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

WSBC$39.09-0.9%Stored close · as of Nov 10, 2026

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Amortized Cost Basis by Loan Origination Year

Table 18: Amortized Cost Basis by Loan Origination Year

	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2026	2025	2024	2023	2022	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total
Commercial real estate: land and construction
Risk rating:
Pass	$283,546	$475,662	$228,759	$125,715	$21,021	$77,744	$130,956	$234,855	$1,578,258
Criticized - compromised	—	958	19,337	195	4,507	722	3,038	772	29,529
Classified - substandard	—	—	197	—	—	1,958	—	27,380	29,535
Classified - doubtful	—	—	—	—	—	—	—	—	—
Total	$283,546	$476,620	$248,293	$125,910	$25,528	$80,424	$133,994	$263,007	$1,637,322
Current-period gross charge-offs	$—	$—	$—	$—	$—	$—	$—	$—	$—
Commercial real estate: improved property
Risk rating:
Pass	$1,461,723	$1,071,164	$569,249	$441,421	$1,219,131	$3,205,816	$214,945	$1,094,707	$9,278,156
Criticized - compromised	118	1,847	5,931	5,200	55,551	119,125	3,128	22,918	213,818
Classified - substandard	—	1,007	8,124	13,991	61,084	57,354	2,017	46,642	190,219
Classified - doubtful	—	—	—	—	—	—	—	—	—
Total	$1,461,841	$1,074,018	$583,304	$460,612	$1,335,766	$3,382,295	$220,090	$1,164,267	$9,682,193
Current-period gross charge-offs	$—	$—	$—	$31	$227	$722	$—	$—	$980
Commercial and industrial
Risk rating:
Pass	$461,350	$312,252	$137,878	$119,225	$240,499	$344,721	$1,043,473	$236,485	$2,895,883
Criticized - compromised	2,478	8,345	4,946	709	3,606	1,842	57,800	7,360	87,086
Classified - substandard	—	188	34,584	5,587	10,315	14,621	16,330	3,273	84,898
Classified - doubtful	—	—	—	—	—	—	—	—	—
Total	$463,828	$320,785	$177,408	$125,521	$254,420	$361,184	$1,117,603	$247,118	$3,067,867
Current-period gross charge-offs	$—	$157	$3,183	$1,016	$1,442	$1,619	$679	$7,133	$15,229
Residential real estate
Loan delinquency:
Current	$344,019	$239,659	$106,483	$217,763	$678,609	$1,498,321	$—	$861,222	$3,946,076
30-59 days past due	—	—	—	—	—	397	—	—	397
60-89 days past due	—	—	991	2,870	2,395	6,768	—	1,865	14,889
90 days or more past due	—	1,403	2,659	6,498	5,733	17,757	—	3,532	37,582
Total	$344,019	$241,062	$110,133	$227,131	$686,737	$1,523,243	$—	$866,619	$3,998,944
Current-period gross charge-offs	$—	$56	$162	$1,002	$232	$358	$—	$333	$2,143
Home equity
Loan delinquency:
Current	$16,929	$2,655	$5,835	$3,449	$5,305	$25,555	$1,147,061	$12,552	$1,219,341
30-59 days past due	—	475	776	857	1,033	1,511	6,393	279	11,324
60-89 days past due	—	63	613	753	462	582	152	52	2,677
90 days or more past due	—	420	964	1,998	662	2,858	9	558	7,469
Total	$16,929	$3,613	$8,188	$7,057	$7,462	$30,506	$1,153,615	$13,441	$1,240,811
Current-period gross charge-offs	$—	$49	$208	$267	$103	$557	$18	$63	$1,265
Consumer
Loan delinquency:
Current	$22,453	$34,297	$54,585	$45,145	$48,520	$34,181	$28,933	$100	$268,214
30-59 days past due	275	324	731	771	801	262	38	1	3,203
60-89 days past due	11	113	252	356	364	262	—	—	1,358
90 days or more past due	34	30	136	176	57	206	—	—	639
Total	$22,773	$34,764	$55,704	$46,448	$49,742	$34,911	$28,971	$101	$273,414
Current-period gross charge-offs	$43	$557	$1,289	$1,064	$1,661	$815	$8	$8	$5,445

	Amortized Cost Basis by Origination Year
(in thousands)	2025	2024	2023	2022	2021	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total
Commercial real estate: land and construction
Risk rating:
Pass	$376,564	$427,548	$293,344	$113,269	$56,846	$73,874	$160,549	$246,266	$1,748,260
Criticized - compromised	86	—	104	1,016	—	1,461	2,000	3,664	8,331
Classified - substandard	—	—	—	—	—	48	—	26,998	27,046
Classified - doubtful	—	—	—	—	—	—	—	—	—
Total	$376,650	$427,548	$293,448	$114,285	$56,846	$75,383	$162,549	$276,928	$1,783,637
Current-period gross charge-offs	$—	$—	$—	$—	$—	$—	$—	$—	$—
Commercial real estate: improved property
Risk rating:
Pass	$1,095,343	$552,084	$565,203	$1,434,869	$870,120	$2,903,510	$213,380	$1,078,167	$8,712,676
Criticized - compromised	—	56,128	19,680	93,507	19,403	46,350	69	85,048	320,185
Classified - substandard	237	20,754	6,563	39,305	3,699	40,437	—	11,341	122,336
Classified - doubtful	—	—	—	—	—	—	—	—	—
Total	$1,095,580	$628,966	$591,446	$1,567,681	$893,222	$2,990,297	$213,449	$1,174,556	$9,155,197
Current-period gross charge-offs	$—	$—	$112	$7	$142	$4,221	$—	$35	$4,517
Commercial and industrial
Risk rating:
Pass	$441,249	$209,251	$161,292	$284,974	$167,107	$285,489	$988,436	$199,065	$2,736,863
Criticized - compromised	160	5,211	3,453	20,461	5,770	7,984	37,689	3,824	84,552
Classified - substandard	27	3,077	5,200	5,988	3,816	8,410	6,701	9,259	42,478
Classified - doubtful	—	—	—	—	—	—	—	—	—
Total	$441,436	$217,539	$169,945	$311,423	$176,693	$301,883	$1,032,826	$212,148	$2,863,893
Current-period gross charge-offs	$—	$1,453	$739	$1,138	$553	$959	$1,088	$1,318	$7,248
Residential real estate
Loan delinquency:
Current	$301,928	$148,830	$252,536	$726,653	$625,616	$1,002,612	$—	$831,319	$3,889,494
30-59 days past due	—	—	—	—	—	738	—	—	738
60-89 days past due	119	1,152	1,399	2,362	1,928	5,742	—	811	13,513
90 days or more past due	501	1,905	5,270	6,116	3,407	14,477	—	3,164	34,840
Total	$302,548	$151,887	$259,205	$735,131	$630,951	$1,023,569	$—	$835,294	$3,938,585
Current-period gross charge-offs	$—	$62	$173	$602	$29	$528	$—	$71	$1,465
Home equity
Loan delinquency:
Current	$13,731	$3,717	$3,194	$3,665	$1,852	$22,200	$1,042,133	$16,160	$1,106,652
30-59 days past due	177	728	324	729	141	2,126	5,427	286	9,938
60-89 days past due	11	713	812	990	253	1,171	110	102	4,162
90 days or more past due	55	1,256	1,932	1,253	596	2,628	76	846	8,642
Total	$13,974	$6,414	$6,262	$6,637	$2,842	$28,125	$1,047,746	$17,394	$1,129,394
Current-period gross charge-offs	$—	$79	$562	$322	$137	$387	$42	$36	$1,565
Consumer
Loan delinquency:
Current	$54,554	$74,906	$65,337	$74,538	$24,333	$24,369	$27,857	$33	$345,927
30-59 days past due	319	1,234	1,435	1,621	553	545	412	—	6,119
60-89 days past due	82	533	471	436	140	160	—	—	1,822
90 days or more past due	97	258	504	503	157	339	—	—	1,858
Total	$55,052	$76,931	$67,747	$77,098	$25,183	$25,413	$28,269	$33	$355,726
Current-period gross charge-offs	$262	$2,424	$1,931	$2,168	$937	$712	$—	$—	$8,434

The following table summarizes OREO and repossessed assets included in other assets:

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