71% 15.50% 13.24% 11.03% Acquired Loans (2) Note: (1) Amortization of intangibles tax effected at 21% for all prior periods. Note: (2) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year. Note: Current Expected Credit Losses ("CECL") accounting standard adopted January 1, 2020 by WSBC; Old Line Bancshares merger closed November 2025 WesBanco, Inc. \| All rights reserved 31 2019.

------

![LOGO](g877486dsp040.jpg)

Reconciliation Non-interest expense to total assets and efficiency ratio Three Months Ending Six Months Ending Twelve Months Ending ($000s) 6/30/2024 3/31/2025 6/30/2025 6/30/2024 6/30/2025 12/31/2009 12/31/2010 12/31/2011 12/31/2012 12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 Total Assets (Period-End) ($MM) $18,128 $27,412 $27,572 $18,128 $27,572 $5,397 $5,361 $5,536 $6,079 $6,145 $6,297 $8,470 $9,791 $9,816 $12,459 $15,720 $16,426 $16,927 $16,932 $17,712 $18,684 Non-Interest Expense $102,392 $133,966 $186,535 $199,585 $320,500 $149,648 $141,152 $140,295 $150,120 $160,998 $161,633 $193,923 $208,680 $220,860 $265,224 $312,208 $354,845 $353,143 $356,966 $390,002 $401,871 Restructuring & Merger-Related ($3,777) ($20,010) ($41,056) ($3,777) ($61,066) ($1,815) ($175) $0 ($3,888) ($1,310) ($1,309) ($11,082) ($13,261) ($945) ($17,860) ($16,397) ($9,725) ($6,717) ($1,723) ($3,830) ($6,400) Expense Non-Interest Expense (excluding restructuring & merger-related $98,615 $113,956 $145,479 $195,808 $259,434 $147,833 $140,977 $140,295 $146,232 $159,688 $160,324 $182,841 $195,419 $219,915 $247,364 $295,811 $345,120 $346,426 $355,243 $386,172 $395,471 expense) Non-Interest Expense to Total 2.27% 1.99% 2.71% 2.21% 2.34% 2.77% 2.63% 2.53% 2.47% 2.62% 2.57% 2.29% 2.13% 2.25% 2.13% 1.99% 2.16% 2.09% 2.11% 2.20% 2.15% Assets Non-Interest Expense (excluding restructuring & merger-related 2.19% 1.69% 2.12% 2.17% 1.90% 2.74% 2.63% 2.53% 2.41% 2.60% 2.55% 2.16% 2.00% 2.24% 1.99% 1.88% 2.10% 2.05% 2.10% 2.18% 2.12% expense) to Total Assets Net Interest Income (FTE-basis) $117,804 $159,723 $217,996 $232,990 $377,719 $165,916 $172,235 $175,885 $175,027 $192,556 $200,545 $246,014 $263,232 $300,790 $352,760 $405,222 $483,999 $462,229 $479,315 $486,343 $483,016 Non-Interest Income $31,355 $34,665 $43,957 $61,984 $78,622 $64,589 $59,599 $59,888 $64,775 $69,285 $68,504 $74,466 $81,499 $88,840 $100,276 $116,716 $128,185 $132,785 $117,391 $120,447 $127,983 Total Income $149,159 $194,388 $261,953 $294,974 $456,341 $230,505 $231,834 $235,773 $239,802 $261,841 $269,049 $320,480 $344,731 $389,630 $453,036 $521,938 $612,184 $595,014 $596,706 $606,790 $610,999 Efficiency Ratio 66.11% 58.62% 55.54% 66.38% 56.85% 64.13% 60.81% 59.50% 60.98% 60.99% 59.59% 57.05% 56.69% 56.44% 54.60% 56.68% 56.38% 58.22% 59.53% 63.64% 64.73% Note: "Non-interest expense to total assets" are annualized by utilizing the actual numbers of days in the quarter versus the year; "efficiency ratio" is non-interest expense excluding restructuring and merger-related expense divided by total income; FTE represents fully taxable equivalent; merger closings: Premier Financial Corporation February 2025; Old Line Bancshares November 2019; Farmers Capital Bank Corporation August 2018; First Sentry 2025 WesBanco, Inc. \| All rights reserved 32 Bancshares April 2018; Your Community Bankshares September 2016; ESB Financial February 2015; Fidelity Bancorp November 2012; AmTrust 5 branches March 2009.

------

![LOGO](g877486dsp041.jpg)

Reconciliation Net income and diluted earnings per share (EPS) Three Months Ending Six Months Ending ($000s, except earnings per share) 6/30/2024 3/31/2025 6/30/2025 6/30/2024 6/30/2025 Net Income/(Loss) Available to Common Shareholders $26,385 ($11,523) $54,884 $59,546 $43,360 Restructuring and Merger-Related Expense (net of tax) 2,984 15,808 32,434 2,984 48,242 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) 0 46,926 0 0 46,926 Net Income Available to Common Shareholders (excluding restructuring and merger-related expense and day 1 provision for credit losses on acquired $29,369 $51,211 $87,318 $62,530 $138,528 loans) Net Income/(Loss) Available to Common Shareholders per Diluted $0.44 ($0.15) $0.57 $1.00 $0.50 Share ($) Restructuring and Merger-Related Expense (net of tax) 0.00 0.21 0.00 0.00 0.54 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) 0.05 0.60 0.34 0.05 0.56 Net Income Available to Common Shareholders per Diluted Share ($) (excluding restructuring and merger-related expense and day 1 provision for $0.49 $0.66 $0.91 $1.05 $1.60 credit losses on acquired loans) Average Common Shares Outstanding – Diluted (000s) 59,656 77,021 95,808 59,593 86,467 2025 WesBanco, Inc. \| All rights reserved 33

------

![LOGO](g877486dsp042.jpg)

Reconciliation Pre-tax income excl. restructuring and merger related expenses Three Months Ending Twelve Months Ending ($000s) 3/31/2025 6/30/2025 12/31/2021 12/31/2022 12/31/2023 12/31/2024 Income before Provision for Income Taxes ($9,665) $70,973 $301,849 $236,401 $194,049 $185,114 Restructuring and Merger-Related Expense 20,010 41,056 6,717 1,723 3,830 6,400 Income before Provision for Income Taxes (excluding restructuring and merger$10,345 $112,029 $308,566 $238,124 $197,879 $191,514 related expense)©2025 WesBanco, Inc. \| All rights reserved 34