WesBanco, Inc. (NASDAQ: WSBC) posts 61% Q2 profit jump and stronger margin

Rhea-AI Filing Summary

WesBanco reported strong results for the quarter and six months ended June 30, 2026. Net income available to common shareholders in Q2 2026 was $88.4 million, with diluted EPS of $0.91, up from $54.9 million and $0.57 in Q2 2025. For the first half of 2026, net income available to common shareholders was $172.8 million, or $1.79 per diluted share, compared to $43.4 million, or $0.50 per diluted share, in the prior-year period.

On a non-GAAP basis excluding after-tax restructuring and merger-related costs, diluted EPS was $0.92 in Q2 2026 versus $0.91 a year earlier, and $1.83 for the first half versus $1.60. Annualized loan growth reached 8.3% sequentially and 3.5% year-over-year, with the commercial loan pipeline at a record $2.3 billion. Net interest margin improved to 3.63%, and net interest income rose to $222.2 million, up 2.5% year-over-year.

Non-interest income increased 22.0% year-over-year to $53.6 million, helped by higher swap fees, service charges, and a non-recurring $4.8 million pension-related gain. The efficiency ratio improved to a record low 51.2% as non-interest expense excluding restructuring grew only modestly. Credit quality remained solid, with Q2 net charge-offs at 0.02% of average loans and an allowance for credit losses equal to 1.12% of total portfolio loans. Total assets were $27.8 billion, deposits $21.6 billion, and the common equity Tier 1 capital ratio was 10.70%. WesBanco repurchased 0.3 million shares for $9.7 million during the quarter.

Positive

• Net income available to common shareholders rose 61.1% year-over-year in Q2 2026, reaching $88.4 million, while diluted EPS increased to $0.91 from $0.57.
• First-half 2026 profitability expanded sharply, with net income available to common shareholders of $172.8 million and diluted EPS of $1.79, up 298.6% and 258.0% versus the 2025 period.
• Operating efficiency and revenue mix improved, as the efficiency ratio fell to a record 51.2%, net interest margin rose to 3.63%, and non-interest income grew 22.0% year-over-year.

Negative

• None.

Filing Explained

As of June 30, 2026, WesBanco had $230 million of Series B preferred liquidation preference and 4.5 million shares left under repurchase authorizations.

As a Form 8-K, this filing reports a material event: WesBanco disclosed completed results for the three and six months ended June 30, 2026. At that date, its equity structure included 230,000 Series B preferred shares with a $230.0 million liquidation preference and 95,869,209 common shares outstanding.

The company repurchased 0.3 million common shares for $9.7 million during the quarter, while approximately 4.5 million shares remained available under existing repurchase authorizations. The remaining amount is authorization capacity, not a reported commitment that those shares will be bought.

The filing also reports preferred-stock dividends for the quarter before net income available to common shareholders was reported; the preferred Series B shares are described as 7.375% non-cumulative and perpetual.

The next dated milestone is the July 22, 2026 earnings conference call. Planned financial-center openings in Florida during the first half of 2027 remain plans in this disclosure, not completed openings.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income available to common shareholders Q2 2026: $88.4 million Diluted EPS Q2 2026: $0.91 Net interest income Q2 2026: $222.2 million +5 more

8 metrics

Net income available to common shareholders Q2 2026 $88.4 million Quarter ended June 30, 2026; up 61.1% year-over-year

Diluted EPS Q2 2026 $0.91 Quarter ended June 30, 2026; up from $0.57 in Q2 2025

Net interest income Q2 2026 $222.2 million Net interest income for the second quarter of 2026, up 2.5% year-over-year

Non-interest income Q2 2026 $53.6 million Non-interest income for the second quarter of 2026, up 22.0% year-over-year

Efficiency ratio Q2 2026 51.2% Record low efficiency ratio for the quarter ended June 30, 2026

Net interest margin Q2 2026 3.63% Net interest margin for the second quarter of 2026, 4 basis points higher year-over-year

Total assets $27.8 billion Total assets as of June 30, 2026

Common equity Tier 1 capital ratio 10.70% CET1 ratio at June 30, 2026

Key Terms

net interest margin, efficiency ratio, allowance for credit losses, non-performing loans, +1 more

5 terms

net interest margin financial

"Net interest margin (3) | | 3.60 | | | | 3.48"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

efficiency ratio financial

"efficiency ratio more than 1 percentage point both year-over-year"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

allowance for credit losses financial

"The allowance for credit losses to total portfolio loans at June 30, 2026 was 1.12%"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

non-performing loans financial

"Non-performing loans remained flat to the first quarter as the three credits added"

Loans on a bank’s books where the borrower has stopped making scheduled payments for a prolonged period (commonly about 90 days), so the lender no longer expects full repayment on time. Think of them as overdue IOUs that may never be paid back; a rising level of such loans weakens a lender’s earnings and balance sheet, signals greater credit risk in the economy, and can hurt investors through lower dividends, loan losses, or declines in the lender’s stock value.

tangible common equity financial

"the tangible common equity to tangible assets ratio was 8.44%"

Tangible common equity is the portion of a company’s net worth that belongs to ordinary shareholders after removing intangible items (like goodwill or patents) and any preferred claims; it’s often expressed on a per-share basis. Think of it as the hard, sellable value left for common owners if you removed non-physical assets and paid off debts—investors use it to judge how much real cushion a company has and whether the stock might be under- or over-valued.

Earnings Snapshot

Net income available to common shareholders Q2 2026: $88.4 million

three and six months ended June 30, 2026

Net income available to common shareholders Q2 2026 $88.4 million up 61.1% versus Q2 2025

Diluted EPS Q2 2026 $0.91 up 59.6% versus $0.57 in Q2 2025

Net interest income Q2 2026 $222.2 million up 2.5% year-over-year

Non-interest income Q2 2026 $53.6 million up 22.0% year-over-year

Return on average assets Q2 2026 1.29% up from 0.81% in Q2 2025

Net interest margin Q2 2026 3.63% up from 3.59% in Q2 2025

Efficiency ratio Q2 2026 51.17% improved from 52.30% in Q2 2025

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FAQ

How did WesBanco (WSBC) perform financially in the second quarter of 2026?

WesBanco delivered much stronger earnings in Q2 2026, with net income available to common shareholders of $88.4 million and diluted EPS of $0.91. That compares to $54.9 million and $0.57 in Q2 2025, reflecting higher margin, fee income, and lower restructuring costs.

What were WesBanco (WSBC)’s first-half 2026 results versus 2025?

For the six months ended June 30, 2026, WesBanco reported net income available to common shareholders of $172.8 million, or $1.79 diluted EPS. This was sharply higher than $43.4 million and $0.50 per diluted share in the 2025 period, aided by lower merger-related and credit-loss charges.

How did loans and deposits trend for WesBanco (WSBC) as of June 30, 2026?

WesBanco’s total portfolio loans reached $19.5 billion, up 3.5% year-over-year after $650 million of organic growth and elevated CRE payoffs. Deposits were $21.6 billion, up 2.1% year-over-year, with 49% in demand deposits and 24% in non-interest bearing balances.

What was WesBanco (WSBC)’s net interest margin and net interest income in Q2 2026?

In Q2 2026, WesBanco’s net interest margin was 3.63%, improving 4 basis points year-over-year, supported by lower funding costs and higher loan yields. Net interest income totaled $222.2 million, a 2.5% increase from the prior-year quarter as borrowing costs declined and securities yields improved.

How strong was WesBanco (WSBC)’s asset quality at June 30, 2026?

Asset quality remained solid, with net charge-offs at 0.02% of total average loans in Q2 2026 and a 1.12% allowance for credit losses to total portfolio loans. Non-performing loans were essentially flat versus the prior quarter as a few credits identified earlier continued to be addressed.

What capital and share repurchase actions did WesBanco (WSBC) report?

WesBanco reported strong capital, including a 10.70% common equity Tier 1 ratio and 8.44% tangible common equity to tangible assets at June 30, 2026. During Q2, the company repurchased 0.3 million common shares for $9.7 million, or $33.55 per share, leaving 4.5 million shares authorized.

How did non-interest income and efficiency metrics change for WesBanco (WSBC)?

Non-interest income in Q2 2026 rose 22.0% year-over-year to $53.6 million, driven by higher swap fees, service charges, and a $4.8 million pension-related gain. The efficiency ratio improved to 51.2%, more than one percentage point better year-over-year and quarter-over-quarter.

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

FORM 8-K

CURRENT REPORT

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

  Date of Report (Date of earliest event reported): July 21, 2026

WESBANCO, INC.

(Exact name of Registrant as Specified in Its Charter)

West Virginia			001-39442	55-0571723
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer 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

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:

Title of each class		Trading Symbol(s)		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 and six months ended June 30, 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 second quarter of 2026 on Wednesday, July 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 2665203. The replay will begin at approximately 11:00 a.m. ET on July 22, 2026, and end at 12 a.m. ET on August 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 - Press release dated July 21, 2026 announcing the earnings for the three and six months ended June 30, 2026.

99.2 - Second quarter 2026 earnings conference call presentation.

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.

			Wesbanco, Inc. (registrant)
Date:	July 21, 2026		/s/ Daniel K. Weiss, Jr.
			Daniel K. Weiss, Jr. Senior Executive Vice President and Chief Financial Officer

WesBanco Announces Second Quarter 2026 Financial Results

Marked by strong annualized loan growth, top-tier efficiency ratio, and accelerating growth in targeted expansion markets

Wheeling, WVa. (July 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 June 30, 2026. Net income available to common shareholders for the second quarter of 2026 was $88.4 million, with diluted earnings per share of $0.91, compared to $54.9 million and $0.57 per diluted share, respectively, for the second quarter of 2025. For the six months ended June 30, 2026, net income was $172.8 million, or $1.79 per diluted share, compared to $43.4 million, or $0.50 per diluted share, for the 2025 period.

As noted below, WesBanco reported $0.92 of earnings per diluted share, in the second quarter, as compared to $0.91 in the prior year period, when excluding after-tax restructuring and merger-related expenses (non-GAAP measures). On a similar basis and excluding the after-tax day one provision for credit losses on acquired loans, WesBanco reported $1.83 per diluted share, for the six month period, as compared to $1.60 per diluted share last year (non-GAAP measures).

		For the Three Months Ended June 30,																For the Six Months Ended June 30,
		2026								2025								2026								2025
(unaudited, dollars in thousands, except per share amounts)		Net Income				Diluted Earnings Per Share				Net Income				Diluted Earnings Per Share				Net Income				Diluted Earnings Per Share				Net Income				Diluted Earnings Per Share
Net income available to common shareholders (GAAP)		$	88,437			$	0.91			$	54,884			$	0.57			$	172,832			$	1.79			$	43,360			$	0.50
Add: After-tax restructuring and merger-related expenses			792				0.01				32,434				0.34				3,726				0.04				48,242				0.56
Add: After-tax day one provision for credit losses on acquired loans			-				-				-				-				-				-				46,926				0.54
Adjusted net income available to common shareholders (Non-GAAP) (1)		$	89,229			$	0.92			$	87,318			$	0.91			$	176,558			$	1.83			$	138,528			$	1.60
(1) See non-GAAP financial measures for additional information relating to the calculation of these items.

Financial and operational highlights for the quarter ended June 30, 2026:

•Generated annualized loan growth of 8.3% over the sequential quarter and 3.5% year-over-year as organic growth across all markets more than offset higher commercial real estate (“CRE”) payoffs of approximately $345 million, which impacted year-over-year loan growth by 1.0%

•Grew commercial loan pipeline to a record $2.3 billion as of June 30, 2026, reflecting strong business development activity and growing opportunities across all markets, with an average loan to deposit ratio of 88.9% that provides substantial capacity to fund loan growth

•Increased net interest margin 4 basis points year-over-year to 3.63%, primarily driven by lower funding costs and asset repricing

•Achieved record fee income levels across securities brokerage, digital banking, and service charges on deposits, as well as record levels of trust assets under management and securities account values

•Improved efficiency ratio more than 1 percentage point both year-over-year and quarter-over-quarter to a record low of 51.2%, primarily due to a focus on driving positive operating leverage

•Advanced our organic growth strategy and commercial momentum in targeted expansion markets, including Northern Virginia, Tennessee, and South Florida; and, positioning the Florida franchise for continued growth through planned financial center openings during the first half of 2027

•Recently recognized as one of America’s High Growth Companies by Business Insider and one of America’s Best Companies by Time

“Our strong second quarter performance reflects the continued success of our relationship-focused banking model and disciplined growth strategy,” said Jeff Jackson, President and Chief Executive Officer, WesBanco. “We generated annualized loan growth of more than 8%, expanded our commercial loan pipeline to a record $2.3 billion, and generated positive operating leverage, demonstrating our ability to drive profitable growth across the franchise. With a solid funding position and strong momentum across our markets – particularly our Premier and expansion markets in Northern Virginia, Tennessee, and Florida – we are well-positioned for continued growth.”

Balance Sheet

WesBanco’s balance sheet, as of June 30, 2026, reflects organic growth and the impact of elevated CRE payoffs. Total assets increased 0.8% year-over-year to $27.8 billion, including total portfolio loans of $19.5 billion and total securities of $4.4 billion. Total portfolio loans increased 3.5% year-over-year due to organic growth of $650 million partially offset by higher CRE payoffs. As anticipated, CRE payoffs continued to remain elevated and totaled approximately $345 million during the second quarter of 2026, consistent with the elevated quarterly levels incurred during the prior nine months. The commercial loan pipeline has grown 90% since year-end to a record $2.3 billion, as of June 30, 2026.

Deposits of $21.6 billion increased 2.1% year-over-year due to organic growth that more than offset the decline in higher cost certificates of deposit (CDs). Despite the closure of 37 financial centers this year, deposits were down only $75 million, or 0.4%, on a sequential quarter basis reflecting the remaining $50 million of brokered deposits that paid off on April 1st and the decline in higher cost CDs. Total deposits excluding CDs increased 4.3% year-over-year and 1.3% annualized sequentially. Total demand deposits represented 49% of total deposits, with the non-interest bearing component representing 24%.

Credit Quality

As of June 30, 2026, credit quality measures have remained in consistent range, from a historical perspective. Non-performing loans remained flat to the first quarter as the three credits added last quarter continue to be addressed. Net charge-offs for the second quarter were 0.02% of total average loans. The allowance for credit losses to total portfolio loans at June 30, 2026 was 1.12% of total loans, or $217.8 million. The second quarter net provision for credit losses of $9.2 million was primarily due to higher loan balances. Excluded from the allowance for credit losses and the related coverage ratio is a remaining unaccreted discount on purchased loans from acquisitions representing 1.41% of total portfolio loans.

Net Interest Margin and Income

The second quarter margin of 3.63% improved 4 basis points year-over-year primarily due to lower funding costs and 6 basis points sequentially due to higher loan yields and lower funding costs. Deposit funding costs of 235 basis points for the second quarter of 2026 decreased 11 basis points from the prior year period and were flat to the first quarter. When including non-interest bearing deposits, deposit funding costs for the second quarter were 178 basis points.

Net interest income for the second quarter of 2026 was $222.2 million, an increase of $5.4 million, or 2.5% year-over-year, reflecting lower FHLB borrowing and deposit costs and higher securities yields. For the six months ended June 30, 2026, net interest income of $437.6 million increased $62.3 million, or 16.6%, primarily due to the reasons discussed for the three-month period comparison and higher loan balances.

Non-Interest Income

For the second quarter of 2026, non-interest income of $53.6 million increased $9.7 million, or 22.0%, from the second quarter of 2025 due primarily to higher net swap and valuation income, service charges on deposits, and other income. Gross swap fees were $2.8 million in the second quarter, compared to $1.4 million in the prior year period, while the fair value adjustment was $0.3 million, compared to a loss of $0.7 million in the prior year period. Service charges on deposits increased $1.1 million year-over-year due to increased general spending and higher transaction volumes from our larger customer base, as well as an increase in monthly fees that took effect during June. Other income for the second quarter of 2026 included a non-recurring $4.8 million gain related to the freezing of future service for actively employed participants in the pension plan. Mortgage banking income decreased $1.3 million from the prior year period primarily due to more mortgage volume going into portfolio loans.

Primarily reflecting the items discussed above, as well as trust fees and net securities brokerage revenue, non-interest income, for the six months ended June 30, 2026, increased $16.8 million, or 21.4%, year-over-year to $95.5 million. Reflecting record asset levels, trust fees and net securities brokerage revenue increased $1.9 million and $1.1 million, respectively, due to the addition of PFC wealth clients, market value appreciation, and organic growth.

Non-Interest Expense

Non-interest expense, excluding restructuring and merger-related costs, for the three months ended June 30, 2026 was $148.1 million, a $2.6 million, or 1.8%, increase year-over-year primarily due to higher salaries and wages offset by discretionary expense management. Salaries and wages of $66.4 million increased due to recent hiring efforts, primarily in Florida, and bonus accrual adjustments. FDIC insurance expense of $4.2 million decreased due to a lower assessment rate associated with our improved financial ratios. Equipment and software of $2.3 million, which was consistent with the last several quarters, decreased $1.5 million year-over-year due to the cost of operating two core systems in the prior year related to the PFC acquisition until the conversion to one platform in mid-May 2025. Amortization of intangible assets of $7.1 million, which was consistent with the last couple quarters, decreased $2.1 million year-over-year due to the core deposit intangible asset that was created from the acquisition of PFC in the prior year. Restructuring and merger-related expenses decreased $40.1 million from the prior year period, which included costs associated with the closing of the PFC acquisition.

Excluding restructuring and merger-related expenses, non-interest expense during the first half of 2026 of $291.1 million increased $31.6 million, or 12.2%, compared to the prior year period, due primarily to the expenses described above.

Capital

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 June 30, 2026, Tier I leverage was 9.83%, Tier I risk-based capital ratio was 11.72%, common equity Tier 1 capital ratio (“CET 1”) was 10.70%, and total risk-based capital was 14.18%. In addition, the tangible common equity to tangible assets ratio was 8.44%.

During the second quarter, WesBanco repurchased 0.3 million shares of its outstanding common stock on the open market at a total cost of $9.7 million, or $33.55 per share. As of June 30, 2026, approximately 4.5 million shares remained for repurchase under the combination of the 4.0 million share repurchase authorization approved by WesBanco’s Board of Directors on May 20, 2026 and the remainder of the February 24, 2022 authorization.

Conference Call and Webcast

WesBanco will host a conference call to discuss the Company's financial results for the second quarter of 2026 at 9:00 a.m. ET on Wednesday, July 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 July 22, 2026, and end at 12 a.m. ET on August 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).

Forward-Looking Statements

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”) including WesBanco’s Form 10-Q for the quarter ended March 31, 2026, 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.

Non-GAAP Financial Measures

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.

About WesBanco, Inc.

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 $27.8 billion in total assets, with our Trust and Investment Services holding $8.2 billion of assets under management and securities account values (including annuities) of $2.7 billion through our broker/dealer, as of June 30, 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.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands, except shares and per share amounts)
			For the Three Months Ended												For the Six Months Ended
	STATEMENT OF INCOME		June 30,												June 30,
			2026				2025				% Change				2026				2025				% Change
	Interest and dividend income
	Loans, including fees		$	287,916			$	290,104				(0.8	)		$	568,904			$	508,512				11.9
	Interest and dividends on securities:
	Taxable			32,083				31,066				3.3				63,526				53,314				19.2
	Tax-exempt			4,833				4,616				4.7				9,657				9,145				5.6
	Total interest and dividends on securities			36,916				35,682				3.5				73,183				62,459				17.2
	Other interest income			8,219				10,596				(22.4	)			16,587				18,643				(11.0	)
	Total interest and dividend income			333,051				336,382				(1.0	)			658,674				589,614				11.7
	Interest expense
	Interest bearing demand deposits			30,567				30,405				0.5				59,935				59,782				0.3
	Money market deposits			33,650				36,287				(7.3	)			65,804				57,422				14.6
	Savings deposits			11,029				8,670				27.2				21,147				16,029				31.9
	Certificates of deposit			20,590				21,442				(4.0	)			43,181				39,999				8.0
	Total interest expense on deposits			95,836				96,804				(1.0	)			190,067				173,232				9.7
	Federal Home Loan Bank borrowings			10,390				16,683				(37.7	)			21,705				29,718				(27.0	)
	Other short-term borrowings			565				816				(30.8	)			1,163				1,938				(40.0	)
	Subordinated debt and junior subordinated debt			4,098				5,310				(22.8	)			8,177				9,438				(13.4	)
	Total interest expense			110,889				119,613				(7.3	)			221,112				214,326				3.2
	Net interest income			222,162				216,769				2.5				437,562				375,288				16.6
	Provision for credit losses			9,185				3,218				185.4				8,288				72,101				(88.5	)
	Net interest income after provision for credit losses			212,977				213,551				(0.3	)			429,274				303,187				41.6
	Non-interest income
	Trust fees			9,830				9,657				1.8				20,272				18,355				10.4
	Service charges on deposits			11,546				10,484				10.1				22,507				19,070				18.0
	Digital banking income			7,410				7,325				1.2				14,008				12,730				10.0
	Net swap fee and valuation income			3,135				746				320.2				4,197				1,706				146.0
	Net securities brokerage revenue			3,670				3,348				9.6				7,142				6,049				18.1
	Bank-owned life insurance			4,317				3,450				25.1				8,127				6,878				18.2
	Mortgage banking income			1,055				2,364				(55.4	)			1,974				3,504				(43.7	)
	Net securities gains			1,644				1,410				16.6				1,631				1,092				49.4
	Net gains on other real estate owned and other assets			2,036				111			NM					2,583				71			NM
	Other income			8,989				5,062				77.6				13,021				9,167				42.0
	Total non-interest income			53,632				43,957				22.0				95,462				78,622				21.4
	Non-interest expense
	Salaries and wages			66,402				60,153				10.4				130,366				108,730				19.9
	Employee benefits			19,148				18,857				1.5				36,759				31,827				15.5
	Net occupancy			7,863				8,119				(3.2	)			16,393				15,897				3.1
	Equipment and software			15,640				17,140				(8.8	)			31,317				30,190				3.7
	Marketing			2,271				1,864				21.8				3,798				4,246				(10.6	)
	FDIC insurance			4,168				5,479				(23.9	)			8,951				9,666				(7.4	)
	Amortization of intangible assets			7,141				9,204				(22.4	)			14,301				13,427				6.5
	Restructuring and merger-related expense			1,003				41,056				(97.6	)			4,716				61,066				(92.3	)
	Other operating expenses			25,450				24,663				3.2				49,187				45,451				8.2
	Total non-interest expense			149,086				186,535				(20.1	)			295,788				320,500				(7.7	)
	Income before provision for income taxes			117,523				70,973				65.6				228,948				61,309				273.4
	Provision for income taxes			24,846				13,558				83.3				47,635				12,886				269.7
	Net Income			92,677				57,415				61.4				181,313				48,423				274.4
	Preferred stock dividends			4,240				2,531				67.5				8,481				5,063				67.5
	Net income available to common shareholders		$	88,437			$	54,884				61.1			$	172,832			$	43,360				298.6
	Taxable equivalent net interest income		$	223,447			$	217,996				2.5			$	440,129			$	377,719				16.5
	Per common share data
	Net income per common share - basic		$	0.92			$	0.57				61.4			$	1.80			$	0.50				260.0
	Net income per common share - diluted			0.91				0.57				59.6				1.79				0.50				258.0
	Adjusted net income per common share - diluted, excluding certain items (1) (2)			0.92				0.91				1.1				1.83				1.60				14.4
	Dividends declared			0.38				0.37				2.7				0.76				0.74				2.7
	Book value (period end)			40.53				38.28				5.9				40.53				38.28				5.9
	Tangible book value (period end) (1)			22.98				20.48				12.2				22.98				20.48				12.2
	Average common shares outstanding - basic			96,028,958				95,744,980				0.3				96,066,022				86,339,970				11.3
	Average common shares outstanding - diluted			96,703,880				95,808,310				0.9				96,506,410				86,466,701				11.6
	Period end common shares outstanding			95,869,209				95,986,023				(0.1	)			95,869,209				95,986,023				(0.1	)
	Period end preferred shares outstanding			230,000				150,000				53.3				230,000				150,000				53.3
	(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.
	NM - Not Meaningful

WESBANCO, INC.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands, unless otherwise noted)
	Selected ratios
		For the Six Months Ended
		June 30,
		2026				2025				% Change
	Return on average assets		1.27		%		0.36		%		252.78		%
	Return on average assets, excluding certain items (1) (2)		1.29				1.14				13.16
	Return on average equity		8.50				2.51				238.65
	Return on average equity, excluding certain items (1) (2)		8.69				8.01				8.49
	Return on average tangible equity (1)		15.40				5.38				186.25
	Return on average tangible equity, excluding certain items (1) (2)		15.71				14.85				5.79
	Return on average tangible common equity (1)		16.98				5.79				193.26
	Return on average tangible common equity, excluding certain items (1) (2)		17.33				15.99				8.38
	Yield on earning assets (3)		5.41				5.46				(0.92	)
	Cost of interest bearing liabilities		2.50				2.73				(8.42	)
	Net interest spread (3)		2.91				2.73				6.59
	Net interest margin (3)		3.60				3.48				3.45
	Efficiency (1) (3)		51.83				53.91				(3.86	)
	Average loans to average deposits		88.97				89.42				(0.50	)
	Annualized net loan charge-offs/average loans		0.09				0.09				-
	Effective income tax rate		20.81				21.02				(1.00	)

	For the Three Months Ended
	June 30,				Mar. 31,				Dec. 31,				Sept. 30,				June 30,
	2026				2026				2025				2025				2025
Return on average assets		1.29		%		1.24		%		1.13		%		1.17		%		0.81		%
Return on average assets, excluding certain items (1) (2)		1.30				1.29				1.17				1.30				1.28
Return on average equity		8.63				8.38				7.58				8.25				5.76
Return on average equity, excluding certain items (1) (2)		8.71				8.67				7.85				9.16				9.17
Return on average tangible equity (1)		15.56				15.25				13.93				15.86				11.27
Return on average tangible equity, excluding certain items (1) (2)		15.69				15.74				14.39				17.48				17.16
Return on average tangible common equity (1)		17.14				16.82				15.87				17.26				12.06
Return on average tangible common equity, excluding certain items (1) (2)		17.28				17.37				16.39				19.03				18.36
Yield on earning assets (3)		5.44				5.38				5.51				5.58				5.56
Cost of interest bearing liabilities		2.50				2.50				2.62				2.79				2.69
Net interest spread (3)		2.94				2.88				2.88				2.79				2.87
Net interest margin (3)		3.63				3.57				3.61				3.53				3.59
Efficiency (1) (3)		51.17				52.54				51.62				52.13				52.30
Average loans to average deposits		88.89				89.05				88.78				89.41				89.47
Annualized net loan charge-offs and recoveries /average loans		0.02				0.16				0.06				0.19				0.09
Effective income tax rate		21.14				20.45				20.51				19.10				19.10
Trust and Investment Services assets under management (4)	$	8,227			$	7,810			$	7,886			$	7,688			$	7,205
Broker-dealer securities account values (including annuities) (4)	$	2,704			$	2,574			$	2,481			$	2,588			$	2,554
(1) See non-GAAP financial measures for additional information relating to the calculation of this item.
(2) 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.
(3) 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.
(4) Represents market value at period end, in millions.

WESBANCO, INC.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands, except shares)
																	% Change
			June 30,											December 31,			June 30, 2026
	Balance sheets		2026				2025				% Change			2025			to Dec. 31, 2025
	Assets
	Cash and due from banks		$	226,961			$	402,755				(43.6	)	$	204,860			10.8
	Due from banks - interest bearing			644,813				754,275				(14.5	)		751,249			(14.2	)
	Securities:
	Equity securities, at fair value			19,060				29,538				(35.5	)		30,809			(38.1	)
	Available-for-sale debt securities, at fair value			3,312,972				3,222,819				2.8			3,288,332			0.7
	Held-to-maturity debt securities (fair values of $1,005,725, $1,006,110 and $1,035,957 respectively)			1,107,751				1,137,782				(2.6	)		1,132,114			(2.2	)
	Allowance for credit losses - held-to-maturity debt securities			(165	)			(178	)			7.3			(168	)		1.8
	Net held-to-maturity debt securities			1,107,586				1,137,604				(2.6	)		1,131,946			(2.2	)
	Total securities			4,439,618				4,389,961				1.1			4,451,087			(0.3	)
	Loans held for sale			57,318				123,019				(53.4	)		87,454			(34.5	)
	Portfolio loans:
	Commercial real estate			11,093,370				10,600,210				4.7			10,938,834			1.4
	Commercial and industrial			2,949,863				2,819,096				4.6			2,863,893			3.0
	Residential real estate			3,939,813				3,939,796				0.0			3,938,585			0.0
	Home equity			1,191,809				1,052,334				13.3			1,129,394			5.5
	Consumer			304,111				417,190				(27.1	)		355,726			(14.5	)
	Total portfolio loans, net of unearned income			19,478,966				18,828,626				3.5			19,226,432			1.3
	Allowance for credit losses - loans			(217,775	)			(223,866	)			2.7			(218,749	)		0.4
	Net portfolio loans			19,261,191				18,604,760				3.5			19,007,683			1.3
	Premises and equipment, net			248,200				274,137				(9.5	)		263,240			(5.7	)
	Accrued interest receivable			102,342				106,410				(3.8	)		106,651			(4.0	)
	Goodwill and other intangible assets, net			1,709,084				1,745,170				(2.1	)		1,723,385			(0.8	)
	Bank-owned life insurance			562,297				552,051				1.9			557,512			0.9
	Other assets			545,093				619,038				(11.9	)		543,212			0.3
	Total Assets		$	27,796,917			$	27,571,576				0.8		$	27,696,333			0.4
	Liabilities
	Deposits:
	Non-interest bearing demand		$	5,287,995			$	5,328,181				(0.8	)	$	5,376,767			(1.7	)
	Interest bearing demand			5,364,937				4,865,091				10.3			5,186,880			3.4
	Money market			5,012,414				4,825,154				3.9			5,072,039			(1.2	)
	Savings deposits			3,335,823				3,192,943				4.5			3,157,782			5.6
	Certificates of deposit			2,591,047				2,943,187				(12.0	)		2,875,372			(9.9	)
	Total deposits			21,592,216				21,154,556				2.1			21,668,840			(0.4	)
	Federal Home Loan Bank borrowings			1,350,000				1,750,000				(22.9	)		1,200,000			12.5
	Other short-term borrowings			88,419				103,666				(14.7	)		110,679			(20.1	)
	Subordinated debt and junior subordinated debt			308,837				357,762				(13.7	)		308,529			0.1
	Total borrowings			1,747,256				2,211,428				(21.0	)		1,619,208			7.9
	Accrued interest payable			17,567				25,967				(32.3	)		19,150			(8.3	)
	Other liabilities			330,193				360,405				(8.4	)		357,222			(7.6	)
	Total Liabilities			23,687,232				23,752,356				(0.3	)		23,664,420			0.1
	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			-				144,484				(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			224,187				-				100.0			224,187			-
	Common stock, $2.0833 par value; 200,000,000 shares authorized; 96,191,910, 95,986,023 and 96,067,559 shares issued; 95,869,209, 95,986,023 and 96,067,559 shares outstanding, respectively			200,396				199,967				0.2			200,137			0.1
	Capital surplus			2,498,629				2,485,458				0.5			2,490,440			0.3
	Retained earnings			1,352,870				1,165,058				16.1			1,252,765			8.0
	Treasury stock (322,701, 0 and 0 shares - at cost, respectively)			(10,924	)			-				100.0			-			100.0
	Accumulated other comprehensive loss			(153,157	)			(173,644	)			11.8			(133,320	)		(14.9	)
	Deferred benefits for directors			(2,316	)			(2,103	)			(10.1	)		(2,296	)		(0.9	)
	Total Shareholders' Equity			4,109,685				3,819,220				7.6			4,031,913			1.9
	Total Liabilities and Shareholders' Equity		$	27,796,917			$	27,571,576				0.8		$	27,696,333			0.4

WESBANCO, INC.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands, except shares)
			June 30,				March 31,
	Balance sheets		2026				2026				% Change
	Assets
	Cash and due from banks		$	226,961			$	214,453				5.8
	Due from banks - interest bearing			644,813				745,957				(13.6	)
	Securities:
	Equity securities, at fair value			19,060				30,256				(37.0	)
	Available-for-sale debt securities, at fair value			3,312,972				3,298,237				0.4
	Held-to-maturity (fair values of $1,005,725 and $1,011,303 respectively)			1,107,751				1,120,597				(1.1	)
	Allowance for credit losses - held-to-maturity debt securities			(165	)			(151	)			(9.3	)
	Net held-to-maturity debt securities			1,107,586				1,120,446				(1.1	)
	Total securities			4,439,618				4,448,939				(0.2	)
	Loans held for sale			57,318				59,281				(3.3	)
	Portfolio loans:
	Commercial real estate			11,093,370				10,902,275				1.8
	Commercial and industrial			2,949,863				2,785,440				5.9
	Residential real estate			3,939,813				3,920,209				0.5
	Home equity			1,191,809				1,149,878				3.6
	Consumer			304,111				324,879				(6.4	)
	Total portfolio loans, net of unearned income			19,478,966				19,082,681				2.1
	Allowance for credit losses - loans			(217,775	)			(210,023	)			(3.7	)
	Net portfolio loans			19,261,191				18,872,658				2.1
	Premises and equipment, net			248,200				251,325				(1.2	)
	Accrued interest receivable			102,342				105,288				(2.8	)
	Goodwill and other intangible assets, net			1,709,084				1,716,225				(0.4	)
	Bank-owned life insurance			562,297				560,773				0.3
	Other assets			545,093				507,556				7.4
	Total Assets		$	27,796,917			$	27,482,455				1.1
	Liabilities
	Deposits:
	Non-interest bearing demand		$	5,287,995			$	5,223,034				1.2
	Interest bearing demand			5,364,937				5,505,382				(2.6	)
	Money market			5,012,414				4,904,510				2.2
	Savings deposits			3,335,823				3,306,044				0.9
	Certificates of deposit			2,591,047				2,729,304				(5.1	)
	Total deposits			21,592,216				21,668,274				(0.4	)
	Federal Home Loan Bank borrowings			1,350,000				975,000				38.5
	Other short-term borrowings			88,419				114,068				(22.5	)
	Subordinated debt and junior subordinated debt			308,837				308,683				0.0
	Total borrowings			1,747,256				1,397,751				25.0
	Accrued interest payable			17,567				19,917				(11.8	)
	Other liabilities			330,193				325,905				1.3
	Total Liabilities			23,687,232				23,411,847				1.2
	Shareholders' Equity
	Preferred stock, no par value; 1,000,000 shares authorized; 230,000 shares 7.375% non-cumulative perpetual preferred stock, Series B, liquidation preference $230.0 million, issued and outstanding, respectively			224,187				224,187				-
	Common stock, $2.0833 par value; 200,000,000 shares authorized; 96,191,910 and 96,134,158 shares issued; 95,869,209 and 96,134,158 shares outstanding, respectively			200,396				200,276				0.1
	Capital surplus			2,498,629				2,495,091				0.1
	Retained earnings			1,352,870				1,300,628				4.0
	Treasury stock (322,701 and 0 shares - at cost, respectively)			(10,924	)			-				100.0
	Accumulated other comprehensive loss			(153,157	)			(147,195	)			(4.1	)
	Deferred benefits for directors			(2,316	)			(2,379	)			2.6
	Total Shareholders' Equity			4,109,685				4,070,608				1.0
	Total Liabilities and Shareholders' Equity		$	27,796,917			$	27,482,455				1.1

WESBANCO, INC.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands)
			For the Three Months Ended June 30,																For the Six Months Ended June 30,
			2026								2025								2026								2025
	Average balance sheet and		Average			Average					Average			Average					Average			Average					Average			Average
	net interest margin analysis		Balance			Rate					Balance			Rate					Balance			Rate					Balance			Rate
	Assets
	Due from banks - interest bearing		$	716,620			3.89		%		$	746,583			4.79		%		$	731,085			3.90		%		$	675,962			4.76		%
	Loans, net of unearned income (1)			19,240,187			6.00					18,903,459			6.16					19,214,689			5.97					16,823,658			6.10
	Securities: (2)
	Taxable			3,921,258			3.28					3,881,680			3.21					3,912,760			3.27					3,567,118			3.01
	Tax-exempt (3)			733,614			3.34					731,866			3.20					736,525			3.35					732,482			3.19
	Total securities			4,654,872			3.29					4,613,546			3.21					4,649,285			3.29					4,299,600			3.04
	Other earning assets			57,148			8.86					87,138			7.75					59,697			8.26					74,336			7.31
	Total earning assets (3)			24,668,827			5.44		%			24,350,726			5.56		%			24,654,756			5.41		%			21,873,556			5.46		%
	Other assets			2,845,563								2,953,974								2,867,704								2,586,357
	Total Assets		$	27,514,390							$	27,304,700							$	27,522,460							$	24,459,913
	Liabilities and Shareholders' Equity
	Interest bearing demand deposits		$	5,432,483			2.26		%		$	4,885,687			2.50		%		$	5,380,121			2.25		%		$	4,531,324			2.66		%
	Money market accounts			4,936,974			2.73					4,830,592			3.01					4,919,115			2.70					4,025,925			2.88
	Savings deposits			3,318,841			1.33					3,122,815			1.11					3,278,372			1.30					2,865,410			1.13
	Certificates of deposit			2,662,394			3.10					2,960,970			2.90					2,744,568			3.17					2,575,458			3.13
	Total interest bearing deposits			16,350,692			2.35					15,800,064			2.46					16,322,176			2.35					13,998,117			2.50
	Federal Home Loan Bank borrowings			1,040,934			4.00					1,585,821			4.22					1,097,790			3.99					1,378,552			4.35
	Repurchase agreements			101,809			2.23					118,988			2.75					104,581			2.24					140,829			2.78
	Subordinated debt and junior subordinated debt			308,740			5.32					357,379			5.96					308,663			5.34					331,488			5.74
	Total interest bearing liabilities (4)			17,802,175			2.50		%			17,862,252			2.69		%			17,833,210			2.50		%			15,848,986			2.73		%
	Non-interest bearing demand deposits			5,294,900								5,328,576								5,275,299								4,816,070
	Other liabilities			306,434								294,359								315,135								308,189
	Shareholders' equity			4,110,881								3,819,513								4,098,816								3,486,668
	Total Liabilities and Shareholders' Equity		$	27,514,390							$	27,304,700							$	27,522,460							$	24,459,913
	Taxable equivalent net interest spread						2.94		%						2.87		%						2.91		%						2.73		%
	Taxable equivalent net interest margin						3.63		%						3.59		%						3.60		%						3.48		%
	(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual loans and loans held for sale. Loan fees included in interest income on loans were $2.1 million and $2.5 million for the three months ended June 30, 2026 and 2025, respectively, and were $3.9 million and $4.1 million for the six months ended June 30, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $14.7 million and $16.5 million for the three months ended June 30, 2026 and 2025, respectively, and was $28.0 million and $23.3 million for the six months ended June 30, 2026 and 2025, respectively.
	(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.
	(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.1 million and $5.6 million for the three months ended June 30, 2026 and 2025, respectively, and was $0.4 million and $7.8 million for the six months ended June 30, 2026 and 2025, respectively.

WESBANCO, INC.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands, except shares and per share amounts)
			Quarter Ended
			June 30,				March 31,				Dec. 31,				Sept. 30,				June 30,
	Statement of Income		2026				2026				2025				2025				2025
	Interest and dividend income
	Loans, including fees		$	287,916			$	280,989			$	293,208			$	295,482			$	290,104
	Interest and dividends on securities:
	Taxable			32,083				31,443				31,546				31,483				31,066
	Tax-exempt			4,833				4,824				4,865				4,692				4,616
	Total interest and dividends on securities			36,916				36,267				36,411				36,175				35,682
	Other interest income			8,219				8,368				9,821				11,229				10,596
	Total interest and dividend income			333,051				325,624				339,440				342,886				336,382
	Interest expense
	Interest bearing demand deposits			30,567				29,368				29,821				31,351				30,405
	Money market deposits			33,650				32,151				36,166				38,249				36,287
	Savings deposits			11,029				10,119				9,570				9,577				8,670
	Certificates of deposit			20,590				22,591				24,235				23,554				21,442
	Total interest expense on deposits			95,836				94,229				99,792				102,731				96,804
	Federal Home Loan Bank borrowings			10,390				11,316				11,378				17,337				16,683
	Other short-term borrowings			565				598				730				766				816
	Subordinated debt and junior subordinated debt			4,098				4,080				5,243				5,336				5,310
	Total interest expense			110,889				110,223				117,143				126,170				119,613
	Net interest income			222,162				215,401				222,297				216,716				216,769
	Provision for credit losses			9,185				(897	)			3,059				2,082				3,218
	Net interest income after provision for credit losses			212,977				216,298				219,238				214,634				213,551
	Non-interest income
	Trust fees			9,830				10,442				9,745				8,987				9,657
	Service charges on deposits			11,546				10,961				11,159				11,163				10,484
	Digital banking income			7,410				6,599				6,422				7,324				7,325
	Net swap fee and valuation income			3,135				1,062				3,959				3,231				746
	Net securities brokerage revenue			3,670				3,472				2,836				2,961				3,348
	Bank-owned life insurance			4,317				3,811				4,458				3,765				3,450
	Mortgage banking income			1,055				919				791				1,898				2,364
	Net securities gains / (losses)			1,644				(13	)			1,077				1,210				1,410
	Net gains / (losses) on other real estate owned and other assets			2,036				546				(824	)			329				111
	Other income			8,989				4,032				3,647				3,996				5,062
	Total non-interest income			53,632				41,831				43,270				44,864				43,957
	Non-interest expense
	Salaries and wages			66,402				63,964				61,664				60,583				60,153
	Employee benefits			19,148				17,611				17,148				18,040				18,857
	Net occupancy			7,863				8,529				8,522				8,819				8,119
	Equipment and software			15,640				15,678				16,110				16,310				17,140
	Marketing			2,271				1,526				2,636				2,979				1,864
	FDIC insurance			4,168				4,784				5,411				5,820				5,479
	Amortization of intangible assets			7,141				7,160				7,217				8,425				9,204
	Restructuring and merger-related expense			1,003				3,713				3,483				11,383				41,056
	Other operating expenses			25,450				23,740				25,697				23,829				24,663
	Total non-interest expense			149,086				146,705				147,888				156,188				186,535
	Income before provision for income taxes			117,523				111,424				114,620				103,310				70,973
	Provision for income taxes			24,846				22,789				23,510				19,737				13,558
	Net Income			92,677				88,635				91,110				83,573				57,415
	Preferred stock dividends			4,240				4,240				12,948				2,531				2,531
	Net income available to common shareholders		$	88,437			$	84,395			$	78,162			$	81,042			$	54,884
	Taxable equivalent net interest income		$	223,447			$	216,683			$	223,590			$	217,963			$	217,996
	Per common share data
	Net income per common share - basic		$	0.92			$	0.88			$	0.81			$	0.84			$	0.57
	Net income per common share - diluted			0.91				0.88				0.81				0.84				0.57
	Adjusted net income per common share - diluted, excluding certain items (1) (2)			0.92				0.91				0.84				0.94				0.91
	Dividends declared			0.38				0.38				0.38				0.37				0.37
	Book value (period end)			40.53				40.01				39.64				39.02				38.28
	Tangible book value (period end) (1)			22.98				22.45				22.01				21.29				20.48
	Average common shares outstanding - basic			96,028,958				96,103,497				96,053,336				95,995,174				95,744,980
	Average common shares outstanding - diluted			96,703,880				96,309,352				96,226,845				96,116,617				95,808,310
	Period end common shares outstanding			95,869,209				96,134,158				96,067,559				96,044,222				95,986,023
	Period end preferred shares outstanding			230,000				230,000				230,000				380,000				150,000
	Full time equivalent employees			2,996				2,973				3,030				3,064				3,253
	(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.

WESBANCO, INC.
Consolidated Selected Financial Highlights
(unaudited, dollars in thousands)
			Quarter Ended
			June 30,				March 31,				Dec. 31,				Sept. 30,				June 30,
	Asset quality data		2026				2026				2025				2025				2025
	Non-performing assets:
	Total non-performing loans		$	146,058			$	145,008			$	91,584			$	94,463			$	84,319
	Other real estate and repossessed assets			1,391				1,323				907				997				958
	Total non-performing assets		$	147,449			$	146,331			$	92,491			$	95,460			$	85,277
	Past due loans (1):
	Loans past due 30-89 days		$	67,388			$	89,877			$	91,199			$	80,333			$	65,401
	Loans past due 90 days or more			21,783				16,210				37,783				19,430				20,890
	Total past due loans		$	89,171			$	106,087			$	128,982			$	99,763			$	86,291
	Loans past due 30-89 days / total portfolio loans			0.35		%		0.47		%		0.47		%		0.42		%		0.35		%
	Loans past due 90 days or more / total portfolio loans			0.11				0.08				0.20				0.10				0.11
	Non-performing loans / total portfolio loans			0.75				0.76				0.48				0.50				0.45
	Non-performing assets/total portfolio loans, other    real estate and repossessed assets			0.76				0.77				0.48				0.50				0.45
	Non-performing assets / total assets			0.53				0.53				0.33				0.35				0.31
	Allowance for credit losses
	Allowance for credit losses - loans		$	217,775			$	210,023			$	218,749			$	217,666			$	223,866
	Allowance for credit losses - loan commitments			7,740				7,212				6,950				7,628				6,168
	Provision for credit losses			9,185				(897	)			3,059				2,082				3,218
	Net loan and deposit account overdraft charge-offs and recoveries			892				7,584				2,666				8,867				4,329
	Annualized net loan charge-offs and recoveries / average loans			0.02		%		0.16		%		0.06		%		0.19		%		0.09		%
	Allowance for credit losses - loans / total portfolio loans			1.12		%		1.10		%		1.14		%		1.15		%		1.19		%
	Allowance for credit losses - loans / non-performing loans			1.49		x		1.45		x		2.39		x		2.30		x		2.65		x
	Allowance for credit losses - loans / non-performing loans    and loans past due			0.93		x		0.84		x		0.99		x		1.12		x		1.31		x
			Quarter Ended
			June 30,				March 31,				Dec. 31,				Sept. 30,				June 30,
			2026				2026				2025				2025				2025
	Capital ratios
	Tier I leverage capital			9.83		%		9.63		%		9.42		%		9.72		%		8.66		%
	Tier I risk-based capital			11.72				11.72				11.42				11.83				10.59
	Total risk-based capital			14.18				14.19				13.92				14.58				13.40
	Common equity tier 1 capital ratio (CET 1)			10.70				10.67				10.37				10.10				9.90
	Average shareholders' equity to average assets			14.94				14.84				14.88				14.22				13.99
	Tangible equity to tangible assets (2)			9.29				9.24				8.99				9.35				8.16
	Tangible common equity to tangible assets (2)			8.44				8.37				8.13				7.92				7.60
	(1) Excludes non-performing loans.
	(2) See non-GAAP financial measures for additional information relating to the calculation of this ratio.

NON-GAAP FINANCIAL MEASURES
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																				Year to Date
				June 30,				Mar. 31,				Dec. 31,				Sept. 30,				June 30,				June 30,
		(unaudited, dollars in thousands, except shares and per share amounts)		2026				2026				2025				2025				2025				2026			2025
		Return on average assets, excluding certain items:
		Net income available to common shareholders		$	88,437			$	84,395			$	78,162			$	81,042			$	54,884			$	172,832		$	43,360
		Add: after-tax restructuring and merger-related expenses (1)			792				2,933				2,752				8,993				32,434				3,726			48,242
		Add: after-tax day one provision for credit losses on acquired loans (1)			-				-				-				-				-				-			46,926
		Net income available to common shareholders, excluding certain items			89,229				87,328				80,914				90,035				87,318				176,558			138,528
		Average total assets		$	27,514,390			$	27,530,620			$	27,481,963			$	27,419,726			$	27,304,700			$	27,522,460		$	24,459,913
		Return on average assets, excluding certain items (annualized) (2)			1.30	%			1.29	%			1.17	%			1.30	%			1.28	%			1.29	%		1.14	%
		Return on average equity, excluding certain items:
		Net income available to common shareholders		$	88,437			$	84,395			$	78,162			$	81,042			$	54,884			$	172,832		$	43,360
		Add: after-tax restructuring and merger-related expenses (1)			792				2,933				2,752				8,993				32,434				3,726			48,242
		Add: after-tax day one provision for credit losses on acquired loans (1)			-				-				-				-				-				-			46,926
		Net income available to common shareholders excluding certain items			89,229				87,328				80,914				90,035				87,318				176,558			138,528
		Average total shareholders' equity		$	4,110,881			$	4,086,617			$	4,088,456			$	3,898,142			$	3,819,513			$	4,098,816		$	3,486,668
		Return on average equity, excluding certain items (annualized) (2)			8.71	%			8.67	%			7.85	%			9.16	%			9.17	%			8.69	%		8.01	%
		Return on average tangible equity:
		Net income available to common shareholders		$	88,437			$	84,395			$	78,162			$	81,042			$	54,884			$	172,832		$	43,360
		Add: amortization of intangibles (1)			5,641				5,656				5,701				6,656				7,271				11,298			10,607
		Net income available to common shareholders before amortization of intangibles			94,078				90,051				83,863				87,698				62,155				184,130			53,967
		Average total shareholders' equity			4,110,881				4,086,617				4,088,456				3,898,142				3,819,513				4,098,816			3,486,668
		Less: average goodwill and other intangibles, net of def. tax liability			(1,685,204	)			(1,691,156	)			(1,700,188	)			(1,704,105	)			(1,608,358	)			(1,688,164	)		(1,461,946	)
		Average tangible equity		$	2,425,677			$	2,395,461			$	2,388,268			$	2,194,037			$	2,211,155			$	2,410,652		$	2,024,722
		Return on average tangible equity (annualized) (2)			15.56	%			15.25	%			13.93	%			15.86	%			11.27	%			15.40	%		5.38	%
		Average tangible common equity		$	2,201,490			$	2,171,274			$	2,096,528			$	2,015,329			$	2,066,671			$	2,186,465		$	1,880,238
		Return on average tangible common equity (annualized) (2)			17.14	%			16.82	%			15.87	%			17.26	%			12.06	%			16.98	%		5.79	%
		Return on average tangible equity, excluding certain items:
		Net income available to common shareholders		$	88,437			$	84,395			$	78,162			$	81,042			$	54,884			$	172,832		$	43,360
		Add: after-tax restructuring and merger-related expenses (1)			792				2,933				2,752				8,993				32,434				3,726			48,242
		Add: amortization of intangibles (1)			5,641				5,656				5,701				6,656				7,271				11,298			10,607
		Add: after-tax day one provision for credit losses on acquired loans (1)			-				-				-				-				-				-			46,926
		Net income available to common shareholders before amortization of intangibles and excluding certain items			94,870				92,984				86,615				96,691				94,589				187,856			149,135
		Average total shareholders' equity			4,110,881				4,086,617				4,088,456				3,898,142				3,819,513				4,098,816			3,486,668
		Less: average goodwill and other intangibles, net of def. tax liability			(1,685,204	)			(1,691,156	)			(1,700,188	)			(1,704,105	)			(1,608,358	)			(1,688,164	)		(1,461,946	)
		Average tangible equity		$	2,425,677			$	2,395,461			$	2,388,268			$	2,194,037			$	2,211,155			$	2,410,652		$	2,024,722
		Return on average tangible equity, excluding certain items (annualized) (2)			15.69	%			15.74	%			14.39	%			17.48	%			17.16	%			15.71	%		14.85	%
		Average tangible common equity		$	2,201,490			$	2,171,274			$	2,096,528			$	2,015,329			$	2,066,671			$	2,186,465		$	1,880,238
		Return on average tangible common equity, excluding certain items (annualized) (2)			17.28	%			17.37	%			16.39	%			19.03	%			18.36	%			17.33	%		15.99	%

		Three Months Ended																				Year to Date
		June 30,				Mar. 31,				Dec. 31,				Sept. 30,				June 30,				June 30,
(unaudited, dollars in thousands, except shares and per share amounts)		2026				2026				2025				2025				2025				2026			2025
Efficiency ratio:
Non-interest expense		$	149,086			$	146,705			$	147,888			$	156,188			$	186,535			$	295,788		$	320,500
Less: amortization of intangibles			(7,141	)			(7,160	)			(7,217	)			(8,245	)			(9,204	)			(14,301	)		(13,427	)
Less: restructuring and merger-related expense			(1,003	)			(3,713	)			(3,483	)			(11,383	)			(41,056	)			(4,716	)		(61,066	)
Non-interest expense excluding restructuring and merger-related expense			140,942				135,832				137,188				136,380				136,275				276,771			246,007
Net interest income on a fully taxable equivalent basis			223,447				216,683				223,590				217,963				217,996				440,129			377,719
Non-interest income, excluding net securities gains (losses)			51,988				41,844				42,193				43,654				42,547				93,831			78,622
Net interest income on a fully taxable equivalent basis plus non-interest income		$	275,435			$	258,527			$	265,783			$	261,617			$	260,543			$	533,960		$	456,341
Efficiency ratio			51.17	%			52.54	%			51.62	%			52.13	%			52.30	%			51.83	%		53.91	%
Adjusted net income available to common shareholders, excluding certain items:
Net income available to common shareholders		$	88,437			$	84,395			$	78,162			$	81,042			$	54,884			$	172,832		$	43,360
Add: after-tax restructuring and merger-related expenses (1)			792				2,933				2,752				8,993				32,434				3,726			48,242
Add: after-tax day one provision for credit losses on acquired loans (1)			-				-				-				-				-				-			46,926
Adjusted net income available to common shareholders, excluding certain items:		$	89,229			$	87,328			$	80,914			$	90,035			$	87,318			$	176,558		$	138,528
Adjusted net income per common share - diluted, excluding certain items:
Net income per common share - diluted		$	0.91			$	0.88			$	0.81			$	0.84			$	0.57			$	1.79		$	0.50
Add: after-tax restructuring and merger-related expenses per common share - diluted (1)			0.01				0.03				0.03				0.10				0.34				0.04			0.56
Add: after-tax day one provision for credit losses on acquired loans (1)			-				-				-				-				-				-			0.54
Adjusted net income per common share - diluted, excluding certain items:		$	0.92			$	0.91			$	0.84			$	0.94			$	0.91			$	1.83		$	1.60
		Period End
		June 30,				March 31,				Dec. 31,				Sept. 30,				June 30,
		2026				2026				2025				2025				2025
Tangible book value per share:
Total shareholders' equity		$	4,109,685			$	4,070,608			$	4,031,913			$	4,116,527			$	3,819,220
Less: goodwill and other intangible assets, net of def. tax liability			(1,682,457	)			(1,688,098	)			(1,693,755	)			(1,702,916	)			(1,709,001	)
Less: preferred shareholder's equity			(224,187	)			(224,187	)			(224,187	)			(368,867	)			(144,484	)
Tangible common equity			2,203,041				2,158,323				2,113,971				2,044,744				1,965,735
Common shares outstanding			95,869,209				96,134,158				96,067,559				96,044,222				95,986,023
Tangible book value per share		$	22.98			$	22.45			$	22.01			$	21.29			$	20.48
Tangible common equity to tangible assets:
Total shareholders' equity		$	4,109,685			$	4,070,608			$	4,031,913			$	4,116,527			$	3,819,220
Less: goodwill and other intangible assets, net of def. tax liability			(1,682,457	)			(1,688,098	)			(1,693,755	)			(1,702,916	)			(1,709,001	)
Tangible equity			2,427,228				2,382,510				2,338,158				2,413,611				2,110,219
Less: preferred shareholders' equity			(224,187	)			(224,187	)			(224,187	)			(368,867	)			(144,484	)
Tangible common equity			2,203,041				2,158,323				2,113,971				2,044,744				1,965,735
Total assets			27,796,917				27,482,455				27,696,333				27,518,042				27,571,576
Less: goodwill and other intangible assets, net of def. tax liability			(1,682,457	)			(1,688,098	)			(1,693,755	)			(1,702,916	)			(1,709,001	)
Tangible assets		$	26,114,460			$	25,794,357			$	26,002,578			$	25,815,126			$	25,862,575
Tangible equity to tangible assets			9.29	%			9.24	%			8.99	%			9.35	%			8.16	%
Tangible common equity to tangible assets			8.44	%			8.37	%			8.13	%			7.92	%			7.60	%
(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.

ADDITIONAL NON-GAAP FINANCIAL MEASURES
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																				Year to Date
				June 30,				Mar. 31,				Dec. 31,				Sept. 30,				June 30,				June 30,
		(unaudited, dollars in thousands, except shares and per share amounts)		2026				2026				2025				2025				2025				2026			2025
		Pre-tax, pre-provision income:
		Income before provision for income taxes		$	117,523			$	111,424			$	114,620			$	103,310			$	70,973			$	228,948		$	61,309
		Add: provision for credit losses			9,185				(897	)			3,059				2,082				3,218				8,288			72,101
		Pre-tax, pre-provision income		$	126,708			$	110,527			$	117,679			$	105,392			$	74,191			$	237,236		$	133,410
		Pre-tax, pre-provision income, excluding restructuring and merger-related expenses:
		Income before provision for income taxes		$	117,523			$	111,424			$	114,620			$	103,310			$	70,973			$	228,948		$	61,309
		Add: provision for credit losses			9,185				(897	)			3,059				2,082				3,218				8,288			72,101
		Add: restructuring and merger-related expenses			1,003				3,713				3,483				11,383				41,056				4,716			61,066
		Pre-tax, pre-provision income, excluding restructuring and merger-related expenses		$	127,711			$	114,240			$	121,162			$	116,775			$	115,247			$	241,952		$	194,476
		Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses:
		Income before provision for income taxes		$	117,523			$	111,424			$	114,620			$	103,310			$	70,973			$	228,948		$	61,309
		Add: provision for credit losses			9,185				(897	)			3,059				2,082				3,218				8,288			72,101
		Add: restructuring and merger-related expenses			1,003				3,713				3,483				11,383				41,056				4,716			61,066
		Pre-tax, pre-provision income, excluding restructuring and merger-related expenses			127,711				114,240				121,162				116,775				115,247				241,952			194,476
		Average total assets		$	27,514,390			$	27,530,620			$	27,481,963			$	27,419,726			$	27,304,700			$	27,522,460		$	24,459,913
		Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses (annualized) (2)			1.86	%			1.68	%			1.75	%			1.69	%			1.69	%			1.77	%		1.60	%
		Pre-tax, pre-provision return on average equity, excluding restructuring and merger-related expenses:
		Income before provision for income taxes		$	117,523			$	111,424			$	114,620			$	103,310			$	70,973			$	228,948		$	61,309
		Add: provision for credit losses			9,185				(897	)			3,059				2,082				3,218				8,288			72,101
		Add: restructuring and merger-related expenses			1,003				3,713				3,483				11,383				41,056				4,716			61,066
		Pre-tax, pre-provision income, excluding restructuring and merger-related expenses			127,711				114,240				121,162				116,775				115,247				241,952			194,476
		Average total shareholders' equity		$	4,110,881			$	4,086,617			$	4,088,456			$	3,898,142			$	3,819,513			$	4,098,816		$	3,486,668
		Pre-tax, pre-provision return on average equity, excluding restructuring and merger-related expenses (annualized) (2)			12.46	%			11.34	%			11.76	%			11.88	%			12.10	%			11.90	%		11.25	%
		Pre-tax, pre-provision return on average tangible equity, excluding certain items (1):
		Income before provision for income taxes		$	117,523			$	111,424			$	114,620			$	103,310			$	70,973			$	228,948		$	61,309
		Add: provision for credit losses			9,185				(897	)			3,059				2,082				3,218				8,288			72,101
		Add: amortization of intangibles			7,141				7,160				7,217				8,425				9,204				14,301			13,427
		Add: restructuring and merger-related expenses			1,003				3,713				3,483				11,383				41,056				4,716			61,066
		Pre-tax, pre-provision income before restructuring and merger-related expenses and amortization of intangibles			134,852				121,400				128,379				125,200				124,451				256,253			207,903
		Average total shareholders' equity			4,110,881				4,086,617				4,088,456				3,898,142				3,819,513				4,098,816			3,486,668
		Less: average goodwill and other intangibles, net of def. tax liability			(1,685,204	)			(1,691,156	)			(1,700,188	)			(1,704,105	)			(1,608,358	)			(1,688,164	)		(1,461,946	)
		Average tangible equity		$	2,425,677			$	2,395,461			$	2,388,268			$	2,194,037			$	2,211,155			$	2,410,652		$	2,024,722
		Pre-tax, pre-provision return on average tangible equity, excluding certain items (annualized) (1) (2)			22.30	%			20.55	%			21.33	%			22.64	%			22.58	%			21.44	%		20.71	%
		Average tangible common equity		$	2,201,490			$	2,171,274			$	2,096,528			$	2,015,329			$	2,066,671			$	2,186,465		$	1,880,238
		Pre-tax, pre-provision return on average tangible common equity, excluding certain items (annualized) (1) (2)			24.57	%			22.68	%			24.29	%			24.65	%			24.15	%			23.63	%		22.30	%
		(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.

Second Quarter 2026 Earnings Call Presentation July 21, 2026

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”) including WesBanco’s Form 10-Q for the quarter ended March 31, 2026, 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. 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.

Generated annualized loan growth of 8.3% over the sequential quarter and 3.5% year-over-year as organic growth across all markets more than offset higher CRE payoffs of approximately $345 million, which impacted year-over-year loan growth by 1.0% Grew commercial loan pipeline to a record $2.3 billion as of June 30, 2026, reflecting strong business development activity and growing opportunities across all markets Average loan to deposit ratio of 88.9% that provides substantial capacity to fund loan growth Increased net interest margin 4 basis points year-over-year to 3.63%, driven by lower funding costs and asset repricing Achieved record fee income levels across securities brokerage, digital banking, and service charges on deposits, as well as record levels of trust assets under management and securities account values Improved efficiency ratio more than 1 percentage point both year-over-year and quarter-over-quarter to a record low of 51.2%, primarily due to a focus on driving positive operating leverage Advanced our organic growth strategy and commercial momentum in targeted expansion markets, including Northern Virginia, Tennessee, and South Florida Positioning the Florida franchise for continued growth through planned financial center openings by the first quarter of 2027 Recently recognized as one of America’s High Growth Companies by Business Insider and one of America’s Best Companies by Time Strong Annualized Loan Growth, Top-Tier Efficiency Ratio Net Income Available to Common Shareholders and Diluted EPS(1) $89.2 million; $0.92/share Net Interest Margin +4bp YoY; +6bp QoQ Total Loan Growth +8.3% QoQ annualized +3.5% YoY or +4.5%, excluding CRE payoff headwind Total Deposit Growth +2.1% YoY Return on Average Tangible Common Equity(1) 17.3% CET1 Capital Ratio 10.7% Note: financial and operational highlights for the quarter ended June 30, 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 – excludes certain items – please see reconciliation in appendix Q2 2026 Financial and Operational Highlights

Note: PTPP = pre-tax, pre-provision (1) Non-GAAP measure – excludes certain items – 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 Q2 2026 Financial and Operational Highlights

Strong Annualized Loan Growth that Outpaced CRE Payoffs Note: commercial payoffs and new originations and associated yields (in charts above); C&I = Commercial & Industrial Q2 2026 Total Portfolio Loans Total loans of $19.5 billion increased $650 million, or 3.5%, YoY and $396 million, or 8.3% annualized, QoQ, driven by commercial and home equity lending CRE loan payoffs remained elevated and totaled approximately $345 million for the second quarter of 2026, consistent with the elevated quarterly levels incurred during the prior nine months, which negatively impacted YoY loan growth by approximately 1% Commercial loan pipeline a record $2.3 billion, as of 6/30/2026 45% of pipeline from loan production offices and PFC markets Florida pipeline contributed approximately $250 million C&I line utilization was approximately 38% for Q2 2026

Deposit Growth Remained Solid Note: “uninsured deposits” are approximated; “collateralized municipal deposits” are collateralized by securities Q2 2026 Total Deposits Total deposits increased $438 million, or 2.1%, YoY to $21.6 billion, driven by demand deposits, money market, and savings account growth which more than offset the intentional run-off of $352 million of higher cost certificates of deposit Despite the closure of 37 financial centers this year, deposits were down only $75 million, or 0.4%, on a sequential quarter basis reflecting the remaining $50 million of brokered deposits that paid off on April 1st and the decline in higher cost CDs Total demand deposits continued to represent 49% of total deposits Distribution: consumer 51%, business 33%, and public funds, which are separately collateralized, 16% Average loans to average deposits were 88.9%, providing continued capacity to fund loan growth

Tangible common equity to tangible assets ratio(1) = 8.44% Weighted average yield = 3.29% [vs. 3.21% last year] Weighted average duration = 4.3 Total unrealized securities losses (after-tax): Available for Sale (“AFS”) = $161MM Held to Maturity (“HTM”)(2) = $78MM 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 Q2 2026 Total Securities

Q2 2026 NIM of 3.63% improved 4 bp YoY, primarily due to lower funding costs NIM increased 6 bp on a sequential quarter basis mainly due to asset repricing and 3 bp of accelerated mark accretion from acquired loan payoffs Deposit funding costs, including non-interest bearing deposits, were 178 bp and decreased 6 bp YoY and increased just 1 bp QoQ Period end FHLB borrowings of $1.4 billion decreased $400 million YoY but increased $375 million QoQ as loan growth outpaced deposit growth, reflecting accelerating growth in targeted expansion markets As of 6/30/2026, 89% have 2026 maturities, with an average rate of 3.90% NIM Benefited from Management of Funding Costs Q2 2026 Net Interest Margin (NIM)

Note: OREO = other real estate owned; AUM = assets under management; securities account values include annuities Record Fee Income Levels Across Multiple Categories Q2 2026 Non-Interest Income Non-interest income increased 22.0% YoY due primarily to higher net swap and valuation income, service charges on deposits, and other income Achieved record fee income levels across securities brokerage, digital banking, and service charges on deposits Gross swap fees were $2.8 million, compared to $1.4 million last year Swap fair market valuation adjustment was $0.3 million, compared to a loss of $0.7 million, in the prior year period Service charges on deposits reflect increased general spending and higher transaction volumes from our larger customer base, as well as an increase in monthly fees that took effect during June Other income included a non-recurring $4.8 million gain related to the freezing of future service for actively employed participants in the pension plan Mortgage banking income decreased YoY primarily due to more mortgage volume going into portfolio loans

Expenses Reflect Expansion Markets and Discretionary Cost Control Q2 2026 Non-Interest Expense Non-interest expense, excluding merger and restructuring charges, increased 1.8% YoY primarily due to higher salaries and wages from a full quarter of expansion market hiring offset by discretionary expense management Salaries and wages and employee benefits expense increased due to recent hiring efforts, primarily in Florida, and bonus accrual adjustments FDIC insurance expense decreased due to a lower assessment rate associated with our improved financial ratios Equipment and software, which was consistent with the last several quarters, decreased YoY due to the cost of operating two core systems in the prior year related to the PFC acquisition Amortization of intangible assets, which was consistent with the last couple quarters, decreased YoY due to the core deposit intangible asset that was created from the acquisition of PFC in the prior year Restructuring and merger-related expenses decreased from the prior year period, which included costs associated with the closing of the PFC acquisition

Strong and Consistent Asset Quality Measures 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 from S&P Capital IQ (as of 7/1/2026) 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

The allowance for credit losses on loans was $217.8 million at 6/30/2026, which provided a coverage ratio of 1.12% Excluded from the allowance for credit losses and the related coverage ratio is a remaining unaccreted discount on purchased loans from acquisitions representing 1.41% of total portfolio loans The second quarter net provision for credit losses of $9.2 million is primarily due to higher loan balances Non-Depository Financial Institution (NDFI) exposure <$55 million No direct exposure to technology and software firms or data centers and related infrastructure projects Allowance Coverage Ratio of 1.12% Q2 2026 Current Expected Credit Loss (CECL) Note: ACL at 6/30/2026 excludes off-balance sheet credit exposures of $7.7 million

Strong regulatory capital ratios significantly above both regulatory requirements and well-capitalized levels, with favorable tangible equity levels compared to peers CET1 ratio within WesBanco’s targeted range of 10.5-11.0% 0.3 million shares repurchased on the open market during Q2 2026, at an average price of $33.55 per share ~4.5 million shares available for repurchase (as of 6/30/2026)(1) 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 6/30/2026; 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 4MM share repurchase authorization that was approved by WesBanco’s Board of Directors on May 20, 2026 and the remainder of the authorization approved on February 24, 2022 Common Equity Tier 1 Capital Ratio (CET 1) Tier 1 Risk-Based Capital Ratio Well-Capitalized 8.0% Required 6.0%

Appendix

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

Net Income and Diluted Earnings per Share (EPS) Reconciliation

Tangible Book Value per Share Reconciliation

Efficiency Ratio Reconciliation

Return on Average Assets Reconciliation

Return on Average Tangible Common Equity Reconciliation

Tangible Common Equity to Tangible Assets Reconciliation

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