Revenue: As of FY2025 Q4, the actual value is USD 382.71 M.

EPS: As of FY2025 Q4, the actual value is USD 0.81.

EBIT: As of FY2025 Q4, the actual value is USD -107.68 M.

Operational Metrics

Net Income Available to Common Shareholders (GAAP)

• Fourth Quarter 2025: $78,162 thousand
• Fourth Quarter 2024: $47,098 thousand
• Year Ended 2025: $202,564 thousand
• Year Ended 2024: $141,385 thousand

Adjusted Net Income Available to Common Shareholders (Non-GAAP)

• Fourth Quarter 2025: $80,914 thousand
• Fourth Quarter 2024: $47,608 thousand
• Year Ended 2025: $309,477 thousand
• Year Ended 2024: $146,441 thousand

Net Interest Income

• Fourth Quarter 2025: $222.3 million, an increase of $95.8 million or 75.7% year-over-year
• Year Ended 2025: $814.3 million, an increase of $336.1 million or 70.3% year-over-year

Non-Interest Income

• Fourth Quarter 2025: $43.3 million, an increase of $6.9 million or 18.9% from Q4 2024
• Year Ended 2025: $166.8 million, an increase of $38.8 million or 30.3% year-over-year

Non-Interest Expense

• Fourth Quarter 2025 (excluding restructuring and merger-related costs): $144.4 million, a 43.7% increase year-over-year . Total non-interest expense was $147,888 thousand .
• Year Ended 2025 (excluding restructuring and merger-related costs): $548.6 million, a 38.7% increase compared to the prior year . Total non-interest expense was $624,575 thousand .

Provision for Credit Losses

• Fourth Quarter 2025: $3,059 thousand
• Fourth Quarter 2024: - $147 thousand
• Year Ended 2025: $77,242 thousand
• Year Ended 2024: $19,206 thousand

Net Interest Margin

• Fourth Quarter 2025: 3.61%, improved 58 basis points year-over-year and 8 basis points quarter-over-quarter
• Year Ended 2025: 3.53%
• Year Ended 2024: 2.96%

Efficiency Ratio (Non-GAAP)

• Fourth Quarter 2025: 51.62%
• Fourth Quarter 2024: 60.01%
• Year Ended 2025: 52.87%
• Year Ended 2024: 63.52%

Balance Sheet Metrics

Total Assets

• December 31, 2025: $27.7 billion, an increase of 48.2% year-over-year
• December 31, 2024: $18,684,298 thousand

Total Deposits

• December 31, 2025: $21.7 billion, increased 53.3% year-over-year
• December 31, 2024: $14,133,717 thousand
• Sequential Quarter Increase (from Q3 2025): $385 million

Total Loans (Portfolio Loans)

• December 31, 2025: $19.2 billion, increased 51.9% year-over-year
• December 31, 2024: $12,656,429 thousand
• Commercial Real Estate (CRE) Payoffs: Approximately $415 million in Q4 2025 and $905 million for the full year

Capital Ratios (as of December 31, 2025)

• Tier I leverage: 9.42%
• Tier I risk-based capital ratio: 11.38%
• Common equity Tier 1 capital ratio (CET 1): 10.34%
• Total risk-based capital: 13.88%
• Tangible common equity to tangible assets ratio: 8.13%

Credit Quality Metrics

Criticized and Classified Loans

• December 31, 2025: $604,928 thousand
• Criticized and classified loans as a percent of total portfolio loans: 3.15% (decreased 7 basis points from sequential quarter)

Net Charge-offs

• Fourth Quarter 2025: 0.06% of total loans

Allowance for Credit Losses - Loans

• December 31, 2025: $218.7 million, or 1.14% of total loans

Non-Performing Loans

• December 31, 2025: $91,584 thousand
• Non-performing loans / total portfolio loans: 0.48%

Unique Metrics

WesBanco Trust and Investment Services (WTIS) Assets Under Management

• December 31, 2025: Record $7.9 billion
• December 31, 2024: $5,968 million

Broker-Dealer Securities Account Values (including annuities)

• December 31, 2025: $2,481 million
• December 31, 2024: $1,852 million

Outlook / Guidance

WesBanco’s President and CEO, Jeff Jackson, stated that 2025 was a year of disciplined growth and strong execution, marked by the successful acquisition and integration of Premier Financial . The company achieved strong total and organic loan growth fully funded by deposits, strengthened its balance sheet, and improved its net interest margin . Their focus on cost control drove the efficiency ratio into the low 50 percent range, positioning them well to continue delivering value for customers and stakeholders .