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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 June 30, 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 July 23, 2026, there were 95,905,889 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 June 30, 2026 (unaudited) and December 31, 2025	2
	Consolidated Statements of Income for the three and six months ended June 30, 2026 and 2025 (unaudited)	3
	Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2026 and 2025 (unaudited)	4
	Consolidated Statements of Changes in Shareholders' Equity for the three and six months ended June 30, 2026 and 2025 (unaudited)	5
	Consolidated Condensed Statements of Cash Flows for the six months ended June 30, 2026 and 2025 (unaudited)	7
	Notes to Consolidated Financial Statements (unaudited)	8

2	Management’s Discussion and Analysis of Financial Condition and Results of Operations	42

3	Quantitative and Qualitative Disclosures About Market Risk	58

4	Controls and Procedures	60

	PART II – OTHER INFORMATION
1	Legal Proceedings	61

2	Unregistered Sales of Equity Securities and Use of Proceeds	61

5	Other Information	61

6	Exhibits	62

	Signatures	63

PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

WESBANCO, INC. CONSOLIDATED BALANCE SHEETS


	June 30,			December 31,
(unaudited, in thousands, except shares)	2026			2025
ASSETS
Cash and due from banks, including interest bearing amounts of $644,813 and $751,249, respectively	$	871,774		$	956,109
Securities:
Equity securities, at fair value		19,060			30,809
Available-for-sale debt securities, at fair value		3,312,972			3,288,332
Held-to-maturity debt securities (fair values of $1,005,725 and $1,035,957, respectively)		1,107,751			1,132,114
Allowance for credit losses, held-to-maturity debt securities		(165	)		(168	)
Net held-to-maturity debt securities		1,107,586			1,131,946
Total securities		4,439,618			4,451,087
Loans held for sale		57,318			87,454
Portfolio loans, net of unearned income		19,478,966			19,226,432
Allowance for credit losses - loans		(217,775	)		(218,749	)
Net portfolio loans		19,261,191			19,007,683
Premises and equipment, net		248,200			263,240
Accrued interest receivable		102,342			106,651
Goodwill and other intangible assets, net		1,709,084			1,723,385
Bank-owned life insurance		562,297			557,512
Other assets		545,093			543,212
Total Assets	$	27,796,917		$	27,696,333
LIABILITIES
Deposits:
Non-interest bearing demand	$	5,287,995		$	5,376,767
Interest bearing demand		5,364,937			5,186,880
Money market		5,012,414			5,072,039
Savings deposits		3,335,823			3,157,782
Certificates of deposit		2,591,047			2,875,372
Total deposits		21,592,216			21,668,840
Federal Home Loan Bank borrowings		1,350,000			1,200,000
Other short-term borrowings		88,419			110,679
Subordinated debt and junior subordinated debt		308,837			308,529
Total borrowings		1,747,256			1,619,208
Accrued interest payable		17,567			19,150
Other liabilities		330,193			357,222
Total Liabilities		23,687,232			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 $230.0 million, issued and outstanding at June 30, 2026 and December 31, 2025, respectively		224,187			224,187
Common stock, $2.0833 par value; 200,000,000 shares authorized; 96,191,910 and 96,067,559 shares issued; 95,869,209 and 96,067,559 shares outstanding at June 30, 2026 and December 31, 2025, respectively		200,396			200,137
Capital surplus		2,498,629			2,490,440
Retained earnings		1,352,870			1,252,765
Treasury stock (322,701 and 0 shares - at cost, respectively)		(10,924	)		—
Accumulated other comprehensive loss		(153,157	)		(133,320	)
Deferred benefits for directors		(2,316	)		(2,296	)
Total Shareholders' Equity		4,109,685			4,031,913
Total Liabilities and Shareholders' Equity	$	27,796,917		$	27,696,333

See Notes to Consolidated Financial Statements.

WESBANCO, INC. CONSOLIDATED STATEMENTS OF INCOME


	For the Three Months Ended June 30,				For the Six Months Ended June 30,
(unaudited, in thousands, except shares and per share amounts)	2026		2025		2026		2025
INTEREST AND DIVIDEND INCOME
Loans, including fees	$	287,916	$	290,104	$	568,904	$	508,512
Interest and dividends on securities:
Taxable		32,083		31,066		63,526		53,314
Tax-exempt		4,833		4,616		9,657		9,145
Total interest and dividends on securities		36,916		35,682		73,183		62,459
Other interest income		8,219		10,596		16,587		18,643
Total interest and dividend income		333,051		336,382		658,674		589,614
INTEREST EXPENSE
Interest bearing demand deposits		30,567		30,405		59,935		59,782
Money market deposits		33,650		36,287		65,804		57,422
Savings deposits		11,029		8,670		21,147		16,029
Certificates of deposit		20,590		21,442		43,181		39,999
Total interest expense on deposits		95,836		96,804		190,067		173,232
Federal Home Loan Bank borrowings		10,390		16,683		21,705		29,718
Other short-term borrowings		565		816		1,163		1,938
Subordinated debt and junior subordinated debt		4,098		5,310		8,177		9,438
Total interest expense		110,889		119,613		221,112		214,326
NET INTEREST INCOME		222,162		216,769		437,562		375,288
Provision for credit losses		9,185		3,218		8,288		72,101
Net interest income after provision for credit losses		212,977		213,551		429,274		303,187
NON-INTEREST INCOME
Trust fees		9,830		9,657		20,272		18,355
Service charges on deposits		11,546		10,484		22,507		19,070
Digital banking income		7,410		7,325		14,008		12,730
Net swap fee and valuation income		3,135		746		4,197		1,706
Net securities brokerage revenue		3,670		3,348		7,142		6,049
Bank-owned life insurance		4,317		3,450		8,127		6,878
Mortgage banking income		1,055		2,364		1,974		3,504
Net securities gains		1,644		1,410		1,631		1,092
Net gains on other real estate owned and other assets		2,036		111		2,583		71
Other income		8,989		5,062		13,021		9,167
Total non-interest income		53,632		43,957		95,462		78,622
NON-INTEREST EXPENSE
Salaries and wages		66,402		60,153		130,366		108,730
Employee benefits		19,148		18,857		36,759		31,827
Net occupancy		7,863		8,119		16,393		15,897
Equipment and software		15,640		17,140		31,317		30,190
Marketing		2,271		1,864		3,798		4,246
FDIC insurance		4,168		5,479		8,951		9,666
Amortization of intangible assets		7,141		9,204		14,301		13,427
Restructuring and merger-related expense		1,003		41,056		4,716		61,066
Other operating expenses		25,450		24,663		49,187		45,451
Total non-interest expense		149,086		186,535		295,788		320,500
Income before provision for income taxes		117,523		70,973		228,948		61,309
Provision for income taxes		24,846		13,558		47,635		12,886
Net income		92,677		57,415		181,313		48,423
Preferred stock dividends		4,240		2,531		8,481		5,063
Net income available to common shareholders	$	88,437	$	54,884	$	172,832	$	43,360
EARNINGS PER COMMON SHARE
Basic	$	0.92	$	0.57	$	1.80	$	0.50
Diluted	$	0.91	$	0.57	$	1.79	$	0.50
AVERAGE COMMON SHARES OUTSTANDING
Basic		96,028,958		95,744,980		96,066,022		86,339,970
Diluted		96,703,880		95,808,310		96,506,410		86,466,701
DIVIDENDS DECLARED PER COMMON SHARE	$	0.38	$	0.37	$	0.76	$	0.74

See Notes to Consolidated Financial Statements.

WESBANCO, INC. CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME


	For the Three Months Ended June 30,						For the Six Months Ended June 30,
(unaudited, in thousands)	2026			2025			2026			2025
Net income	$	92,677		$	57,415		$	181,313		$	48,423
Debt securities available-for-sale:
Net change in unrealized (losses) gains on debt securities available-for-sale		(7,034	)		24,533			(24,420	)		61,558
Related income tax effect		1,624			(7,103	)		5,632			(15,992	)
Net securities gains reclassified into earnings		(101	)		(9	)		(137	)		(50	)
Related income tax effect		23			3			32			14
Amortization of state tax rate adjustment reclassified to earnings		(243	)		(210	)		(486	)		(267	)
Net effect on other comprehensive (loss) income for the period		(5,731	)		17,214			(19,379	)		45,263
Defined benefit plans:
Amortization of net gain and prior service costs		(300	)		(194	)		(594	)		(366	)
Related income tax effect		69			46			136			91
Net effect on other comprehensive (loss) income for the period		(231	)		(148	)		(458	)		(275	)
Total other comprehensive (loss) income		(5,962	)		17,066			(19,837	)		44,988
Comprehensive income	$	86,715		$	74,481		$	161,476		$	93,411

See Notes to Consolidated Financial Statements.

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


	For the Three Months Ended June 30, 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			Income (Loss)			Directors			Total
March 31, 2026	$	224,187		96,134,158		$	200,276	$	2,495,091		$	1,300,628		$	—		$	(147,195	)	$	(2,379	)	$	4,070,608
Net income		—		—			—		—			92,677			—			—			—			92,677
Other comprehensive loss		—		—			—		—			—			—			(5,962	)		—			(5,962	)
Comprehensive income		—		—			—		—			—			—			—			—			86,715
Common dividends declared ($0.38 per share)		—		—			—		—			(36,175	)		—			—			—			(36,175	)
Preferred dividends declared ($18.436 per share)		—		—			—		—			(4,240	)		—			—			—			(4,240	)
Stock issued for dividend reinvestment		—		9,615			20		—			(20	)		—			—			—			—
Treasury shares acquired		—		(369,051	)		—		(101	)		—			(12,462	)		—			—			(12,563	)
Stock options exercised		—		60,650			30		108			—			1,538			—			—			1,676
Restricted stock granted		—		33,837			70		(70	)		—			—			—			—			—
Stock compensation expense		—		—			—		3,716			—			—			—			—			3,716
Deferred benefits for directors - net		—		—			—		(115	)		—			—			—			63			(52	)
June 30, 2026	$	224,187		95,869,209		$	200,396	$	2,498,629		$	1,352,870		$	(10,924	)	$	(153,157	)	$	(2,316	)	$	4,109,685

March 31, 2025	$	144,484		95,672,204		$	199,313	$	2,485,223		$	1,145,396		$	—		$	(190,710	)	$	(2,127	)	$	3,781,579
Net income		—		—			—		—			57,415			—			—			—			57,415
Other comprehensive loss		—		—			—		—			—			—			17,066			—			17,066
Comprehensive loss		—		—			—		—			—			—			—			—			74,481
Common dividends declared ($0.37 per share)		—		—			—		—			(35,221	)		—			—			—			(35,221	)
Preferred dividends declared ($16.875 per share)		—		—			—		—			(2,532	)		—			—			—			(2,532	)
Stock issued for dividend reinvestment		—		—			—		—			—			—			—			—			—
Treasury shares acquired		—		(51,198	)		—		—			—			—			—			—			—
Stock options exercised		—		5,625			6		54			—			—			—			—			60
Restricted stock granted		—		359,392			648		(2,206	)		—			—			—			—			(1,558	)
Stock compensation expense		—		—			—		2,477			—			—			—			—			2,477
Deferred benefits for directors - net		—		—			—		(90	)		—			—			—			24			(66	)
June 30, 2025	$	144,484		95,986,023		$	199,967	$	2,485,458		$	1,165,058		$	—		$	(173,644	)	$	(2,103	)	$	3,819,220


	For the Six Months Ended June 30, 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		—		—			—		—			181,313			—			—			—			181,313
Other comprehensive loss		—		—			—		—			—			—			(19,837	)		—			(19,837	)
Comprehensive income		—		—			—		—			—			—			—			—			161,476
Common dividends declared ($0.76 per share)		—		—			—		—			(72,382	)		—			—			—			(72,382	)
Preferred dividends declared ($18.436 per share)		—		—			—		—			(8,481	)		—			—			—			(8,481	)
Stock issued for dividend reinvestment		—		19,586			20		—			(345	)		325			—			—			—
Treasury shares acquired		—		(382,825	)		—		295			—			(12,909	)		—			—			(12,614	)
Stock options exercised		—		109,700			132		1,386			—			1,538			—			—			3,056
Restricted stock granted		—		55,189			107		(229	)		—			122			—			—			—
Stock compensation expense		—		—			—		6,841			—			—			—			—			6,841
Deferred benefits for directors - net		—		—			—		(104	)		—			—			—			(20	)		(124	)
June 30, 2026	$	224,187		95,869,209		$	200,396	$	2,498,629		$	1,352,870		$	(10,924	)	$	(153,157	)	$	(2,316	)	$	4,109,685

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 income		—		—			—		—			48,423			—			—			—			48,423
Other comprehensive income		—		—			—		—			—			—			44,988			—			44,988
Comprehensive income		—		—			—		—			—			—			—			—			93,411
Common dividends declared ($0.74 per share)		—		—			—		—			(70,393	)		—			—			—			(70,393	)
Preferred dividends declared ($16.875 per share)		—		—			—		—			(5,063	)		—			—			—			(5,063	)
Stock issued for Premier Financial Corp. ("PFC") acquisition		—		28,738,104			42,326		673,826			—			291,693			—			—			1,007,845
Treasury shares acquired		—		(63,410	)		—		325			—			(2,063	)		—			—			(1,738	)
Stock options exercised		—		32,132			9		(272	)		—			1,055			—			—			792
Restricted stock granted		—

WESBANCO INC 10-Q