Wheeling, WV · Cert 803 · Wesbanco Inc.
State charter, non-member · FDIC · 217 branches
Q2 2026
Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 36.4% share · #1 of 13 inst. · $2.0B of $5.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.95% | 0.03% | 0.52% | 0.81% | 0.97% | 1.37% | 1.39% | +87 bps | |
| Return on Equity | 6.00% | 6.55% | 0.18% | 3.55% | 5.50% | 6.58% | 9.01% | 9.16% | +562 bps | |
| Net Interest Margin | 2.79% | 2.79% | 3.25% | 2.99% | 3.13% | 3.22% | 3.39% | 3.44% | +45 bps | |
| Efficiency Ratio | 62.57% | 61.14% | 61.26% | 63.75% | 60.20% | 57.60% | 51.60% | 50.18% | -1,356 bps | |
| Non-Interest Burden | 1.46% | 1.41% | 1.68% | 1.69% | 1.65% | 1.61% | 1.48% | 1.41% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.78% | 5.44% | 53.99% | 51.77% | 48.65% | 48.10% | 0.36% | 1.03% | -5,074 bps | |
| Loan Growth (YoY) | 10.05% | 8.75% | 59.14% | 54.27% | 52.77% | 52.36% | 1.18% | 3.08% | -5,119 bps | |
| Deposit Growth (YoY) | 6.59% | 7.72% | 56.11% | 55.96% | 51.90% | 51.01% | 1.88% | 2.27% | -5,369 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.42% | 0.49% | 0.56% | 0.60% | 0.67% | 0.84% | 0.86% | +30 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | 0.06% | 0.07% | 0.11% | 0.10% | 0.16% | 0.09% | +1 bps | |
| Allowance / Loans | 1.13% | 1.09% | 1.23% | 1.18% | 1.14% | 1.13% | 1.10% | 1.11% | -7 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.6x | 2.5x | 2.1x | 1.9x | 1.7x | 1.3x | 1.3x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.35% | 12.00% | 9.41% | 9.69% | 9.92% | 10.10% | 10.25% | +84 bps | |
| Total Risk-Based Capital | 12.89% | 13.58% | 12.79% | 12.65% | 12.87% | 13.12% | 13.34% | 13.28% | +63 bps | |
| Equity / Assets | 14.40% | 14.63% | 14.52% | 14.60% | 14.95% | 15.06% | 15.28% | 15.20% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.62% | 87.70% | 88.26% | 89.03% | 88.12% | 88.48% | 87.66% | 89.73% | +70 bps | |
| Liquid Assets / Assets | 8.70% | 8.45% | 7.26% | 6.87% | 6.99% | 6.80% | 6.79% | 6.30% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 420% | 414% | 405% | n/a | n/a | |