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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 10-Q

(Mark One)


☒	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026


☐	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission File Number 001-39442

WESBANCO, INC.

(Exact name of Registrant as specified in its charter)


West Virginia		55-0571723
(State of incorporation)		(IRS Employer Identification No.)

1 Bank Plaza, Wheeling, WV		26003
(Address of principal executive offices)		(Zip Code)

Registrant's telephone number, including area code: 304-234-9000

NOT APPLICABLE

(Former name, former address and former fiscal year, if changed since last report)

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


Title of each class	Trading Symbol	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 (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.


Large accelerated filer	☑	Accelerated filer	☐
Non-accelerated filer	☐	Smaller reporting company	☐
		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. ☐

Indicate by check mark whether the registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act). Yes ☐ No ☑

As of April 23, 2026, there were 96,180,560 shares of Wesbanco, Inc. common stock, $2.0833 par value, outstanding.

WESBANCO, INC.

TABLE OF CONTENTS


Item No.	ITEM	Page No.

	PART I - FINANCIAL INFORMATION
1	Financial Statements	2
	Consolidated Balance Sheets at March 31, 2026 (unaudited) and December 31, 2025	2
	Consolidated Statements of Income for the three months ended March 31, 2026 and 2025 (unaudited)	3
	Consolidated Statements of Comprehensive Income for the three months ended March 31, 2026 and 2025 (unaudited)	4
	Consolidated Statements of Changes in Shareholders' Equity for the three months ended March 31, 2026 and 2025 (unaudited)	5
	Consolidated Condensed Statements of Cash Flows for the three months ended March 31, 2026 and 2025 (unaudited)	6
	Notes to Consolidated Financial Statements (unaudited)	7

2	Management’s Discussion and Analysis of Financial Condition and Results of Operations	37

3	Quantitative and Qualitative Disclosures About Market Risk	53

4	Controls and Procedures	55

	PART II – OTHER INFORMATION
1	Legal Proceedings	56

2	Unregistered Sales of Equity Securities and Use of Proceeds	56

5	Other Information	56

6	Exhibits	57

	Signatures	58

PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

WESBANCO, INC. CONSOLIDATED BALANCE SHEETS


	March 31,			December 31,
(unaudited, in thousands, except shares)	2026			2025
ASSETS
Cash and due from banks, including interest bearing amounts of $745,957 and $751,249, respectively	$	960,410		$	956,109
Securities:
Equity securities, at fair value		30,256			30,809
Available-for-sale debt securities, at fair value		3,298,237			3,288,332
Held-to-maturity debt securities (fair values of $1,011,303 and $1,035,957, respectively)		1,120,597			1,132,114
Allowance for credit losses, held-to-maturity debt securities		(151	)		(168	)
Net held-to-maturity debt securities		1,120,446			1,131,946
Total securities		4,448,939			4,451,087
Loans held for sale		59,281			87,454
Portfolio loans, net of unearned income		19,082,681			19,226,432
Allowance for credit losses - loans		(210,023	)		(218,749	)
Net portfolio loans		18,872,658			19,007,683
Premises and equipment, net		251,325			263,240
Accrued interest receivable		105,288			106,651
Goodwill and other intangible assets, net		1,716,225			1,723,385
Bank-owned life insurance		560,773			557,512
Other assets		507,556			543,212
Total Assets	$	27,482,455		$	27,696,333
LIABILITIES
Deposits:
Non-interest bearing demand	$	5,223,034		$	5,376,767
Interest bearing demand		5,505,382			5,186,880
Money market		4,904,510			5,072,039
Savings deposits		3,306,044			3,157,782
Certificates of deposit		2,729,304			2,875,372
Total deposits		21,668,274			21,668,840
Federal Home Loan Bank borrowings		975,000			1,200,000
Other short-term borrowings		114,068			110,679
Subordinated debt and junior subordinated debt		308,683			308,529
Total borrowings		1,397,751			1,619,208
Accrued interest payable		19,917			19,150
Other liabilities		325,905			357,222
Total Liabilities		23,411,847			23,664,420
SHAREHOLDERS' EQUITY
Preferred stock, no par value, 1,000,000 shares authorized; 230,000 shares 7.375% non-cumulative perpetual preferred stock, Series B, liquidation preference $230,000,000, issued and outstanding at March 31, 2026 and December 31, 2025, respectively		224,187			224,187
Common stock, $2.0833 par value; 200,000,000 shares authorized; 96,134,158 and 96,067,559 shares issued; 96,134,158 and 96,067,559 shares outstanding at March 31, 2026 and December 31, 2025, respectively		200,276			200,137
Capital surplus		2,495,091			2,490,440
Retained earnings		1,300,628			1,252,765
Accumulated other comprehensive loss		(147,195	)		(133,320	)
Deferred benefits for directors		(2,379	)		(2,296	)
Total Shareholders' Equity		4,070,608			4,031,913
Total Liabilities and Shareholders' Equity	$	27,482,455		$	27,696,333

See Notes to Consolidated Financial Statements.

WESBANCO, INC. CONSOLIDATED STATEMENTS OF INCOME


	For the Three Months Ended March 31,
(unaudited, in thousands, except shares and per share amounts)	2026			2025
INTEREST AND DIVIDEND INCOME
Loans, including fees	$	280,989		$	218,409
Interest and dividends on securities:
Taxable		31,443			22,247
Tax-exempt		4,824			4,529
Total interest and dividends on securities		36,267			26,776
Other interest income		8,368			8,047
Total interest and dividend income		325,624			253,232
INTEREST EXPENSE
Interest bearing demand deposits		29,368			29,377
Money market deposits		32,151			21,134
Savings deposits		10,119			7,359
Certificates of deposit		22,591			18,558
Total interest expense on deposits		94,229			76,428
Federal Home Loan Bank borrowings		11,316			13,034
Other short-term borrowings		598			1,122
Subordinated debt and junior subordinated debt		4,080			4,129
Total interest expense		110,223			94,713
NET INTEREST INCOME		215,401			158,519
Provision for credit losses		(897	)		68,883
Net interest income after provision for credit losses		216,298			89,636
NON-INTEREST INCOME
Trust fees		10,442			8,697
Service charges on deposits		10,961			8,587
Digital banking income		6,599			5,404
Net swap fee and valuation income		1,062			961
Net securities brokerage revenue		3,472			2,701
Bank-owned life insurance		3,811			3,428
Mortgage banking income		919			1,140
Net securities losses		(13	)		(318	)
Net gain/(loss) on other real estate owned and other assets		546			(40	)
Other income		4,032			4,105
Total non-interest income		41,831			34,665
NON-INTEREST EXPENSE
Salaries and wages		63,964			48,577
Employee benefits		17,611			12,970
Net occupancy		8,529			7,778
Equipment and software		15,678			13,050
Marketing		1,526			2,382
FDIC insurance		4,784			4,187
Amortization of intangible assets		7,160			4,223
Restructuring and merger-related expense		3,713			20,010
Other operating expenses		23,740			20,789
Total non-interest expense		146,705			133,966
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
Net income (loss) available to common shareholders	$	84,395		$	(11,523	)
EARNINGS (LOSS) PER COMMON SHARE
Basic	$	0.88		$	(0.15	)
Diluted	$	0.88		$	(0.15	)
AVERAGE COMMON SHARES OUTSTANDING
Basic		96,103,497			76,830,460
Diluted		96,309,352			77,020,592
DIVIDENDS DECLARED PER COMMON SHARE	$	0.38		$	0.37

See Notes to Consolidated Financial Statements.

WESBANCO, INC. CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME


	For the Three Months Ended March 31,
(unaudited, in thousands)	2026			2025
Net income (loss)	$	88,635		$	(8,992	)
Debt securities available-for-sale:
Net change in unrealized (losses) gains on debt securities available-for-sale		(17,385	)		37,025
Related income tax effect		4,006			(8,889	)
Net securities gains reclassified into earnings		(37	)		(40	)
Related income tax effect		11			12
Amortization of state tax rate adjustment reclassified to earnings		(243	)		(58	)
Net effect on other comprehensive (loss) income for the period		(13,648	)		28,050
Defined benefit plans:
Amortization of net gain and prior service costs		(295	)		(172	)
Related income tax effect		68			44
Net effect on other comprehensive loss for the period		(227	)		(128	)
Total other comprehensive (loss) income		(13,875	)		27,922
Comprehensive income	$	74,760		$	18,930

See Notes to Consolidated Financial Statements.

WESBANCO, INC. CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY


	For the Three Months Ended March 31, 2026 and 2025
																	Accumulated
	Preferred		Common Stock														Other			Deferred
(unaudited, in thousands, except	Stock		Shares					Capital			Retained			Treasury			Comprehensive			Benefits for
shares and per share amounts)	Amount		Outstanding			Amount		Surplus			Earnings			Stock			Loss			Directors			Total
December 31, 2025	$	224,187		96,067,559		$	200,137	$	2,490,440		$	1,252,765		$	—		$	(133,320	)	$	(2,296	)	$	4,031,913
Net income		—		—			—		—			88,635			—			—			—			88,635
Other comprehensive loss		—		—			—		—			—			—			(13,875	)		—			(13,875	)
Comprehensive income		—		—			—		—			—			—			—			—			74,760
Common dividends declared ($0.38 per share)		—		—			—		—			(36,207	)		—			—			—			(36,207	)
Preferred dividends declared ($18.436 per share)		—		—			—		—			(4,240	)		—			—			—			(4,240	)
Stock issued for dividend reinvestment		—		9,971			—		—			(325	)		325			—			—			—
Treasury shares acquired		—		(13,774	)		—		395			—			(447	)		—			—			(52	)
Stock options exercised		—		49,150			103		1,278			—			—			—			—			1,381
Restricted stock granted		—		21,252			36		(158	)		—			122			—			—			—
Stock compensation expense		—		—			—		3,124			—			—			—			—			3,124
Deferred benefits for directors - net		—		—			—		12			—			—			—			(83	)		(71	)
March 31, 2026	$	224,187		96,134,158		$	200,276	$	2,495,091		$	1,300,628		$	—		$	(147,195	)	$	(2,379	)	$	4,070,608

December 31, 2024	$	144,484		66,919,805		$	156,985	$	1,809,679		$	1,192,091		$	(292,244	)	$	(218,632	)	$	(2,082	)	$	2,790,281
Net loss		—		—			—		—			(8,992	)		—			—			—			(8,992	)
Other comprehensive income		—		—			—		—			—			—			27,922			—			27,922
Comprehensive income		—		—			—		—			—			—			—			—			18,930
Common dividends declared ($0.37 per share)		—		—			—		—			(35,172	)		—			—			—			(35,172	)
Preferred dividends declared ($16.875 per share)		—		—			—		—			(2,531	)		—			—			—			(2,531	)
Stock issued for Premier Financial Corp. ("PFC") acquisition		—		28,738,104			42,326		673,826			—			291,693			—			—			1,007,845
Treasury shares acquired		—		(11,962	)		—		325			—			(421	)		—			—			(96	)
Stock options exercised		—		26,257			2		(326	)		—			972			—			—			648
Restricted stock granted		—		—			—		—			—			—			—			—			—
Stock compensation expense		—		—			—		1,707			—			—			—			—			1,707
Deferred benefits for directors - net		—		—			—		12			—			—			—			(45	)		(33	)
March 31, 2025	$	144,484		95,672,204		$	199,313	$	2,485,223		$	1,145,396		$	—		$	(190,710	)	$	(2,127	)	$	3,781,579

See Notes to Consolidated Financial Statements.

WESBANCO, INC. CONSOLIDATED CONDENSED STATEMENTS OF CASH FLOWS


	For the Three Months Ended March 31,
(unaudited, in thousands)	2026			2025
NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES	$	106,579		$	(26,423	)
INVESTING ACTIVITIES
Net decrease (increase) in loans held for investment		170,837			(133,013	)
Available-for-sale debt securities:
Proceeds from sales		—			873,835
Proceeds from maturities, prepayments and calls		200,225			97,054
Purchases of securities		(224,196	)		(685,753	)
Held-to-maturity debt securities:
Proceeds from maturities, prepayments and calls		11,229			11,051
Purchases of securities		—			(1,966	)
Sales (purchases) of premises and equipment – net		1,828			(4,326	)
Net cash received from PFC acquisition		—			200,357
Proceeds from bank owned life insurance		550			2,301
Net cash provided by investing activities		160,473			359,540
FINANCING ACTIVITIES
(Decrease) increase in deposits		(220	)		287,157
Proceeds from Federal Home Loan Bank borrowings		875,000			900,000
Repayment of Federal Home Loan Bank borrowings		(1,100,000	)		(925,000	)
Increase (Decrease) in other short-term borrowings		3,389			(44,269	)
Principal repayments of finance lease obligations		(1,145	)		(921	)
Dividends paid to common shareholders		(36,864	)		(24,526	)
Dividends paid to preferred shareholders		(4,240	)		(2,532	)
Issuance of common stock		1,381			25
Treasury shares purchased - net		(52	)		527
Net cash (used in) provided by financing activities		(262,751	)		190,461
Net increase in cash, cash equivalents and restricted cash		4,301			523,578
Cash, cash equivalents and restricted cash at beginning of the period		956,109			568,137
Cash, cash equivalents and restricted cash at end of the period	$	960,410		$	1,091,715
SUPPLEMENTAL DISCLOSURES
Interest paid on deposits and other borrowings	$	109,648		$	84,573
Transfers of loans to other real estate owned		388			—
Transfer of loans held for sale to loans held for investment		26,799			—
Non-cash transactions related to the PFC acquisition		—			1,007,845

See Notes to Consolidated Financial Statements.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of presentation — The accompanying unaudited interim financial statements of Wesbanco, Inc. and its consolidated subsidiaries (“Wesbanco” or the "Company") have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2025.

Wesbanco’s interim financial statements have been prepared following the significant accounting policies disclosed in Note 1 of the Notes to the Consolidated Financial Statements of its 2025 Annual Report on Form 10-K filed with the Securities and Exchange Commission ("SEC"), as well as with the policy changes indicated below. In the opinion of management, the accompanying interim financial information reflects all adjustments, including normal recurring adjustments, necessary to present fairly Wesbanco’s financial position and results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year.

Recent accounting pronouncements—The Financial Accounting Standards Board (“FASB”) issued Accounting Standards Updates (“ASU”) as noted below.

ASU 2025‑12 — Codification Improvements

In December 2025, the FASB issued ASU 2025‑12, “Codification Improvements.” This Update is part of the Board’s ongoing effort to address technical corrections, clarifications, and minor improvements across the FASB Accounting Standards Codification. These improvements refine the application of existing guidance, resolve inconsistencies, and improve the usability of the Codification without introducing significant changes to accounting practice or requiring substantial implementation effort. The amendments are not expected to significantly affect current practice. However, updates will be reviewed for any potential effects on accounting policies or disclosure processes.

The amendments in this Update are effective for all entities for annual periods beginning after December 15, 2026, including interim periods within those annual periods. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements.

ASU 2025‑11 — Interim Reporting (Topic 270): Narrow‑Scope Improvements

In December 2025, the FASB issued ASU 2025‑11, “Interim Reporting (Topic 270): Narrow‑Scope Improvements.” The amendments are intended to improve the navigability and clarity of interim reporting requirements under Topic 270. The Update clarifies when Topic 270 applies, adds a comprehensive list of required interim disclosures, and introduces a disclosure principle requiring entities to disclose events occurring after the most recent annual period that have a material impact on the entity.

The Update does not expand or reduce overall interim disclosure requirements but instead compiles and organizes them to improve consistency and comparability. The guidance also clarifies form‑and‑content expectations for interim financial statements, including the use of condensed statements, and aligns GAAP with prior SEC requirements regarding material events.

The amendments are effective for interim reporting periods beginning after December 15, 2027, for public business entities and one year later for all other entities. Early adoption is permitted, with prospective or retrospective application available. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements.

ASU 2025‑10 — Government Grants (Topic 832): Accounting for Government Grants Received by Business Entities

In December 2025, the FASB issued ASU 2025‑10, “Government Grants (Topic 832): Accounting for Government Grants Received by Business Entities.” The amendments establish authoritative U.S. GAAP for the recognition, measurement, and presentation of government grants received by business entities. Historically, in the absence of explicit guidance, entities analogized to IAS 20 or ASC 958‑605, resulting in diversity in practice. ASU 2025‑10 adopts a model largely based on IAS 20, with revisions for U.S. GAAP.

Under this Update, a government grant is defined as a transfer of a monetary or tangible nonmonetary asset from a governmental body in a non‑exchange transaction. The guidance excludes transactions such as income‑tax credits under Topic 740, below‑market interest rate loans, government guarantees, contributions from nongovernmental sources, and transfers of intangible assets or services. Recognition is required when it is probable that the entity will comply with grant conditions and the grant will be received. Grants related to assets are recognized as the related costs are incurred; grants related to income are recognized as the related expenses are incurred.

The amendments are effective for public business entities for annual periods beginning after December 15, 2028, and one year later for all other entities. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements.

ASU 2025-09 — Derivatives and Hedging (Topic 815): Hedging Accounting Improvements

In November 2025, the FASB issued ASU 2025‑09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements.” The amendments in this Update enhance and clarify several aspects of hedge accounting to better align financial reporting with the economics of an entity’s

risk‑management activities. The guidance addresses key areas including similar risk assessments for groups of forecasted transactions, hedging of forecasted interest payments on “choose‑your‑rate” debt instruments, hedging of nonfinancial forecasted transactions, use of net written options as hedging instruments, and the treatment of foreign currency‑denominated debt in certain dual hedging strategies. The amendments allow a broader set of forecasted transactions to qualify for hedge accounting by focusing on “similar risk exposure” rather than requiring identical risk characteristics. Entities must evaluate this criterion at hedge inception and on an ongoing basis, using qualitative assessments where appropriate.

The amendments in this Update are effective for public business entities for annual periods beginning after December 15, 2026, and one year later for all other entities. Early adoption is permitted. Adoption is prospective, with transition provisions available to facilitate migration of existing hedging relationships. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements.

ASU 2025-08 — Financial Instruments—Credit Losses (Topic 326): Purchased Loans

In November 2025, the FASB issued ASU 2025‑08, “Financial Instruments—Credit Losses (Topic 326): Purchased Loans.” The amendments in this update make significant changes to the accounting for certain acquired seasoned loans subject to CECL. The Board decided not to change the existing models for originated assets, purchased credit deteriorated ("PCD") assets or other acquired assets.

Under the ASU, the initial allowance for credit losses recorded upon the acquisition of loans in scope is recognized as an adjustment to the amortized cost basis of the loan–similar to the PCD model. For these loans, the “day-one” credit loss estimate does not impact earnings immediately but rather is amortized over time as an adjustment to interest income. Subsequent changes in the allowance for credit losses are reported in earnings within credit loss expense.

The amendments in this Update are effective for all entities for fiscal years beginning after December 15, 2026, including interim periods within those fiscal years, and are to be applied prospectively to loans acquired on or after the date of adoption. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements.

ASU 2025-07 — Derivatives and Hedging (Topic 815) and Revenue from Contracts with Customers (Topic 606)

In September 2025, the FASB issued ASU 2025-07, “Derivatives and Hedging (Topic 815) and Revenue from Contracts with Customers (Topic 606).” The amendments in this Update apply to all entities that enter into non exchange-traded contracts with underlyings based on operations or activities specific to one of the parties to the contract. The amendments in this Update exclude from derivative accounting non exchange-traded contracts with underlyings that are based on operations or activities specific to one of the parties to the contract. However, this scope exception does not apply to (1) variables based on a market rate, market price, or market index, (2) variables based on the price or performance of a financial asset or financial liability of one of the parties to the contract, (3) contracts (or features) involving the issuer’s own equity that are evaluated under the guidance in Subtopic 815-40, Derivatives and Hedging—Contracts in Entity’s Own Equity, and (4) call options and put options on debt instruments. The amendments in this Update are effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements.

ASU 2025-05 — Financial Instruments—Credit Losses (Topic 326)

In July 2025, the FASB issued ASU 2025-05, “Financial Instruments – Credit Losses (Topic 326).” The amendments provide (1) all entities with a practical expedient when estimating expected credit losses for current accounts receivable and current contract assets arising from transactions accounted for under Topic 606 and (2) entities other than public business entities with an accounting policy election for those same asset classes. The amendments will be effective for annual reporting periods beginning after December 15, 2025, and interim reporting periods within those annual reporting periods. The Company adopted ASU 2025‑05 effective January 1, 2026 and elected the practical expedient for in-scope current accounts receivable and contract assets. Loans and other financial assets measured at amortized cost are not within the scope of this guidance. Therefore, the adoption of this pronouncement does not have a material impact on the Consolidated Financial Statements, including the allowance for credit losses.

ASU 2025-01 & 2024-03 — Income Statement — Reporting Comprehensive Income –Expense Disaggregation Disclosures (Subtopic 220-40)

In November 2024, the FASB issued ASU 2024-03, “Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures.” The amendments in this Update improve financial reporting by requiring that public business entities disclose additional information about specific expense categories in the notes to financial statements at interim and annual reporting periods. This information is generally not presented in the financial statements today. For Wesbanco, the amendments in this Update are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted.

In January 2025, the FASB issued ASU 2025-01, “Income Statement — Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40).” The amendment in this Update amends the effective date of ASU 2024-03 to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The adoption of these pronouncements is not expected to have a material impact on the Consolidated Financial Statements, but is expected to result in additional disclosures and potential changes to the line items on the Consolidated Statement of Income.

NOTE 2. EARNINGS PER COMMON SHARE

Earnings per common share are calculated as follows:


	For the Three Months Ended March 31,
(unaudited, in thousands, except shares and per share amounts)	2026		2025
Numerator for both basic and diluted earnings per common share:
Net income (loss) available to common shareholders	$	84,395	$	(11,523	)
Denominator:
Total average basic common shares outstanding		96,103,497		76,830,460
Effect of dilutive stock options and other stock compensation		205,855		190,132
Total diluted average common shares outstanding		96,309,352		77,020,592
Earnings (loss) per common share - basic	$	0.88	$	(0.15	)
Earnings (loss) per common share - diluted	$	0.88	$	(0.15	)

As of March 31, 2026 and 2025, 237,001 and 325,701 options to purchase shares were not included in the diluted share computation for the three months ended March 31, 2026 and 2025, respectively, because the exercise price was greater than the average market price of a common share, and, therefore, the effect would be antidilutive.

As of March 31, 2026 and 2025, 24,000 shares were estimated to be awarded under the 2025 and 2024 total shareholder return ("TSR") plans and were included in the diluted calculation as stock performance targets had been met.

In addition, 106,119 shares of performance-based restricted stock were included in the diluted calculation as of March 31, 2026 because the performance criteria was met. Similarly, at March 31, 2025, 92,813 shares were estimated to be awarded and were included in the diluted calculation.

As previously disclosed, 28,738,104 shares were issued as merger consideration to complete the PFC acquisition on February 28, 2025. To accomplish this, Wesbanco used 8,421,434 shares of Treasury stock and 20,316,670 newly-issued common shares. These shares are included in the average shares outstanding beginning on those dates mentioned.

NOTE 3. SECURITIES

The following table presents the fair value and amortized cost of available-for-sale and held-to-maturity debt securities:


	March 31, 2026									December 31, 2025
(unaudited, in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value		Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
Available-for-sale debt securities
U.S. Treasury	$	196,411	$	77	$	(73	)	$	196,415	$	196,586	$	271	$	—		$	196,857
U.S. Government sponsored entities and agencies		237,706		326		(20,637	)		217,395		243,408		212		(20,623	)		222,997
Residential mortgage-backed securities and collateralized mortgage obligations of government sponsored entities and agencies		2,811,933		8,535		(186,006	)		2,634,462		2,771,608		15,149		(176,309	)		2,610,448
Commercial mortgage-backed securities and collateralized mortgage obligations of government sponsored entities and agencies		60,485		89		(2,603	)		57,971		66,043		233		(2,661	)		63,615
Asset backed securities		67,115		67		(274	)		66,908		69,095		45		(205	)		68,935
Obligations of states and political subdivisions		78,559		157		(2,396	)		76,320		74,738		412		(1,962	)		73,188
Corporate debt securities		47,933		864		(31	)		48,766		51,334		1,015		(57	)		52,292
Total available-for-sale debt securities	$	3,500,142	$	10,115	$	(212,020	)	$	3,298,237	$	3,472,812	$	17,337	$	(201,817	)	$	3,288,332
Held-to-maturity debt securities
U.S. Government sponsored entities and agencies	$	2,258	$	—	$	(134	)	$	2,124	$	2,341	$	—	$	(134	)	$	2,207
Residential mortgage-backed securities and collateralized mortgage obligations of government sponsored entities and agencies		25,733		1		(1,642	)		24,092		27,014		2		(1,547	)		25,469
Obligations of states and political subdivisions		1,090,634		1,266		(108,821	)		983,079		1,100,788		2,137		(96,687	)		1,006,238
Corporate debt securities		1,972		36		—			2,008		1,971		72		—			2,043
Total held-to-maturity debt securities (1)	$	1,120,597	$	1,303	$	(110,597	)	$	1,011,303	$	1,132,114	$	2,211	$	(98,368	)	$	1,035,957
Total debt securities	$	4,620,739	$	11,418	$	(322,617	)	$	4,309,540	$	4,604,926	$	19,548	$	(300,185	)	$	4,324,289

(1)

Total held-to-maturity debt securities are presented on the balance sheet net of their allowance for credit losses totaling $0.2 million at March 31, 2026 and December 31, 2025.

At March 31, 2026 and December 31, 2025, there were no holdings of any one issuer, other than U.S. government sponsored entities and its agencies, in an amount greater than 10% of Wesbanco’s shareholders’ equity. Equity securities, of which $27.6 million and $28.2 million at March 31, 2026 and December 31, 2025, respectively, consist of investments in various mutual funds held in grantor trusts formed in connection with the Company’s deferred compensation plan, are recorded at fair value, and totaled $30.3 million and $30.8 million at March 31, 2026 and December 31, 2025, respectively.

The following table presents the amortized cost and fair value of available-for-sale and held-to-maturity debt securities by contractual maturity date at March 31, 2026. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay debt obligations with or without prepayment penalties. Mortgage-backed securities and collateralized mortgage obligations are classified in the table below based on their contractual maturity date; however, regular principal payments and prepayments of principal are received on a monthly basis.


(unaudited, in thousands)	Amortized Cost		Fair Value
Available-for-sale debt securities
Within one year	$	212,313	$	212,235
After 1 year through 5 years		217,720		210,424
After 5 years through 10 years		349,973		325,656
After 10 years		2,720,136		2,549,922
Total available-for-sale debt securities	$	3,500,142	$	3,298,237
Held-to-maturity debt securities
Within one year	$	17,753	$	17,746
After 1 year through 5 years		248,330		242,758
After 5 years through 10 years		569,128		508,967
After 10 years		285,386		241,832
Total held-to-maturity debt securities	$	1,120,597	$	1,011,303
Total debt securities	$	4,620,739	$	4,309,540

Securities with an aggregate carrying value of $2.8 billion at March 31, 2026 and December 31, 2025, respectively, were pledged as security for public and trust funds, and securities sold under agreements to repurchase. There were no security sales that occurred in the three months ended March 31, 2026. Proceeds from the sale of available-for-sale securities for the three months ended March 31, 2025 totaled $873.8 million. Net unrealized losses on available-for-sale securities included in accumulated other comprehensive income, net of tax, as of March 31, 2026 and December 31, 2025 were $153.5 million and $139.5 million, respectively.

The following table presents the gross realized gains and losses on sales and calls of available-for-sale and held-to-maturity debt securities, as well as gains and losses on equity securities from both sales and market adjustments, for the three months ended March 31, 2026 and 2025, respectively. All gains and losses presented in the table below are included in the net securities gains (losses) line item of the consolidated income statement. For those equity securities relating to the key officer and director deferred compensation plan, the corresponding change in the obligation to the participant is recognized in employee benefits expense.


	For the Three Months Ended March 31,
(unaudited, in thousands)	2026			2025
Debt securities:
Gross realized gains	$	36		$	201
Gross realized losses		—			(161	)
Net gains on debt securities		36			40
Equity securities:
Net unrealized losses recognized on securities still held		(49	)		(358	)
Net securities losses	$	(13	)	$	(318	)

The corporate and municipal bonds in Wesbanco’s held-to-maturity debt portfolio are analyzed quarterly to determine if an allowance for current expected credit losses is warranted. Wesbanco uses a database of historical financials of all corporate and municipal issuers and actual historic default and recovery rates on rated and non-rated transactions to estimate expected credit losses on an individual security basis. The expected credit losses are adjusted quarterly and are recorded in an allowance for expected credit losses on the balance sheet, which is deducted from the amortized cost basis of the held-to-maturity portfolio as a contra asset. The losses are recorded on the consolidated income statement in the provision for credit losses. Accrued interest receivable on held-to-maturity securities, which was $8.0 million and $8.2 million as of March 31, 2026 and December 31, 2025, respectively, is excluded from the estimate of credit losses. Held-to-maturity investments in U.S. Government sponsored entities and agencies as well as mortgage-backed securities and collateralized mortgage obligations, which are all either issued by a direct governmental entity or a government-sponsored entity, have no historical evidence supporting expected credit losses; therefore, Wesbanco has estimated these losses at zero, and will monitor this assumption in the future for any economic or governmental policies that could affect this assumption.

The following table provides a roll-forward of the allowance for credit losses on held-to-maturity securities for the three months ended March 31, 2026 and 2025:


	Allowance for Credit Losses By Category
	For the Three Months Ended March 31, 2026 and 2025

	Obligations of
	states and			Corporate
	political			debt
(unaudited, in thousands)	subdivisions			Securities			Total
Balance at December 31, 2025	$	155		$	13		$	168
Current period provision (1)		(21	)		4			(17	)
Write-offs		—			—			—
Recoveries		—			—			—
Balance at March 31, 2026	$	134		$	17		$	151
.
Balance at December 31, 2024	$	124		$	22		$	146
Current period provision (1)		(8	)		(1	)		(9	)
Write-offs		—			—			—
Recoveries		—			—			—
Balance at March 31, 2025	$	116		$	21		$	137

(1) The total provision for credit losses on held-to-maturity securities is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses - loans and loan commitments. For more information on the provision relating to loans and loan commitments, please see Note 4, "Loans and the Allowance for Credit Losses."

The following tables provide information on unrealized losses on available-for-sale debt securities that have been in an unrealized loss position for less than twelve months and twelve months or more, for which an allowance for credit losses has not been recorded, as of March 31, 2026 and December 31, 2025, respectively:


	March 31, 2026
	Less than 12 months							12 months or more						Total
(unaudited, dollars in thousands)	Fair Value		Unrealized Losses			# of Securities		Fair Value		Unrealized Losses		# of Securities		Fair Value		Unrealized Losses			# of Securities
U.S. Treasury	$	98,488	$	(73	)		2	$	—	$	—		—	$	98,488	$	(73	)		2
U.S. Government sponsored entities and agencies

WESBANCO INC 10-Q