# EDGAR Filing Document

**Accession Number:** 0000203596
**File Stem:** 0001193125-26-024588
**Filing Date:** 2026-1
**Character Count:** 132375
**Document Hash:** 4d9fe03cb799f4def76faffda3d79fad
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-024588.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0001193125-26-024588

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 35

**CONFORMED PERIOD OF REPORT**: 20260127

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**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:** 26566116

**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**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

&nbsp;&nbsp;&nbsp;&nbsp;**Date of Report (Date of earliest event reported):** January 27, 2026<br>

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WESBANCO, INC.

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

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| | | |
|:---|:---|:---|
| West Virginia | 001-39442 | 55-0571723 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 1 Bank Plaza |  |  |
| Wheeling**,** West Virginia |  | 26003 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

---

**Registrant's Telephone Number, Including Area Code:** 304 234-9000<br>

**Former Name or Former Address, if Changed Since Last Report: Not Applicable**

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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:

☐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:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange 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 7.375% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B) | WSBCO | Nasdaq Global Select Market |

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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. ☐

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## Item 2.02 Results of Operations and Financial Condition.
Wesbanco, Inc. issued a press release and earnings call presentation today announcing earnings for the three and twelve months ended December 31, 2025. The press release is attached as Exhibit 99.1 and the earnings call presentation is attached as Exhibit 99.2 to this report.

Wesbanco, Inc. will host a conference call to discuss the Company's financial results for the fourth quarter of 2025 on Wednesday, January 28, 2026 at 9:00 a.m. ET.

Interested parties can access the live webcast of the conference call through the Investor Relations section of the Company's website, www.wesbanco.com. Participants can also listen to the conference call by dialing 888-347-6607, or 1-412-902-4290 for international callers, and asking to be joined into the Wesbanco call. Please log in or dial in at least 10 minutes prior to the start time to ensure a connection.

A replay of the conference call will be available by dialing 855-669-9658, or 1-412-317-0088 for international callers, and providing the access code of 6442178. The replay will begin at approximately 11:00 a.m. ET on January 28, 2026, and end at 12 a.m. ET on February 11, 2026. An archive of the webcast will be available for one year on the Investor Relations section of the Company's website (www.wesbanco.com).

The press release is attached as Exhibit 99.1 to this report.

## Item 9.01 Financial Statements and Exhibits.
**(d)** Exhibits:

99.1 - [<u>Press release dated January 27, 2026 announcing the earnings for the three and twelve months ended December 31, 2025.</u>](wsbc-ex99_1.htm)

99.2 - [<u>Fourth quarter 2025 earnings conference call presentation.</u>](wsbc-ex99_2.htm)

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

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**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 thereunto duly authorized.

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| | | |
|:---|:---|:---|
|  |  | <u>Wesbanco, Inc.</u><br>(registrant) |
| Date: | January 27, 2026 | ***/s/ Daniel K. Weiss, Jr.*** |
|  |  | Daniel K. Weiss, Jr.<br>Senior Executive Vice President and<br>Chief Financial Officer<br>|

---

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## Exhibit 99.1

# ![img235408680_0.gif](img235408680_0.gif)
**WesBanco Announces Fourth Quarter 2025 Financial Results**

*Solid loan growth fully funded by deposit growth; net interest margin of 3.61% improved 58 basis points year-over-year*

Wheeling, WVa. (January 27, 2026) – WesBanco, Inc. ("WesBanco" or "Company") (Nasdaq: WSBC), a diversified, multi-state bank holding company, today announced net income and related earnings per share for the three months ended December 31, 2025. Net income available to common shareholders for the fourth quarter of 2025 was $78.2 million, with diluted earnings per share of $0.81, compared to $47.1 million and $0.70 per diluted share, respectively, for the fourth quarter of 2024. The fourth quarter of 2025 included dividends and redemption premium totaling $8.0 million, or $0.08 per share, related to the Series A preferred stock, which was redeemed on November 15, 2025. For the twelve months ended December 31, 2025, net income was $202.6 million, or $2.23 per diluted share, which reflected the impact of a day one provision for credit losses and other expenses related to the closing of the Premier Financial Corp. ("PFC") acquisition on February 28, 2025, compared to $141.4 million, or $2.26 per diluted share, for the 2024 period.

As noted below, WesBanco reported $0.84 of earnings per diluted share, in the fourth quarter, as compared to $0.71 in the prior year period, when excluding after-tax restructuring and merger-related expenses (non-GAAP measures). On a similar basis and excluding the after-tax day one provision for credit losses on acquired loans, WesBanco reported $3.40 per diluted share, for the twelve month period, which was a 45.3% increase compared to $2.34 per diluted share last year (non-GAAP measures).

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ***For the Three Months Ended December 31,*** | ***For the Three Months Ended December 31,*** | ***For the Three Months Ended December 31,*** | ***For the Three Months Ended December 31,*** | ***For the Twelve Months Ended December 31,*** | ***For the Twelve Months Ended December 31,*** | ***For the Twelve Months Ended December 31,*** | ***For the Twelve Months Ended December 31,*** |
|  | ***2025*** | ***2025*** | ***2024*** | ***2024*** | ***2025*** | ***2025*** | ***2024*** | ***2024*** |
| ***(unaudited, dollars in thousands,<br>except per share amounts)*** | ***Net<br>Income*** | ***Diluted<br>Earnings<br>Per Share*** | ***Net<br>Income*** | ***Diluted<br>Earnings<br>Per Share*** | ***Net<br>Income*** | ***Diluted<br>Earnings<br>Per Share*** | ***Net<br>Income*** | ***Diluted<br>Earnings<br>Per Share*** |
| Net income available to common shareholders (GAAP) | $78162 | $0.81 | $47098 | $0.70 | $202564 | $2.23 | $141385 | $2.26 |
| Add: After tax restructuring and merger-related expenses | 2752 | 0.03 | 510 | 0.01 | 59987 | 0.66 | 5056 | 0.08 |
| Add: after-tax day one provision for credit losses on acquired loans | - | - | - | - | 46926 | 0.51 | - | - |
| Adjusted net income available to common shareholders (Non-GAAP)(1) | $80914 | $0.84 | $47608 | $0.71 | $309477 | $3.40 | $146441 | $2.34 |
| *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of these items.* |

---

Financial and operational highlights during the quarter ended December 31, 2025:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Deposit growth fully funded loan growth both year-over-year and quarter-over-quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Total deposits increased 7.2% annualized from the third quarter driven by demand and money market deposits

oTotal deposits increased 53.3% year-over-year to $21.7 billion, reflecting $6.9 billion of deposits from PFC and organic growth of 4.7%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Total loans increased 6.2% annualized from the third quarter despite commercial real estate ("CRE") payoffs of approximately $415 million in the quarter

oTotal loans increased 51.9% year-over-year to $19.2 billion, reflecting organic growth of 5.2% and $5.9 billion of loans from PFC

oCRE payoffs totaled approximately $905 million for the year

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Net interest margin of 3.61% increased 58 basis points year-over-year and 8 basis points quarter-over-quarter reflecting higher earning asset yields and lower funding costs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Reflecting the PFC acquisition, market appreciation, and organic growth, WesBanco Trust and Investment Services ("WTIS") assets under management increased to a record $7.9 billion

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Efficiency ratio of 51.6% improved more than 8 percentage points year-over-year due to expense synergies generated from the PFC acquisition, as well as a continued focus on expense management and driving positive operating leverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Successful execution of WesBanco's financial center optimization strategy with the closure of 27 locations on January 23<sup>rd</sup>

"2025 was another year of disciplined growth and strong execution for WesBanco as we continued our transformation into a regional financial services partner through our successful acquisition and integration of Premier Financial and its

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customers," said Jeff Jackson, President and Chief Executive Officer. "We delivered strong total and organic loan growth fully funded by deposits, strengthened our balance sheet, and improved our net interest margin. We achieved record levels of fee income and wealth management assets, while our focus on cost control drove our efficiency ratio into the low 50 percent range. Together, these underscore the strength of our organic growth-oriented business model and position us well to continue delivering value for our customers and stakeholders."

**<u>Balance Sheet</u>**

WesBanco's balance sheet, as of December 31, 2025, reflects both the PFC acquisition and organic growth. Total assets increased 48.2% year-over-year to $27.7 billion, including total portfolio loans of $19.2 billion and total securities of $4.5 billion. Total portfolio loans increased 51.9% year-over-year due to acquired PFC loans of $5.9 billion and organic growth of $657 million, driven by the commercial teams. CRE payoffs have continued to increase and totaled approximately $415 million during the fourth quarter of 2025 and $905 million for the year, more than 2.5 times the prior year-to-date period.

Deposits of $21.7 billion increased 53.3% year-over-year due to acquired PFC deposits of $6.9 billion and organic growth of $662 million, which fully funded year-over-year organic loan growth. On a sequential quarter basis, total deposits increased $385 million, also fully funding quarter-over-quarter loan growth, due to the efforts of our consumer and business teams more than offsetting the intentional runoff of $55 million of higher cost certificates of deposit. Reflecting the addition of PFC deposits, which included $1.3 billion of certificates of deposit, total demand deposits represented 49% of total deposits, with the non-interest bearing component representing 25%.

**<u>Credit Quality</u>**

As of December 31, 2025, criticized and classified loans, non-performing loans, and non-performing assets as percentages of the loan portfolio and total assets have remained low, from a historical perspective, and within a consistent range through the last five years. As expected, criticized and classified loans as a percent of total portfolio loans decreased 7 basis points from the sequential quarter to 3.15%. Net charge-offs for the fourth quarter were 0.06% of total loans.

The allowance for credit losses to total portfolio loans at December 31, 2025 was 1.14% of total loans, or $218.7 million. Excluded from the allowance for credit losses and related coverage ratio are fair market value adjustments on previously acquired loans representing 1.57% of total portfolio loans.

**<u>Net Interest Margin and Income</u>**

The fourth quarter margin of 3.61% improved 58 basis points year-over-year through a combination of higher loan and securities yields and lower funding costs, and improved 8 basis points sequentially. Deposit funding costs of 245 basis points for the fourth quarter of 2025 decreased 26 basis points from the prior year period. When including non-interest bearing deposits, deposit funding costs for the fourth quarter were 184 basis points.

Net interest income for the fourth quarter of 2025 was $222.3 million, an increase of $95.8 million, or 75.7% year-over-year, reflecting the impact of the benefits from the PFC acquisition, loan growth, higher loan and securities yields, and lower deposit and FHLB borrowing costs. For the twelve months ended December 31, 2025, net interest income of $814.3 million increased $336.1 million, or 70.3%, primarily due to the reasons discussed for the three-month period comparison.

**<u>Non-Interest Income</u>**

For the fourth quarter of 2025, non-interest income of $43.3 million increased $6.9 million, or 18.9%, from the fourth quarter of 2024 due primarily to the acquisition of PFC. Service charges on deposits increased $3.0 million year-over-year, reflecting the addition of PFC, fee income from new products and services and treasury management, and increased general consumer spending. Digital banking fees increased $1.3 million from higher volumes primarily associated with our larger customer base. Reflecting record asset levels, trust fees and net securities brokerage revenue increased $2.0 million and $0.4 million, respectively, due to the addition of PFC wealth clients, market value appreciation, and organic growth. Bank-owned life insurance increased $1.9 million year-over-year due to the addition of PFC. Other income decreased $2.0 million due to a $2.3 million gain in the prior year from the transfer of certain liabilities for future pension payments to a third-party insurance company. Gross swap fees were $3.4 million in the fourth quarter, compared to $1.3 million in the prior year period, while fair value adjustments were $0.5 million as compared to $1.9 million, respectively.

Primarily reflecting the items discussed above, as well as mortgage banking income, non-interest income, for the twelve months ended December 31, 2025, increased $38.8 million, or 30.3%, year-over-year to $166.8 million. Mortgage Banking income increased due to an approximate 43% year-over-year increase in residential mortgage originations primarily related to our larger customer base.

**<u>Non-Interest Expense</u>**

Non-interest expense, excluding restructuring and merger-related costs, for the three months ended December 31, 2025 was $144.4 million, a $43.9 million, or 43.7%, increase year-over-year primarily due to the addition of the PFC expense base associated with approximately 900 employees and 70 financial centers, but were down slightly as compared to the

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third quarter, reflecting expense management. Salaries and wages of $61.7 million and employee benefits expense of $17.1 million increased due to higher staffing levels and higher health insurance costs. Amortization of intangible assets of $7.2 million increased $5.2 million year-over-year due to the core deposit intangible asset that was created from the acquisition of PFC. Restructuring and merger-related expenses of $3.5 million are primarily related to costs associated with the financial center optimization.

Excluding restructuring and merger-related expenses, non-interest expense during the first twelve months of 2025 of $548.6 million increased $153.2 million, or 38.7%, compared to the prior year period, due primarily to the expenses described above. Equipment and software expense of $62.6 million reflects the addition of PFC and the additional cost of operating two core systems until the conversion to one platform in mid-May. FDIC insurance expense of $20.9 million increased due to our larger asset size.

**<u>Capital</u>**

WesBanco continues to maintain what we believe are strong regulatory capital ratios, as both consolidated and bank-level regulatory capital ratios are well above the applicable "well-capitalized" standards promulgated by bank regulators and the BASEL III capital standards. At December 31, 2025, Tier I leverage was 9.42%, Tier I risk-based capital ratio was 11.38%, common equity Tier 1 capital ratio ("CET 1") was 10.34%, and total risk-based capital was 13.88%. In addition, the tangible common equity to tangible assets ratio was 8.13%.

Fourth quarter 2025 preferred stock dividends totaled $12.9 million, reflecting the $2.5 million dividend and $5.5 million redemption premium on the Series A preferred stock, which was redeemed on November 15<sup>th</sup>, and a $4.9 million dividend on the new Series B preferred stock.

**<u>Conference Call and Webcast</u>**

WesBanco will host a conference call to discuss the Company's financial results for the fourth quarter of 2025 at 9:00 a.m. ET on Wednesday, January 28, 2026. Interested parties can access the live webcast of the conference call through the Investor Relations section of the Company's website, www.wesbanco.com. Participants can also listen to the conference call by dialing 888-347-6607, or 1-412-902-4290 for international callers, and asking to be joined into the WesBanco call. Please log in or dial in at least 10 minutes prior to the start time to ensure a connection.

A replay of the conference call will be available by dialing 855-669-9658, or 1-412-317-0088 for international callers, and providing the access code of 6442178. The replay will begin at approximately 11:00 a.m. ET on January 28, 2026, and end at 12 a.m. ET on February 11, 2026. An archive of the webcast will be available for one year on the Investor Relations section of the Company's website (www.wesbanco.com).

**<u>Forward-Looking Statements</u>**

Forward-looking statements in this report relating to WesBanco's plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco's Form 10-K for the year ended December 31, 2024 and documents subsequently filed by WesBanco with the Securities and Exchange Commission ("SEC") including WesBanco's Form 10-Q for the quarters ended March 31, June 30 and September 30, 2025, which are available at the SEC's website, www.sec.gov or at WesBanco's website, www.WesBanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco's most recent Annual Report on Form 10-K filed with the SEC under "Risk Factors" in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, the expected cost savings and any revenue synergies from the merger of WesBanco and Premier may not be fully realized within the expected timeframes; disruption from the merger of WesBanco and Premier may make it more difficult to maintain relationships with clients, associates, or suppliers; the effects of changing regional and national economic conditions, changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; cyber-security breaches; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco's operational and financial performance. WesBanco does not assume any duty to update forward-looking statements.

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While forward-looking statements reflect our good-faith beliefs, they are not guarantees of future performance. All forward-looking statements are necessarily only estimates of future results. Accordingly, actual results may differ materially from those expressed in or contemplated by the particular forward-looking statement, and, therefore, you are cautioned not to place undue reliance on such statements. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law.

Statements in this presentation with respect to the benefits of the merger between WesBanco and Premier, the parties' plans, obligations, expectations, and intentions, and the statements with respect to accretion, earn back of tangible book value, tangible book value dilution and internal rate of return, constitute forward-looking statements as defined by federal securities laws. Such statements are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors including: the expected cost savings and any revenue synergies from the merger may not be fully realized within the expected time frames; disruption from the merger may make it more difficult to maintain relationships with clients, associates, or suppliers; changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of other business strategies; the nature, extent, and timing of governmental actions and reforms; extended disruption of vital infrastructure; and other factors described in WesBanco's 2024 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the Securities and Exchange Commission.

**<u>Non-GAAP Financial Measures</u>**

In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), WesBanco's management uses, and this presentation contains or references, certain non-GAAP financial measures, such as pre-tax pre-provision income, tangible common equity/tangible assets; net income excluding after-tax restructuring and merger-related expenses and excluding after-tax day one provision for credit losses on acquired loans; efficiency ratio; return on average assets; and return on average tangible equity. WesBanco believes these financial measures provide information useful to investors in understanding our operational performance and business and performance trends which facilitate comparisons with the performance of others in the financial services industry. Although WesBanco believes that these non-GAAP financial measures enhance investors' understanding of WesBanco's business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the Quarterly Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings that the company has made with the SEC.

**<u>About WesBanco, Inc.</u>**

With over 150 years as a community-focused, regional financial services partner, WesBanco Inc. (NASDAQ: WSBC) and its subsidiaries build lasting prosperity through relationships and solutions that empower our customers for success in their financial journeys. Customers across our nine-state footprint choose WesBanco for the comprehensive range and personalized delivery of our retail and commercial banking solutions, as well as trust, brokerage, wealth management and insurance services, all designed to advance their financial goals. Through the strength of our teams, we leverage large bank capabilities and local focus to help make every community we serve a better place for people and businesses to thrive. Headquartered in Wheeling, West Virginia, WesBanco has $27.7 billion in total assets, with our Trust and Investment Services holding $7.9 billion of assets under management and securities account values (including annuities) of $2.5 billion through our broker/dealer, as of December 31, 2025. Learn more at www.wesbanco.com and follow @WesBanco on Facebook, LinkedIn and Instagram.

SOURCE: WesBanco, Inc.

WesBanco Company Contact:

John H. Iannone

Senior Vice President, Investor Relations

304-905-7021

###

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** |
| **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* |
|  | ***For the Three Months Ended*** | ***For the Three Months Ended*** | ***For the Three Months Ended*** | ***For the Twelve Months Ended*** | ***For the Twelve Months Ended*** | ***For the Twelve Months Ended*** |
| **<u>STATEMENT OF INCOME</u>** | ***December 31,*** | ***December 31,*** | ***December 31,*** | ***December 31,*** | ***December 31,*** | ***December 31,*** |
|  | ***2025*** | ***2024*** | ***% Change*** | ***2025*** | ***2024*** | ***% Change*** |
| **Interest and dividend income** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including fees | $**293208** | $183251 | 60.0 | $**1097203** | $709802 | 54.6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest and dividends on securities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable | **31546** | 18575 | 69.8 | **116342** | 70559 | 64.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt | **4865** | 4449 | 9.4 | **18702** | 18089 | 3.4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividends on securities | **36411** | 23024 | 58.1 | **135044** | 88648 | 52.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other interest income | **9821** | 7310 | 34.4 | **39693** | 27191 | 46.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total interest and dividend income | **339440** | 213585 | 58.9 | **1271940** | 825641 | 54.1 |
| **Interest expense** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing demand deposits | **29821** | 27044 | 10.3 | **120953** | 107700 | 12.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | **36166** | 18734 | 93.1 | **131839** | 72899 | 80.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | **9570** | 7271 | 31.6 | **35176** | 31066 | 13.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | **24235** | 16723 | 44.9 | **87788** | 53236 | 64.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense on deposits | **99792** | 69772 | 43.0 | **375756** | 264901 | 41.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal Home Loan Bank borrowings | **11378** | 12114 | (6.1) | **58434** | 62489 | (6.5) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other short-term borrowings | **730** | 1291 | (43.5) | **3433** | 3953 | (13.2) |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt and junior subordinated debt | **5243** | 3902 | 34.4 | **20017** | 16090 | 24.4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | **117143** | 87079 | 34.5 | **457640** | 347433 | 31.7 |
| **Net interest income** | **222297** | 126506 | 75.7 | **814300** | 478208 | 70.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | **3059** | (147) | NM | **77242** | 19206 | 302.2 |
| Net interest income after provision for credit losses | **219238** | 126653 | 73.1 | **737058** | 459002 | 60.6 |
| **Non-interest income** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Trust fees | **9745** | 7775 | 25.3 | **37087** | 30676 | 20.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposits | **11159** | 8138 | 37.1 | **41392** | 29979 | 38.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Digital banking income | **6422** | 5125 | 25.3 | **26475** | 19953 | 32.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net swap fee and valuation income | **3959** | 3230 | 22.6 | **8896** | 5941 | 49.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities brokerage revenue | **2836** | 2430 | 16.7 | **11846** | 10238 | 15.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | **4458** | 2512 | 77.5 | **15101** | 9544 | 58.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage banking income | **791** | 1229 | (35.6) | **6194** | 4270 | 45.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities gains | **1077** | 61 | NM | **3379** | 1408 | 140.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net (losses)/gains on other real estate owned and other assets | **(824)** | 193 | (526.9) | **(424)** | 142 | (398.6) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | **3647** | 5695 | (36.0) | **16809** | 15832 | 6.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | **43270** | 36388 | 18.9 | **166755** | 127983 | 30.3 |
| **Non-interest expense** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and wages | **61664** | 45638 | 35.1 | **230977** | 177516 | 30.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Employee benefits | **17148** | 11856 | 44.6 | **67015** | 46141 | 45.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net occupancy | **8522** | 5999 | 42.1 | **33237** | 25157 | 32.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment and software | **16110** | 10681 | 50.8 | **62612** | 41303 | 51.6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Marketing | **2636** | 2531 | 4.1 | **9861** | 9764 | 1.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance | **5411** | 3640 | 48.7 | **20897** | 14215 | 47.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of intangible assets | **7217** | 2034 | 254.8 | **29070** | 8251 | 252.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Restructuring and merger-related expense | **3483** | 646 | 439.2 | **75933** | 6400 | NM |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expenses | **25697** | 18079 | 42.1 | **94973** | 73124 | 29.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense | **147888** | 101104 | 46.3 | **624575** | 401871 | 55.4 |
| Income before provision for income taxes | **114620** | 61937 | 85.1 | **279238** | 185114 | 50.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for income taxes | **23510** | 12308 | 91.0 | **56133** | 33604 | 67.0 |
| **Net Income** | **91110** | 49629 | 83.6 | **223105** | 151510 | 47.3 |
| Preferred stock dividends | **12948** | 2531 | 411.6 | **20541** | 10125 | 102.9 |
| **Net income available to common shareholders** | $**78162** | $47098 | 66.0 | $**202564** | $141385 | 43.3 |
| *Taxable equivalent net interest income* | $***223590*** | $*127689* | 75.1 | $***819271*** | $*483016* | 69.6 |
| **<u>Per common share data</u>** |  |  |  |  |  |  |
| Net income per common share - basic | $**0.81** | $0.70 | 15.7 | $**2.23** | $2.26 | (1.3) |
| Net income per common share - diluted | **0.81** | 0.70 | 15.7 | **2.23** | 2.26 | (1.3) |
| Net income per common share - diluted, excluding certain items (1)(2) | **0.84** | 0.71 | 18.3 | **3.40** | 2.34 | 45.3 |
| Dividends declared | **0.38** | 0.37 | 2.7 | **1.49** | 1.45 | 2.8 |
| Book value (period end) | **39.64** | 39.54 | 0.3 | **39.64** | 39.54 | 0.3 |
| Tangible book value (period end) (1) | **22.01** | 22.83 | (3.6) | **22.01** | 22.83 | (3.6) |
| Average common shares outstanding - basic | **96053336** | 66895834 | 43.6 | **90896991** | 62589406 | 45.2 |
| Average common shares outstanding - diluted | **96226845** | 66992009 | 43.6 | **91034094** | 62653557 | 45.3 |
| Period end common shares outstanding | **96067559** | 66919805 | 43.6 | **96067559** | 66919805 | 43.6 |
| Period end preferred shares outstanding | **230000** | 150000 | 53.3 | **230000** | 150000 | 53.3 |
| *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* |  |  |  |  |
| *(2) 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.* | *(2) 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.* | *(2) 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.* | *(2) 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.* | *(2) 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.* |  |  |
| *NM - Not Meaningful* | *NM - Not Meaningful* | *NM - Not Meaningful* | *NM - Not Meaningful* | *NM - Not Meaningful* |  |  |

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# 6

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| | | | |
|:---|:---|:---|:---|
| **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** |
| **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** |
| *(unaudited, dollars in thousands, unless otherwise noted)* | *(unaudited, dollars in thousands, unless otherwise noted)* | *(unaudited, dollars in thousands, unless otherwise noted)* | *(unaudited, dollars in thousands, unless otherwise noted)* |
| **<u>Selected ratios</u>** |  |  |  |
|  | ***For the Twelve Months Ended*** | ***For the Twelve Months Ended*** | ***For the Twelve Months Ended*** |
|  | ***December 31,*** | ***December 31,*** | ***December 31,*** |
|  | ***2025*** | ***2024*** | ***% Change*** |
| Return on average assets | **0.78%** | 0.78% | -% |
| Return on average assets, excluding certain items (1) | **1.19** | 0.81 | 46.91 |
| Return on average equity | **5.41** | 5.33 | 1.50 |
| Return on average equity, excluding certain items (1) | **8.27** | 5.52 | 49.82 |
| Return on average tangible equity (1) | **10.45** | 9.66 | 8.18 |
| Return on average tangible equity, excluding certain items (1) | **15.40** | 9.99 | 54.15 |
| Return on average tangible common equity (1) | **11.46** | 10.66 | 7.50 |
| Return on average tangible common equity, excluding certain items (1) | **16.89** | 11.03 | 53.13 |
| Yield on earning assets (2) | **5.50** | 5.10 | 7.84 |
| Cost of interest bearing liabilities | **2.72** | 3.07 | (11.40) |
| Net interest spread (2) | **2.78** | 2.03 | 36.95 |
| Net interest margin (2) | **3.53** | 2.96 | 19.26 |
| Efficiency (1) (2) | **52.87** | 63.52 | (16.77) |
| Average loans to average deposits | **89.24** | 89.48 | (0.27) |
| Annualized net loan charge-offs/average loans | **0.10** | 0.11 | (9.09) |
| Effective income tax rate | **20.10** | 18.15 | 10.74 |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | ***For the Three Months Ended*** | ***For the Three Months Ended*** | ***For the Three Months Ended*** | ***For the Three Months Ended*** | ***For the Three Months Ended*** |
|  | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Dec. 31,*** |
|  | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2024*** |
| Return on average assets | **1.13%** | 1.17% | 0.81% | (0.22)% | 1.01% |
| Return on average assets, excluding certain items (1) | **1.17** | 1.30 | 1.28 | 0.96 | 1.02 |
| Return on average equity | **7.58** | 8.25 | 5.76 | (1.45) | 6.68 |
| Return on average equity, excluding certain items (1) | **7.85** | 9.16 | 9.17 | 6.45 | 6.75 |
| Return on average tangible equity (1) | **13.93** | 15.86 | 11.27 | (1.74) | 11.49 |
| Return on average tangible equity, excluding certain items (1) | **14.39** | 17.48 | 17.16 | 11.61 | 11.61 |
| Return on average tangible common equity (1) | **15.87** | 17.26 | 12.06 | (1.89) | 12.56 |
| Return on average tangible common equity, excluding certain items (1) | **16.39** | 19.03 | 18.36 | 12.56 | 12.69 |
| Yield on earning assets (2) | **5.51** | 5.58 | 5.56 | 5.33 | 5.10 |
| Cost of interest bearing liabilities | **2.62** | 2.79 | 2.69 | 2.78 | 2.96 |
| Net interest spread (2) | **2.88** | 2.79 | 2.87 | 2.55 | 2.14 |
| Net interest margin (2) | **3.61** | 3.53 | 3.59 | 3.35 | 3.03 |
| Efficiency (1) (2) | **51.62** | 52.13 | 52.30 | 56.36 | 60.01 |
| Average loans to average deposits | **88.78** | 89.41 | 89.47 | 89.32 | 89.24 |
| Annualized net loan charge-offs and recoveries /average loans | **0.06** | 0.19 | 0.09 | 0.08 | 0.13 |
| Effective income tax rate | **20.51** | 19.10 | 19.10 | (6.96) | 19.87 |
| Trust and Investment Services assets under management (3) | $**7886** | $7688 | $7205 | $6951 | $5968 |
| Broker-dealer securities account values (including annuities) (3) | $**2481** | $2588 | $2554 | $2359 | $1852 |
| *(1) Certain items excluded from the calculation can 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 of this item.* | *(1) Certain items excluded from the calculation can 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 of this item.* | *(1) Certain items excluded from the calculation can 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 of this item.* | *(1) Certain items excluded from the calculation can 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 of this item.* | *(1) Certain items excluded from the calculation can 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 of this item.* | *(1) Certain items excluded from the calculation can 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 of this item.* |
| *(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.* | *(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.* | *(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.* | *(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.* | *(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.* | *(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.* |
| *(3) Represents market value at period end, in millions.* | *(3) Represents market value at period end, in millions.* | *(3) Represents market value at period end, in millions.* | *(3) Represents market value at period end, in millions.* | *(3) Represents market value at period end, in millions.* | *(3) Represents market value at period end, in millions.* |

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# 7

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** |
| **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** |
| *(unaudited, dollars in thousands, except shares)* | *(unaudited, dollars in thousands, except shares)* | *(unaudited, dollars in thousands, except shares)* | *(unaudited, dollars in thousands, except shares)* | *(unaudited, dollars in thousands, except shares)* | *(unaudited, dollars in thousands, except shares)* |
|  |  |  |  |  | ***% Change*** |
|  | ***December 31,*** | ***December 31,*** |  | ***September 30,*** | ***September 30, 2025*** |
| **<u>Balance sheets</u>** | ***2025*** | ***2024*** | **% Change** | ***2025*** | ***to Dec. 31, 2025*** |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $**204860** | $142271 | 44.0 | $231814 | (11.6) |
| Due from banks - interest bearing | **751249** | 425866 | 76.4 | 776423 | (3.2) |
| Securities: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Equity securities, at fair value | **30809** | 13427 | 129.5 | 30374 | 1.4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Available-for-sale debt securities, at fair value | **3288332** | 2246072 | 46.4 | 3268016 | 0.6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Held-to-maturity debt securities (fair values of $1,035,957, $1,006,817 and $1,042,503, respectively) | **1132114** | 1152906 | (1.8) | 1150520 | (1.6) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses - held-to-maturity debt securities | **(168)** | (146) | (15.1) | (181) | 7.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net held-to-maturity debt securities | **1131946** | 1152760 | (1.8) | 1150339 | (1.6) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total securities | **4451087** | 3412259 | 30.4 | 4448729 | 0.1 |
| Loans held for sale | **87454** | 18695 | 367.8 | 125971 | (30.6) |
| Portfolio loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | **10938834** | 7326681 | 49.3 | 10755370 | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | **2863893** | 1787277 | 60.2 | 2771906 | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential real estate | **3938585** | 2520086 | 56.3 | 3928469 | 0.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | **1129394** | 821110 | 37.5 | 1091636 | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer | **355726** | 201275 | 76.7 | 384693 | (7.5) |
| Total portfolio loans, net of unearned income | **19226432** | 12656429 | 51.9 | 18932074 | 1.6 |
| Allowance for credit losses - loans | **(218749)** | (138766) | (57.6) | (217666) | (0.5) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net portfolio loans | **19007683** | 12517663 | 51.8 | 18714408 | 1.6 |
| Premises and equipment, net | **263240** | 219076 | 20.2 | 267521 | (1.6) |
| Accrued interest receivable | **106651** | 78324 | 36.2 | 108865 | (2.0) |
| Goodwill and other intangible assets, net | **1723385** | 1124016 | 53.3 | 1736073 | (0.7) |
| Bank-owned life insurance | **557512** | 360738 | 54.5 | 555104 | 0.4 |
| Other assets | **543212** | 385390 | 41.0 | 553134 | (1.8) |
| **Total Assets** | $**27696333** | $**18684298** | 48.2 | $**27518042** | 0.6 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing demand | $**5376767** | $3842758 | 39.9 | $5285740 | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing demand | **5186880** | 3771314 | 37.5 | 5025216 | 3.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | **5072039** | 2429977 | 108.7 | 4901863 | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | **3157782** | 2362736 | 33.6 | 3141075 | 0.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | **2875372** | 1726932 | 66.5 | 2930368 | (1.9) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | **21668840** | 14133717 | 53.3 | 21284262 | 1.8 |
| Federal Home Loan Bank borrowings | **1200000** | 1000000 | 20.0 | 1275000 | (5.9) |
| Other short-term borrowings | **110679** | 192073 | (42.4) | 113501 | (2.5) |
| Subordinated debt and junior subordinated debt | **308529** | 279308 | 10.5 | 358373 | (13.9) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total borrowings | **1619208** | 1471381 | 10.0 | 1746874 | (7.3) |
| Accrued interest payable | **19150** | 14228 | 34.6 | 25472 | (24.8) |
| Other liabilities | **357222** | 274691 | 30.0 | 344907 | 3.6 |
| **Total Liabilities** | **23664420** | 15894017 | 48.9 | 23401515 | 1.1 |
| **Shareholders' Equity** |  |  |  |  |  |
| Preferred stock, no par value; 1,000,000 shares authorized; 0, 150,000 and 150,000 shares of 6.75% non-cumulative perpetual preferred stock, Series A, liquidation preference $150.0 million, issued and outstanding, respectively | **-** | 144484 | (100.0) | 144484 | (100.0) |
| Preferred stock, no par value, 1,000,000 shares authorized; 230,000, 0 and 230,000 shares of 7.375% non-cumulative perpetual preferred stock, Series B, liquidation preference $230.0 million, issued and outstanding, respectively. | **224187** | - | 100.0 | 224383 | (0.1) |
| Common stock, $2.0833 par value; 200,000,000, 200,000,000, and 200,000,000 shares authorized; 96,067,559, 75,354,034 and 96,044,222 shares issued; 96,067,559, 66,919,805 and 96,044,222 shares outstanding, respectively | **200137** | 156985 | 27.5 | 200088 | 0.0 |
| Capital surplus | **2490440** | 1809679 | 37.6 | 2487564 | 0.1 |
| Retained earnings | **1252765** | 1192091 | 5.1 | 1210823 | 3.5 |
| Treasury stock (0, 8,434,229, and 0 shares - at cost, respectively) | **-** | (292244) | (100.0) | - | - |
| Accumulated other comprehensive loss | **(133320)** | (218632) | 39.0 | (148669) | 10.3 |
| Deferred benefits for directors | **(2296)** | (2082) | (10.3) | (2146) | (7.0) |
| **Total Shareholders' Equity** | **4031913** | 2790281 | 44.5 | 4116527 | (2.1) |
| **Total Liabilities and Shareholders' Equity** | $**27696333** | $**18684298** | **48.2** | $**27518042** | **0.6** |

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# 8

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** |
| **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** |
| *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* |
|  | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Three Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** | **For the Twelve Months Ended December 31,** |
|  | ***2025*** | ***2025*** | ***2024*** | ***2024*** | ***2025*** | ***2025*** | ***2024*** | ***2024*** |
| **<u>Average balance sheet and net interest margin analysis</u>** | ***Average*** | ***Average*** | ***Average*** | ***Average*** | ***Average*** | ***Average*** | ***Average*** | ***Average*** |
|  | ***Balance*** | ***Rate*** | ***Balance*** | ***Rate*** | ***Balance*** | ***Rate*** | ***Balance*** | ***Rate*** |
| **Assets** |  |  |  |  |  |  |  |  |
| Due from banks - interest bearing | **762245** | **4.26**% | 474933 | 5.05% | **719247** | **4.66**% | 409900 | 5.48% |
| Loans, net of unearned income (1) | **19100442** | **6.09** | 12565244 | 5.80 | **17943698** | **6.11** | 12185386 | 5.83 |
| Securities: (2) |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable | **3875915** | **3.23** | 2924539 | 2.53 | **3729244** | **3.12** | 2894993 | 2.44 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt (3) | **749388** | **3.26** | 734929 | 3.05 | **736998** | **3.21** | 748304 | 3.06 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total securities | **4625303** | **3.23** | 3659468 | 2.63 | **4466242** | **3.13** | 3643297 | 2.57 |
| Other earning assets | **57695** | **11.28** | 51208 | 9.99% | **70891** | **8.70** | 57845 | 8.20 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total earning assets (3)** | **24545685** | **5.51%** | **16750853** | **5.10%** | **23200078** | **5.50%** | **16296428** | **5.10**% |
| Other assets | **2936278** |  | 1842412 |  | **2767592** |  | 1826197 |  |
| **Total Assets** | **27481963** |  | **18593265** |  | **25967670** |  | **18122625** |  |
| **Liabilities and Shareholders' Equity** |  |  |  |  |  |  |  |  |
| Interest bearing demand deposits | **5082842** | **2.33**% | 3763465 | 2.86% | **4779261** | **2.53**% | 3604463 | 2.99% |
| Money market accounts | **5052312** | **2.84** | 2427005 | 3.07 | **4506303** | **2.93** | 2259882 | 3.23 |
| Savings deposits | **3144470** | **1.21** | 2365805 | 1.22 | **3008218** | **1.17** | 2422859 | 1.28 |
| Certificates of deposit | **2907019** | **3.31** | 1704878 | 3.90 | **2748131** | **3.19** | 1467738 | 3.63 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | **16186643** | **2.45** | 10261153 | 2.71 | **15041913** | **2.50** | 9754942 | 2.72 |
| Federal Home Loan Bank borrowings | **1047826** | **4.31** | 972283 | 4.96 | **1325871** | **4.41** | 1164344 | 5.37 |
| Repurchase agreements | **115255** | **2.51** | 179052 | 2.87 | **126726** | **2.71** | 125534 | 3.15 |
| Subordinated debt and junior subordinated debt | **357353** | **5.82** | 279277 | 5.56 | **344691** | **5.81** | 279189 | 5.76 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total interest bearing liabilities (4)** | **17707077** | **2.62%** | **11691765** | **2.96%** | **16839201** | **2.72%** | **11324009** | **3.07**% |
| Non-interest bearing demand deposits | **5328423** |  | 3819593 |  | **5064560** |  | 3863366 |  |
| Other liabilities | **358007** |  | 275828 |  | **321844** |  | 282076 |  |
| Shareholders' equity | **4088456** |  | 2806079 |  | **3742065** |  | 2653174 |  |
| **Total Liabilities and Shareholders' Equity** | **27481963** |  | **18593265** |  | **25967670** |  | **18122625** |  |
| **Taxable equivalent net interest spread** |  | **2.88%** |  | **2.14%** |  | **2.78%** |  | **2.03**% |
| **Taxable equivalent net interest margin** |  | **3.61%** |  | **3.03%** |  | **3.53%** |  | **2.96**% |
| *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $1.5 million and $1.1 million for the three months ended December 31, 2025 and 2024, respectively, and were $7.0 million and $2.9 million for the twelve months ended December 31, 2025 and 2024, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $16.0 million and $0.8 million for the three months ended December 31, 2025 and 2024, respectively, and $55.3 million and $3.1 million for the twelve months ended December 31, 2025 and 2024, respectively.* |
| *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* | *(2) Average yields on available-for-sale securities are calculated based on amortized cost.* |
| *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* | *(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.* |
| *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.8 million for the three months ended December 31, 2025 and $10.3 million and $0.2 million for the twelve months ended December 31, 2025 and 2024, respectively. There was no accretion on interest bearing liabilities recorded for the three months ended December 31, 2024.* |

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# 9

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** |
| **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* | *(unaudited, dollars in thousands, except shares and per share amounts)* |
|  | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** |
|  | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***March 31,*** | ***Dec. 31,*** |
| **<u>Statement of Income</u>** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2024*** |
| **Interest and dividend income** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including fees | $**293208** | $295482 | $290104 | $218409 | $183251 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest and dividends on securities: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable | **31546** | 31483 | 31066 | 22247 | 18575 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt | **4865** | 4692 | 4616 | 4529 | 4449 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividends on securities | **36411** | 36175 | 35682 | 26776 | 23024 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other interest income | **9821** | 11229 | 10596 | 8047 | 7310 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividend income | **339440** | 342886 | 336382 | 253232 | 213585 |
| **Interest expense** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing demand deposits | **29821** | 31351 | 30405 | 29377 | 27044 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | **36166** | 38249 | 36287 | 21134 | 18734 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | **9570** | 9577 | 8670 | 7359 | 7271 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | **24235** | 23554 | 21442 | 18558 | 16723 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense on deposits | **99792** | 102731 | 96804 | 76428 | 69772 |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal Home Loan Bank borrowings | **11378** | 17337 | 16683 | 13034 | 12114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other short-term borrowings | **730** | 766 | 816 | 1122 | 1291 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt and junior subordinated debt | **5243** | 5336 | 5310 | 4129 | 3902 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | **117143** | 126170 | 119613 | 94713 | 87079 |
| **Net interest income** | **222297** | 216716 | 216769 | 158519 | 126506 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | **3059** | 2082 | 3218 | 68883 | (147) |
| Net interest income after provision for credit losses | **219238** | 214634 | 213551 | 89636 | 126653 |
| **Non-interest income** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Trust fees | **9745** | 8987 | 9657 | 8697 | 7775 |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposits | **11159** | 11163 | 10484 | 8587 | 8138 |
| &nbsp;&nbsp;&nbsp;&nbsp;Digital banking income | **6422** | 7324 | 7325 | 5404 | 5125 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net swap fee and valuation income | **3959** | 3231 | 746 | 961 | 3230 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities brokerage revenue | **2836** | 2961 | 3348 | 2701 | 2430 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | **4458** | 3765 | 3450 | 3428 | 2512 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage banking income | **791** | 1898 | 2364 | 1140 | 1229 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities gains / (losses) | **1077** | 1210 | 1410 | (318) | 61 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net (losses) / gains on other real estate owned and other assets | **(824)** | 329 | 111 | (40) | 193 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | **3647** | 3996 | 5062 | 4105 | 5695 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | **43270** | 44864 | 43957 | 34665 | 36388 |
| **Non-interest expense** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and wages | **61664** | 60583 | 60153 | 48577 | 45638 |
| &nbsp;&nbsp;&nbsp;&nbsp;Employee benefits | **17148** | 18040 | 18857 | 12970 | 11856 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net occupancy | **8522** | 8819 | 8119 | 7778 | 5999 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment and software | **16110** | 16310 | 17140 | 13050 | 10681 |
| &nbsp;&nbsp;&nbsp;&nbsp;Marketing | **2636** | 2979 | 1864 | 2382 | 2531 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance | **5411** | 5820 | 5479 | 4187 | 3640 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of intangible assets | **7217** | 8425 | 9204 | 4223 | 2034 |
| &nbsp;&nbsp;&nbsp;&nbsp;Restructuring and merger-related expense | **3483** | 11383 | 41056 | 20010 | 646 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expenses | **25697** | 23829 | 24663 | 20789 | 18079 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense | **147888** | 156188 | 186535 | 133966 | 101104 |
| Income before provision for income taxes | **114620** | 103310 | 70973 | (9665) | 61937 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for income taxes | **23510** | 19737 | 13558 | (673) | 12308 |
| **Net Income** | **91110** | 83573 | 57415 | (8992) | 49629 |
| Preferred stock dividends | **12948** | 2531 | 2531 | 2531 | 2531 |
| **Net income available to common shareholders** | $**78162** | $81042 | $54884 | $(11523) | $47098 |
| *Taxable equivalent net interest income* | $***223590*** | $*217963* | $*217996* | $*159723* | $*127689* |
| **<u>Per common share data</u>** |  |  |  |  |  |
| Net income per common share - basic | $**0.81** | $0.84 | $0.57 | $(0.15) | $0.70 |
| Net income per common share - diluted | **0.81** | 0.84 | 0.57 | (0.15) | 0.70 |
| Net income per common share - diluted, excluding<br> certain items (1)(2) | **0.84** | 0.94 | 0.91 | 0.66 | 0.71 |
| Dividends declared | **0.38** | 0.37 | 0.37 | 0.37 | 0.37 |
| Book value (period end) | **39.64** | 39.02 | 38.28 | 38.02 | 39.54 |
| Tangible book value (period end) (1) | **22.01** | 21.29 | 20.48 | 20.06 | 22.83 |
| Average common shares outstanding - basic | **96053336** | 95995174 | 95744980 | 76830460 | 66895834 |
| Average common shares outstanding - diluted | **96226845** | 96116617 | 95808310 | 77020592 | 66992009 |
| Period end common shares outstanding | **96067559** | 96044222 | 95986023 | 95672204 | 66919805 |
| Period end preferred shares outstanding | **230000** | 380000 | 150000 | 150000 | 150000 |
| Full time equivalent employees | **3030** | 3064 | 3253 | 3205 | 2262 |
| *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* | *(1) See non-GAAP financial measures for additional information relating to the calculation of this item.* |
| *(2) 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.* | *(2) 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.* | *(2) 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.* | *(2) 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.* | *(2) 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.* | *(2) 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.* |

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# 10

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** | **WESBANCO, INC.** |
| **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** | **Consolidated Selected Financial Highlights** |
| *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* | *(unaudited, dollars in thousands)* |
|  | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** |  |
|  | ***Dec. 31,*** |  | ***Sept. 30,*** |  | ***June 30,*** |  | ***Mar. 31,*** |  | ***Dec. 31,*** |  |
| **<u>Asset quality data</u>** | ***2025*** |  | ***2025*** |  | ***2025*** |  | ***2025*** |  | ***2024*** |  |
| Non-performing assets: |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total non-performing loans | $**91584** |  | $94463 |  | $84319 |  | $81489 |  | $39752 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate and repossessed assets | **907** |  | 997 |  | 958 |  | 1854 |  | 852 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-performing assets | $**92491** |  | $95460 |  | $85277 |  | $83343 |  | $40604 |  |
| Past due loans (1): |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans past due 30-89 days | $**91199** |  | $80333 |  | $65401 |  | $69755 |  | $45926 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans past due 90 days or more | **37783** |  | 19430 |  | 20890 |  | 10734 |  | 13553 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total past due loans | $**128982** |  | $99763 |  | $86291 |  | $80489 |  | $59479 |  |
| Criticized and classified loans (2): |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Criticized loans | $**413068** |  | $433320 |  | $531415 |  | $470619 |  | $242000 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Classified loans | **191860** |  | 175648 |  | 151849 |  | 149452 |  | 112669 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total criticized and classified loans | $**604928** |  | $608968 |  | $683264 |  | $620071 |  | $354669 |  |
| Loans past due 30-89 days / total portfolio loans | **0.47** | **%** | 0.42 | **%** | 0.35 | % | 0.37 | % | 0.36 | % |
| Loans past due 90 days or more / total portfolio loans | **0.20** |  | 0.10 |  | 0.11 |  | 0.06 |  | 0.11 |  |
| Non-performing loans / total portfolio loans | **0.48** |  | 0.50 |  | 0.45 |  | 0.44 |  | 0.31 |  |
| Non-performing assets/total portfolio loans, other<br> real estate and repossessed assets | **0.48** |  | 0.50 |  | 0.45 |  | 0.45 |  | 0.32 |  |
| Non-performing assets / total assets | **0.33** |  | 0.35 |  | 0.31 |  | 0.30 |  | 0.22 |  |
| Criticized and classified loans / total portfolio loans | **3.15** |  | 3.22 |  | 3.63 |  | 3.32 |  | 2.80 |  |
| **<u>Allowance for credit losses</u>** |  |  |  |  |  |  |  |  |  |  |
| Allowance for credit losses - loans | $**218749** |  | $217666 |  | $223866 |  | $233617 |  | $138766 |  |
| Allowance for credit losses - loan commitments | **6950** |  | 7628 |  | 6168 |  | 6459 |  | 6120 |  |
| Provision for credit losses | **3059** |  | 2082 |  | 3218 |  | 68883 |  | (147) |  |
| Net loan and deposit account overdraft charge-offs and recoveries | **2666** |  | 8867 |  | 4329 |  | 2771 |  | 4066 |  |
| Annualized net loan charge-offs and recoveries / average loans | **0.06** | **%** | 0.19 | **%** | 0.09 | % | 0.08 | % | 0.13 | % |
| Allowance for credit losses - loans / total portfolio loans | **1.14** | **%** | 1.15 | **%** | 1.19 | % | 1.25 | % | 1.10 | % |
| Allowance for credit losses - loans / non-performing loans | **2.39** | **x** | 2.30 | **x** | 2.65 | x | 2.87 | x | 3.49 | x |
| Allowance for credit losses - loans / non-performing loans<br> and loans past due | **0.99** | **x** | 1.12 | **x** | 1.31 | x | 1.44 | x | 1.40 | x |
|  | ***Dec. 31,*** |  | ***Sept. 30,*** |  | ***June 30,*** |  | ***Mar. 31,*** |  | ***Dec. 31,*** |  |
|  | ***2025*** |  | ***2025*** |  | ***2025*** |  | ***2025*** |  | ***2024*** |  |
| **<u>Capital ratios</u>** |  |  |  |  |  |  |  |  |  |  |
| Tier I leverage capital | **9.42** | **%** | 9.72 | **%** | 8.66 | % | 11.01 | % | 10.68 | % |
| Tier I risk-based capital | **11.38** |  | 11.83 |  | 10.59 |  | 10.69 |  | 13.06 |  |
| Total risk-based capital | **13.88** |  | 14.58 |  | 13.40 |  | 13.59 |  | 15.88 |  |
| Common equity tier 1 capital ratio (CET 1) | **10.34** |  | 10.10 |  | 9.90 |  | 9.99 |  | 12.07 |  |
| Average shareholders' equity to average assets | **14.88** |  | 14.22 |  | 13.99 |  | 14.86 |  | 15.09 |  |
| Tangible equity to tangible assets (3) | **8.99** |  | 9.35 |  | 8.16 |  | 8.03 |  | 9.52 |  |
| Tangible common equity to tangible assets (3) | **8.13** |  | 7.92 |  | 7.60 |  | 7.47 |  | 8.70 |  |
| *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* | *(1) Excludes non-performing loans.* |  |
| *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans may include loans that are also reported as non-performing or past due.* |  |
| *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* | *(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.* |  |

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# 11

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> | <u>NON-GAAP FINANCIAL MEASURES</u> |
| The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. |
|  | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Year to Date*** | ***Year to Date*** |
|  | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2024*** | ***2025*** | ***2024*** |
| **Return on average assets, excluding certain items:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**78162** | $81042 | $54884 | $(11523) | $47098 | $**202564** | $141385 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax restructuring and merger-related expenses (1) | **2752** | 8993 | 32434 | 15808 | 510 | **59987** | 5056 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax day one provision for credit losses on acquired loans (1) | **-** | - | - | 46926 | - | **46926** | - |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders, excluding certain items | **80914** | 90035 | 87318 | 51211 | 47608 | **309477** | 146441 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total assets | $**27481963** | $27419726 | $27304700 | $21658352 | $18593265 | $**25967670** | $18122625 |
| Return on average assets, excluding certain items (annualized) (2) | **1.17%** | 1.30% | 1.28% | 0.96% | 1.02% | **1.19%** | 0.81% |
| **Return on average assets, excluding certain items:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**78162** | $81042 | $54884 | $(11523) | $47098 | $**202564** | $141385 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax restructuring and merger-related expenses (1) | **2752** | 8993 | 32434 | 15808 | 510 | **59987** | 5056 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax day one provision for credit losses on acquired loans (1) | **-** | - | - | 46926 | - | **46926** | - |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders, excluding certain items | **80914** | 90035 | 87318 | 51211 | 47608 | **309477** | 146441 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4088456** | 3898142 | 3819513 | 3218639 | 2806079 | **3742065** | 2653174 |
| Return on average equity, excluding certain items (annualized) (2) | **7.85%** | 9.16% | 9.17% | 6.45% | 6.75% | **8.27%** | 5.52% |
| **Return on average tangible equity:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**78162** | $81042 | $54884 | $(11523) | $47098 | $**202564** | $141385 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: amortization of intangibles (1) | **5701** | 6656 | 7271 | 3336 | 1607 | **22965** | 6518 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders before amortization of intangibles | **83863** | 87698 | 62155 | (8187) | 48705 | **225529** | 147903 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4088456** | 3898142 | 3819513 | 3218639 | 2806079 | **3742065** | 2653174 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangibles, net of def. tax liability | **(1700188)** | (1704105) | (1608358) | (1312855) | (1119060) | **(1583033)** | (1121472) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity | $**2388268** | $2194037 | $2211155 | $1905784 | $1687019 | $**2159032** | $1531702 |
| Return on average tangible equity (annualized) (2) | **13.93%** | 15.86% | 11.27% | -1.74% | 11.49% | **10.45%** | 9.66% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible common equity | $**2096528** | $2015329 | $2066671 | $1761300 | $1542535 | $**1968805** | $1387218 |
| Return on average tangible common equity (annualized) (2) | **15.87%** | 17.26% | 12.06% | -1.89% | 12.56% | **11.46%** | 10.66% |
| **Return on average tangible equity, excluding certain items:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**78162** | $81042 | $54884 | $(11523) | $47098 | $**202564** | $141385 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax restructuring and merger-related expenses (1) | **2752** | 8993 | 32434 | 15808 | 510 | **59987** | 5056 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: amortization of intangibles (1) | **5701** | 6656 | 7271 | 3336 | 1607 | **22965** | 6518 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax day one provision for credit losses on acquired loans (1) | **-** | - | - | 46926 | - | **46926** | - |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders before amortization of intangibles and<br> excluding certain items | **86615** | 96691 | 94589 | 54547 | 49215 | **332442** | 152959 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4088456** | 3898142 | 3819513 | 3218639 | 2806079 | **3742065** | 2653174 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangibles, net of def. tax liability | **(1700188)** | (1704105) | (1608358) | (1312855) | (1119060) | **(1583033)** | (1121472) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity | $**2388268** | $2194037 | $2211155 | $1905784 | $1687019 | $**2159032** | $1531702 |
| Return on average tangible equity, excluding certain items (annualized) (2) | **14.39%** | 17.48% | 17.16% | 11.61% | 11.61% | **15.40%** | 9.99% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible common equity | $**2096528** | $2015329 | $2066671 | $1761300 | $1542535 | $**1968805** | $1387218 |
| Return on average tangible common equity, excluding certain items (annualized) (2) | **16.39%** | 19.03% | 18.36% | 12.56% | 12.69% | **16.89%** | 11.03% |

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# 12

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Year to Date*** | ***Year to Date*** |
|  | ***Dec. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***Sept. 30,*** | ***June 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Mar. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2024*** | ***2024*** | ***2025*** | ***2024*** |
| **Efficiency ratio:** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest expense | **$** | **147888** | $| 156188 | $| 186535 | $| 133966 | $| 101104 | $**624575** | $401871 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: amortization of intangibles |  | **(7217)** |  | (8425) |  | (9204) |  | (4223) |  | (2034) | **(29070)** | (8251) |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: restructuring and merger-related expense |  | **(3483)** |  | (11383) |  | (41056) |  | (20010) |  | (646) | **(75933)** | (6400) |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest expense excluding restructuring and merger-related expense |  | **137188** |  | 136380 |  | 136275 |  | 109733 |  | 98424 | **519572** | 387220 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income on a fully taxable equivalent basis |  | **223590** |  | 217963 |  | 217996 |  | 159723 |  | 127689 | **819271** | 483016 |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest income, excluding net securities gains (losses) |  | **42193** |  | 43654 |  | 42547 |  | 34983 |  | 36327 | **163376** | 126575 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income on a fully taxable equivalent basis plus non-interest income | **$** | **265783** | $| 261617 | $| 260543 | $| 194706 | $| 164016 | $**982647** | $609591 |
| &nbsp;&nbsp;&nbsp;&nbsp;Efficiency Ratio |  | **51.62%** |  | 52.13% |  | 52.30% |  | 56.36% |  | 60.01% | **52.87%** | 63.52% |
| **Adjusted net income available to common shareholders, excluding certain items:** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | **$** | **78162** | $| 81042 | $| 54884 | $| (11523) | $| 47098 | $**202564** | $141385 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: After-tax restructuring and merger-related expenses (1) |  | **2752** |  | 8993 |  | 32434 |  | 15808 |  | 510 | **59987** | 5056 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: after-tax day one provision for credit losses on acquired loans (1) |  | **-** |  | - |  | - |  | 46926 |  | - | **46926** | - |
| Adjusted net income available to common shareholders, excluding certain items: | **$** | **80914** | $ | 90035 | $ | 87318 | $ | 51211 | $ | 47608 | $**309477** | $146441 |
| **Adjusted net income per common share - diluted, excluding certain items:** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income per common share - diluted | **$** | **0.81** | $| 0.84 | $| 0.57 | $| (0.15) | $| 0.70 | $**2.23** | $2.26 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: After-tax restructuring and merger-related expenses per common share - diluted (1) |  | **0.03** |  | 0.10 |  | 0.34 |  | 0.21 |  | 0.01 | **0.66** | 0.08 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: after-tax day one provision for credit losses on acquired loans (1) |  | **-** |  | - |  | - |  | 0.60 |  | - | **0.51** | - |
| Adjusted net income per common share - diluted, excluding certain items: | **$** | **0.84** | $ | 0.94 | $ | 0.91 | $ | 0.66 | $ | 0.71 | $**3.40** | $2.34 |
|  | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** |  |  |
|  | ***Dec. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***Sept. 30,*** | ***June 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Mar. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** |  |  |
|  | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2024*** | ***2024*** |  |  |
| **Tangible book value per share:** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | **$** | **4031913** | $| 4116527 | $| 3819220 | $| 3781579 | $| 2790281 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of def. tax liability |  | **(1693755)** |  | (1702916) |  | (1709001) |  | (1718048) |  | (1118293) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: preferred shareholders' equity |  | **(224187)** |  | (368867) |  | (144484) |  | (144484) |  | (144484) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity |  | **2113971** |  | 2044744 |  | 1965735 |  | 1919047 |  | 1527504 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Common shares outstanding |  | **96067559** |  | 96044222 |  | 95986023 |  | 95672204 |  | 66919805 |  |  |
| Tangible book value per share | **$** | **22.01** | $ | 21.29 | $ | 20.48 | $ | 20.06 | $ | 22.83 |  |  |
| **Tangible common equity to tangible assets:** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | **$** | **4031913** | $| 4116527 | $| 3819220 | $| 3781579 | $| 2790281 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of def. tax liability |  | **(1693755)** |  | (1702916) |  | (1709001) |  | (1718048) |  | (1118293) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible equity |  | **2338158** |  | 2413611 |  | 2110219 |  | 2063531 |  | 1671988 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: preferred shareholders' equity |  | **(224187)** |  | (368867) |  | (144484) |  | (144484) |  | (144484) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity |  | **2113971** |  | 2044744 |  | 1965735 |  | 1919047 |  | 1527504 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets |  | **27696333** |  | 27518042 |  | 27571576 |  | 27412383 |  | 18684298 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of def. tax liability |  | **(1693755)** |  | (1702916) |  | (1709001) |  | (1718048) |  | (1118293) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible assets | **$** | **26002578** | $| 25815126 | $| 25862575 | $| 25694335 | $| 17566005 |  |  |
| Tangible equity to tangible assets |  | **8.99%** |  | 9.35% |  | 8.16% |  | 8.03% |  | 9.52% |  |  |
| Tangible common equity to tangible assets |  | **8.13%** |  | 7.92% |  | 7.60% |  | 7.47% |  | 8.70% |  |  |
| *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* | *(1) Tax effected at 21% for all periods presented.* |  |  |
| *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.* |  |  |

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# 13

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> | <u>ADDITIONAL NON-GAAP FINANCIAL MEASURES</u> |
| The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. | The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco's operating performance and trends, and facilitate comparisons with the performance of WesBanco's peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco's financial statements. |
|  | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Year to Date*** | ***Year to Date*** |
|  | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2024*** | ***2025*** | ***2024*** |
| **Pre-tax, pre-provision income:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**114620** | $103310 | $70973 | $(9665) | $61937 | $**279238** | $185114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **3059** | 2082 | 3218 | 68883 | (147) | **77242** | 19206 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income | $**117679** | $105392 | $74191 | $59218 | $61790 | $**356480** | $204320 |
| **Pre-tax, pre-provision income, excluding restructuring and merger-related expenses:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**114620** | $103310 | $70973 | $(9665) | $61937 | $**279238** | $185114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **3059** | 2082 | 3218 | 68883 | (147) | **77242** | 19206 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3483** | 11383 | 41056 | 20010 | 646 | **75933** | 6400 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income, excluding restructuring and merger-related expenses | $**121162** | $116775 | $115247 | $79228 | $62436 | $**432413** | $210720 |
| **Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**114620** | $103310 | $70973 | $(9665) | $61937 | $**279238** | $185114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **3059** | 2082 | 3218 | 68883 | (147) | **77242** | 19206 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3483** | 11383 | 41056 | 20010 | 646 | **75933** | 6400 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income, excluding restructuring and merger-related expenses | **121162** | 116775 | 115247 | 79228 | 62436 | **432413** | 210720 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total assets | $**27481963** | $27419726 | $27304700 | $21658352 | $18593265 | $**25967670** | $18122625 |
| Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses (annualized) (2) | **1.75%** | 1.69% | 1.69% | 1.48% | 1.34% | **1.67%** | 1.16% |
| **Pre-tax pre-provision return on average equity, excluding restructuring and merger-related expenses:** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**114620** | $103310 | $70973 | $(9665) | $61937 | $**279238** | $185114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **3059** | 2082 | 3218 | 68883 | (147) | **77242** | 19206 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3483** | 11383 | 41056 | 20010 | 646 | **75933** | 6400 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income, excluding restructuring and merger-related expenses | **121162** | 116775 | 115247 | 79228 | 62436 | **432413** | 210720 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | $**4088456** | $3898142 | $3819513 | $3218639 | $2806079 | $**3742065** | $2653174 |
| Pre-tax, pre-provision return on average equity, excluding restructuring and merger-related expenses (annualized) (2) | **11.76%** | 11.88% | 12.10% | 9.98% | 8.85% | **11.56%** | 7.94% |
| **Pre-tax, pre-provision return on average tangible equity, excluding certain items (1):** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**114620** | $103310 | $70973 | $(9665) | $61937 | $**279238** | $185114 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **3059** | 2082 | 3218 | 68883 | (147) | **77242** | 19206 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: amortization of intangibles | **7217** | 8425 | 9204 | 4223 | 2034 | **29070** | 8251 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3483** | 11383 | 41056 | 20010 | 646 | **75933** | 6400 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income before restructuring and merger-related expenses and amortization of intangibles | **128379** | 125200 | 124451 | 83451 | 64470 | **461483** | 218971 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4088456** | 3898142 | 3819513 | 3218639 | 2806079 | **3742065** | 2653174 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangibles, net of def. tax liability | **(1700188)** | (1704105) | (1608358) | (1312855) | (1119060) | **(1583033)** | (1121472) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity | $**2388268** | $2194037 | $2211155 | $1905784 | $1687019 | $**2159032** | $1531702 |
| Pre-tax, pre-provision return on average tangible equity, excluding certain items (annualized) (1) (2) | **21.33%** | 22.64% | 22.58% | 17.76% | 15.20% | **21.37%** | 14.30% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible common equity | $**2096528** | $2015329 | $2066671 | $1761300 | $1542535 | $**1968805** | $1387218 |
| Pre-tax, pre-provision return on average tangible common equity, excluding certain items (annualized) (1) (2) | **24.29%** | 24.65% | 24.15% | 19.22% | 16.63% | **23.44%** | 15.78% |
| *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* | *(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.* |
| *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* | *(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.* |

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## Exhibit 99.2

![Slide 1](wsbc-ex99_2s1.jpg)

Fourth Quarter 2025Earnings Call Presentation 27 January 2026 Note: update footnote copyright year annually

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![Slide 2](wsbc-ex99_2s2.jpg)

Forward-Looking Statements and Non-GAAP Financial Measures Forward-looking statements in this report relating to WesBanco's plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco's Form 10-K for the year ended December 31, 2024 and documents subsequently filed by WesBanco with the Securities and Exchange Commission ("SEC") including WesBanco's Form 10-Q for the quarters ended March 31, June 30 and September 30, 2025, which are available at the SEC's website, www.sec.gov or at WesBanco's website, www.WesBanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco's most recent Annual Report on Form 10-K filed with the SEC under "Risk Factors" in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, the expected cost savings and any revenue synergies from the merger of WesBanco and Premier may not be fully realized within the expected timeframes; disruption from the merger of WesBanco and Premier may make it more difficult to maintain relationships with clients, associates, or suppliers; the effects of changing regional and national economic conditions, changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; cyber-security breaches; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco's operational and financial performance. WesBanco does not assume any duty to update forward-looking statements. While forward-looking statements reflect our good-faith beliefs, they are not guarantees of future performance. All forward-looking statements are necessarily only estimates of future results. Accordingly, actual results may differ materially from those expressed in or contemplated by the particular forward-looking statement, and, therefore, you are cautioned not to place undue reliance on such statements. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law. Statements in this presentation with respect to the benefits of the merger between WesBanco and Premier, the parties' plans, obligations, expectations, and intentions, and the statements with respect to accretion, earn back of tangible book value, tangible book value dilution and internal rate of return, constitute forward-looking statements as defined by federal securities laws. Such statements are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors including: the expected cost savings and any revenue synergies from the merger may not be fully realized within the expected time frames; disruption from the merger may make it more difficult to maintain relationships with clients, associates, or suppliers; changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of other business strategies; the nature, extent, and timing of governmental actions and reforms; extended disruption of vital infrastructure; and other factors described in WesBanco's 2024 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the Securities and Exchange Commission. In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), WesBanco's management uses, and this presentation contains or references, certain non-GAAP financial measures, such as pre-tax pre-provision income, tangible common equity/tangible assets; net income excluding after-tax restructuring and merger-related expenses and excluding after-tax day one provision for credit losses on acquired loans; efficiency ratio; return on average assets; and return on average tangible equity. WesBanco believes these financial measures provide information useful to investors in understanding our operational performance and business and performance trends which facilitate comparisons with the performance of others in the financial services industry. Although WesBanco believes that these non-GAAP financial measures enhance investors' understanding of WesBanco's business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the Quarterly Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings that the company has made with the SEC.

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![Slide 3](wsbc-ex99_2s3.jpg)

Full year diluted EPS(1) of $3.40, increased 45% compared to the prior year Net interest margin of 3.61% increased 58 basis points year-over-year reflecting higher earning asset yields and lower funding costs Total organic loan growth was 5.2% YoY and 6.2% QoQ annualized Commercial real estate payoffs increased to roughly $415 million during Q4 2025, an approximate 4% headwind to loan growth Deposit growth fully funded loan growth both year-over-year and sequentially Efficiency ratio of 51.6% improved 8 percentage points year-over-year due to expense synergies generated from the PFC acquisition and driving positive operating leverage Successfully closed 27 locations on January 23rd, as previously announced Net Income Available to Common Shareholders and Diluted EPS(1) $80.9 million; $0.84/share Net Interest Margin +58bp YoY Total Loan Growth +51.9% YoY; +6.2% QoQ (annualized) Total Deposit Growth +53.3% YoY; +7.2% QoQ (annualized) Non-Performing Assets to Total Assets 0.33% CET1 Capital Ratio 10.34% 2025 was another year of disciplined growth and strong execution Note: financial and operational highlights during the quarter ended December 31, 2025; EPS = earnings per share; PFC = Premier Financial Corp.; YoY = year-over-year; QoQ = quarter-over-quarter; bp = basis points; CET1 = common equity tier 1 Non-GAAP measure – please see reconciliation in appendix Q4 2025 Financial and Operational Highlights

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![Slide 4](wsbc-ex99_2s4.jpg)

Key metrics Note: PTPP = pre-tax, pre-provision Non-GAAP measure – please see reconciliation in appendix Excludes restructuring and merger-related expenses and/or day 1 provision for credit losses on acquired loans Q4 2025 Financial and Operational Highlights

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![Slide 5](wsbc-ex99_2s5.jpg)

Reflecting $5.9 billion of loans from PFC and organic growth, total loans increased 51.9% YoY to $19.2 billion Total organic loan growth was +5.2% YoY and +1.6% (or +6.2% annualized) QoQ, reflecting the strength of WesBanco's organic growth-oriented business model CRE loan payoffs totaled approximately $905 million for 2025, as compared to approximately $347 million(1) last year The increase in payoffs negatively impacted YoY and annualized QoQ loan growth by approximately 4% PFC and loan production offices are contributing meaningfully to the commercial loan pipeline, which totaled more than $1.2 billion, as of 12/31/2025 C&I line utilization was approximately 37% for Q4 2025, as compared to a mid-40% range prior to the pandemic Total organic loan growth of 5.2% YoY and 6.2% QoQ annualized Q4 2025 Total Portfolio Loans Note: commercial payoffs and new originations and associated yields (in charts above) (1) WesBanco-only and does not include PFC

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![Slide 6](wsbc-ex99_2s6.jpg)

Deposit growth fully funded loan growth both YoY and QoQ Note: "uninsured deposits" are approximated; "collateralized municipal deposits" are collateralized by securities Deposit growth fully funded loan growth both year-over-year and sequentially Reflecting $6.9 billion of deposits from PFC and organic growth of 4.7%, total deposits increased 53.3% YoY to $21.7 billion On a sequential quarter basis, total deposits increased $385 million, or 7.2% annualized, due to the efforts of our consumer and business teams more than offsetting the intentional runoff of $55 million of higher cost certificates of deposit Distribution: consumer ~52% and business ~32% (note: public funds, which are separately collateralized, ~16%) Average loans to average deposits were 88.8%, providing continued capacity to fund loan growth Q4 2025 Total Deposits

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![Slide 7](wsbc-ex99_2s7.jpg)

Tangible common equity to tangible assets ratio(1) of 8.13%, which reflects the impact of the successful closing of the PFC acquisition Weighted average yield 3.23% vs. 2.63% last year Weighted average duration 4.3 Total unrealized securities losses (after-tax): Available for Sale ("AFS") = $142MM Held to Maturity ("HTM")(2) = $74MM Securities represent 16% of total assets Note: securities chart excludes allowance for credit losses for HTM securities; weighted average yields have been calculated on a taxable-equivalent basis using the federal statutory rate of 21%; after-tax unrealized losses have been calculated using the Other Comprehensive Income ("OCI") tax rate of ~23% Non-GAAP measure – please see reconciliation in appendix HTM losses not recognized in accumulated other comprehensive income Q4 2025 Total Securities

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![Slide 8](wsbc-ex99_2s8.jpg)

NIM benefiting from loan growth and management of funding costs Q4 2025 NIM of 3.61% improved 58 basis points YoY, through a combination of higher loan and securities yields and lower funding costs NIM increased 8 basis points on a sequential quarter basis due primarily to lower Federal Home Loan Bank borrowings and associated costs Deposit funding costs, including non-interest bearing deposits, were 184 basis points and decreased 13 basis points YoY and 8 basis points QoQ Average FHLB borrowings of $1.0 billion decreased $452 million quarter-over-quarter as advances were paid-off with excess deposits Of the $1.2 billion of borrowings at 12/31/2025, approximately 96% have 2026 maturities, with an average rate of 3.94% Q4 2025 Net Interest Margin (NIM)

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![Slide 9](wsbc-ex99_2s9.jpg)

Non-interest income increased 18.9% YoY due primarily to the acquisition of PFC which drove higher service charges on deposits, trust fees, digital banking income, and bank-owned life insurance Service charges on deposits reflect the addition of PFC, fee income from new products and services and treasury management, and increased general consumer spending Reflecting record asset levels, trust fees and securities brokerage revenue increased due to the addition of PFC wealth clients, market value appreciation, and organic growth Mortgage banking income decreased due to negative fair value adjustments Gross swap fees were $3.4 million, compared to $1.3 million in the prior year Fair market valuation was $0.5 million, as compared to $1.9 million last year Fee income increased $6.9 million, or 18.9%, year-over-year Note: OREO = other real estate owned; AUM = assets under management; securities account values include annuities Q4 2025 Non-Interest Income

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![Slide 10](wsbc-ex99_2s10.jpg)

Expenses declined $0.4 million sequentially due to cost control Q4 2025 Non-Interest Expense Non-interest expense, excluding merger and restructuring charges, decreased sequentially from discretionary cost control Marketing expense decreased quarter-over-quarter as Q3 2025 was higher in support of our deposit campaign Non-interest expense, excluding merger and restructuring charges, increased 43.7% YoY due to the addition of the PFC expense base associated with approximately 900 employees and 70 financial centers Salaries and wages and employee benefits expense increased due to higher staffing levels and higher health insurance costs FDIC insurance expense increased due to our larger asset size Amortization of intangible assets increased due to the core deposit intangible asset that was created from the acquisition of PFC

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![Slide 11](wsbc-ex99_2s11.jpg)

Favorable asset quality measures compared to peer bank group Note: financial data as of quarter ending for dates specified; peer bank group includes all U.S. banks with total assets of $20B to $50B (excluding FINN) from S&P Capital IQ (as of 1/21/2026) and represent simple averages except criticized & classified loans as % of total loans and allowance for credit losses as % of total loans which are weighted averages Non-Performing Assets as % of Total Assets Net Charge-Offs as % of Average Loans (Annualized) Allowance for Credit Losses as % of Total Loans Criticized & Classified Loans as % of Total Loans Strong Legacy of Credit Quality

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![Slide 12](wsbc-ex99_2s12.jpg)

Allowance coverage ratio of 1.14% Note: ACL at 12/31/2025 excludes off-balance sheet credit exposures of $7.0 million The allowance for credit losses on loans was $218.7 million at 12/31/2025, which provided a coverage ratio of 1.14% Excluded from the allowance for credit losses and related coverage ratio are fair market value adjustments on previously acquired loans representing 1.57% of total loans Q4 2025 Current Expected Credit Loss (CECL)

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![Slide 13](wsbc-ex99_2s13.jpg)

Capital ratios above both regulatory and well-capitalized levels Note: financial data as of quarter ending 12/31; current year data as of 12/31/2025 and reflects successful acquisition of PFC; WSBC adopted Current Expected Credit Losses ("CECL") accounting standard on 1/1/2020; in conjunction with the PFC acquisition, WSBC raised $200MM of common equity on 8/1/2024 to support future growth and issued $1B of common equity on the 2/28/2025 closing; on 9/10/2025, raised $230MM of Series B preferred stock to primarily redeem the Series A preferred stock and $50MM of acquired PFC sub-debt Under the existing share repurchase authorization that was approved on February 24, 2022 by WesBanco's Board of Directors Non-GAAP measure – please see reconciliation in appendix Tangible Equity to Tangible Assets(2) Tier 1 Risk-Based Capital Ratio 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 ~0.9 million shares continue to remain for repurchase (as of 12/31/2025)(1) No shares repurchased on the open market during Q4 2025 Strong Capital Position

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![Slide 14](wsbc-ex99_2s14.jpg)

Appendix

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![Slide 15](wsbc-ex99_2s15.jpg)

Pre-Tax, Pre-Provision Income (PTPP) and Ratios Reconciliation

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![Slide 16](wsbc-ex99_2s16.jpg)

Net Income and Diluted Earnings per Share (EPS) Reconciliation

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![Slide 17](wsbc-ex99_2s17.jpg)

Tangible Book Value per Share Reconciliation

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![Slide 18](wsbc-ex99_2s18.jpg)

Efficiency Ratio Reconciliation

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![Slide 19](wsbc-ex99_2s19.jpg)

Return on Average Assets (1) three-, six-, and nine-month (as applicable) figures are annualized Reconciliation

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![Slide 20](wsbc-ex99_2s20.jpg)

Return on Average Tangible Equity (1) three-, six-, and nine-month (as applicable) figures are annualized Reconciliation

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![Slide 21](wsbc-ex99_2s21.jpg)

Tangible Common Equity to Tangible Assets Note: Premier Financial Corporation merger closed February 2025; Old Line Bancshares merger closed November 2019; Farmers Capital Bank Corporation merger closed August 2018; First Sentry Bancshares merger closed April 2018; Your Community Bankshares merger closed September 2016; ESB Financial merger closed February 2015 Reconciliation

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![Slide 22](wsbc-ex99_2s22.jpg)

Tangible Equity to Tangible Assets Reconciliation Note: Premier Financial Corporation merger closed February 2025; Old Line Bancshares merger closed November 2019; Farmers Capital Bank Corporation merger closed August 2018; First Sentry Bancshares merger closed April 2018; Your Community Bankshares merger closed September 2016; ESB Financial merger closed February 2015