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©2026 WesBanco Inc. | All rights reserved Second Quarter 2026 Earnings Call Presentation July 21, 2026
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©2026 WesBanco Inc. | All rights reserved 2 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.
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©2026 WesBanco Inc. | All rights reserved 3 •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; $0.92/share Net Interest Margin +4bp YoY; +6bp QoQ Total Loan Growth +8.3% QoQ annualized +3.5% YoY or +4.5%, excluding CRE payoff headwind Total Deposit Growth +2.1% YoY Return on Average Tangible Common Equity(1) 17.3% CET1 Capital Ratio 10.7% Note: financial and operational highlights for the quarter ended June 30, 2026; EPS = earnings per share; CRE = commercial real estate; YoY = year-over-year; QoQ = quarter-over-quarter; bp = basis points; CET1 = common equity tier 1; PFC = Premier Financial Corp. (acquisition closed on 2/28/2025) (1) Non-GAAP measure – excludes certain items – please see reconciliation in appendix Q2 2026 Financial and Operational Highlights
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©2026 WesBanco Inc. | All rights reserved 4 Note: PTPP = pre-tax, pre-provision (1) Non-GAAP measure – excludes certain items – please see reconciliation in appendix (2) Excludes restructuring and merger-related expenses and/or day 1 provision for credit losses on acquired loans Key Metrics Q2 2026 Financial and Operational Highlights H / (L) H / (L) H / (L) 6/30/2026 6/30/2025 3/31/2026 6/30/2026 6/30/2025 Return on Average Assets (1)(2) 1.30% 2bp 1bp 1.29% 15bp PTPP Return on Average Assets (1)(2) 1.86% 17bp 18bp 1.77% 17bp Return on Average Equity (1)(2) 8.71% (46bp) 4bp 8.69% 68bp PTPP Return on Average Equity (1)(2) 12.46% 36bp 112bp 11.90% 65bp Return on Average Tangible Common Equity (1)(2) 17.28% (108bp) (9bp) 17.33% 134bp PTPP Return on Average Tangible Common Equity (1)(2) 24.57% 42bp 189bp 23.63% 133bp Tangible Book Value per Share ($) (1) $22.98 12.2% 2.4% $22.98 12.2% Efficiency Ratio (1)(2) 51.17% (113bp) (137bp) 51.83% (208bp) Net Interest Margin 3.63% 4bp 6bp 3.60% 12bp Average Loans to Average Deposits 88.89% (58bp) (16bp) 88.97% (45bp) Non-Performing Assets to Total Assets 0.53% 22bp 0bp 0.53% 22bp Net Loan Charge-offs to Average Loans (annualized) 0.02% (7bp) (14bp) 0.09% 0bp Quarter Ending Year-to-Date
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©2026 WesBanco Inc. | All rights reserved 5 $959 $41 $19,083 ($604) $19,479 3/31/2026 6/30/2026Comm'l Payoffs Comm'l New Originations All Other Net Advances / Total Loan Growth = (non-annualized) 2.1% Comm'l Avg Payoff Yield 6.20% Comm'l Avg New Yield 6.16% ($MM) ($2,278) $2,902 $26 $18,829 $19,479 6/30/2025 6/30/2026 Comm'l Payoffs Comm'l New Originations All Other Net Advances / Comm'l Avg Payoff Yield 6.45% Comm'l Avg New Yield 6.20% Total Loan Growth = 3.5% ($MM) 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
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©2026 WesBanco Inc. | All rights reserved 6 $535 $192 $(214) $(76) $138 $(138) $21,155 $21,668 $21,592 6/30/2025 3/31/2026 6/30/2026 Total Demand Deposits Savings & Money Markets CDs Total Demand Deposits Savings & Money Markets CDs ($MM) ($MM) 6/30/2026 Total Deposits 21,592$ Total Deposit Accounts (000s) 717 Average Deposit Size ($000s) 30$ Uninsured Deposits 7,017$ less: Collateralized Municipal Deposits (2,271) Adjusted Uninsured Deposits 4,746$ Uninsured Deposits as % of Total Deposits Before Exclusions 32.5% After Exclusions 22.0% 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
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©2026 WesBanco Inc. | All rights reserved 7 97% States & Political Subdivisions 3% Other 80% Mortgage-Backed: Residential 2% Mortgage-Backed: Commercial 12% U.S. Gov't Entities/Agencies 6% Other Equities 0% Available- for-Sale 75% Held-to- Maturity 25% 6/30/2026 $4,440 = ($MM) ($MM) 6/30/2026 2,331$ (239)$ 10.3%Unrealized Losses as % of CET 1 AFS+HTM Net Unrealized Losses (after-tax) Common Equity Tier 1 Capital (CET 1) 8.44% 8.16% Tangible Common Equity to Tangible Assets (1) Adjusted Tangible Common Equity to Tangible Assets ($MM) 6/30/2026 Tangible Common Equity (1) 2,203$ HTM Securities Unrealized Losses (78) Adjusted Tangible Common Equity 2,125$ Tangible Assets (1) 26,114$ HTM Securities Unrealized Losses (78) Adjusted Tangible Assets 26,036$ •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
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©2026 WesBanco Inc. | All rights reserved 8 Fixed 24% <3 Months 51% 48 to 60 Months 23% Other 2% 2Q2026 Commercial Loan Repricing Frequency 0.06% (0.00%) (0.01%) 0.02% (0.01%) 3.57% 3.63% 1Q2026 2Q2026 NIM Component QoQ Change (weighted) Loans OtherInt.-Bearing Deposits FHLB Borrowings Cash & 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)
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©2026 WesBanco Inc. | All rights reserved 9 Quarter Ending % H / (L) % H / (L) ($000s) 6/30/2026 6/30/2025 3/31/2026 Trust fees $9,830 1.8% (5.9%) Service charges on deposits 11,546 10.1% 5.3% Digital banking income 7,410 1.2% 12.3% Net swap fee & valuation income/(loss) 3,135 nm 195.2% Net securities brokerage revenue 3,670 9.6% 5.7% Bank-owned life insurance 4,317 25.1% 13.3% Mortgage banking income 1,055 (55.4%) 14.8% Net securities gains/(losses) 1,644 16.6% nm Net gains/(losses) on OREO & other assets 2,036 nm nm Other income 8,989 77.6% 122.9% Total non-interest income $53,632 22.0% 28.2% 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
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©2026 WesBanco Inc. | All rights reserved 10 Quarter Ending % H / (L) % H / (L) ($000s) 6/30/2026 6/30/2025 3/31/2026 Salaries and wages $66,402 10.4% 3.8% Employee benefits 19,148 1.5% 8.7% Net occupancy 7,863 (3.2%) (7.8%) Equipment and software 15,640 (8.8%) (0.2%) Marketing 2,271 21.8% 48.8% FDIC insurance 4,168 (23.9%) (12.9%) Amortization of intangible assets 7,141 (22.4%) (0.3%) Other operating expenses 25,450 3.2% 7.2% Sub-total non-interest expense $148,083 1.8% 3.6% Restructuring & merger-related 1,003 (97.6%) (73.0%) Total non-interest expense $149,086 (20.1%) 1.6% 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
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©2026 WesBanco Inc. | All rights reserved 11 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 3.63% 3.22% 3.15% 2.91% 3.74% 3.60% 3.57% 3.35% 3.26% 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 WSBC $20-50B Banks Criticized & Classified Loans as % of Total Loans 0.31% 0.35% 0.33% 0.53% 0.53% 0.41% 0.41% 0.41% 0.46% 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 WSBC $20-50B Banks Non-Performing Assets as % of Total Assets 0.09% 0.19% 0.06% 0.16% 0.02% 0.18% 0.18% 0.24% 0.26% 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 WSBC $20-50B Banks Net Charge-Offs as % of Average Loans (Annualized) 1.19% 1.15% 1.14% 1.10% 1.12% 1.25% 1.26% 1.23% 1.22% 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 WSBC $20-50B Banks Allowance for Credit Losses as % of Total Loans
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©2026 WesBanco Inc. | All rights reserved 12 $3,158 $5,829 ($1,324) $89 $210,023 $217,775 3/31/2026 6/30/2026Portfolio Change / Economic Factors Qualitative Factors / Specific Reserves PCD Loans (from PFC) Qualitative adjustments and reserves for specific loans Other miscellaneous adjustments Loan portfolio growth Changes to macroeconomic variables and quantitative and qualitative economic factors ($MM) CECL allowance for losses on acquired loans Other •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 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
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©2026 WesBanco Inc. | All rights reserved 13 •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 11.28% 12.05% 13.14% 12.89% 13.40% 12.77% 11.20% 10.99% 12.07% 10.37% 10.70% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Common Equity Tier 1 Capital Ratio (CET 1) Tier 1 Risk- Based Capital Ratio 13.16% 14.12% 15.09% 12.89% 14.72% 14.05% 12.33% 12.05% 13.06% 11.42% 11.72% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Well- Capitalized 8.0% Required 6.0%
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©2026 WesBanco Inc. | All rights reserved Appendix
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©2026 WesBanco Inc. | All rights reserved 15 6/30/2026 3/31/2026 6/30/2025 6/30/2026 6/30/2025 Income before Provision for Income Taxes $117,523 $111,424 $70,973 $228,948 $61,309 Provision for Credit Losses 9,185 (897) 3,218 8,288 72,101 Pre-Tax, Pre-Provision Income ("PTPP") $126,708 $110,527 $74,191 $237,236 $133,410 Restructuring and Merger-Related Expenses 1,003 3,713 41,056 4,716 61,066 PTPP (excluding restructuring and merger-related expense) $127,711 $114,240 $115,247 $241,952 $194,476 PTPP (excluding restructuring and merger-related expense) $127,711 $114,240 $115,247 $241,952 $194,476 Average Total Assets 27,514,390 27,530,620 27,304,700 27,522,460 24,459,913 PTPP Return on Average Assets 1.86% 1.68% 1.69% 1.77% 1.60% PTPP (excluding restructuring and merger-related expense) $127,711 $114,240 $115,247 $241,952 $194,476 Amortization of Intangibles 7,141 7,160 9,204 14,301 13,427 PTPP before Amortization of Intangibles (excluding restructuring and merger-related expense) $134,852 $121,400 $124,451 $256,253 $207,903 Average Total Shareholders' Equity 4,110,881 4,086,617 3,819,513 4,098,816 3,486,668 Average Goodwill and Other Intangibles (net of deferred tax liability) (1,685,204) (1,691,156) (1,608,358) (1,688,164) (1,461,946) Average Tangible Equity $2,425,677 $2,395,461 $2,211,155 $2,410,652 $2,024,722 Average Preferred Shareholder's Equity (224,187) (224,187) (144,484) (224,187) (144,484) Average Tangible Common Equity $2,201,490 $2,171,274 $2,066,671 $2,186,465 $1,880,238 PTPP Return on Average Tangible Equity 22.30% 20.55% 22.58% 21.44% 20.71% PTPP Return on Average Tangible Common Equity 24.57% 22.68% 24.15% 23.63% 22.30% Year-to-DateQuarter Ending ($000s) Pre-Tax, Pre-Provision Income (PTPP) and Ratios Reconciliation
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©2026 WesBanco Inc. | All rights reserved 16 6/30/2026 3/31/2026 6/30/2025 6/30/2026 6/30/2025 Net Income Available to Common Shareholders $88,437 $84,395 $54,884 $172,832 $43,360 Restructuring and Merger-Related Expenses (net of tax) 792 2,933 32,434 3,726 48,242 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) 0 0 0 0 46,926 Net Income Available to Common Shareholders (excluding restructuring and merger- related expense and day 1 provision for credit losses on acquired loans) $89,229 $87,328 $87,318 $176,558 $138,528 Net Income/(Loss) Available to Common Shareholders per Diluted Share ($) $0.91 $0.88 $0.57 $1.79 $0.50 Restructuring and Merger-Related Expense (net of tax) 0.01 0.03 0.34 0.04 0.56 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) 0.00 0.00 0.00 0.00 0.54 Net Income Available to Common Shareholders per Diluted Share ($) (excluding restructuring and merger-related expense and day 1 provision for credit losses on acquired loans) $0.92 $0.91 $0.91 $1.83 $1.60 Average Common Shares Outstanding – Diluted (000s) 96,704 96,309 95,808 96,506 86,467 Quarter Ending Year-to-Date ($000s, except earnings per share) Net Income and Diluted Earnings per Share (EPS) Reconciliation
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©2026 WesBanco Inc. | All rights reserved 17 Tangible Book Value per Share Reconciliation 6/30/2026 3/31/2026 6/30/2025 6/30/2026 6/30/2025 Total Shareholders' Equity $4,109,685 $4,070,608 $3,819,220 $4,109,685 $3,819,220 Goodwill & Other Intangible Assets (net of deferred tax liability) (1,682,457) (1,688,098) (1,709,001) (1,682,457) (1,709,001) Preferred Shareholders' Equity (224,187) (224,187) (144,484) (224,187) (144,484) Tangible Common Equity (period end) $2,203,041 $2,158,323 $1,965,735 $2,203,041 $1,965,735 Common Shares Outstanding (period end) (000s) 95,869 96,134 95,986 95,869 95,986 Tangible Book Value per Share ($) $22.98 $22.45 $20.48 $22.98 $20.48 Quarter Ending Year-to-Date ($000s, except shares and per share data)
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©2026 WesBanco Inc. | All rights reserved 18 Efficiency Ratio Reconciliation 6/30/2026 3/31/2026 6/30/2025 6/30/2026 6/30/2025 Non-Interest Expense $149,086 $146,705 $186,535 $295,788 $320,500 Amortization of Intangibles (7,141) (7,160) (9,204) (14,301) (13,427) Restructuring & Merger-Related Expense (1,003) (3,713) (41,056) (4,716) (61,066) Non-Interest Expense (excluding amortization of intangibles and restructuring and merger-related expense) $140,942 $135,832 $136,275 $276,771 $246,007 Net Interest Income (FTE-basis) $223,447 $216,683 $217,996 $440,129 $377,719 Non-Interest Income, excluding net securities gains/(losses) 51,988 41,844 42,547 93,831 78,622 Total Income $275,435 $258,527 $260,543 $533,960 $456,341 Efficiency Ratio 51.17% 52.54% 52.30% 51.83% 53.91% Quarter Ending Year-to-Date ($000s)
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©2026 WesBanco Inc. | All rights reserved 19 6/30/2026 3/31/2026 6/30/2025 6/30/2026 6/30/2025 Net Income Available to Common Shareholders $88,437 $84,395 $54,884 $172,832 $43,360 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) $0 $0 $0 $0 $46,926 Restructuring and Merger-Related Expenses (net of tax) 792 2,933 32,434 3,726 48,242 Net Income Available to Common Shareholders (excluding restructuring and merger- related expense and day 1 provision for credit losses on acquired loans) $89,229 $87,328 $87,318 $176,558 $138,528 Average Total Assets $27,514,390 $27,530,620 $27,304,700 $27,522,460 $24,459,913 Return on Average Assets (1) 1.29% 1.24% 0.81% 1.27% 0.36% Return on Average Assets (excluding restructuring and merger-related expense and day 1 provision for credit losses on acquired loans) (1) 1.30% 1.29% 1.28% 1.29% 1.14% Quarter Ending Year-to-Date ($000s) Return on Average Assets Reconciliation
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©2026 WesBanco Inc. | All rights reserved 20 6/30/2026 3/31/2026 6/30/2025 6/30/2026 6/30/2025 Net Income Available to Common Shareholders $88,437 $84,395 $54,884 $172,832 $43,360 Amortization of Intangibles (tax effected at 21%) 5,641 5,656 7,271 11,298 10,607 Net (Loss)/Income Available to Common Shareholders before Amortization of Intangibles $94,078 $90,051 $62,155 $184,130 $53,967 Day 1 Provision for Credit Losses on Acquired Loans (net of tax) $0 $0 $0 $0 $46,926 Restructuring and Merger-Related Expenses (net of tax) 792 2,933 32,434 3,726 48,242 Net Income Available to Common Shareholders before Amortization of Intangibles (excluding restructuring and merger-related expense and day 1 provision for credit losses on acquired loans) $94,870 $92,984 $94,589 $187,856 $149,135 Average Total Shareholders' Equity $4,110,881 $4,086,617 $3,819,513 $4,098,816 $3,486,668 Average Goodwill and Other Intangibles (net of deferred tax liability) (1,685,204) (1,691,156) (1,608,358) (1,688,164) (1,461,946) Average Tangible Equity $2,425,677 $2,395,461 $2,211,155 $2,410,652 $2,024,722 Average Preferred Shareholder's Equity (224,187) (224,187) (144,484) (224,187) (144,484) Average Tangible Common Equity $2,201,490 $2,171,274 $2,066,671 $2,186,465 $1,880,238 Return on Average Tangible Equity (1) 15.56% 15.25% 11.27% 15.40% 5.38% Return on Average Tangible Equity (excluding restructuring and merger-related expense and day 1 provision for credit losses on acquired loans) (1) 15.69% 15.74% 17.16% 15.71% 14.85% Return on Average Tangible Common Equity (1) 17.14% 16.82% 12.06% 16.98% 5.79% Return on Average Tangible Common Equity (excluding restructuring and merger-related expense and day 1 provision for credit losses on acquired loans) (1) 17.28% 17.37% 18.36% 17.33% 15.99% Quarter Ending Year-to-Date ($000s) Return on Average Tangible Common Equity Reconciliation
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©2026 WesBanco Inc. | All rights reserved 21 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 Total Shareholders' Equity $3,819,220 $4,116,527 $4,031,913 $4,070,608 $4,109,685 Goodwill and Other Intangible Assets (net of deferred tax liability) (1,709,001) (1,702,916) (1,693,755) (1,688,098) (1,682,457) Preferred Shareholders' Equity (144,484) (368,867) (224,187) (224,187) (224,187) Tangible Common Equity $1,965,735 $2,044,744 $2,113,971 $2,158,323 $2,203,041 Total Assets $27,571,576 $27,518,042 $27,696,333 $27,482,455 $27,796,917 Goodwill and Other Intangible Assets (net of deferred tax liability) (1,709,001) (1,702,916) (1,693,755) (1,688,098) (1,682,457) Tangible Assets $25,862,575 $25,815,126 $26,002,578 $25,794,357 $26,114,460 Tangible Common Equity to Tangible Assets 7.60% 7.92% 8.13% 8.37% 8.44% Period Ending ($000s) Tangible Common Equity to Tangible Assets Reconciliation