# EDGAR Filing Document

**Accession Number:** 0000203596
**File Stem:** 0001193125-26-166971
**Filing Date:** 2026-4
**Character Count:** 112220
**Document Hash:** a05a6f791202a454eb87174852843233
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-166971.hdr.sgml**: 20260421

**ACCESSION NUMBER**: 0001193125-26-166971

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20260421

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

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260421

**DATE AS OF CHANGE**: 20260421

**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:** 26879956

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

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

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

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

------

## FORM 8-K

------

**CURRENT REPORT**

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

&nbsp;&nbsp;&nbsp;&nbsp;**Date of Report (Date of earliest event reported):** April 21, 2026<br>

------

WESBANCO, INC.

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

------

---

| | | |
|:---|:---|:---|
| West Virginia | 001-39442 | 55-0571723 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission 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**

------

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:**

---

| | | |
|:---|:---|:---|
| **<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 |

---

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. ☐

------

## 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 months ended March 31, 2026. 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 first quarter of 2026 on Wednesday, April 22, 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 4494073. The replay will begin at approximately 11:00 a.m. ET on April 22, 2026, and end at 12 a.m. ET on May 6, 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 April 21, 2026 announcing the earnings for the three months ended March 31, 2026.</u>](wsbc-ex99_1.htm)

99.2 - [<u>First quarter 2026 earnings conference call presentation.</u>](wsbc-ex99_2.htm)

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

------

**SIGNATURE**

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

---

| | | |
|:---|:---|:---|
|  |  | <u>Wesbanco, Inc.</u><br>(registrant) |
| Date: | April 21, 2026 | ***/s/ Daniel K. Weiss, Jr.*** |
|  |  | Daniel K. Weiss, Jr.<br>Senior Executive Vice President and<br>Chief Financial Officer<br>|

---

------

## Exhibit 99.1

# ![img235408680_0.gif](img235408680_0.gif)
**WesBanco Announces First Quarter 2026 Financial Results**

*Improved net interest margin 22 basis points year-over-year; advanced organic growth with expansion into South Florida*

Wheeling, WVa. (April 21, 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 March 31, 2026. Net income available to common shareholders for the first quarter of 2026 was $84.4 million, with diluted earnings per share of $0.88, compared to a loss of $11.5 million and $(0.15) per diluted share, respectively, for the first quarter of 2025. The first quarter of 2025 includes 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.

As noted below, WesBanco reported $0.91 of earnings per diluted share, in the first quarter, as compared to $0.66 in the prior year period, when excluding after-tax restructuring and merger-related expenses and after-tax day one provision for credit losses on acquired loans (non-GAAP measures).

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | ***For the Three Months Ended March 31,*** | ***For the Three Months Ended March 31,*** | ***For the Three Months Ended March 31,*** | ***For the Three Months Ended March 31,*** |
|  | ***2026*** | ***2026*** | ***2025*** | ***2025*** |
| ***(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 income (loss) available to common shareholders (GAAP) | $84395 | $0.88 | $(11523) | $(0.15) |
| Add: After-tax restructuring and merger-related expenses(1) | 2933 | 0.03 | 15808 | 0.21 |
| Add: After-tax day one provision for credit losses on acquired loans | - | - | 46926 | 0.60 |
| Adjusted net income available to common shareholders (Non-GAAP) (1) | $87328 | $0.91 | $51211 | $0.66 |
| *(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 for the quarter ended March 31, 2026:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Achieved or exceeded year one financial targets outlined in the PFC acquisition model, including a 1.3% return on average assets, 10.7% CET1 ratio, and tangible book value per share of $22.45 (non-GAAP measures)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Advanced organic growth model with commercial banking expansion into high-growth South Florida markets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Increased net interest margin 22 basis points year-over-year to 3.57%, driven by lower funding costs and higher earning asset yields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Improved efficiency ratio nearly 4 percentage points year-over-year to 52.5%, primarily due to expense synergies from the PFC acquisition and the focus on positive operating leverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Executed next phase of financial center optimization with planned closure of 10 financial centers in May 2026

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Built record commercial loan pipeline totaling $1.6 billion as of March 31, 2026

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Increased total deposits 1.8% year-over-year on an organic basis to $21.7 billion; flat compared to the fourth quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Increased total loans 2.2% year-over-year as organic growth more than offset higher commercial real estate ("CRE") payoffs of $340 million

oCRE payoffs impacted year-over-year loan growth by 1.4%

"Our first quarter results demonstrate sound fundamentals and the benefits of our disciplined approach to growth and expense management," said Jeff Jackson, President and Chief Executive Officer, WesBanco. "We continued to drive organic loan and deposit growth, improved our net interest margin and efficiency ratio year-over-year, and exceeded our year one financial targets for the Premier acquisition – underscoring the strength of our operating model and our ability to deliver on strategic commitments. During the quarter, we took additional steps to position the Company for long-term success – expanding our commercial banking presence to high-growth South Florida markets and further optimizing our financial center network to align with customer behavior and drive operating efficiency. We remain focused on disciplined investment and execution to deliver consistent, sustainable value for our shareholders."

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

WesBanco's balance sheet, as of March 31, 2026, reflects organic growth and the impact of elevated CRE payoffs. Total assets increased 0.3% year-over-year to $27.5 billion, including total portfolio loans of $19.1 billion and total securities of $4.4 billion. Total portfolio loans increased 2.2% year-over-year due to organic growth of $667 million offset by higher CRE payoffs of $258 million. As anticipated, CRE payoffs continued to remain elevated and totaled approximately $340 million during the first quarter of 2026, consistent with the elevated quarterly levels incurred during the second half of 2025. The

------

commercial loan pipeline has grown 35% since year-end to a record $1.6 billion, as of March 31, 2026, and does not yet include the benefit of the South Florida expansion.

Deposits of $21.7 billion increased 1.8% year-over-year due to organic growth that more than offset the decline in higher cost certificates of deposit. On a sequential quarter basis, total deposits were essentially flat. Total demand deposits represented 50% of total deposits, with the non-interest bearing component representing 24%.

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

As of March 31, 2026, credit quality measures have remained low, from a historical perspective, and favorable to all banks with assets between $20 and $50 billion for at least the last 5 quarters. Criticized and classified loans as a percent of total portfolio loans decreased $49 million, or 24 basis points, from the sequential quarter to 2.91%. Non-performing loans increased $53 million sequentially primarily due to three CRE loans across different markets and property types, none of which were office. Net charge-offs for the first quarter were 0.16% of total loans.

The allowance for credit losses to total portfolio loans at March 31, 2026 was 1.10% of total loans, or $210.0 million. The first quarter provision for credit losses was negative primarily due to lower loan balances and higher prepayment speeds. Excluded from the allowance for credit losses and the related coverage ratio is a remaining unaccreted discount on purchased loans from acquisitions representing 1.51% of total portfolio loans.

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

The first quarter margin of 3.57% improved 22 basis points year-over-year through a combination of lower funding costs and higher securities yields but declined 4 basis points sequentially. This decrease resulted from lower net loan growth, as well as modestly higher seasonal deposit contraction in the first two months of the quarter which fully recovered by March 31, 2026. Deposit funding costs of 235 basis points for the first quarter of 2026 decreased 20 basis points from the prior year period. When including non-interest bearing deposits, deposit funding costs for the first quarter were 177 basis points.

Net interest income for the first quarter of 2026 was $215.4 million, an increase of $56.9 million, or 35.9% year-over-year, reflecting the impact of the benefits from the PFC acquisition, loan growth, higher securities yields, and lower deposit and FHLB borrowing costs.

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

For the first quarter of 2026, non-interest income of $41.8 million increased $7.2 million, or 20.7%, from the first quarter of 2025 due primarily to the acquisition of PFC on February 28 of last year. Service charges on deposits increased $2.4 million and digital banking fees increased $1.2 million year-over-year due to increased general spending and higher transaction volumes from our larger customer base, as well as organic growth from our treasury management products and services. Reflecting record asset levels, trust fees and net securities brokerage revenue increased $1.7 million and $0.8 million, respectively, due to the addition of PFC wealth clients, market value appreciation, and organic growth. Gross swap fees were $1.2 million in the first quarter, compared to $2.0 million in the prior year period, while fair value adjustments were losses of $0.1 million and $1.0 million, respectively.

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

Non-interest expense, excluding restructuring and merger-related costs, for the three months ended March 31, 2026 was $143.0 million, a $29.0 million, or 25.5%, increase year-over-year primarily due to the addition of the PFC expense base, which was only in the WesBanco expense base for one month in the prior year period, but were down as compared to the fourth quarter, reflecting expense management. Salaries and wages of $64.0 million and employee benefits expense of $17.6 million increased due to a full quarter of salaries as compared to the prior year. Amortization of intangible assets of $7.2 million increased $2.9 million year-over-year due to the core deposit intangible asset that was created from the acquisition of PFC. Equipment and software of $15.7 million, consistent with the last several quarters, increased $2.6 million due to the acquisition of PFC. Restructuring and merger-related expenses of $3.7 million are primarily related to costs associated with the 10 financial centers that are planned to close during May.

**<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 March 31, 2026, Tier I leverage was 9.63%, Tier I risk-based capital ratio was 11.72%, common equity Tier 1 capital ratio ("CET 1") was 10.67%, and total risk-based capital was 14.19%. In addition, the tangible common equity to tangible assets ratio was 8.37%.

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

WesBanco will host a conference call to discuss the Company's financial results for the first quarter of 2026 at 9:00 a.m. ET on Wednesday, April 22, 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 4494073. The replay will begin at approximately 11:00 a.m. ET on April 22, 2026, and end at 12 a.m. ET on May 6, 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, 2025 and documents subsequently filed by WesBanco with the Securities and Exchange Commission ("SEC"), 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, 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: 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 2025 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the SEC.

**<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 ten-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 $27.5 billion in total assets, with our Trust and Investment Services holding $7.8 billion of assets under management and securities account values (including annuities) of $2.6 billion through our broker/dealer, as of March 31, 2026. 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

###

------

---

| | | | |
|:---|:---|:---|:---|
| **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, 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*** |
| **<u>STATEMENT OF INCOME</u>** | ***March 31,*** | ***March 31,*** | ***March 31,*** |
|  | ***2026*** | ***2025*** | ***% Change*** |
| **Interest and dividend income** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including fees | $**280989** | $218409 | 28.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest and dividends on securities: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable | **31443** | 22247 | 41.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt | **4824** | 4529 | 6.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividends on securities | **36267** | 26776 | 35.4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other interest income | **8368** | 8047 | 4.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total interest and dividend income | **325624** | 253232 | 28.6 |
| **Interest expense** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing demand deposits | **29368** | 29377 | (0.0) |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | **32151** | 21134 | 52.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | **10119** | 7359 | 37.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | **22591** | 18558 | 21.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense on deposits | **94229** | 76428 | 23.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal Home Loan Bank borrowings | **11316** | 13034 | (13.2) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other short-term borrowings | **598** | 1122 | (46.7) |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt and junior subordinated debt | **4080** | 4129 | (1.2) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | **110223** | 94713 | 16.4 |
| **Net interest income** | **215401** | 158519 | 35.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | **(897)** | 68883 | (101.3) |
| Net interest income after provision for credit losses | **216298** | 89636 | 141.3 |
| **Non-interest income** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Trust fees | **10442** | 8697 | 20.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposits | **10961** | 8587 | 27.6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Digital banking income | **6599** | 5404 | 22.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net swap fee and valuation income | **1062** | 961 | 10.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities brokerage revenue | **3472** | 2701 | 28.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | **3811** | 3428 | 11.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage banking income | **919** | 1140 | (19.4) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities losses | **(13)** | (318) | 95.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net gains / (losses) on other real estate owned and other assets | **546** | (40) | NM |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | **4032** | 4105 | (1.8) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | **41831** | 34665 | 20.7 |
| **Non-interest expense** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and wages | **63964** | 48577 | 31.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Employee benefits | **17611** | 12970 | 35.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net occupancy | **8529** | 7778 | 9.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment and software | **15678** | 13050 | 20.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Marketing | **1526** | 2382 | (35.9) |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance | **4784** | 4187 | 14.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of intangible assets | **7160** | 4223 | 69.5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Restructuring and merger-related expense | **3713** | 20010 | (81.4) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expenses | **23740** | 20789 | 14.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense | **146705** | 133966 | 9.5 |
| Income / (loss) before provision for income taxes | **111424** | (9665) | NM |
| &nbsp;&nbsp;&nbsp;&nbsp; Provision / (benefit) for income taxes | **22789** | (673) | NM |
| **Net Income / (loss)** | **88635** | (8992) | NM |
| Preferred stock dividends | **4240** | 2531 | 67.5 |
| **Net income /(loss) available to common shareholders** | $**84395** | $(11523) | 832.4 |
| *Taxable equivalent net interest income* | $***216683*** | $*159723* | 35.7 |
| **<u>Per common share data</u>** |  |  |  |
| Net income /(loss) per common share - basic | $**0.88** | $(0.15) | 686.7 |
| Net income /(loss) per common share - diluted | **0.88** | (0.15) | 686.7 |
| Adjusted net income per common share - diluted, excluding certain items (1)(2) | **0.91** | 0.66 | 37.9 |
| Dividends declared | **0.38** | 0.37 | 2.7 |
| Book value (period end) | **40.01** | 38.02 | 5.2 |
| Tangible book value (period end) (1) | **22.45** | 20.06 | 11.9 |
| Average common shares outstanding - basic | **96103497** | 76830460 | 25.1 |
| Average common shares outstanding - diluted | **96309352** | 77020592 | 25.0 |
| Period end common shares outstanding | **96134158** | 95672204 | 0.5 |
| Period end preferred shares outstanding | **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.* |
| *NM - Not Meaningful* | *NM - Not Meaningful* | *NM - Not Meaningful* | *NM - Not Meaningful* |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **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 Three Months Ended*** | ***For the Three Months Ended*** | ***For the Three Months Ended*** |
|  | ***March 31,*** | ***March 31,*** | ***March 31,*** |
|  | ***2026*** | ***2025*** | ***% Change*** |
| Return on average assets | **1.24%** | (0.22)% | 663.64% |
| Return on average assets, excluding certain items (1) | **1.29** | 0.96 | 34.38 |
| Return on average equity | **8.38** | (1.45) | 677.93 |
| Return on average equity, excluding certain items (1) | **8.67** | 6.45 | 34.42 |
| Return on average tangible equity (1) | **15.25** | (1.74) | 976.44 |
| Return on average tangible equity, excluding certain items (1) | **15.74** | 11.61 | 35.57 |
| Return on average tangible common equity (1) | **16.82** | (1.89) | 989.95 |
| Return on average tangible common equity, excluding certain items (1) | **17.37** | 12.56 | 38.30 |
| Yield on earning assets (2) | **5.38** | 5.33 | 0.94 |
| Cost of interest bearing liabilities | **2.50** | 2.78 | (10.07) |
| Net interest spread (2) | **2.88** | 2.55 | 12.94 |
| Net interest margin (2) | **3.57** | 3.35 | 6.57 |
| Efficiency (1) (2) | **52.54** | 56.36 | (6.78) |
| Average loans to average deposits | **89.05** | 89.32 | (0.30) |
| Annualized net loan charge-offs/average loans | **0.16** | 0.08 | 100.00 |
| Effective income tax rate | **20.45** | (6.96) | 393.82 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | ***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*** |
|  | ***Mar. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** |
|  | ***2026*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** |
| Return on average assets | **1.24%** | 1.13% | 1.17% | 0.81% | (0.22)% |
| Return on average assets, excluding certain items (1) | **1.29** | 1.17 | 1.30 | 1.28 | 0.96 |
| Return on average equity | **8.38** | 7.58 | 8.25 | 5.76 | (1.45) |
| Return on average equity, excluding certain items (1) | **8.67** | 7.85 | 9.16 | 9.17 | 6.45 |
| Return on average tangible equity (1) | **15.25** | 13.93 | 15.86 | 11.27 | (1.74) |
| Return on average tangible equity, excluding certain items (1) | **15.74** | 14.39 | 17.48 | 17.16 | 11.61 |
| Return on average tangible common equity (1) | **16.82** | 15.87 | 17.26 | 12.06 | (1.89) |
| Return on average tangible common equity, excluding certain items (1) | **17.37** | 16.39 | 19.03 | 18.36 | 12.56 |
| Yield on earning assets (2) | **5.38** | 5.51 | 5.58 | 5.56 | 5.33 |
| Cost of interest bearing liabilities | **2.50** | 2.62 | 2.79 | 2.69 | 2.78 |
| Net interest spread (2) | **2.88** | 2.88 | 2.79 | 2.87 | 2.55 |
| Net interest margin (2) | **3.57** | 3.61 | 3.53 | 3.59 | 3.35 |
| Efficiency (1) (2) | **52.54** | 51.62 | 52.13 | 52.30 | 56.36 |
| Average loans to average deposits | **89.05** | 88.78 | 89.41 | 89.47 | 89.32 |
| Annualized net loan charge-offs and recoveries /average loans | **0.16** | 0.06 | 0.19 | 0.09 | 0.08 |
| Effective income tax rate | **20.45** | 20.51 | 19.10 | 19.10 | (6.96) |
| Trust and Investment Services assets under management (3) | $**7810** | $7886 | $7688 | $7205 | $6951 |
| Broker-dealer securities account values (including annuities) (3) | $**2574** | $2481 | $2588 | $2554 | $2359 |
| *(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.* |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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*** |
|  | ***March 31,*** | ***March 31,*** |  | ***December 31,*** | ***March 31, 2026*** |
| **<u>Balance sheets</u>** | ***2026*** | ***2025*** | **% Change** | ***2025*** | ***to Dec. 31, 2025*** |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $**214453** | $245897 | (12.8) | $204860 | 4.7 |
| Due from banks - interest bearing | **745957** | 845818 | (11.8) | 751249 | (0.7) |
| Securities: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Equity securities, at fair value | **30256** | 28217 | 7.2 | 30809 | (1.8) |
| &nbsp;&nbsp;&nbsp;&nbsp;Available-for-sale debt securities, at fair value | **3298237** | 3149043 | 4.7 | 3288332 | 0.3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Held-to-maturity debt securities (fair values of $1,011,303, $1,002,796 and $1,035,957 respectively) | **1120597** | 1143376 | (2.0) | 1132114 | (1.0) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses - held-to-maturity debt securities | **(151)** | (137) | (10.2) | (168) | 10.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net held-to-maturity debt securities | **1120446** | 1143239 | (2.0) | 1131946 | (1.0) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total securities | **4448939** | 4320499 | 3.0 | 4451087 | (0.0) |
| Loans held for sale | **59281** | 243281 | (75.6) | 87454 | (32.2) |
| Portfolio loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | **10902275** | 10501846 | 3.8 | 10938834 | (0.3) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | **2785440** | 2781728 | 0.1 | 2863893 | (2.7) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential real estate | **3920209** | 3930667 | (0.3) | 3938585 | (0.5) |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | **1149878** | 1020929 | 12.6 | 1129394 | 1.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer | **324879** | 438578 | (25.9) | 355726 | (8.7) |
| Total portfolio loans, net of unearned income | **19082681** | 18673748 | 2.2 | 19226432 | (0.7) |
| Allowance for credit losses - loans | **(210023)** | (233617) | 10.1 | (218749) | 4.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net portfolio loans | **18872658** | 18440131 | 2.3 | 19007683 | (0.7) |
| Premises and equipment, net | **251325** | 281493 | (10.7) | 263240 | (4.5) |
| Accrued interest receivable | **105288** | 108778 | (3.2) | 106651 | (1.3) |
| Goodwill and other intangible assets, net | **1716225** | 1754703 | (2.2) | 1723385 | (0.4) |
| Bank-owned life insurance | **560773** | 548601 | 2.2 | 557512 | 0.6 |
| Other assets | **507556** | 623182 | (18.6) | 543212 | (6.6) |
| **Total Assets** | $**27482455** | $**27412383** | 0.3 | $**27696333** | (0.8) |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing demand | $**5223034** | $5318619 | (1.8) | $5376767 | (2.9) |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing demand | **5505382** | 5000881 | 10.1 | 5186880 | 6.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | **4904510** | 4875384 | 0.6 | 5072039 | (3.3) |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | **3306044** | 3068618 | 7.7 | 3157782 | 4.7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | **2729304** | 3028893 | (9.9) | 2875372 | (5.1) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | **21668274** | 21292395 | 1.8 | 21668840 | (0.0) |
| Federal Home Loan Bank borrowings | **975000** | 1476511 | (34.0) | 1200000 | (18.8) |
| Other short-term borrowings | **114068** | 147804 | (22.8) | 110679 | 3.1 |
| Subordinated debt and junior subordinated debt | **308683** | 360156 | (14.3) | 308529 | 0.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total borrowings | **1397751** | 1984471 | (29.6) | 1619208 | (13.7) |
| Accrued interest payable | **19917** | 26570 | (25.0) | 19150 | 4.0 |
| Other liabilities | **325905** | 327368 | (0.4) | 357222 | (8.8) |
| **Total Liabilities** | **23411847** | 23630804 | (0.9) | 23664420 | (1.1) |
| **Shareholders' Equity** |  |  |  |  |  |
| Preferred stock, no par value; 1,000,000 shares authorized; 0, 150,000 and 0 shares 6.75% non-cumulative perpetual preferred stock, Series A, liquidation preference $150.0 million, issued and outstanding, respectively | **-** | 144484 | (100.0) | - | (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 | 224187 | - |
| Common stock, $2.0833 par value; 200,000,000, 200,000,000, and 200,000,000 shares authorized; 96,134,158, 95,672,204 and 96,067,559 shares issued; 96,134,158, 95,672,204 and 96,067,559 shares outstanding, respectively | **200276** | 199313 | 0.5 | 200137 | 0.1 |
| Capital surplus | **2495091** | 2485223 | 0.4 | 2490440 | 0.2 |
| Retained earnings | **1300628** | 1145396 | 13.6 | 1252765 | 3.8 |
| Accumulated other comprehensive loss | **(147195)** | (190710) | 22.8 | (133320) | (10.4) |
| Deferred benefits for directors | **(2379)** | (2127) | (11.8) | (2296) | (3.6) |
| **Total Shareholders' Equity** | **4070608** | 3781579 | 7.6 | 4031913 | 1.0 |
| **Total Liabilities and Shareholders' Equity** | $**27482455** | $**27412383** | **0.3** | $**27696333** | **(0.8)** |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **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** |
| *(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 March 31,** | **For the Three Months Ended March 31,** | **For the Three Months Ended March 31,** | **For the Three Months Ended March 31,** |
|  | ***2026*** | ***2026*** | ***2025*** | ***2025*** |
| **<u>Average balance sheet and</u>** | ***Average*** | ***Average*** | ***Average*** | ***Average*** |
| **<u>net interest margin analysis</u>** | ***Balance*** | ***Rate*** | ***Balance*** | ***Rate*** |
| **Assets** |  |  |  |  |
| Due from banks - interest bearing | **745711** | **3.91**% | 602708 | 4.73% |
| Loans, net of unearned income (1) | **19188906** | **5.94** | 14720749 | 6.02 |
| Securities: (2) |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable | **3904167** | **3.27** | 3237372 | 2.79 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt (3) | **739469** | **3.35** | 733105 | 3.17 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total securities | **4643636** | **3.28** | 3970477 | 2.86 |
| Other earning assets | **62274** | **7.69** | 61393 | 6.69% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total earning assets (3)** | **24640527** | **5.38%** | **19355327** | **5.33%** |
| Other assets | **2890093** |  | 2303025 |  |
| **Total Assets** | **27530620** |  | **21658352** |  |
| **Liabilities and Shareholders' Equity** |  |  |  |  |
| Interest bearing demand deposits | **5327178** | **2.24**% | 4166005 | 2.86% |
| Money market accounts | **4901058** | **2.66** | 3219335 | 2.66 |
| Savings deposits | **3237453** | **1.27** | 2605145 | 1.15 |
| Certificates of deposit | **2827655** | **3.24** | 2185662 | 3.44 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest bearing deposits | **16293344** | **2.35** | 12176147 | 2.55 |
| Federal Home Loan Bank borrowings | **1155278** | **3.97** | 1168981 | 4.52 |
| Repurchase agreements | **107383** | **2.26** | 162912 | 2.79 |
| Subordinated debt and junior subordinated debt | **308585** | **5.36** | 305309 | 5.48 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total interest bearing liabilities (4)** | **17864590** | **2.50%** | **13813349** | **2.78%** |
| Non-interest bearing demand deposits | **5255480** |  | 4303915 |  |
| Other liabilities | **323933** |  | 322449 |  |
| Shareholders' equity | **4086617** |  | 3218639 |  |
| **Total Liabilities and Shareholders' Equity** | **27530620** |  | **21658352** |  |
| **Taxable equivalent net interest spread** |  | **2.88%** |  | **2.55%** |
| **Taxable equivalent net interest margin** |  | **3.57%** |  | **3.35%** |
| *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual and loans held for sale. Loan fees included in interest income on loans were $1.8 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $13.3 million and $6.9 million for the three months ended March 31, 2026 and 2025, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual and loans held for sale. Loan fees included in interest income on loans were $1.8 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $13.3 million and $6.9 million for the three months ended March 31, 2026 and 2025, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual and loans held for sale. Loan fees included in interest income on loans were $1.8 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $13.3 million and $6.9 million for the three months ended March 31, 2026 and 2025, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual and loans held for sale. Loan fees included in interest income on loans were $1.8 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $13.3 million and $6.9 million for the three months ended March 31, 2026 and 2025, respectively.* | *(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual and loans held for sale. Loan fees included in interest income on loans were $1.8 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $13.3 million and $6.9 million for the three months ended March 31, 2026 and 2025, 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.* |
| *(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 $0.3 million and $2.3 million for the three months ended March 31, 2026 and 2025, respectively.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.3 million and $2.3 million for the three months ended March 31, 2026 and 2025, respectively.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.3 million and $2.3 million for the three months ended March 31, 2026 and 2025, respectively.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.3 million and $2.3 million for the three months ended March 31, 2026 and 2025, respectively.* | *(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.3 million and $2.3 million for the three months ended March 31, 2026 and 2025, respectively.* |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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*** |
|  | ***Mar. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** |
| **<u>Statement of Income</u>** | ***2026*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** |
| **Interest and dividend income** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including fees | $**280989** | $293208 | $295482 | $290104 | $218409 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest and dividends on securities: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable | **31443** | 31546 | 31483 | 31066 | 22247 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt | **4824** | 4865 | 4692 | 4616 | 4529 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividends on securities | **36267** | 36411 | 36175 | 35682 | 26776 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other interest income | **8368** | 9821 | 11229 | 10596 | 8047 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividend income | **325624** | 339440 | 342886 | 336382 | 253232 |
| **Interest expense** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing demand deposits | **29368** | 29821 | 31351 | 30405 | 29377 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | **32151** | 36166 | 38249 | 36287 | 21134 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | **10119** | 9570 | 9577 | 8670 | 7359 |
| &nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | **22591** | 24235 | 23554 | 21442 | 18558 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense on deposits | **94229** | 99792 | 102731 | 96804 | 76428 |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal Home Loan Bank borrowings | **11316** | 11378 | 17337 | 16683 | 13034 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other short-term borrowings | **598** | 730 | 766 | 816 | 1122 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt and junior subordinated debt | **4080** | 5243 | 5336 | 5310 | 4129 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | **110223** | 117143 | 126170 | 119613 | 94713 |
| **Net interest income** | **215401** | 222297 | 216716 | 216769 | 158519 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | **(897)** | 3059 | 2082 | 3218 | 68883 |
| Net interest income after provision for credit losses | **216298** | 219238 | 214634 | 213551 | 89636 |
| **Non-interest income** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Trust fees | **10442** | 9745 | 8987 | 9657 | 8697 |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges on deposits | **10961** | 11159 | 11163 | 10484 | 8587 |
| &nbsp;&nbsp;&nbsp;&nbsp;Digital banking income | **6599** | 6422 | 7324 | 7325 | 5404 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net swap fee and valuation income | **1062** | 3959 | 3231 | 746 | 961 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities brokerage revenue | **3472** | 2836 | 2961 | 3348 | 2701 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | **3811** | 4458 | 3765 | 3450 | 3428 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage banking income | **919** | 791 | 1898 | 2364 | 1140 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net securities (losses) / gains | **(13)** | 1077 | 1210 | 1410 | (318) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net gains / (losses) other real estate owned and other assets | **546** | (824) | 329 | 111 | (40) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | **4032** | 3647 | 3996 | 5062 | 4105 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | **41831** | 43270 | 44864 | 43957 | 34665 |
| **Non-interest expense** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and wages | **63964** | 61664 | 60583 | 60153 | 48577 |
| &nbsp;&nbsp;&nbsp;&nbsp;Employee benefits | **17611** | 17148 | 18040 | 18857 | 12970 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net occupancy | **8529** | 8522 | 8819 | 8119 | 7778 |
| &nbsp;&nbsp;&nbsp;&nbsp;Equipment and software | **15678** | 16110 | 16310 | 17140 | 13050 |
| &nbsp;&nbsp;&nbsp;&nbsp;Marketing | **1526** | 2636 | 2979 | 1864 | 2382 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC insurance | **4784** | 5411 | 5820 | 5479 | 4187 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of intangible assets | **7160** | 7217 | 8425 | 9204 | 4223 |
| &nbsp;&nbsp;&nbsp;&nbsp;Restructuring and merger-related expense | **3713** | 3483 | 11383 | 41056 | 20010 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expenses | **23740** | 25697 | 23829 | 24663 | 20789 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense | **146705** | 147888 | 156188 | 186535 | 133966 |
| Income / (loss) before provision for income taxes | **111424** | 114620 | 103310 | 70973 | (9665) |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision / (benefit) for income taxes | **22789** | 23510 | 19737 | 13558 | (673) |
| **Net Income /(loss)** | **88635** | 91110 | 83573 | 57415 | (8992) |
| Preferred stock dividends | **4240** | 12948 | 2531 | 2531 | 2531 |
| **Net income / (loss) available to common shareholders** | $**84395** | $78162 | $81042 | $54884 | $(11523) |
| *Taxable equivalent net interest income* | $***216683*** | $*223590* | $*217963* | $*217996* | $*159723* |
| **<u>Per common share data</u>** |  |  |  |  |  |
| Net income / (loss) per common share - basic | $**0.88** | $0.81 | $0.84 | $0.57 | $(0.15) |
| Net income / (loss) per common share - diluted | **0.88** | 0.81 | 0.84 | 0.57 | (0.15) |
| Adjusted net income per common share - diluted, excluding certain items (1)(2) | **0.91** | 0.84 | 0.94 | 0.91 | 0.66 |
| Dividends declared | **0.38** | 0.38 | 0.37 | 0.37 | 0.37 |
| Book value (period end) | **40.01** | 39.64 | 39.02 | 38.28 | 38.02 |
| Tangible book value (period end) (1) | **22.45** | 22.01 | 21.29 | 20.48 | 20.06 |
| Average common shares outstanding - basic | **96103497** | 96053336 | 95995174 | 95744980 | 76830460 |
| Average common shares outstanding - diluted | **96309352** | 96226845 | 96116617 | 95808310 | 77020592 |
| Period end common shares outstanding | **96134158** | 96067559 | 96044222 | 95986023 | 95672204 |
| Period end preferred shares outstanding | **230000** | 230000 | 380000 | 150000 | 150000 |
| Full time equivalent employees | **2973** | 3030 | 3064 | 3253 | 3205 |
| *(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.* |

---

------

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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*** |  |
|  | ***Mar. 31,*** |  | ***Dec. 31,*** |  | ***Sept. 30,*** |  | ***June 30,*** |  | ***Mar. 31,*** |  |
| **<u>Asset quality data</u>** | ***2026*** |  | ***2025*** |  | ***2025*** |  | ***2025*** |  | ***2025*** |  |
| Non-performing assets: |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total non-performing loans | $**145008** |  | $91584 |  | $94463 |  | $84319 |  | $81489 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate and repossessed assets | **1323** |  | 907 |  | 997 |  | 958 |  | 1854 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-performing assets | $**146331** |  | $92491 |  | $95460 |  | $85277 |  | $83343 |  |
| Past due loans (1): |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans past due 30-89 days | $**89877** |  | $91199 |  | $80333 |  | $65401 |  | $69755 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans past due 90 days or more | **16210** |  | 37783 |  | 19430 |  | 20890 |  | 10734 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total past due loans | $**106087** |  | $128982 |  | $99763 |  | $86291 |  | $80489 |  |
| Criticized and classified loans (2): |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Criticized loans | $**326853** |  | $413068 |  | $433320 |  | $531415 |  | $470619 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Classified loans | **228606** |  | 191860 |  | 175648 |  | 151849 |  | 149452 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total criticized and classified loans | $**555459** |  | $604928 |  | $608968 |  | $683264 |  | $620071 |  |
| Loans past due 30-89 days / total portfolio loans | **0.47** | **%** | 0.47 | **%** | 0.42 | % | 0.35 | % | 0.37 | % |
| Loans past due 90 days or more / total portfolio loans | **0.08** |  | 0.20 |  | 0.10 |  | 0.11 |  | 0.06 |  |
| Non-performing loans / total portfolio loans | **0.76** |  | 0.48 |  | 0.50 |  | 0.45 |  | 0.44 |  |
| Non-performing assets/total portfolio loans, other<br> real estate and repossessed assets | **0.77** |  | 0.48 |  | 0.50 |  | 0.45 |  | 0.45 |  |
| Non-performing assets / total assets | **0.53** |  | 0.33 |  | 0.35 |  | 0.31 |  | 0.30 |  |
| Criticized and classified loans / total portfolio loans | **2.91** |  | 3.15 |  | 3.22 |  | 3.63 |  | 3.32 |  |
| **<u>Allowance for credit losses</u>** |  |  |  |  |  |  |  |  |  |  |
| Allowance for credit losses - loans | $**210023** |  | $218749 |  | $217666 |  | $223866 |  | $233617 |  |
| Allowance for credit losses - loan commitments | **7212** |  | 6950 |  | 7628 |  | 6168 |  | 6459 |  |
| Provision for credit losses | **(897)** |  | 3059 |  | 2082 |  | 3218 |  | 68883 |  |
| Net loan and deposit account overdraft charge-offs and recoveries | **7584** |  | 2666 |  | 8867 |  | 4329 |  | 2771 |  |
| Annualized net loan charge-offs and recoveries / average loans | **0.16** | **%** | 0.06 | **%** | 0.19 | % | 0.09 | % | 0.08 | % |
| Allowance for credit losses - loans / total portfolio loans | **1.10** | **%** | 1.14 | **%** | 1.15 | % | 1.19 | % | 1.25 | % |
| Allowance for credit losses - loans / non-performing loans | **1.45** | **x** | 2.39 | **x** | 2.30 | x | 2.65 | x | 2.87 | x |
| Allowance for credit losses - loans / non-performing loans<br> and loans past due | **0.84** | **x** | 0.99 | **x** | 1.12 | x | 1.31 | x | 1.44 | x |
|  | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** | ***Quarter Ended*** |  |
|  | ***Mar. 31,*** |  | ***Dec. 31,*** |  | ***Sept. 30,*** |  | ***June 30,*** |  | ***Mar. 31,*** |  |
|  | ***2026*** |  | ***2025*** |  | ***2025*** |  | ***2025*** |  | ***2025*** |  |
| **<u>Capital ratios</u>** |  |  |  |  |  |  |  |  |  |  |
| Tier I leverage capital | **9.63** | **%** | 9.42 | **%** | 9.72 | % | 8.66 | % | 11.01 | % |
| Tier I risk-based capital | **11.72** |  | 11.42 |  | 11.83 |  | 10.59 |  | 10.69 |  |
| Total risk-based capital | **14.19** |  | 13.92 |  | 14.58 |  | 13.40 |  | 13.59 |  |
| Common equity tier 1 capital ratio (CET 1) | **10.67** |  | 10.37 |  | 10.10 |  | 9.90 |  | 9.99 |  |
| Average shareholders' equity to average assets | **14.84** |  | 14.88 |  | 14.22 |  | 13.99 |  | 14.86 |  |
| Tangible equity to tangible assets (3) | **9.24** |  | 8.99 |  | 9.35 |  | 8.16 |  | 8.03 |  |
| Tangible common equity to tangible assets (3) | **8.37** |  | 8.13 |  | 7.92 |  | 7.60 |  | 7.47 |  |
| *(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 include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.* | *(2) Criticized and classified commercial loans 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.* |  |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <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. |
|  | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** |
|  | ***Mar. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | ***2026*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** |
| **Return on average assets, excluding certain items:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**84395** | $78162 | $81042 | $54884 | $(11523) |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax restructuring and merger-related expenses (1) | **2933** | 2752 | 8993 | 32434 | 15808 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax day one provision for credit losses on acquired loans (1) | **-** | - | - | - | 46926 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders, excluding certain items | **87328** | 80914 | 90035 | 87318 | 51211 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total assets | $**27530620** | $27481963 | $27419726 | $27304700 | $21658352 |
| Return on average assets, excluding certain items (annualized) (2) | **1.29%** | 1.17% | 1.30% | 1.28% | 0.96% |
| **Return on average equity, excluding certain items:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**84395** | $78162 | $81042 | $54884 | $(11523) |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax restructuring and merger-related expenses (1) | **2933** | 2752 | 8993 | 32434 | 15808 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax day one provision for credit losses on acquired loans (1) | **-** | - | - | - | 46926 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders excluding certain items | **87328** | 80914 | 90035 | 87318 | 51211 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4086617** | 4088456 | 3898142 | 3819513 | 3218639 |
| Return on average equity, excluding certain items (annualized) (2) | **8.67%** | 7.85% | 9.16% | 9.17% | 6.45% |
| **Return on average tangible equity:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**84395** | $78162 | $81042 | $54884 | $(11523) |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: amortization of intangibles (1) | **5656** | 5701 | 6656 | 7271 | 3336 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders before amortization of intangibles | **90051** | 83863 | 87698 | 62155 | (8187) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4086617** | 4088456 | 3898142 | 3819513 | 3218639 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangibles, net of def. tax liability | **(1691156)** | (1700188) | (1704105) | (1608358) | (1312855) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity | $**2395461** | $2388268 | $2194037 | $2211155 | $1905784 |
| Return on average tangible equity (annualized) (2) | **15.25%** | 13.93% | 15.86% | 11.27% | -1.74% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible common equity | $**2171274** | $2096528 | $2015329 | $2066671 | $1761300 |
| Return on average tangible common equity (annualized) (2) | **16.82%** | 15.87% | 17.26% | 12.06% | -1.89% |
| **Return on average tangible equity, excluding certain items:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | $**84395** | $78162 | $81042 | $54884 | $(11523) |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax restructuring and merger-related expenses (1) | **2933** | 2752 | 8993 | 32434 | 15808 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: amortization of intangibles (1) | **5656** | 5701 | 6656 | 7271 | 3336 |
| &nbsp;&nbsp;&nbsp;&nbsp;Plus: after-tax day one provision for credit losses on acquired loans (1) | **-** | - | - | - | 46926 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders before amortization of intangibles and excluding certain items | **92984** | 86615 | 96691 | 94589 | 54547 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4086617** | 4088456 | 3898142 | 3819513 | 3218639 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangibles, net of def. tax liability | **(1691156)** | (1700188) | (1704105) | (1608358) | (1312855) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity | $**2395461** | $2388268 | $2194037 | $2211155 | $1905784 |
| Return on average tangible equity, excluding certain items (annualized) (2) | **15.74%** | 14.39% | 17.48% | 17.16% | 11.61% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible common equity | $**2171274** | $2096528 | $2015329 | $2066671 | $1761300 |
| Return on average tangible common equity, excluding certain items (annualized) (2) | **17.37%** | 16.39% | 19.03% | 18.36% | 12.56% |

---

------

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | ***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*** |
|  | ***Mar. 31,*** | ***Mar. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***Sept. 30,*** | ***June 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Mar. 31,*** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | ***2026*** | ***2026*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** |
| **Efficiency ratio:** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest expense | **$** | **146705** | $| 147888 | $| 156188 | $| 186535 | $| 133966 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: amortization of intangibles |  | **(7160)** |  | (7217) |  | (8245) |  | (9204) |  | (4223) |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: restructuring and merger-related expense |  | **(3713)** |  | (3483) |  | (11383) |  | (41056) |  | (20010) |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest expense excluding restructuring and merger-related expense |  | **135832** |  | 137188 |  | 136380 |  | 136275 |  | 109733 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income on a fully taxable equivalent basis |  | **216683** |  | 223590 |  | 217963 |  | 217996 |  | 159723 |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest income, excluding net securities gains (losses) |  | **41844** |  | 42193 |  | 43654 |  | 42547 |  | 34983 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income on a fully taxable equivalent basis plus non-interest income | **$** | **258527** | $| 265783 | $| 261617 | $| 260543 | $| 194706 |
| &nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio |  | **52.54%** |  | 51.62% |  | 52.13% |  | 52.30% |  | 56.36% |
| **Adjusted net income available to common shareholders, excluding certain items:** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) available to common shareholders | **$** | **84395** | $| 78162 | $| 81042 | $| 54884 | $| (11523) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: after-tax restructuring and merger-related expenses (1) |  | **2933** |  | 2752 |  | 8993 |  | 32434 |  | 15808 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: after-tax day one provision for credit losses on acquired loans (1) |  | **-** |  | - |  | - |  | - |  | 46926 |
| Adjusted net income available to common shareholders, excluding certain items: | **$** | **87328** | $ | 80914 | $ | 90035 | $ | 87318 | $ | 51211 |
| **Adjusted net income per common share - diluted, excluding certain items:** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income / (loss) per common share - diluted | **$** | **0.88** | $| 0.81 | $| 0.84 | $| 0.57 | $| (0.15) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: after-tax restructuring and merger-related expenses per common share - diluted (1) |  | **0.03** |  | 0.03 |  | 0.10 |  | 0.34 |  | 0.21 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: after-tax day one provision for credit losses on acquired loans (1) |  | **-** |  | - |  | - |  | - |  | 0.60 |
| Adjusted net income per common share - diluted, excluding certain items: | **$** | **0.91** | $ | 0.84 | $ | 0.94 | $ | 0.91 | $ | 0.66 |
|  | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** | ***Period End*** |
|  | ***Mar. 31,*** | ***Mar. 31,*** | ***Dec. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***Sept. 30,*** | ***June 30,*** | ***June 30,*** | ***Mar. 31,*** | ***Mar. 31,*** |
|  | ***2026*** | ***2026*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** |
| **Tangible book value per share:** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | **$** | **4070608** | $| 4031913 | $| 4116527 | $| 3819220 | $| 3781579 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of def. tax liability |  | **(1688098)** |  | (1693755) |  | (1702916) |  | (1709001) |  | (1718048) |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: preferred shareholder's equity |  | **(224187)** |  | (224187) |  | (368867) |  | (144484) |  | (144484) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity |  | **2158323** |  | 2113971 |  | 2044744 |  | 1965735 |  | 1919047 |
| &nbsp;&nbsp;&nbsp;&nbsp;Common shares outstanding |  | **96134158** |  | 96067559 |  | 96044222 |  | 95986023 |  | 95672204 |
| Tangible book value per share | **$** | **22.45** | $ | 22.01 | $ | 21.29 | $ | 20.48 | $ | 20.06 |
| **Tangible common equity to tangible assets:** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | **$** | **4070608** | $| 4031913 | $| 4116527 | $| 3819220 | $| 3781579 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of def. tax liability |  | **(1688098)** |  | (1693755) |  | (1702916) |  | (1709001) |  | (1718048) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible equity |  | **2382510** |  | 2338158 |  | 2413611 |  | 2110219 |  | 2063531 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: preferred shareholders' equity |  | **(224187)** |  | (224187) |  | (368867) |  | (144484) |  | (144484) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity |  | **2158323** |  | 2113971 |  | 2044744 |  | 1965735 |  | 1919047 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets |  | **27482455** |  | 27696333 |  | 27518042 |  | 27571576 |  | 27412383 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: goodwill and other intangible assets, net of def. tax liability |  | **(1688098)** |  | (1693755) |  | (1702916) |  | (1709001) |  | (1718048) |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible assets | **$** | **25794357** | $| 26002578 | $| 25815126 | $| 25862575 | $| 25694335 |
| Tangible equity to tangible assets |  | **9.24%** |  | 8.99% |  | 9.35% |  | 8.16% |  | 8.03% |
| Tangible common equity to tangible assets |  | **8.37%** |  | 8.13% |  | 7.92% |  | 7.60% |  | 7.47% |
| *(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.* |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <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. |
|  | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** | ***Three Months Ended*** |
|  | ***Mar. 31,*** | ***Dec. 31,*** | ***Sept. 30,*** | ***June 30,*** | ***Mar. 31,*** |
| *(unaudited, dollars in thousands, except shares and per share amounts)* | ***2026*** | ***2025*** | ***2025*** | ***2025*** | ***2025*** |
| **Pre-tax, pre-provision income:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**111424** | $114620 | $103310 | $70973 | $(9665) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **(897)** | 3059 | 2082 | 3218 | 68883 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income | $**110527** | $117679 | $105392 | $74191 | $59218 |
| **Pre-tax, pre-provision income, excluding restructuring and merger-related expenses:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income / (loss) before provision / (benefit) for income taxes | $**111424** | $114620 | $103310 | $70973 | $(9665) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **(897)** | 3059 | 2082 | 3218 | 68883 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3713** | 3483 | 11383 | 41056 | 20010 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income, excluding restructuring and merger-related expenses | $**114240** | $121162 | $116775 | $115247 | $79228 |
| **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 | $**111424** | $114620 | $103310 | $70973 | $(9665) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **(897)** | 3059 | 2082 | 3218 | 68883 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3713** | 3483 | 11383 | 41056 | 20010 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income, excluding restructuring and merger-related expenses | **114240** | 121162 | 116775 | 115247 | 79228 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total assets | $**27530620** | $27481963 | $27419726 | $27304700 | $21658352 |
| Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses (annualized) (2) | **1.68%** | 1.75% | 1.69% | 1.69% | 1.48% |
| **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 | $**111424** | $114620 | $103310 | $70973 | $(9665) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **(897)** | 3059 | 2082 | 3218 | 68883 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3713** | 3483 | 11383 | 41056 | 20010 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income, excluding restructuring and merger-related expenses | **114240** | 121162 | 116775 | 115247 | 79228 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | $**4086617** | $4088456 | $3898142 | $3819513 | $3218639 |
| Pre-tax, pre-provision return on average equity, excluding restructuring and merger-related expenses (annualized) (2) | **11.34%** | 11.76% | 11.88% | 12.10% | 9.98% |
| **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 | $**111424** | $114620 | $103310 | $70973 | $(9665) |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: provision for credit losses | **(897)** | 3059 | 2082 | 3218 | 68883 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: amortization of intangibles | **7160** | 7217 | 8425 | 9204 | 4223 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: restructuring and merger-related expenses | **3713** | 3483 | 11383 | 41056 | 20010 |
| &nbsp;&nbsp;&nbsp;&nbsp;Pre-tax, pre-provision income before restructuring and merger-related expenses and amortization of intangibles | **121400** | 128379 | 125200 | 124451 | 83451 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average total shareholders' equity | **4086617** | 4088456 | 3898142 | 3819513 | 3218639 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: average goodwill and other intangibles, net of def. tax liability | **(1691156)** | (1700188) | (1704105) | (1608358) | (1312855) |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible equity | $**2395461** | $2388268 | $2194037 | $2211155 | $1905784 |
| Pre-tax, pre-provision return on average tangible equity, excluding certain items (annualized) (1) (2) | **20.55%** | 21.33% | 22.64% | 22.58% | 17.76% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average tangible common equity | $**2171274** | $2096528 | $2015329 | $2066671 | $1761300 |
| Pre-tax, pre-provision return on average tangible common equity, excluding certain items (annualized) (1) (2) | **22.68%** | 24.29% | 24.65% | 24.15% | 19.22% |
| *(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.* |

---

------

## Exhibit 99.2

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

First Quarter 2026 Earnings Call Presentation April 22, 2026

------

![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, 2025 and documents subsequently filed by WesBanco with the Securities and Exchange Commission ("SEC"), 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, 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: 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 2025 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the SEC. 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.

------

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

GAAP EPS of $0.88 but, when excluding merger and restructuring costs, EPS(1) was $0.91 and increased 38% compared to the prior year and 8% from the sequential quarter Achieved or exceeded year one financial targets outlined in the PFC acquisition model(2), 1.3% return on average assets, a 10.7% CET1 ratio, and tangible book value per share of $22.45(1) Advanced organic growth model with commercial banking expansion into high-growth South Florida markets Increased NIM 22bp YoY to 3.57%, driven by lower funding costs and higher earning asset yields Improved efficiency ratio nearly 4 percentage points YoY to 52.5%, primarily due to expense synergies from the PFC acquisition and the focus on positive operating leverage Executed next phase of financial center optimization with planned closure of 10 financial centers in May Built record commercial loan pipeline of $1.6 billion Increased total deposits 1.8% YoY on an organic basis to $21.7 billion; flat compared to the fourth quarter Increased total loans 2.2% YoY as organic growth more than offset higher CRE payoffs of $340 million Elevated payoffs impacted YoY loan growth by 1.4% Strong YoY Increase in EPS; Improved NIM 22bp YoY Net Income Available to Common Shareholders and Diluted EPS(1) $87.3 million; $0.91/share Net Interest Margin +22 bp YoY Total Loan Growth +2.2% YoY or +3.6%, excluding CRE payoff headwind Total Deposit Growth +1.8% YoY; flat QoQ Criticized and Classified Loans to Total Loans 2.91% CET1 Capital Ratio 10.67% Note: financial and operational highlights for the quarter ended March 31, 2026; EPS = earnings per share; CRE = commercial real estate; YoY = year-over-year; QoQ = quarter-over-quarter; bp = basis points; CET1 = common equity tier 1; PFC = Premier Financial Corp. (acquisition closed on 2/28/2025) (1) Non-GAAP measure – please see reconciliation in appendix (2) PFC acquisition presentation published on 7/26/2024 Q1 2026 Financial and Operational Highlights

------

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

Note: PTPP = pre-tax, pre-provision (1) Non-GAAP measure – please see reconciliation in appendix (2) Excludes restructuring and merger-related expenses and/or day 1 provision for credit losses on acquired loans Key Metrics Q1 2026 Financial and Operational Highlights

------

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

Organic Growth Model Intact – Impacted by Elevated CRE Payoffs Note: commercial payoffs and new originations and associated yields (in charts above); C&I = Commercial & Industrial Q1 2026 Total Portfolio Loans Total loans increased $400 million, or 2.2%, YoY to $19.1 billion, driven by commercial and home equity lending CRE loan payoffs remained elevated and totaled $340 million for the first quarter of 2025, consistent with the elevated quarterly levels incurred during the second half of 2025 The increase in payoffs negatively impacted YoY loan growth by approximately 1.4% Commercial loan pipeline a record $1.6 billion, as of 3/31/2026 50% of pipeline from PFC markets and loan production offices Initial Florida pipeline adds an additional $30 million C&I line utilization was approximately 37% for Q1 2026

------

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

Deposit Growth Remained Solid Note: "uninsured deposits" are approximated; "collateralized municipal deposits" are collateralized by securities Q1 2026 Total Deposits Total deposits increased $376 million, or 1.8%, YoY to $21.7 billion, driven by demand deposits and savings account growth which more than offset the intentional run-off of $300 million of higher cost certificates of deposit Total demand deposits continued to represent 50% of total deposits Distribution: consumer 52% and business 32% (note: public funds, which are separately collateralized, 16%) Average loans to average deposits were 89.1%, providing continued capacity to fund loan growth

------

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

Tangible common equity to tangible assets ratio(1) of 8.37% Weighted average yield 3.28% vs. 2.86% last year Weighted average duration 4.3 Total unrealized securities losses (after-tax): Available for Sale ("AFS") = $155MM Held to Maturity ("HTM")(2) = $84MM 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% (1) Non-GAAP measure – please see reconciliation in appendix (2) HTM losses not recognized in accumulated other comprehensive income Q1 2026 Total Securities $MM

------

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

Q1 2026 NIM of 3.57% improved 22 bp YoY, through a combination of lower funding costs and higher securities yields NIM decreased 4 bp on a sequential quarter basis due to lower net loan growth, as well as modestly higher seasonal deposit contraction in the first two months of the quarter which fully recovered by quarter-end Deposit funding costs, including non-interest bearing deposits, were 177 bp and decreased 11 bp YoY and 7 bp QoQ Average FHLB borrowings of $1.2 billion had a weighted average cost of 3.97% which decreased 55 bp YoY and 34 bp QoQ Of the $1.0 billion of borrowings at 3/31/2026, approximately 95% have 2026 maturities, with an average rate of 3.92% NIM Benefiting from Management of Funding Costs and Loan Growth Q1 2026 Net Interest Margin (NIM)

------

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

Note: OREO = other real estate owned; AUM = assets under management; securities account values include annuities Fee Income Increased $7.2 Million, or 20.7%, Year-Over-Year Q1 2026 Non-Interest Income Non-interest income increased 20.7% YoY due primarily to the acquisition of PFC, which occurred on February 28, 2025, which increased the size of our customer base and wealth management assets managed, as well as organic growth Service charges on deposits and digital banking fees reflect increased general spending and higher transaction volumes from our larger customer base, and organic growth from our treasury management products and services 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 Trust and Investment Services assets under management increased 12% YoY to $7.8 billion Broker-dealer securities account values (including annuities) increased 9% YoY to $2.6 billion Gross swap fees were $1.2 million, compared to $2.0 million in the prior year Fair market valuation losses were $0.1 million, compared to $1.0 million last year

------

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

Expenses Declined $1.4 Million Sequentially Due to Cost Control Q1 2026 Non-Interest Expense Non-interest expense, excluding merger and restructuring charges, decreased sequentially primarily from control of marketing and other costs Non-interest expense, excluding merger and restructuring charges, increased 25.5% YoY due to the addition of the PFC expense, which was only in the expense base for one month in the prior year period Salaries and wages and employee benefits expense increased due to a full quarter of staffing Amortization of intangible assets increased due to the core deposit intangible asset that was created from the acquisition of PFC Equipment and software, which has been in a consistent range the last several quarters, increased YoY due to the acquisition of PFC Restructuring and merger-related expenses are primarily related to costs associated with the 10 financial centers that are planned to close during May

------

![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 4/14/2026) 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 Strong Legacy of Credit Quality Criticized & Classified Loans as % of Total Loans Non-Performing Assets as % of Total Assets Net Charge-Offs as % of Average Loans (Annualized) Allowance for Credit Losses as % of Total Loans

------

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

The allowance for credit losses on loans was $210.0 million at 3/31/2026, which provided a coverage ratio of 1.10% Excluded from the allowance for credit losses and the related coverage ratio is a remaining unaccreted discount on purchased loans from acquisitions representing 1.51% of total portfolio loans The first quarter provision for credit losses was negative primarily due to lower loan balances and higher prepayment speeds Non-Depository Financial Institution (NDFI) exposure <$55 million No exposure to technology and software firms or data centers and related infrastructure projects Allowance Coverage Ratio of 1.10% Q1 2026 Current Expected Credit Loss (CECL) Note: ACL at 3/31/2026 excludes off-balance sheet credit exposures of $7.2 million

------

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

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 3/31/2026)(1) No shares repurchased on the open market during Q1 2026 Capital Ratios Above Both Regulatory and Well-Capitalized Levels Strong Capital Position Note: financial data as of quarter ending 12/31; current year data as of 3/31/2026; 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 (1) Under the existing share repurchase authorization that was approved on February 24, 2022 by WesBanco's Board of Directors Common Equity Tier 1 Capital Ratio (CET 1) Tier 1 Risk-Based Capital Ratio Well-Capitalized 8.0% Required 6.0%

------

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

Appendix

------

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

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

------

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

Net Income and Diluted Earnings per Share (EPS) Reconciliation

------

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

Tangible Book Value per Share Reconciliation

------

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

Efficiency Ratio Reconciliation

------

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

Return on Average Assets Reconciliation

------

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

Return on Average Tangible Common Equity Reconciliation

------

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

Tangible Common Equity to Tangible Assets Reconciliation

------

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

First Quarter 2026 Earnings Call Presentation