WesBanco (WSBC) Investor presentation summary

Strategic positioning and market presence

• Maintains a diversified business model with a strong presence in major Midwest and Mid-Atlantic markets, ranking as a top 100 U.S. bank by assets.

• Core deposit funding base and competitive deposit profile support robust commercial and consumer operations.

• Wealth management business exceeds $10 billion in assets under management, with over 100 years of experience.

• Focuses on disciplined organic growth, relationship banking, and prudent credit and risk management.

• Peer-leading credit quality metrics and eight consecutive “outstanding” CRA ratings from the FDIC.

Financial and operational performance

• Full-year 2025 diluted EPS rose 45% to $3.40, with net interest margin up 58 basis points to 3.61%.

• Total loans increased 51.9% year-over-year to $19.2 billion, driven by the Premier Financial Corp. acquisition and 5.2% organic growth.

• Total deposits grew 53.3% year-over-year to $21.7 billion, fully funding loan growth.

• Efficiency ratio improved to 51.6%, reflecting expense synergies from acquisitions and cost control.

• Allowance for credit losses at 1.14% of loans, with non-performing assets at 0.33% of total assets.

Growth strategies and digital transformation

• Pursues organic growth through a relationship-focused model, targeted acquisitions, and expansion of loan production offices.

• Invests in digital banking, with 75% of retail customers using online services and significant adoption of mobile and web platforms.

• Launched new digital insurance and treasury management products, enhancing fee income and customer value.

• Closed 27 financial centers in early 2026 as part of ongoing optimization and digital shift.

• Actively leverages cloud-based architecture and explores AI and automation for operational efficiency.