# EDGAR Filing Document

**Accession Number:** 0000203596
**File Stem:** 0001193125-26-204123
**Filing Date:** 2026-5
**Character Count:** 34645
**Document Hash:** 4d8bca7c735223edb15ea4ecef038d24
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-204123.hdr.sgml**: 20260504

**ACCESSION NUMBER**: 0001193125-26-204123

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 43

**CONFORMED PERIOD OF REPORT**: 20260504

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260504

**DATE AS OF CHANGE**: 20260504

**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:** 26938344

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

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

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

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

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## FORM 8-K

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**CURRENT REPORT**

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

&nbsp;&nbsp;&nbsp;&nbsp;**Date of Report (Date of earliest event reported):** May 04, 2026<br>

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WESBANCO, INC.

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

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

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

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

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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

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

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

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

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

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common Stock $2.0833 Par Value | WSBC | Nasdaq Global Select Market |
| Depositary Shares (each representing 1/40th interest in a share of 7.375% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B) | WSBCO | Nasdaq Global Select Market |

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

Emerging growth company ☐

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

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## Item 7.01 Regulation FD Disclosure. In accordance with general instruction B.2. of Form 8-K, the following information is furnished and shall not be deemed filed for the purpose of Section 18 of the Securities Exchange Act of 1934. Representatives of the Registrant are scheduled to make various investor presentations during the second quarter of 2026. A copy of this presentation is being furnished as Exhibit 99.1 in this Form 8-K.

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

[<u>99.1 - Presentation on first quarter 2026 results by Wesbanco, Inc., at various investor conferences or other events in the second quarter of 2026.</u>](wsbc-ex99_1.htm)

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

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**SIGNATURE**

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

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| | | |
|:---|:---|:---|
|  |  | <u>Wesbanco, Inc.</u><br>(registrant) |
| Date: | May 04, 2026 | ***/s/ Daniel K. Weiss, Jr.*** |
|  |  | Daniel K. Weiss, Jr.<br>Senior Executive Vice President and<br>Chief Financial Officer<br>|

---

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## Exhibit 99.1

![Slide 1](wsbc-ex99_1s1.jpg)

Q2 2026 Investor Presentation John iannone SVP & Director of Investor Relations (304) 905-7021 (WSBC financials as of the three months ending March 31, 2026)

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![Slide 2](wsbc-ex99_1s2.jpg)

WesBanco: Built to Deliver Our Next Phase of Growth Investment Rationale Strong Foundation 150 years of profitability and soundness Robust, low-cost deposit base Economically diverse footprint supports earnings stability Strong capital levels provide flexibility across economic cycles Sustainable Operating Model Relationship-led, organic growth focused strategy Diversified revenue streams across Retail and Commercial channels Disciplined expense culture to enable future investment Proven Execution Consistently delivering on strategic priorities Ability to fully-fund loan growth through deposit growth – $1.6B over the last 27 months Delivering positive operating leverage – 1.9x since 12/31/2021 Compelling Growth Profile Repeatable market expansion strategy Meaningful opportunities to increase fee penetration Continued efficiency gains through expense management and digital capabilities Positioned to drive earnings growth supported by credit, capital, and risk discipline Note: financial data as of 3/31/2026; current year for operating leverage is YTD annualized

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![Slide 3](wsbc-ex99_1s3.jpg)

Diversified Regional Financial Institution with Scale and Reach Who We Are Assets $27.5 billion Deposits $21.7 billion Loans $19.1 billion Wealth AUM $10.4 billion Loan Growth CAGR 7.4% Operations 10 states Highlights Top 50 largest publicly-traded financial institution Diversified Loan and Deposit Mix Note: data as of 3/31/2026; Wealth AUM represents Trust and Investment Services assets under management and broker-dealer securities account values (including annuities); loan growth CAGR since 12/31/2021

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![Slide 4](wsbc-ex99_1s4.jpg)

Focused on 5 Priorities to Support Long-Term Value Creation Business & Strategy Grow fee income by deepening client relationships across Wealth, Trust, Treasury, and Commercial derivative services Drive deposit-funded loan growth by expanding in existing and new markets and enhancing product and solution offerings Long-Term Value Creation Expand into select high-growth markets while aligning distribution channels with demand in existing markets Generate operating leverage through disciplined investments, operational efficiencies, and expense management Deliver long-term value through sustainable returns, balance sheet management, and shareholder distributions Disciplined Capital Allocation Positive Operating Leverage Fee Income Growth Strategic Market Expansion & Distribution Organic Loan and Deposit Growth 1 2 3 4 5

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![Slide 5](wsbc-ex99_1s5.jpg)

Complementary Consumer/Commercial Franchise Fuels Loan Growth Organic Loan and Deposit Growth Note: data as of 3/31/2026; loan growth CAGR since 12/31/2021; total funding defined as customer deposits + FHLB borrowings + Fed Funds; industry defined as all publicly traded U.S. banks; peers defined as all U.S. banks with assets between $20B and $50B (source: S&P Capital IQ); new customers under the age of 45 represents the last twelve months Commercial Banking Platform Driving 7% Loan Growth CAGR Capabilities Scalable Integrated Platform Business Banking C&I and CRE Lending Cash Management Fraud Prevention Private Banking Trust Services Working Capital Industry Expertise Commercial Real Estate Construction Healthcare Manufacturing Public Sector Retail Small and Middle Markets Small to Middle Market Focus Up to $250 million in revenues Strong Granular Core Deposit Franchise ~65% new customers under the age of 45 $100+MM Unique long-term deposit generation annually 89% average loan-to-deposit ratio Balanced Commercial and Consumer Mix 96% of total funding from deposits, compared to 89% for the industry

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![Slide 6](wsbc-ex99_1s6.jpg)

Diversified Loan Portfolio Built for Growth Organic Loan and Deposit Growth Note: data as of 3/31/2026; Healthcare is included in LCD CRE, Owner Occupied CRE, Improved Property CRE, and C&I Commercial & Industrial (C&I) Hiring and growth strategies focused on relationship banking Talent, support, and infrastructure to support C&I spectrum Commercial Real Estate (CRE) Continued portfolio growth and concentration management Focus on markets for growth to balance economic diversity Healthcare Vertical Focus on primary bank relationships through targeted direct calling on sponsors across the continuum of care Core team of experts focused exclusively on generating healthcare-related loans, deposits and fees Residential Mortgage Wide range of both portfolio and saleable products Strong emphasis on customer service and retention LCD CRE 8% Owner Occupied CRE 15% Improved Property CRE 34% C&I 15% memo: Healthcare 5% Total Loans

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![Slide 7](wsbc-ex99_1s7.jpg)

Structural Deposit Funding Advantage Driving Sustained Growth Favorable funding cost advantage of 1.77% as compared to 1.80% for peers Unique long-term deposit advantage generating $100+ million annually Granular, sticky core deposits support organic growth with average $30,000 deposit size and 10+ year account tenure Organic Loan and Deposit Growth Note: data as of 3/31/2026; deposit balance chart are period-ends; funding cost chart are quarterly averages and include non-interest bearing deposits; peers defined as all U.S. banks with total assets between $20B and $50B (source: S&P Capital IQ) and represent simple averages

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![Slide 8](wsbc-ex99_1s8.jpg)

(annualized) Treasury Management Deep legacy and expertise across Trust Services, Private Client, and Securities Brokerage Treasury Management capabilities for cash-flow optimization, earnings enhancement, and fraud-mitigation Back-to-back swap program provides interest rate risk mitigation for both customers and WesBanco Fee Income Growth Note: data as of 3/31/2026; Wealth Management: Trust represents Trust & Investment Services assets under management, Securities represents Securities Brokerage account values (including annuities), Private Client represents private client loans outstandings plus deposits; CAGRs: Trust since 12/31/2001, Securities since 12/31/2021, Private Client since 12/31/2013 CAGRs: Trust 4%; Securities 16%; Private Client 32% Wealth & Treasury Provide Capital-Light, Long-Term Growth Levers

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![Slide 9](wsbc-ex99_1s9.jpg)

Disciplined Market Expansion Accretive to Shareholder Value Market Expansion & Distribution Note: data as of 3/31/2026; Premier Financial figures represent 12 months ending 3/31/2026 compared to the acquisition model published 7/26/2024 (acquisition closed 2/28/2025); MSA demographic data based on U.S. Census data (source: S&P Capital IQ); ATL = Atlanta MSA; BNA = Nashville MSA; MIA = Ft Lauderdale, Miami, West Palm Beach MSA Focused on high-growth markets, using loan production offices (LPO) as an efficient entry model Opened 5 LPOs (2022-2025) generating $800MM in loans and 25% of pipeline, with 2 additional Florida LPOs in 2026 Acquired Premier Financial, delivering 49% core EPS accretion in 9 months, exceeding the 40% first year projection Median Household Income (HHI) 2026-31 HHI Growth 2026-31 Population Growth

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![Slide 10](wsbc-ex99_1s10.jpg)

Proven LPO Strategy to Enter and Grow in Attractive Markets Market Expansion & Distribution Stage 1 – Launch Select seasoned team (market leader + bankers) Focus on relationship-led commercial lending Access to credit, treasury, and wealth capabilities Centralized underwriting with consistent credit standards Stage 2 – Grow Ramp pipeline and production to targeted profitability run-rate within 12-18 months Expand commercial bankers, support staff Deepen deposit and fee relationships Selectively add treasury management teams Chattanooga: LPO to franchise operations in under 3 years Launched with small commercial banking team focused on targeted client segments Achieved profitability targets through loan portfolio and fee income growth and in-market deposit funding Selectively expanding team aligned with demand Added producers and support staff as pipeline and client engagement reached sustainable levels Opened full-service financial center August 2023 April 2026 Stage 3 – Establish Franchise Convert to full-service commercial locations when market-defined thresholds are met Add retail, residential, and wealth management capabilities as economics justify Maintain capital and expense discipline

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![Slide 11](wsbc-ex99_1s11.jpg)

Optimizing Our Delivery Channels for Efficiency and Growth Evaluating financial center network annually to identify optimization opportunities Reinvesting resources in new locations in high-opportunity markets Evolving digital and branch delivery models to drive efficiency and elevate client experiences Operating Leverage and Expense Management Rationalize: Reviewing annually for improvement or rationalization 100+ financial center closures since 2019 Net annual savings of $8 million per year from 37 closures in January and May 2026 Targeting top-quartile average deposits per financial center versus peers, over long term Reinvest: Reinvesting resources in markets and locations with strong demand, including Tennessee and Florida Increasing average deposits per branch by 47% since 12/31/2021 Note: data as of 3/31/2026; annual savings figure as disclosed on 10/22/2025 (27 locations) and 4/22/2026 (10 locations); average deposits per branch reflect both deposit growth and location closures; digital statistics are current year-to-date figures Evolve: Migrating transactions to more efficient channels with greater convenience and flexibility Enhancing all digital channels to deliver a more seamless, connected experience Achieving strong digital adoption with ~80% of retail customers using; averaging 7.5 million logins per month

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![Slide 12](wsbc-ex99_1s12.jpg)

(1) Growth and Expense Discipline Driving Positive Operating Leverage Disciplined expense management and investment aligned with growth priorities Technology and talent-enabled efficiency gains to streamline processes and boost productivity Focus on operating leverage for all strategic investments – target $2 return for each $1 invested Operating Leverage and Expense Management Technology-Enabled Productivity Gains Advancing automation and AI initiatives to improve efficiency, reduce costs, and enhance scalability across loan operations, call center, and credit underwriting Commercial Banker Productivity Strong talent management driving 2x higher loan production per banker since 2021 Incentives tied to profitable growth and credit quality Note: data as of 12/31 unless otherwise stated; balance sheet data as of period-end; non-interest expense to total assets are year-to-date periods (1) Non-GAAP measure – please see reconciliation in appendix; non-interest expense excludes restructuring and merger-related expenses Efficiency ratio 52.5%

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![Slide 13](wsbc-ex99_1s13.jpg)

Well-Capitalized with Strategic Flexibility Organic accretion of tangible book value of ~$0.75 per share and CET1 ratio of 5-10 basis points per quarter Capital levels exceed well-capitalized standards, supporting loan growth, dividends, and opportunistic investment Balanced approach to shareholder returns and long-term growth strategies Disciplined Capital Allocation CET1 Ratio Tangible Book Value per Share(1) memo: long-term target 10.5-11.0% Note: data as of quarter ending 12/31; current year data as of 3/31/2026 (1) Non-GAAP measure – please see reconciliation in appendix; non-interest expense excludes restructuring and merger-related expenses

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![Slide 14](wsbc-ex99_1s14.jpg)

Favorable Return Measures Compared to Peers Sustainable Value Creation Note: data is year-to-date for dates specified; peers defined as all U.S. banks with total assets between $20B and $50B (source: S&P Capital IQ) and represent simple averages; non-interest expense does not exclude restructuring & merger-related expenses; please see reconciliations in the appendix (1) Non-GAAP measure – please see reconciliation in appendix; non-interest expense excludes restructuring and merger-related expenses

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![Slide 15](wsbc-ex99_1s15.jpg)

Favorable Credit Quality Measures Compared to Peers Sustainable Value Creation Note: data as of period-end for dates specified; peers defined as all U.S. banks with total assets between $20B and $50B (source: S&P Capital IQ) and represent simple averages except criticized & classified loans as % of total loans which is a weighted average

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![Slide 16](wsbc-ex99_1s16.jpg)

Well-Positioned to Deliver Value Creation Business & Financial Outlook 2026 Outlook (as stated on 4/22/2026) 2025 Baseline 2026 (shown on an operating basis) Loans (end of period) $19,226MM Mid-single digit growth (annual) Total Commercial Loan Pipeline $1,200MM (as of 12/31/2025) $2,200MM (includes Florida)(as of 4/22/2026) Commercial Real Estate Payoffs $910MM $700-900MM (annual) Q2 below Q1 level H2 at a more historical level Net Interest Margin 3.53% Q2  low 3.60% range Mid-to-high 3.60% range Non-Interest Income $167MM 3-5% growth per quarter (year-over-year) Non-Interest Expense (excluding restructuring and merger-related expenses) $549MM Q2  $150MM range Q3 increase a couple percentage points from Q2 due to mid-year merit increases Full Year Tax Rate 20.1% 20-21% (annual) Note: current year outlook is provided on a year-over-year basis, unless otherwise stated, and compared to the prior year

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![Slide 17](wsbc-ex99_1s17.jpg)

Appendix

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![Slide 18](wsbc-ex99_1s18.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.

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![Slide 19](wsbc-ex99_1s19.jpg)

Experienced Management Team with Proven Execution Record Jeffrey H. Jackson President & Chief Executive Officer Daniel K. Weiss, Jr. Senior Executive Vice President & Chief Financial Officer CEO of the Corporation and Bank since 2023; previously served as President & COO Former EVP & COO of regional banking at First Horizon Bank; held regional leadership roles across Florida, Southeast Tennessee and Atlanta 30+ years of leadership experience spanning the banking and technology industries, including 15 years at IBM CFO since 2022; previously Chief Accounting Officer and Corporate Controller 15+ years with Bank in progressive finance leadership roles 20+ years of experience, including in public accounting for Deloitte Executive Management

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![Slide 20](wsbc-ex99_1s20.jpg)

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![Slide 21](wsbc-ex99_1s21.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

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![Slide 22](wsbc-ex99_1s22.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

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![Slide 23](wsbc-ex99_1s23.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

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![Slide 24](wsbc-ex99_1s24.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

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![Slide 25](wsbc-ex99_1s25.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)

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![Slide 26](wsbc-ex99_1s26.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

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![Slide 27](wsbc-ex99_1s27.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

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![Slide 28](wsbc-ex99_1s28.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

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![Slide 29](wsbc-ex99_1s29.jpg)

Non-Interest Expense to Total Assets, Efficiency Ratio, & Operating Leverage Note: "non-interest expense to total assets" are annualized by utilizing the actual numbers of days in the quarter versus the year; "efficiency ratio" is non-interest expense excluding restructuring and merger-related expense divided by total income; FTE represents fully taxable equivalent; the current period is YTD annualized, as appropriate, for current period vs. 12/31/2021 operating leverage; merger closings: Premier Financial Corporation 2/28/2025; Old Line Bancshares 11/22/2019 Reconciliation

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![Slide 30](wsbc-ex99_1s30.jpg)

Tangible Book Value per Share Reconciliation

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![Slide 31](wsbc-ex99_1s31.jpg)

Return on Average Assets (1) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year Note: Current Expected Credit Losses ("CECL") accounting standard adopted January 1, 2020 by WSBC; Premier Financial Corporation merger closed 2/28/2025 Reconciliation

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![Slide 32](wsbc-ex99_1s32.jpg)

Returns on Average Tangible Equity and Average Tangible Common Equity (1) Amortization of intangibles tax effected at 21% for all prior periods (2) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year Note: Current Expected Credit Losses ("CECL") accounting standard adopted January 1, 2020 by WSBC; Premier Financial Corporation merger closed 2/28/2025 Reconciliation

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![Slide 33](wsbc-ex99_1s33.jpg)

Net Income and Diluted Earnings per Share (EPS) Reconciliation