Form 8-K - Groowe Newsroom

8-K — WESBANCO INC

Accession: 0001193125-26-166971

Filed: 2026-04-21

Period: 2026-04-21

CIK: 0000203596

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — wsbc-20260421.htm (Primary)

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8-K

8-K (Primary)

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8-K

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 21, 2026

WESBANCO, INC.

(Exact name of Registrant as Specified in Its Charter)

West Virginia

001-39442

55-0571723

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

1 Bank Plaza

Wheeling, West Virginia

26003

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 304 234-9000

Former Name or Former Address, if Changed Since Last Report: Not Applicable

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock $2.0833 Par Value

WSBC

Nasdaq Global Select Market

Depositary Shares (each representing 1/40th interest in a share of 7.375% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B)

WSBCO

Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

Wesbanco, Inc. issued a press release and earnings call presentation today announcing earnings for the three months ended March 31, 2026. The press release is attached as Exhibit 99.1 and the earnings call presentation is attached as Exhibit 99.2 to this report.

Wesbanco, Inc. will host a conference call to discuss the Company's financial results for the first quarter of 2026 on Wednesday, April 22, 2026 at 9:00 a.m. ET.

Interested parties can access the live webcast of the conference call through the Investor Relations section of the Company's website, www.wesbanco.com. Participants can also listen to the conference call by dialing 888-347-6607, or 1-412-902-4290 for international callers, and asking to be joined into the Wesbanco call. Please log in or dial in at least 10 minutes prior to the start time to ensure a connection.

A replay of the conference call will be available by dialing 855-669-9658, or 1-412-317-0088 for international callers, and providing the access code of 4494073. The replay will begin at approximately 11:00 a.m. ET on April 22, 2026, and end at 12 a.m. ET on May 6, 2026. An archive of the webcast will be available for one year on the Investor Relations section of the Company’s website (www.wesbanco.com).

The press release is attached as Exhibit 99.1 to this report.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

99.1 - Press release dated April 21, 2026 announcing the earnings for the three months ended March 31, 2026.

99.2 - First quarter 2026 earnings conference call presentation.

104 – Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Wesbanco, Inc.

(registrant)

Date:

April 21, 2026

/s/ Daniel K. Weiss, Jr.

Daniel K. Weiss, Jr.

Senior Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: wsbc-ex99_1.htm · Sequence: 2

EX-99.1

WesBanco Announces First Quarter 2026 Financial Results

Improved net interest margin 22 basis points year-over-year; advanced organic growth with expansion into South Florida

Wheeling, WVa. (April 21, 2026) – WesBanco, Inc. (“WesBanco” or “Company”) (Nasdaq: WSBC), a diversified, multi-state bank holding company, today announced net income and related earnings per share for the three months ended March 31, 2026. Net income available to common shareholders for the first quarter of 2026 was $84.4 million, with diluted earnings per share of $0.88, compared to a loss of $11.5 million and $(0.15) per diluted share, respectively, for the first quarter of 2025. The first quarter of 2025 includes the impact of a day one provision for credit losses and other expenses related to the closing of the Premier Financial Corp. (“PFC”) acquisition on February 28, 2025.

As noted below, WesBanco reported $0.91 of earnings per diluted share, in the first quarter, as compared to $0.66 in the prior year period, when excluding after-tax restructuring and merger-related expenses and after-tax day one provision for credit losses on acquired loans (non-GAAP measures).

For the Three Months Ended March 31,

2026

2025

(unaudited, dollars in thousands,

except per share amounts)

Net

Income

Diluted

Earnings

Per Share

Net

Income

Diluted

Earnings

Per Share

Net income (loss) available to common shareholders (GAAP)

84,395

0.88

(11,523

)

(0.15

)

Add: After-tax restructuring and merger-related expenses(1)

2,933

0.03

15,808

0.21

Add: After-tax day one provision for credit losses on acquired loans

46,926

0.60

Adjusted net income available to common shareholders (Non-GAAP) (1)

87,328

0.91

51,211

0.66

(1) See non-GAAP financial measures for additional information relating to the calculation of these items.

Financial and operational highlights for the quarter ended March 31, 2026:

•

Achieved or exceeded year one financial targets outlined in the PFC acquisition model, including a 1.3% return on average assets, 10.7% CET1 ratio, and tangible book value per share of $22.45 (non-GAAP measures)

•

Advanced organic growth model with commercial banking expansion into high-growth South Florida markets

•

Increased net interest margin 22 basis points year-over-year to 3.57%, driven by lower funding costs and higher earning asset yields

•

Improved efficiency ratio nearly 4 percentage points year-over-year to 52.5%, primarily due to expense synergies from the PFC acquisition and the focus on positive operating leverage

•

Executed next phase of financial center optimization with planned closure of 10 financial centers in May 2026

•

Built record commercial loan pipeline totaling $1.6 billion as of March 31, 2026

•

Increased total deposits 1.8% year-over-year on an organic basis to $21.7 billion; flat compared to the fourth quarter

•

Increased total loans 2.2% year-over-year as organic growth more than offset higher commercial real estate (“CRE”) payoffs of $340 million

CRE payoffs impacted year-over-year loan growth by 1.4%

“Our first quarter results demonstrate sound fundamentals and the benefits of our disciplined approach to growth and expense management,” said Jeff Jackson, President and Chief Executive Officer, WesBanco. “We continued to drive organic loan and deposit growth, improved our net interest margin and efficiency ratio year-over-year, and exceeded our year one financial targets for the Premier acquisition – underscoring the strength of our operating model and our ability to deliver on strategic commitments. During the quarter, we took additional steps to position the Company for long-term success – expanding our commercial banking presence to high-growth South Florida markets and further optimizing our financial center network to align with customer behavior and drive operating efficiency. We remain focused on disciplined investment and execution to deliver consistent, sustainable value for our shareholders.”

Balance Sheet

WesBanco’s balance sheet, as of March 31, 2026, reflects organic growth and the impact of elevated CRE payoffs. Total assets increased 0.3% year-over-year to $27.5 billion, including total portfolio loans of $19.1 billion and total securities of $4.4 billion. Total portfolio loans increased 2.2% year-over-year due to organic growth of $667 million offset by higher CRE payoffs of $258 million. As anticipated, CRE payoffs continued to remain elevated and totaled approximately $340 million during the first quarter of 2026, consistent with the elevated quarterly levels incurred during the second half of 2025. The

commercial loan pipeline has grown 35% since year-end to a record $1.6 billion, as of March 31, 2026, and does not yet include the benefit of the South Florida expansion.

Deposits of $21.7 billion increased 1.8% year-over-year due to organic growth that more than offset the decline in higher cost certificates of deposit. On a sequential quarter basis, total deposits were essentially flat. Total demand deposits represented 50% of total deposits, with the non-interest bearing component representing 24%.

Credit Quality

As of March 31, 2026, credit quality measures have remained low, from a historical perspective, and favorable to all banks with assets between $20 and $50 billion for at least the last 5 quarters. Criticized and classified loans as a percent of total portfolio loans decreased $49 million, or 24 basis points, from the sequential quarter to 2.91%. Non-performing loans increased $53 million sequentially primarily due to three CRE loans across different markets and property types, none of which were office. Net charge-offs for the first quarter were 0.16% of total loans.

The allowance for credit losses to total portfolio loans at March 31, 2026 was 1.10% of total loans, or $210.0 million. The first quarter provision for credit losses was negative primarily due to lower loan balances and higher prepayment speeds. Excluded from the allowance for credit losses and the related coverage ratio is a remaining unaccreted discount on purchased loans from acquisitions representing 1.51% of total portfolio loans.

Net Interest Margin and Income

The first quarter margin of 3.57% improved 22 basis points year-over-year through a combination of lower funding costs and higher securities yields but declined 4 basis points sequentially. This decrease resulted from lower net loan growth, as well as modestly higher seasonal deposit contraction in the first two months of the quarter which fully recovered by March 31, 2026. Deposit funding costs of 235 basis points for the first quarter of 2026 decreased 20 basis points from the prior year period. When including non-interest bearing deposits, deposit funding costs for the first quarter were 177 basis points.

Net interest income for the first quarter of 2026 was $215.4 million, an increase of $56.9 million, or 35.9% year-over-year, reflecting the impact of the benefits from the PFC acquisition, loan growth, higher securities yields, and lower deposit and FHLB borrowing costs.

Non-Interest Income

For the first quarter of 2026, non-interest income of $41.8 million increased $7.2 million, or 20.7%, from the first quarter of 2025 due primarily to the acquisition of PFC on February 28 of last year. Service charges on deposits increased $2.4 million and digital banking fees increased $1.2 million year-over-year due to increased general spending and higher transaction volumes from our larger customer base, as well as organic growth from our treasury management products and services. Reflecting record asset levels, trust fees and net securities brokerage revenue increased $1.7 million and $0.8 million, respectively, due to the addition of PFC wealth clients, market value appreciation, and organic growth. Gross swap fees were $1.2 million in the first quarter, compared to $2.0 million in the prior year period, while fair value adjustments were losses of $0.1 million and $1.0 million, respectively.

Non-Interest Expense

Non-interest expense, excluding restructuring and merger-related costs, for the three months ended March 31, 2026 was $143.0 million, a $29.0 million, or 25.5%, increase year-over-year primarily due to the addition of the PFC expense base, which was only in the WesBanco expense base for one month in the prior year period, but were down as compared to the fourth quarter, reflecting expense management. Salaries and wages of $64.0 million and employee benefits expense of $17.6 million increased due to a full quarter of salaries as compared to the prior year. Amortization of intangible assets of $7.2 million increased $2.9 million year-over-year due to the core deposit intangible asset that was created from the acquisition of PFC. Equipment and software of $15.7 million, consistent with the last several quarters, increased $2.6 million due to the acquisition of PFC. Restructuring and merger-related expenses of $3.7 million are primarily related to costs associated with the 10 financial centers that are planned to close during May.

Capital

WesBanco continues to maintain what we believe are strong regulatory capital ratios, as both consolidated and bank-level regulatory capital ratios are well above the applicable “well-capitalized” standards promulgated by bank regulators and the BASEL III capital standards. At March 31, 2026, Tier I leverage was 9.63%, Tier I risk-based capital ratio was 11.72%, common equity Tier 1 capital ratio (“CET 1”) was 10.67%, and total risk-based capital was 14.19%. In addition, the tangible common equity to tangible assets ratio was 8.37%.

Conference Call and Webcast

WesBanco will host a conference call to discuss the Company's financial results for the first quarter of 2026 at 9:00 a.m. ET on Wednesday, April 22, 2026. Interested parties can access the live webcast of the conference call through the Investor Relations section of the Company's website, www.wesbanco.com. Participants can also listen to the conference call by

dialing 888-347-6607, or 1-412-902-4290 for international callers, and asking to be joined into the WesBanco call. Please log in or dial in at least 10 minutes prior to the start time to ensure a connection.

Forward-Looking Statements

Forward-looking statements in this report relating to WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco’s Form 10-K for the year ended December 31, 2025 and documents subsequently filed by WesBanco with the Securities and Exchange Commission (“SEC”), which are available at the SEC’s website, www.sec.gov or at WesBanco’s website, www.WesBanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco’s most recent Annual Report on Form 10-K filed with the SEC under “Risk Factors” in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; cyber-security breaches; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements.

While forward-looking statements reflect our good-faith beliefs, they are not guarantees of future performance. All forward-looking statements are necessarily only estimates of future results. Accordingly, actual results may differ materially from those expressed in or contemplated by the particular forward-looking statement, and, therefore, you are cautioned not to place undue reliance on such statements. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law.

Statements in this presentation with respect to the benefits of the merger between WesBanco and Premier, the parties’ plans, obligations, expectations, and intentions, and the statements with respect to accretion, earn back of tangible book value, tangible book value dilution and internal rate of return, constitute forward-looking statements as defined by federal securities laws. Such statements are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors including: changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of other business strategies; the nature, extent, and timing of governmental actions and reforms; extended disruption of vital infrastructure; and other factors described in WesBanco’s 2025 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the SEC.

Non-GAAP Financial Measures

In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), WesBanco's management uses, and this presentation contains or references, certain non-GAAP financial measures, such as pre-tax pre-provision income, tangible common equity/tangible assets; net income excluding after-tax restructuring and merger-related expenses and excluding after-tax day one provision for credit losses on acquired loans; efficiency ratio; return on average assets; and return on average tangible equity. WesBanco believes these financial measures provide information useful to investors in understanding our operational performance and business and performance trends which facilitate comparisons with the performance of others in the financial services industry. Although WesBanco believes that these non-GAAP financial measures enhance investors' understanding of WesBanco's business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the Quarterly Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings that the company has made with the SEC.

About WesBanco, Inc.

With over 150 years as a community-focused, regional financial services partner, WesBanco Inc. (NASDAQ: WSBC) and its subsidiaries build lasting prosperity through relationships and solutions that empower our customers for success in their financial journeys. Customers across our ten-state footprint choose WesBanco for the comprehensive range and personalized delivery of our retail and commercial banking solutions, as well as trust, brokerage, wealth management and insurance services, all designed to advance their financial goals. Through the strength of our teams, we leverage large bank capabilities and local focus to help make every community we serve a better place for people and businesses to thrive. Headquartered in Wheeling, West Virginia, WesBanco has $27.5 billion in total assets, with our Trust and Investment Services holding $7.8 billion of assets under management and securities account values (including annuities) of $2.6 billion through our broker/dealer, as of March 31, 2026. Learn more at www.wesbanco.com and follow @WesBanco on Facebook, LinkedIn and Instagram.

SOURCE: WesBanco, Inc.

WesBanco Company Contact:

John H. Iannone

Senior Vice President, Investor Relations

304-905-7021

###

WESBANCO, INC.

Consolidated Selected Financial Highlights

(unaudited, dollars in thousands, except shares and per share amounts)

For the Three Months Ended

STATEMENT OF INCOME

March 31,

2026

2025

% Change

Interest and dividend income

Loans, including fees

280,989

218,409

28.7

Interest and dividends on securities:

Taxable

31,443

22,247

41.3

Tax-exempt

4,824

4,529

6.5

Total interest and dividends on securities

36,267

26,776

35.4

Other interest income

8,368

8,047

4.0

Total interest and dividend income

325,624

253,232

28.6

Interest expense

Interest bearing demand deposits

29,368

29,377

(0.0

)

Money market deposits

32,151

21,134

52.1

Savings deposits

10,119

7,359

37.5

Certificates of deposit

22,591

18,558

21.7

Total interest expense on deposits

94,229

76,428

23.3

Federal Home Loan Bank borrowings

11,316

13,034

(13.2

)

Other short-term borrowings

598

1,122

(46.7

)

Subordinated debt and junior subordinated debt

4,080

4,129

(1.2

)

Total interest expense

110,223

94,713

16.4

Net interest income

215,401

158,519

35.9

Provision for credit losses

(897

)

68,883

(101.3

)

Net interest income after provision for credit losses

216,298

89,636

141.3

Non-interest income

Trust fees

10,442

8,697

20.1

Service charges on deposits

10,961

8,587

27.6

Digital banking income

6,599

5,404

22.1

Net swap fee and valuation income

1,062

961

10.5

Net securities brokerage revenue

3,472

2,701

28.5

Bank-owned life insurance

3,811

3,428

11.2

Mortgage banking income

919

1,140

(19.4

)

Net securities losses

(13

)

(318

)

95.9

Net gains / (losses) on other real estate owned and other assets

546

(40

)

Other income

4,032

4,105

(1.8

)

Total non-interest income

41,831

34,665

20.7

Non-interest expense

Salaries and wages

63,964

48,577

31.7

Employee benefits

17,611

12,970

35.8

Net occupancy

8,529

7,778

9.7

Equipment and software

15,678

13,050

20.1

Marketing

1,526

2,382

(35.9

)

FDIC insurance

4,784

4,187

14.3

Amortization of intangible assets

7,160

4,223

69.5

Restructuring and merger-related expense

3,713

20,010

(81.4

)

Other operating expenses

23,740

20,789

14.2

Total non-interest expense

146,705

133,966

9.5

Income / (loss) before provision for income taxes

111,424

(9,665

)

Provision / (benefit) for income taxes

22,789

(673

)

Net Income / (loss)

88,635

(8,992

)

Preferred stock dividends

4,240

2,531

67.5

Net income /(loss) available to common shareholders

84,395

(11,523

)

832.4

Taxable equivalent net interest income

216,683

159,723

35.7

Per common share data

Net income /(loss) per common share - basic

0.88

(0.15

)

686.7

Net income /(loss) per common share - diluted

0.88

(0.15

)

686.7

Adjusted net income per common share - diluted, excluding certain items (1)(2)

0.91

0.66

37.9

Dividends declared

0.38

0.37

2.7

Book value (period end)

40.01

38.02

5.2

Tangible book value (period end) (1)

22.45

20.06

11.9

Average common shares outstanding - basic

96,103,497

76,830,460

25.1

Average common shares outstanding - diluted

96,309,352

77,020,592

25.0

Period end common shares outstanding

96,134,158

95,672,204

0.5

Period end preferred shares outstanding

230,000

150,000

53.3

(1) See non-GAAP financial measures for additional information relating to the calculation of this item.

(2) Certain items excluded from the calculation consist of after-tax restructuring and merger-related expenses and the after-tax day one provision for credit losses on acquired loans.

NM - Not Meaningful

WESBANCO, INC.

Consolidated Selected Financial Highlights

(unaudited, dollars in thousands, unless otherwise noted)

Selected ratios

For the Three Months Ended

March 31,

2026

2025

% Change

Return on average assets

1.24

(0.22

)

663.64

Return on average assets, excluding certain items (1)

1.29

0.96

34.38

Return on average equity

8.38

(1.45

)

677.93

Return on average equity, excluding certain items (1)

8.67

6.45

34.42

Return on average tangible equity (1)

15.25

(1.74

)

976.44

Return on average tangible equity, excluding certain items (1)

15.74

11.61

35.57

Return on average tangible common equity (1)

16.82

(1.89

)

989.95

Return on average tangible common equity, excluding certain items (1)

17.37

12.56

38.30

Yield on earning assets (2)

5.38

5.33

0.94

Cost of interest bearing liabilities

2.50

2.78

(10.07

)

Net interest spread (2)

2.88

2.55

12.94

Net interest margin (2)

3.57

3.35

6.57

Efficiency (1) (2)

52.54

56.36

(6.78

)

Average loans to average deposits

89.05

89.32

(0.30

)

Annualized net loan charge-offs/average loans

0.16

0.08

100.00

Effective income tax rate

20.45

(6.96

)

393.82

For the Three Months Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

2026

2025

Return on average assets

1.24

1.13

1.17

0.81

(0.22

)

Return on average assets, excluding certain items (1)

1.29

1.17

1.30

1.28

0.96

Return on average equity

8.38

7.58

8.25

5.76

(1.45

)

Return on average equity, excluding certain items (1)

8.67

7.85

9.16

9.17

6.45

Return on average tangible equity (1)

15.25

13.93

15.86

11.27

(1.74

)

Return on average tangible equity, excluding certain items (1)

15.74

14.39

17.48

17.16

11.61

Return on average tangible common equity (1)

16.82

15.87

17.26

12.06

(1.89

)

Return on average tangible common equity, excluding certain items (1)

17.37

16.39

19.03

18.36

12.56

Yield on earning assets (2)

5.38

5.51

5.58

5.56

5.33

Cost of interest bearing liabilities

2.50

2.62

2.79

2.69

2.78

Net interest spread (2)

2.88

2.79

2.87

2.55

Net interest margin (2)

3.57

3.61

3.53

3.59

3.35

Efficiency (1) (2)

52.54

51.62

52.13

52.30

56.36

Average loans to average deposits

89.05

88.78

89.41

89.47

89.32

Annualized net loan charge-offs and recoveries /average loans

0.16

0.06

0.19

0.09

0.08

Effective income tax rate

20.45

20.51

19.10

(6.96

)

Trust and Investment Services assets under management (3)

7,810

7,886

7,688

7,205

6,951

Broker-dealer securities account values (including annuities) (3)

2,574

2,481

2,588

2,554

2,359

(1) Certain items excluded from the calculation can consist of after-tax restructuring and merger-related expenses and the after-tax day one provision for credit losses on acquired loans. See non-GAAP financial measures for additional information relating to the calculation of this item.

(2) The yield on earning assets, net interest margin, net interest spread and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments. WesBanco believes this measure to be the preferred industry measurement of net interest income and provides a relevant comparison between taxable and non-taxable amounts.

(3) Represents market value at period end, in millions.

WESBANCO, INC.

Consolidated Selected Financial Highlights

(unaudited, dollars in thousands, except shares)

% Change

March 31,

December 31,

March 31, 2026

Balance sheets

2026

2025

% Change

2025

to Dec. 31, 2025

Assets

Cash and due from banks

214,453

245,897

(12.8

)

204,860

4.7

Due from banks - interest bearing

745,957

845,818

(11.8

)

751,249

(0.7

)

Securities:

Equity securities, at fair value

30,256

28,217

7.2

30,809

(1.8

)

Available-for-sale debt securities, at fair value

3,298,237

3,149,043

4.7

3,288,332

0.3

Held-to-maturity debt securities (fair values of $1,011,303, $1,002,796 and $1,035,957 respectively)

1,120,597

1,143,376

(2.0

)

1,132,114

(1.0

)

Allowance for credit losses - held-to-maturity debt securities

(151

)

(137

)

(10.2

)

(168

)

10.1

Net held-to-maturity debt securities

1,120,446

1,143,239

(2.0

)

1,131,946

(1.0

)

Total securities

4,448,939

4,320,499

3.0

4,451,087

(0.0

)

Loans held for sale

59,281

243,281

(75.6

)

87,454

(32.2

)

Portfolio loans:

Commercial real estate

10,902,275

10,501,846

3.8

10,938,834

(0.3

)

Commercial and industrial

2,785,440

2,781,728

0.1

2,863,893

(2.7

)

Residential real estate

3,920,209

3,930,667

(0.3

)

3,938,585

(0.5

)

Home equity

1,149,878

1,020,929

12.6

1,129,394

1.8

Consumer

324,879

438,578

(25.9

)

355,726

(8.7

)

Total portfolio loans, net of unearned income

19,082,681

18,673,748

2.2

19,226,432

(0.7

)

Allowance for credit losses - loans

(210,023

)

(233,617

)

10.1

(218,749

)

4.0

Net portfolio loans

18,872,658

18,440,131

2.3

19,007,683

(0.7

)

Premises and equipment, net

251,325

281,493

(10.7

)

263,240

(4.5

)

Accrued interest receivable

105,288

108,778

(3.2

)

106,651

(1.3

)

Goodwill and other intangible assets, net

1,716,225

1,754,703

(2.2

)

1,723,385

(0.4

)

Bank-owned life insurance

560,773

548,601

2.2

557,512

0.6

Other assets

507,556

623,182

(18.6

)

543,212

(6.6

)

Total Assets

27,482,455

27,412,383

0.3

27,696,333

(0.8

)

Liabilities

Deposits:

Non-interest bearing demand

5,223,034

5,318,619

(1.8

)

5,376,767

(2.9

)

Interest bearing demand

5,505,382

5,000,881

10.1

5,186,880

6.1

Money market

4,904,510

4,875,384

0.6

5,072,039

(3.3

)

Savings deposits

3,306,044

3,068,618

7.7

3,157,782

4.7

Certificates of deposit

2,729,304

3,028,893

(9.9

)

2,875,372

(5.1

)

Total deposits

21,668,274

21,292,395

1.8

21,668,840

(0.0

)

Federal Home Loan Bank borrowings

975,000

1,476,511

(34.0

)

1,200,000

(18.8

)

Other short-term borrowings

114,068

147,804

(22.8

)

110,679

3.1

Subordinated debt and junior subordinated debt

308,683

360,156

(14.3

)

308,529

0.0

Total borrowings

1,397,751

1,984,471

(29.6

)

1,619,208

(13.7

)

Accrued interest payable

19,917

26,570

(25.0

)

19,150

4.0

Other liabilities

325,905

327,368

(0.4

)

357,222

(8.8

)

Total Liabilities

23,411,847

23,630,804

(0.9

)

23,664,420

(1.1

)

Shareholders' Equity

Preferred stock, no par value; 1,000,000 shares authorized; 0, 150,000 and 0 shares 6.75% non-cumulative perpetual preferred stock, Series A, liquidation preference $150.0 million, issued and outstanding, respectively

144,484

(100.0

)

(100.0

)

Preferred stock, no par value; 1,000,000 shares authorized; 230,000 0 and 230,000 shares of 7.375% non-cumulative perpetual preferred stock, Series B, liquidation preference $230.0 million, issued and outstanding, respectively

224,187

100.0

224,187

Common stock, $2.0833 par value; 200,000,000, 200,000,000, and 200,000,000 shares authorized; 96,134,158, 95,672,204 and 96,067,559 shares issued; 96,134,158, 95,672,204 and 96,067,559 shares outstanding, respectively

200,276

199,313

0.5

200,137

0.1

Capital surplus

2,495,091

2,485,223

0.4

2,490,440

0.2

Retained earnings

1,300,628

1,145,396

13.6

1,252,765

3.8

Accumulated other comprehensive loss

(147,195

)

(190,710

)

22.8

(133,320

)

(10.4

)

Deferred benefits for directors

(2,379

)

(2,127

)

(11.8

)

(2,296

)

(3.6

)

Total Shareholders' Equity

4,070,608

3,781,579

7.6

4,031,913

1.0

Total Liabilities and Shareholders' Equity

27,482,455

27,412,383

0.3

27,696,333

(0.8

)

WESBANCO, INC.

Consolidated Selected Financial Highlights

(unaudited, dollars in thousands)

For the Three Months Ended March 31,

2026

2025

Average balance sheet and

Average

net interest margin analysis

Balance

Rate

Balance

Rate

Assets

Due from banks - interest bearing

745,711

3.91

602,708

4.73

Loans, net of unearned income (1)

19,188,906

5.94

14,720,749

6.02

Securities: (2)

Taxable

3,904,167

3.27

3,237,372

2.79

Tax-exempt (3)

739,469

3.35

733,105

3.17

Total securities

4,643,636

3.28

3,970,477

2.86

Other earning assets

62,274

7.69

61,393

6.69

Total earning assets (3)

24,640,527

5.38

19,355,327

5.33

Other assets

2,890,093

2,303,025

Total Assets

27,530,620

21,658,352

Liabilities and Shareholders' Equity

Interest bearing demand deposits

5,327,178

2.24

4,166,005

2.86

Money market accounts

4,901,058

2.66

3,219,335

2.66

Savings deposits

3,237,453

1.27

2,605,145

1.15

Certificates of deposit

2,827,655

3.24

2,185,662

3.44

Total interest bearing deposits

16,293,344

2.35

12,176,147

2.55

Federal Home Loan Bank borrowings

1,155,278

3.97

1,168,981

4.52

Repurchase agreements

107,383

2.26

162,912

2.79

Subordinated debt and junior subordinated debt

308,585

5.36

305,309

5.48

Total interest bearing liabilities (4)

17,864,590

2.50

13,813,349

2.78

Non-interest bearing demand deposits

5,255,480

4,303,915

Other liabilities

323,933

322,449

Shareholders' equity

4,086,617

3,218,639

Total Liabilities and Shareholders' Equity

27,530,620

21,658,352

Taxable equivalent net interest spread

2.88

2.55

Taxable equivalent net interest margin

3.57

3.35

(1) Gross of allowance for credit losses, net of unearned income and includes non-accrual and loans held for sale. Loan fees included in interest income on loans were $1.8 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively. Additionally, loan accretion included in interest income on loans acquired from prior acquisitions was $13.3 million and $6.9 million for the three months ended March 31, 2026 and 2025, respectively.

(2) Average yields on available-for-sale securities are calculated based on amortized cost.

(3) Taxable equivalent basis is calculated on tax-exempt securities using a rate of 21% for each period presented.

(4) Accretion on interest bearing liabilities acquired from prior acquisitions was $0.3 million and $2.3 million for the three months ended March 31, 2026 and 2025, respectively.

WESBANCO, INC.

Consolidated Selected Financial Highlights

(unaudited, dollars in thousands, except shares and per share amounts)

Quarter Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

Statement of Income

2026

2025

Interest and dividend income

Loans, including fees

280,989

293,208

295,482

290,104

218,409

Interest and dividends on securities:

Taxable

31,443

31,546

31,483

31,066

22,247

Tax-exempt

4,824

4,865

4,692

4,616

4,529

Total interest and dividends on securities

36,267

36,411

36,175

35,682

26,776

Other interest income

8,368

9,821

11,229

10,596

8,047

Total interest and dividend income

325,624

339,440

342,886

336,382

253,232

Interest expense

Interest bearing demand deposits

29,368

29,821

31,351

30,405

29,377

Money market deposits

32,151

36,166

38,249

36,287

21,134

Savings deposits

10,119

9,570

9,577

8,670

7,359

Certificates of deposit

22,591

24,235

23,554

21,442

18,558

Total interest expense on deposits

94,229

99,792

102,731

96,804

76,428

Federal Home Loan Bank borrowings

11,316

11,378

17,337

16,683

13,034

Other short-term borrowings

598

730

766

816

1,122

Subordinated debt and junior subordinated debt

4,080

5,243

5,336

5,310

4,129

Total interest expense

110,223

117,143

126,170

119,613

94,713

Net interest income

215,401

222,297

216,716

216,769

158,519

Provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Net interest income after provision for credit losses

216,298

219,238

214,634

213,551

89,636

Non-interest income

Trust fees

10,442

9,745

8,987

9,657

8,697

Service charges on deposits

10,961

11,159

11,163

10,484

8,587

Digital banking income

6,599

6,422

7,324

7,325

5,404

Net swap fee and valuation income

1,062

3,959

3,231

746

961

Net securities brokerage revenue

3,472

2,836

2,961

3,348

2,701

Bank-owned life insurance

3,811

4,458

3,765

3,450

3,428

Mortgage banking income

919

791

1,898

2,364

1,140

Net securities (losses) / gains

(13

)

1,077

1,210

1,410

(318

)

Net gains / (losses) other real estate owned and other assets

546

(824

)

329

111

(40

)

Other income

4,032

3,647

3,996

5,062

4,105

Total non-interest income

41,831

43,270

44,864

43,957

34,665

Non-interest expense

Salaries and wages

63,964

61,664

60,583

60,153

48,577

Employee benefits

17,611

17,148

18,040

18,857

12,970

Net occupancy

8,529

8,522

8,819

8,119

7,778

Equipment and software

15,678

16,110

16,310

17,140

13,050

Marketing

1,526

2,636

2,979

1,864

2,382

FDIC insurance

4,784

5,411

5,820

5,479

4,187

Amortization of intangible assets

7,160

7,217

8,425

9,204

4,223

Restructuring and merger-related expense

3,713

3,483

11,383

41,056

20,010

Other operating expenses

23,740

25,697

23,829

24,663

20,789

Total non-interest expense

146,705

147,888

156,188

186,535

133,966

Income / (loss) before provision for income taxes

111,424

114,620

103,310

70,973

(9,665

)

Provision / (benefit) for income taxes

22,789

23,510

19,737

13,558

(673

)

Net Income /(loss)

88,635

91,110

83,573

57,415

(8,992

)

Preferred stock dividends

4,240

12,948

2,531

Net income / (loss) available to common shareholders

84,395

78,162

81,042

54,884

(11,523

)

Taxable equivalent net interest income

216,683

223,590

217,963

217,996

159,723

Per common share data

Net income / (loss) per common share - basic

0.88

0.81

0.84

0.57

(0.15

)

Net income / (loss) per common share - diluted

0.88

0.81

0.84

0.57

(0.15

)

Adjusted net income per common share - diluted, excluding certain items (1)(2)

0.91

0.84

0.94

0.91

0.66

Dividends declared

0.38

0.37

Book value (period end)

40.01

39.64

39.02

38.28

38.02

Tangible book value (period end) (1)

22.45

22.01

21.29

20.48

20.06

Average common shares outstanding - basic

96,103,497

96,053,336

95,995,174

95,744,980

76,830,460

Average common shares outstanding - diluted

96,309,352

96,226,845

96,116,617

95,808,310

77,020,592

Period end common shares outstanding

96,134,158

96,067,559

96,044,222

95,986,023

95,672,204

Period end preferred shares outstanding

230,000

380,000

150,000

Full time equivalent employees

2,973

3,030

3,064

3,253

3,205

(1) See non-GAAP financial measures for additional information relating to the calculation of this item.

(2) Certain items excluded from the calculation consist of after-tax restructuring and merger-related expenses and the after-tax day one provision for credit losses on acquired loans.

WESBANCO, INC.

Consolidated Selected Financial Highlights

(unaudited, dollars in thousands)

Quarter Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

Asset quality data

2026

2025

Non-performing assets:

Total non-performing loans

145,008

91,584

94,463

84,319

81,489

Other real estate and repossessed assets

1,323

907

997

958

1,854

Total non-performing assets

146,331

92,491

95,460

85,277

83,343

Past due loans (1):

Loans past due 30-89 days

89,877

91,199

80,333

65,401

69,755

Loans past due 90 days or more

16,210

37,783

19,430

20,890

10,734

Total past due loans

106,087

128,982

99,763

86,291

80,489

Criticized and classified loans (2):

Criticized loans

326,853

413,068

433,320

531,415

470,619

Classified loans

228,606

191,860

175,648

151,849

149,452

Total criticized and classified loans

555,459

604,928

608,968

683,264

620,071

Loans past due 30-89 days / total portfolio loans

0.47

0.42

0.35

0.37

Loans past due 90 days or more / total portfolio loans

0.08

0.20

0.10

0.11

0.06

Non-performing loans / total portfolio loans

0.76

0.48

0.50

0.45

0.44

Non-performing assets/total portfolio loans, other

real estate and repossessed assets

0.77

0.48

0.50

0.45

Non-performing assets / total assets

0.53

0.33

0.35

0.31

0.30

Criticized and classified loans / total portfolio loans

2.91

3.15

3.22

3.63

3.32

Allowance for credit losses

Allowance for credit losses - loans

210,023

218,749

217,666

223,866

233,617

Allowance for credit losses - loan commitments

7,212

6,950

7,628

6,168

6,459

Provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Net loan and deposit account overdraft charge-offs and recoveries

7,584

2,666

8,867

4,329

2,771

Annualized net loan charge-offs and recoveries / average loans

0.16

0.06

0.19

0.09

0.08

Allowance for credit losses - loans / total portfolio loans

1.10

1.14

1.15

1.19

1.25

Allowance for credit losses - loans / non-performing loans

1.45

2.39

2.30

2.65

2.87

Allowance for credit losses - loans / non-performing loans

and loans past due

0.84

0.99

1.12

1.31

1.44

Quarter Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

2026

2025

Capital ratios

Tier I leverage capital

9.63

9.42

9.72

8.66

11.01

Tier I risk-based capital

11.72

11.42

11.83

10.59

10.69

Total risk-based capital

14.19

13.92

14.58

13.40

13.59

Common equity tier 1 capital ratio (CET 1)

10.67

10.37

10.10

9.90

9.99

Average shareholders' equity to average assets

14.84

14.88

14.22

13.99

14.86

Tangible equity to tangible assets (3)

9.24

8.99

9.35

8.16

8.03

Tangible common equity to tangible assets (3)

8.37

8.13

7.92

7.60

7.47

(1) Excludes non-performing loans.

(2) Criticized and classified commercial loans include loans that are also reported as non-performing or past due.

(3) See non-GAAP financial measures for additional information relating to the calculation of this ratio.

NON-GAAP FINANCIAL MEASURES

The following non-GAAP financial measures used by WesBanco provide information useful to investors in understanding WesBanco’s operating performance and trends, and facilitate comparisons with the performance of WesBanco’s peers. The following tables summarize the non-GAAP financial measures derived from amounts reported in WesBanco’s financial statements.

Three Months Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

(unaudited, dollars in thousands, except shares and per share amounts)

2026

2025

Return on average assets, excluding certain items:

Net income / (loss) available to common shareholders

84,395

78,162

81,042

54,884

(11,523

)

Plus: after-tax restructuring and merger-related expenses (1)

2,933

2,752

8,993

32,434

15,808

Plus: after-tax day one provision for credit losses on acquired loans (1)

46,926

Net income available to common shareholders, excluding certain items

87,328

80,914

90,035

87,318

51,211

Average total assets

27,530,620

27,481,963

27,419,726

27,304,700

21,658,352

Return on average assets, excluding certain items (annualized) (2)

1.29

1.17

1.30

1.28

0.96

Return on average equity, excluding certain items:

Net income / (loss) available to common shareholders

84,395

78,162

81,042

54,884

(11,523

)

Plus: after-tax restructuring and merger-related expenses (1)

2,933

2,752

8,993

32,434

15,808

Plus: after-tax day one provision for credit losses on acquired loans (1)

46,926

Net income available to common shareholders excluding certain items

87,328

80,914

90,035

87,318

51,211

Average total shareholders' equity

4,086,617

4,088,456

3,898,142

3,819,513

3,218,639

Return on average equity, excluding certain items (annualized) (2)

8.67

7.85

9.16

9.17

6.45

Return on average tangible equity:

Net income / (loss) available to common shareholders

84,395

78,162

81,042

54,884

(11,523

)

Plus: amortization of intangibles (1)

5,656

5,701

6,656

7,271

3,336

Net income / (loss) available to common shareholders before amortization of intangibles

90,051

83,863

87,698

62,155

(8,187

)

Average total shareholders' equity

4,086,617

4,088,456

3,898,142

3,819,513

3,218,639

Less: average goodwill and other intangibles, net of def. tax liability

(1,691,156

)

(1,700,188

)

(1,704,105

)

(1,608,358

)

(1,312,855

)

Average tangible equity

2,395,461

2,388,268

2,194,037

2,211,155

1,905,784

Return on average tangible equity (annualized) (2)

15.25

13.93

15.86

11.27

-1.74

Average tangible common equity

2,171,274

2,096,528

2,015,329

2,066,671

1,761,300

Return on average tangible common equity (annualized) (2)

16.82

15.87

17.26

12.06

-1.89

Return on average tangible equity, excluding certain items:

Net income / (loss) available to common shareholders

84,395

78,162

81,042

54,884

(11,523

)

Plus: after-tax restructuring and merger-related expenses (1)

2,933

2,752

8,993

32,434

15,808

Plus: amortization of intangibles (1)

5,656

5,701

6,656

7,271

3,336

Plus: after-tax day one provision for credit losses on acquired loans (1)

46,926

Net income available to common shareholders before amortization of intangibles and excluding certain items

92,984

86,615

96,691

94,589

54,547

Average total shareholders' equity

4,086,617

4,088,456

3,898,142

3,819,513

3,218,639

Less: average goodwill and other intangibles, net of def. tax liability

(1,691,156

)

(1,700,188

)

(1,704,105

)

(1,608,358

)

(1,312,855

)

Average tangible equity

2,395,461

2,388,268

2,194,037

2,211,155

1,905,784

Return on average tangible equity, excluding certain items (annualized) (2)

15.74

14.39

17.48

17.16

11.61

Average tangible common equity

2,171,274

2,096,528

2,015,329

2,066,671

1,761,300

Return on average tangible common equity, excluding certain items (annualized) (2)

17.37

16.39

19.03

18.36

12.56

Three Months Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

(unaudited, dollars in thousands, except shares and per share amounts)

2026

2025

Efficiency ratio:

Non-interest expense

146,705

147,888

156,188

186,535

133,966

Less: amortization of intangibles

(7,160

)

(7,217

)

(8,245

)

(9,204

)

(4,223

)

Less: restructuring and merger-related expense

(3,713

)

(3,483

)

(11,383

)

(41,056

)

(20,010

)

Non-interest expense excluding restructuring and merger-related expense

135,832

137,188

136,380

136,275

109,733

Net interest income on a fully taxable equivalent basis

216,683

223,590

217,963

217,996

159,723

Non-interest income, excluding net securities gains (losses)

41,844

42,193

43,654

42,547

34,983

Net interest income on a fully taxable equivalent basis plus non-interest income

258,527

265,783

261,617

260,543

194,706

Efficiency ratio

52.54

51.62

52.13

52.30

56.36

Adjusted net income available to common shareholders, excluding certain items:

Net income / (loss) available to common shareholders

84,395

78,162

81,042

54,884

(11,523

)

Add: after-tax restructuring and merger-related expenses (1)

2,933

2,752

8,993

32,434

15,808

Add: after-tax day one provision for credit losses on acquired loans (1)

46,926

Adjusted net income available to common shareholders, excluding certain items:

87,328

80,914

90,035

87,318

51,211

Adjusted net income per common share - diluted, excluding certain items:

Net income / (loss) per common share - diluted

0.88

0.81

0.84

0.57

(0.15

)

Add: after-tax restructuring and merger-related expenses per common share - diluted (1)

0.03

0.10

0.34

0.21

Add: after-tax day one provision for credit losses on acquired loans (1)

0.60

Adjusted net income per common share - diluted, excluding certain items:

0.91

0.84

0.94

0.91

0.66

Period End

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

2026

2025

Tangible book value per share:

Total shareholders' equity

4,070,608

4,031,913

4,116,527

3,819,220

3,781,579

Less: goodwill and other intangible assets, net of def. tax liability

(1,688,098

)

(1,693,755

)

(1,702,916

)

(1,709,001

)

(1,718,048

)

Less: preferred shareholder's equity

(224,187

)

(224,187

)

(368,867

)

(144,484

)

(144,484

)

Tangible common equity

2,158,323

2,113,971

2,044,744

1,965,735

1,919,047

Common shares outstanding

96,134,158

96,067,559

96,044,222

95,986,023

95,672,204

Tangible book value per share

22.45

22.01

21.29

20.48

20.06

Tangible common equity to tangible assets:

Total shareholders' equity

4,070,608

4,031,913

4,116,527

3,819,220

3,781,579

Less: goodwill and other intangible assets, net of def. tax liability

(1,688,098

)

(1,693,755

)

(1,702,916

)

(1,709,001

)

(1,718,048

)

Tangible equity

2,382,510

2,338,158

2,413,611

2,110,219

2,063,531

Less: preferred shareholders' equity

(224,187

)

(224,187

)

(368,867

)

(144,484

)

(144,484

)

Tangible common equity

2,158,323

2,113,971

2,044,744

1,965,735

1,919,047

Total assets

27,482,455

27,696,333

27,518,042

27,571,576

27,412,383

Less: goodwill and other intangible assets, net of def. tax liability

(1,688,098

)

(1,693,755

)

(1,702,916

)

(1,709,001

)

(1,718,048

)

Tangible assets

25,794,357

26,002,578

25,815,126

25,862,575

25,694,335

Tangible equity to tangible assets

9.24

8.99

9.35

8.16

8.03

Tangible common equity to tangible assets

8.37

8.13

7.92

7.60

7.47

(1) Tax effected at 21% for all periods presented.

(2) The ratios are annualized by utilizing actual number of days in the quarter versus the year.

ADDITIONAL NON-GAAP FINANCIAL MEASURES

Three Months Ended

Mar. 31,

Dec. 31,

Sept. 30,

June 30,

Mar. 31,

(unaudited, dollars in thousands, except shares and per share amounts)

2026

2025

Pre-tax, pre-provision income:

Income / (loss) before provision / (benefit) for income taxes

111,424

114,620

103,310

70,973

(9,665

)

Add: provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Pre-tax, pre-provision income

110,527

117,679

105,392

74,191

59,218

Pre-tax, pre-provision income, excluding restructuring and merger-related expenses:

Income / (loss) before provision / (benefit) for income taxes

111,424

114,620

103,310

70,973

(9,665

)

Add: provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Add: restructuring and merger-related expenses

3,713

3,483

11,383

41,056

20,010

Pre-tax, pre-provision income, excluding restructuring and merger-related expenses

114,240

121,162

116,775

115,247

79,228

Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses:

Income / (loss) before provision / (benefit) for income taxes

111,424

114,620

103,310

70,973

(9,665

)

Add: provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Add: restructuring and merger-related expenses

3,713

3,483

11,383

41,056

20,010

Pre-tax, pre-provision income, excluding restructuring and merger-related expenses

114,240

121,162

116,775

115,247

79,228

Average total assets

27,530,620

27,481,963

27,419,726

27,304,700

21,658,352

Pre-tax, pre-provision return on average assets, excluding restructuring and merger-related expenses (annualized) (2)

1.68

1.75

1.69

1.48

Pre-tax, pre-provision return on average equity, excluding restructuring and merger-related expenses:

Income / (loss) before provision / (benefit) for income taxes

111,424

114,620

103,310

70,973

(9,665

)

Add: provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Add: restructuring and merger-related expenses

3,713

3,483

11,383

41,056

20,010

Pre-tax, pre-provision income, excluding restructuring and merger-related expenses

114,240

121,162

116,775

115,247

79,228

Average total shareholders' equity

4,086,617

4,088,456

3,898,142

3,819,513

3,218,639

Pre-tax, pre-provision return on average equity, excluding restructuring and merger-related expenses (annualized) (2)

11.34

11.76

11.88

12.10

9.98

Pre-tax, pre-provision return on average tangible equity, excluding certain items (1):

Income / (loss) before provision / (benefit) for income taxes

111,424

114,620

103,310

70,973

(9,665

)

Add: provision for credit losses

(897

)

3,059

2,082

3,218

68,883

Add: amortization of intangibles

7,160

7,217

8,425

9,204

4,223

Add: restructuring and merger-related expenses

3,713

3,483

11,383

41,056

20,010

Pre-tax, pre-provision income before restructuring and merger-related expenses and amortization of intangibles

121,400

128,379

125,200

124,451

83,451

Average total shareholders' equity

4,086,617

4,088,456

3,898,142

3,819,513

3,218,639

Less: average goodwill and other intangibles, net of def. tax liability

(1,691,156

)

(1,700,188

)

(1,704,105

)

(1,608,358

)

(1,312,855

)

Average tangible equity

2,395,461

2,388,268

2,194,037

2,211,155

1,905,784

Pre-tax, pre-provision return on average tangible equity, excluding certain items (annualized) (1) (2)

20.55

21.33

22.64

22.58

17.76

Average tangible common equity

2,171,274

2,096,528

2,015,329

2,066,671

1,761,300

Pre-tax, pre-provision return on average tangible common equity, excluding certain items (annualized) (1) (2)

22.68

24.29

24.65

24.15

19.22

(1) Certain items excluded from the calculations consist of credit provisions, tax provisions and restructuring and merger-related expenses.

(2) The ratios are annualized by utilizing actual numbers of days in the quarter versus the year.

EX-99.2

Filename: wsbc-ex99_2.htm · Sequence: 3

First Quarter 2026 Earnings Call Presentation April 22, 2026

Forward-Looking Statements and Non-GAAP Financial Measures Forward-looking statements in this report relating to WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco’s Form 10-K for the year ended December 31, 2025 and documents subsequently filed by WesBanco with the Securities and Exchange Commission (“SEC”), which are available at the SEC’s website, www.sec.gov or at WesBanco’s website, www.WesBanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco’s most recent Annual Report on Form 10-K filed with the SEC under “Risk Factors” in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; cyber-security breaches; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements. While forward-looking statements reflect our good-faith beliefs, they are not guarantees of future performance. All forward-looking statements are necessarily only estimates of future results. Accordingly, actual results may differ materially from those expressed in or contemplated by the particular forward-looking statement, and, therefore, you are cautioned not to place undue reliance on such statements. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law. Statements in this presentation with respect to the benefits of the merger between WesBanco and Premier, the parties’ plans, obligations, expectations, and intentions, and the statements with respect to accretion, earn back of tangible book value, tangible book value dilution and internal rate of return, constitute forward-looking statements as defined by federal securities laws. Such statements are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors including: changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of other business strategies; the nature, extent, and timing of governmental actions and reforms; extended disruption of vital infrastructure; and other factors described in WesBanco’s 2025 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the SEC. In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), WesBanco's management uses, and this presentation contains or references, certain non-GAAP financial measures, such as pre-tax pre-provision income, tangible common equity/tangible assets; net income excluding after-tax restructuring and merger-related expenses and excluding after-tax day one provision for credit losses on acquired loans; efficiency ratio; return on average assets; and return on average tangible equity. WesBanco believes these financial measures provide information useful to investors in understanding our operational performance and business and performance trends which facilitate comparisons with the performance of others in the financial services industry. Although WesBanco believes that these non-GAAP financial measures enhance investors' understanding of WesBanco's business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the Quarterly Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings that the company has made with the SEC.

GAAP EPS of $0.88 but, when excluding merger and restructuring costs, EPS(1) was $0.91 and increased 38% compared to the prior year and 8% from the sequential quarter Achieved or exceeded year one financial targets outlined in the PFC acquisition model(2), 1.3% return on average assets, a 10.7% CET1 ratio, and tangible book value per share of $22.45(1) Advanced organic growth model with commercial banking expansion into high-growth South Florida markets Increased NIM 22bp YoY to 3.57%, driven by lower funding costs and higher earning asset yields Improved efficiency ratio nearly 4 percentage points YoY to 52.5%, primarily due to expense synergies from the PFC acquisition and the focus on positive operating leverage Executed next phase of financial center optimization with planned closure of 10 financial centers in May Built record commercial loan pipeline of $1.6 billion Increased total deposits 1.8% YoY on an organic basis to $21.7 billion; flat compared to the fourth quarter Increased total loans 2.2% YoY as organic growth more than offset higher CRE payoffs of $340 million Elevated payoffs impacted YoY loan growth by 1.4% Strong YoY Increase in EPS; Improved NIM 22bp YoY Net Income Available to Common Shareholders and Diluted EPS(1) $87.3 million; $0.91/share Net Interest Margin +22 bp YoY Total Loan Growth +2.2% YoY or +3.6%, excluding CRE payoff headwind Total Deposit Growth +1.8% YoY; flat QoQ Criticized and Classified Loans to Total Loans 2.91% CET1 Capital Ratio 10.67% Note: financial and operational highlights for the quarter ended March 31, 2026; EPS = earnings per share; CRE = commercial real estate; YoY = year-over-year; QoQ = quarter-over-quarter; bp = basis points; CET1 = common equity tier 1; PFC = Premier Financial Corp. (acquisition closed on 2/28/2025) (1) Non-GAAP measure – please see reconciliation in appendix (2) PFC acquisition presentation published on 7/26/2024 Q1 2026 Financial and Operational Highlights

Note: PTPP = pre-tax, pre-provision (1) Non-GAAP measure – please see reconciliation in appendix (2) Excludes restructuring and merger-related expenses and/or day 1 provision for credit losses on acquired loans Key Metrics Q1 2026 Financial and Operational Highlights

Organic Growth Model Intact – Impacted by Elevated CRE Payoffs Note: commercial payoffs and new originations and associated yields (in charts above); C&I = Commercial & Industrial Q1 2026 Total Portfolio Loans Total loans increased $400 million, or 2.2%, YoY to $19.1 billion, driven by commercial and home equity lending CRE loan payoffs remained elevated and totaled $340 million for the first quarter of 2025, consistent with the elevated quarterly levels incurred during the second half of 2025 The increase in payoffs negatively impacted YoY loan growth by approximately 1.4% Commercial loan pipeline a record $1.6 billion, as of 3/31/2026 50% of pipeline from PFC markets and loan production offices Initial Florida pipeline adds an additional $30 million C&I line utilization was approximately 37% for Q1 2026

Deposit Growth Remained Solid Note: “uninsured deposits” are approximated; “collateralized municipal deposits” are collateralized by securities Q1 2026 Total Deposits Total deposits increased $376 million, or 1.8%, YoY to $21.7 billion, driven by demand deposits and savings account growth which more than offset the intentional run-off of $300 million of higher cost certificates of deposit Total demand deposits continued to represent 50% of total deposits Distribution: consumer 52% and business 32% (note: public funds, which are separately collateralized, 16%) Average loans to average deposits were 89.1%, providing continued capacity to fund loan growth

Tangible common equity to tangible assets ratio(1) of 8.37% Weighted average yield 3.28% vs. 2.86% last year Weighted average duration 4.3 Total unrealized securities losses (after-tax): Available for Sale (“AFS”) = $155MM Held to Maturity (“HTM”)(2) = $84MM Securities Represent 16% of Total Assets Note: securities chart excludes allowance for credit losses for HTM securities; weighted average yields have been calculated on a taxable-equivalent basis using the federal statutory rate of 21%; after-tax unrealized losses have been calculated using the Other Comprehensive Income (“OCI”) tax rate of ~23% (1) Non-GAAP measure – please see reconciliation in appendix (2) HTM losses not recognized in accumulated other comprehensive income Q1 2026 Total Securities $MM

Q1 2026 NIM of 3.57% improved 22 bp YoY, through a combination of lower funding costs and higher securities yields NIM decreased 4 bp on a sequential quarter basis due to lower net loan growth, as well as modestly higher seasonal deposit contraction in the first two months of the quarter which fully recovered by quarter-end Deposit funding costs, including non-interest bearing deposits, were 177 bp and decreased 11 bp YoY and 7 bp QoQ Average FHLB borrowings of $1.2 billion had a weighted average cost of 3.97% which decreased 55 bp YoY and 34 bp QoQ Of the $1.0 billion of borrowings at 3/31/2026, approximately 95% have 2026 maturities, with an average rate of 3.92% NIM Benefiting from Management of Funding Costs and Loan Growth Q1 2026 Net Interest Margin (NIM)

Note: OREO = other real estate owned; AUM = assets under management; securities account values include annuities Fee Income Increased $7.2 Million, or 20.7%, Year-Over-Year Q1 2026 Non-Interest Income Non-interest income increased 20.7% YoY due primarily to the acquisition of PFC, which occurred on February 28, 2025, which increased the size of our customer base and wealth management assets managed, as well as organic growth Service charges on deposits and digital banking fees reflect increased general spending and higher transaction volumes from our larger customer base, and organic growth from our treasury management products and services Reflecting record asset levels, trust fees and securities brokerage revenue increased due to the addition of PFC wealth clients, market value appreciation, and organic growth Trust and Investment Services assets under management increased 12% YoY to $7.8 billion Broker-dealer securities account values (including annuities) increased 9% YoY to $2.6 billion Gross swap fees were $1.2 million, compared to $2.0 million in the prior year Fair market valuation losses were $0.1 million, compared to $1.0 million last year

Expenses Declined $1.4 Million Sequentially Due to Cost Control Q1 2026 Non-Interest Expense Non-interest expense, excluding merger and restructuring charges, decreased sequentially primarily from control of marketing and other costs Non-interest expense, excluding merger and restructuring charges, increased 25.5% YoY due to the addition of the PFC expense, which was only in the expense base for one month in the prior year period Salaries and wages and employee benefits expense increased due to a full quarter of staffing Amortization of intangible assets increased due to the core deposit intangible asset that was created from the acquisition of PFC Equipment and software, which has been in a consistent range the last several quarters, increased YoY due to the acquisition of PFC Restructuring and merger-related expenses are primarily related to costs associated with the 10 financial centers that are planned to close during May

Favorable Asset Quality Measures Compared to Peer Bank Group Note: financial data as of quarter ending for dates specified; peer bank group includes all U.S. banks with total assets of $20B to $50B (excluding FINN) from S&P Capital IQ (as of 4/14/2026) and represent simple averages except criticized & classified loans as % of total loans and allowance for credit losses as % of total loans which are weighted averages Strong Legacy of Credit Quality Criticized & Classified Loans as % of Total Loans Non-Performing Assets as % of Total Assets Net Charge-Offs as % of Average Loans (Annualized) Allowance for Credit Losses as % of Total Loans

The allowance for credit losses on loans was $210.0 million at 3/31/2026, which provided a coverage ratio of 1.10% Excluded from the allowance for credit losses and the related coverage ratio is a remaining unaccreted discount on purchased loans from acquisitions representing 1.51% of total portfolio loans The first quarter provision for credit losses was negative primarily due to lower loan balances and higher prepayment speeds Non-Depository Financial Institution (NDFI) exposure <$55 million No exposure to technology and software firms or data centers and related infrastructure projects Allowance Coverage Ratio of 1.10% Q1 2026 Current Expected Credit Loss (CECL) Note: ACL at 3/31/2026 excludes off-balance sheet credit exposures of $7.2 million

Strong regulatory capital ratios significantly above both regulatory requirements and well-capitalized levels, with favorable tangible equity levels compared to peers ~0.9 million shares continue to remain for repurchase (as of 3/31/2026)(1) No shares repurchased on the open market during Q1 2026 Capital Ratios Above Both Regulatory and Well-Capitalized Levels Strong Capital Position Note: financial data as of quarter ending 12/31; current year data as of 3/31/2026; WSBC adopted Current Expected Credit Losses (“CECL”) accounting standard on 1/1/2020; in conjunction with the PFC acquisition, WSBC raised $200MM of common equity on 8/1/2024 to support future growth and issued $1B of common equity on the 2/28/2025 closing; on 9/10/2025, raised $230MM of Series B preferred stock to primarily redeem the Series A preferred stock and $50MM of acquired PFC sub-debt (1) Under the existing share repurchase authorization that was approved on February 24, 2022 by WesBanco’s Board of Directors Common Equity Tier 1 Capital Ratio (CET 1) Tier 1 Risk-Based Capital Ratio Well-Capitalized 8.0% Required 6.0%

Appendix

Pre-Tax, Pre-Provision Income (PTPP) and Ratios Reconciliation

Net Income and Diluted Earnings per Share (EPS) Reconciliation

Tangible Book Value per Share Reconciliation

Efficiency Ratio Reconciliation

Return on Average Assets Reconciliation

Return on Average Tangible Common Equity Reconciliation

Tangible Common Equity to Tangible Assets Reconciliation

First Quarter 2026 Earnings Call Presentation

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v3.26.1

Document And Entity Information

Apr. 21, 2026

Document Information [Line Items]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Apr. 21, 2026

Entity Registrant Name

WESBANCO, INC.

Entity Central Index Key

0000203596

Entity Emerging Growth Company

false

Entity File Number

001-39442

Entity Incorporation, State or Country Code

Entity Tax Identification Number

55-0571723

Entity Address, Address Line One

1 Bank Plaza

Entity Address, City or Town

Wheeling

Entity Address, State or Province

Entity Address, Postal Zip Code

26003

City Area Code

304

Local Phone Number

234-9000

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

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Series B Preferred Stock [Member]

Document Information [Line Items]

Title of 12(b) Security

Depositary Shares (each representing 1/40th interest in a share of 7.375% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B)

Trading Symbol

WSBCO

Security Exchange Name

NASDAQ

Common Stock [Member]

Document Information [Line Items]

Title of 12(b) Security

Common Stock $2.0833 Par Value

Trading Symbol

WSBC

Security Exchange Name

NASDAQ

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_DocumentInformationLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type: