WESBANCO INC
For the period ended Sep 30, 2026. Filed Oct 29, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Oct 29, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
ACL by Loan Category
Table 8: ACL by Loan Category
| (unaudited, in thousands) | CommercialReal Estate -Land andConstruction | CommercialReal Estate-ImprovedProperty | Commercial& Industrial | ResidentialReal Estate | HomeEquity | Consumer | DepositOverdrafts | Total |
|---|---|---|---|---|---|---|---|---|
| Allowance for credit losses - loans | $10,707 | $96,714 | $64,932 | $33,416 | $2,383 | $8,742 | $1,855 | $218,749 |
| Allowance for credit losses - loan commitments | 5,499 | — | 552 | 890 | — | 9 | — | 6,950 |
| Total beginning allowance for credit losses - loans and loan commitments | 16,206 | 96,714 | 65,484 | 34,306 | 2,383 | 8,751 | 1,855 | 225,699 |
| Provision for credit losses: | ||||||||
| Provision for loan losses | (1,016) | (1,462) | 14,354 | 601 | 971 | 216 | 1,001 | 14,665 |
| Provision for loan commitments | 1,767 | 263 | 26 | 217 | — | 11 | — | 2,284 |
| Total provision for credit losses - loans and loan commitments (1) | 751 | (1,199) | 14,380 | 818 | 971 | 227 | 1,001 | 16,949 |
| Charge-offs | — | (980) | (15,229) | (2,143) | (1,265) | (5,445) | (1,484) | (26,546) |
| Recoveries | 513 | 193 | 3,340 | 429 | 295 | 2,474 | 446 | 7,690 |
| Net (charge-offs) recoveries | 513 | (787) | (11,889) | (1,714) | (970) | (2,971) | (1,038) | (18,856) |
| Allowance for credit losses - loans | 10,204 | 94,465 | 67,397 | 32,303 | 2,384 | 5,987 | 1,818 | 214,558 |
| Allowance for credit losses - loan commitments | 7,266 | 263 | 578 | 1,107 | — | 20 | — | 9,234 |
| Total ending allowance for credit losses - loans and loan commitments | $17,470 | $94,728 | $67,975 | $33,410 | $2,384 | $6,007 | $1,818 | $223,792 |
| Allowance for credit losses - loans | $8,411 | $59,828 | $42,398 | $21,790 | $1,235 | $3,391 | $1,713 | $138,766 |
| Allowance for credit losses - loan commitments | 5,105 | — | — | 1,015 | — | — | — | 6,120 |
| Total beginning allowance for credit losses - loans and loan commitments | 13,516 | 59,828 | 42,398 | 22,805 | 1,235 | 3,391 | 1,713 | 144,886 |
| Initial allowance for credit losses on acquired PCD loans | 177 | 7,998 | 7,160 | 3,192 | 604 | 3,095 | — | 22,226 |
| Provision for credit losses: | ||||||||
| Provision for loan losses | 1,865 | 32,212 | 19,172 | 8,536 | 1,371 | 7,598 | 1,887 | 72,641 |
| Provision for loan commitments | 146 | — | 1,434 | (82) | — | 10 | — | 1,508 |
| Total provision for credit losses - loans and loan commitments (1) | 2,011 | 32,212 | 20,606 | 8,454 | 1,371 | 7,608 | 1,887 | 74,149 |
| Charge-offs | — | (4,498) | (5,967) | (862) | (1,271) | (6,333) | (2,021) | (20,952) |
| Recoveries | 15 | 339 | 1,568 | 349 | 309 | 1,850 | 555 | 4,985 |
| Net (charge-offs) recoveries (2) | 15 | (4,159) | (4,399) | (513) | (962) | (4,483) | (1,466) | (15,967) |
| Allowance for credit losses - loans | 10,468 | 95,879 | 64,331 | 33,005 | 2,248 | 9,601 | 2,134 | 217,666 |
| Allowance for credit losses - loan commitments | 5,251 | — | 1,434 | 933 | — | 10 | — | 7,628 |
| Total ending allowance for credit losses - loans and loan commitments | $15,719 | $95,879 | $65,765 | $33,938 | $2,248 | $9,611 | $2,134 | $225,294 |
(1) Total provision for credit losses - loans and loan commitments is reported in the Consolidated Statements of Income in the provision for credit losses line item, which also includes the provision for credit losses on HTM securities. For more information on the provision relating to HTM securities, please see Note 3, "Securities."
(2) Charge-offs on the acquired PFC loan portfolio prior to the acquisition totaled $22.7 million and are not included in the table above.
The following table presents the ACL and recorded investment in loans by category, as of each period-end:
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.