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
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Capital Ratios
Table 44: Capital Ratios
| September 30, 2026 · December 31, 2025 | ||||||||
|---|---|---|---|---|---|---|---|---|
| Minimum · Well- · Minimum · Minimum | ||||||||
| (unaudited, dollars in thousands) | Value(1) | Capitalized(2) | Amount | Ratio | Amount(1) | Amount | Ratio | Amount(1) |
| Wesbanco, Inc. | ||||||||
| Tier 1 leverage | 4.00% | N/A | $2,618,845 | 9.87% | $1,061,869 | $2,443,411 | 9.42% | $1,037,948 |
| Common equity Tier 1 | 4.50% | N/A | 2,394,658 | 10.61% | 1,015,534 | 2,219,224 | 10.37% | 963,091 |
| Tier 1 capital to risk-weighted assets | 6.00% | 6.00% | 2,618,845 | 11.60% | 1,354,045 | 2,443,411 | 11.42% | 1,284,121 |
| Total capital to risk-weighted assets | 8.00% | 10.00% | 3,152,042 | 13.97% | 1,805,393 | 2,978,585 | 13.92% | 1,712,162 |
| Wesbanco Bank, Inc. | ||||||||
| Tier 1 leverage | 4.00% | 5.00% | $2,714,321 | 10.24% | $1,060,680 | $2,571,964 | 9.92% | $1,036,779 |
| Common equity Tier 1 | 4.50% | 6.50% | 2,714,321 | 12.06% | 1,013,056 | 2,571,964 | 12.06% | 959,751 |
| Tier 1 capital to risk-weighted assets | 6.00% | 8.00% | 2,714,321 | 12.06% | 1,350,741 | 2,571,964 | 12.06% | 1,279,668 |
| Total capital to risk-weighted assets | 8.00% | 10.00% | 2,938,577 | 13.05% | 1,800,989 | 2,798,197 | 13.12% | 1,706,224 |
(1)
Minimum requirements to remain adequately capitalized. Amounts and ratios shown do not include the impact of a capital conservation buffer of 2.50%.
(2) Reflects the well-capitalized standard under Regulation Y for Wesbanco, Inc. and the prompt corrective action framework for Wesbanco Bank, Inc.
LIQUIDITY RISK
Liquidity is defined as a financial institution’s capacity to meet its cash and collateral obligations at a reasonable cost. Liquidity risk is the risk that an institution’s financial condition or overall safety and soundness is adversely affected by an inability, or perceived inability, to meet its obligations. An institution’s obligations, and the funding sources to meet them, depend significantly on its business mix, balance sheet structure, and the cash flows of its on- and off-balance sheet obligations. Institutions confront various internal and external situations that can give rise to increased liquidity risk including funding mismatches, market constraints on funding sources, contingent liquidity events, changes in economic conditions, and exposure to credit, market, operation, legal and reputation risk. Wesbanco actively manages liquidity risk through its ability to provide adequate funds to meet changes in loan demand, unexpected outflows in deposits and other borrowings as well as to take advantage of market opportunities and meet operating cash needs. This is accomplished by maintaining liquid assets in the form of securities, sufficient borrowing capacity and a stable core deposit base. Liquidity is centrally monitored by Wesbanco’s ALCO which includes senior management representatives and reports to the Board of Directors through the board-level Enterprise Risk Management Committee.
Wesbanco determines the degree of required liquidity by the relationship of total holdings of liquid assets to potential funding needs to meet unexpected deposit losses and/or loan demands. The ability to quickly convert assets to cash at a minimal loss is a primary function of managing Wesbanco’s investment portfolio. Wesbanco believes its cash flow from the loan portfolio, the investment portfolio, and other sources adequately meet its liquidity requirements. Wesbanco’s net loans to assets ratio was 69.2% at September 30, 2026 and deposit balances funded 75.9% of assets.
The following table lists the sources of liquidity from assets at September 30, 2026 expected within the next year:
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