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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Economic Value of Equity
Table 47: Economic Value of Equity
| Immediate Change in · Percentage Change in | |||
|---|---|---|---|
| Interest Rates · EVE from Base over One Year · ALCO | |||
| (basis points) | September 30, 2026 | December 31, 2025 | Guidelines |
| +300 | (2.4%) | (1.7%) | (30.0%) |
| +200 | (1.3%) | (0.6%) | (20.0%) |
| +100 | (0.5%) | (0.1%) | (10.0%) |
| -100 | (0.6%) | (0.3%) | (10.0%) |
| -200 | (2.0%) | (2.3%) | (20.0%) |
| -300 | (4.1%) | (6.0%) | (30.0%) |
The Bank has significant additional borrowing capacity with the FHLB of Pittsburgh, the Federal Reserve Bank of Cleveland and various correspondent banks, and may utilize these funding sources or interest rate swap strategies as necessary to lengthen liabilities, offset mismatches in various asset maturities and manage liquidity. CDARS®, ICS® and other reciprocal deposit networks may be utilized for similar purposes for certain customers seeking higher-yielding instruments or maintaining deposit levels below FDIC insurance limits and to help fund the balance sheet. Significant balance sheet strategies to assist in managing the net interest margin in the current interest rate environment include:
| • | increasing total loans, particularly commercial and home equity loans that have variable or adjustable features; |
|---|---|
| • | adjusting the percentage of sales of longer-term residential mortgage loan production into the secondary market; |
| • | managing rates on interest bearing deposits and growing demand deposit account types to increase the relative portion of these account types to total deposits; |
| • | employing back-to-back loan swaps for certain commercial loan customers desiring a term fixed rate loan equivalent, with the Bank receiving a variable rate; |
| • | adjusting terms for FHLB short-term maturing borrowings to balance asset/liability mismatches; or paying them off with excess liquidity; |
| • | using CDARS®, ICS® and other deposit networks to manage funding needs and overall liability mix; and |
| • | adjusting the size, mix or duration of the investment portfolio as part of liquidity and balance sheet management strategies. |
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