WESBANCO INC
For the period ended Sep 30, 2026. Filed Oct 29, 2026.
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Sep 30, 2026 · Filed Oct 29, 2026
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ACL - Loans and Loan Commitments
Table 41: ACL - Loans and Loan Commitments
| (unaudited, dollars in thousands) | September 30,2026 | Percent ofTotal | December 31,2025 | Percent ofTotal |
|---|---|---|---|---|
| Allowance for credit losses - loans: | ||||
| Commercial real estate - land and construction | $10,204 | 4.6 | $10,707 | 4.7 |
| Commercial real estate - improved property | 94,465 | 42.2 | 96,714 | 42.9 |
| Commercial and industrial | 67,397 | 30.1 | 64,932 | 28.8 |
| Residential real estate | 32,303 | 14.4 | 33,416 | 14.8 |
| Home equity | 2,384 | 1.1 | 2,383 | 1.1 |
| Consumer | 5,987 | 2.7 | 8,742 | 3.9 |
| Deposit account overdrafts | 1,818 | 0.8 | 1,855 | 0.7 |
| Total allowance for credit losses - loans | $214,558 | 95.9 | $218,749 | 96.9 |
| Allowance for credit losses - loan commitments: | ||||
| Commercial real estate - land and construction | $7,266 | 3.2 | $5,499 | 2.5 |
| Commercial real estate - improved property | 263 | 0.1 | — | — |
| Commercial and industrial | 578 | 0.3 | 552 | 0.2 |
| Residential real estate | 1,107 | 0.5 | 890 | 0.4 |
| Home equity | — | — | — | — |
| Consumer | 20 | — | 9 | — |
| Total allowance for credit losses - loan commitments | 9,234 | 4.1 | 6,950 | 3.1 |
| Total allowance for credit losses - loans and loan commitments | $223,792 | 100.0 | $225,699 | 100.0 |
Although the ACL is allocated as described in Table 41, the total allowance is available to absorb actual losses in any category of the loan portfolio. However, differences between management’s estimation of probable losses and actual net charge-offs in subsequent periods for any category may necessitate future adjustments to the ACL applicable to the category. Management believes the ACL is appropriate to absorb expected losses at September 30, 2026.
DEPOSITS
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