WesBanco (WSBC) Investor presentation summary

Investment rationale and growth strategy

• 150 years of profitability, robust low-cost deposit base, and strong capital levels support stability and flexibility.

• Relationship-led, organic growth strategy with diversified revenue streams and disciplined expense culture.

• Consistent delivery on strategic priorities, fully funding loan growth through deposits, and positive operating leverage of 1.9x since 2021.

• Repeatable market expansion, opportunities to increase fee penetration, and efficiency gains through digital capabilities.

Business profile and market presence

• Operates in 10 states with $27.5B in assets, $19.1B in loans, and $21.7B in deposits as of 3/31/2026.

• Wealth assets under management total $10.4B; loan growth CAGR of 7.4% since 2021.

• Top 50 largest publicly traded financial institution with a diversified loan and deposit mix across key states.

Strategic priorities

• Focused on organic loan and deposit growth, fee income expansion, strategic market growth, operating leverage, and disciplined capital allocation.

• Drives deposit-funded loan growth by expanding in existing and new markets and enhancing product offerings.