← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · West Virginia, the state note

Wesbanco Bank Inc

Wheeling, West Virginia · $27.75B in assets · beside the 11 other the Southeast banks over $10B (the state alone holds too few in the band to rank)

The filing

+3.1%
Loans, year over year
11th of 12, largest first
15.2%
Equity / assets
3rd of 12
0.86%
NPA / loans
9th of 12

Wesbanco Bank Inc is the seventh largest of the 12 the Southeast banks nearest its size over $10B, with $27.75B in assets at 30 June 2026. Loans are 89.7% of deposits, 8th of 12 against a median of 89.2%, and equity is 15.2% of assets, 3rd of 12. Loans grew +3.1% in the year, 11th of 12, and deposits grew 2.3%; the cohort's median loan growth is +6.5%.

Noncurrent loans are 0.86% of the book, 9th of 12 against a median of 0.61%; 0.34% is 30 to 89 days past due, and the allowance covers them 1.3 times. Commercial real estate is 39.6% of loans, 6th of 12 against a median of 40.0%, and 268% of capital, below the 300% screen, with construction at 59% against the 100% screen. CRE has grown +56.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.39%, 6th of 12 against a median of 1.30%, on an efficiency ratio of 52.9%, 5th of 12. Five years ago it was 1.73%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsSoutheast banks over $10B · 30 June 2026 · higher is stronger, listed first
median 13.4% UB United Bank 16.7% AU Atlantic Union Bank 15.2% WB Wesbanco Bank Inc 15.2% AB Ameris Bank 14.3% SN Seacoast National Bank 14.2% FB First Bank 13.6% T Townebank 13.2% BH Burke & Herbert Bank & Trust Co. 12.1% UC United Community Bank 11.8% CN City National Bank of Florida 10.6% BN Bankunited National Association 9.1% LO Live Oak Banking Co. 7.6%
Loans, year over yearSoutheast banks over $10B · 30 June 2026 · no better direction, largest first
median +6.5% BH Burke & Herbert Bank & Trust Co. +43.1% SN Seacoast National Bank +24.0% T Townebank +22.9% LO Live Oak Banking Co. +15.6% FB First Bank +9.3% CN City National Bank of Florida +7.7% UC United Community Bank +5.4% AB Ameris Bank +5.0% AU Atlantic Union Bank +4.9% UB United Bank +3.9% WB Wesbanco Bank Inc +3.1% BN Bankunited National Association -0.1%

SBA 7(a), FY2008 to FY2026

Wesbanco Bank Inc is the 12th largest 7(a) lender into Ohio of 361, with $221M across 376 loans, 1.5% of everything approved in the state (The Huntington National Bank leads with $5.20B). 68 of its 124 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cuyahoga, OH$59M5th of 1453.0%-0.1 pts
Mahoning, OH$23M2nd of 558.1%+7.6 pts
Summit, OH$14M13th of 1061.6%-4.6 pts
Hancock, OH$14M2nd of 3112.2%-28.1 pts
Allen, IN$14M9th of 1012.8%-2.9 pts
Columbiana, OH$10M2nd of 379.3%-5.9 pts
Baltimore, MD$9M19th of 1301.2%thin
Allen, OH$8M2nd of 339.1%quiet FY2022
Lucas, OH$8M14th of 901.5%-0.9 pts
Hamilton, OH$7M26th of 1220.5%+1.6 pts
Franklin, OH$7M42nd of 1660.3%-0.7 pts
Defiance, OH$7M4th of 2011.6%thin
Williams, OH$6M2nd of 1813.1%quiet FY2022
111 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing93$86M26.8%0.22%80th of 2,246
Construction67$37M11.6%0.12%141st of 2,063
Wholesale trade38$35M10.7%0.13%134th of 1,651
Accommodation & food services70$31M9.5%0.04%307th of 2,596
Retail trade62$26M7.9%0.04%279th of 2,589
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Wesbanco Bank Inc
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans WB Wesbanco Bank, Inc. 1.5% $221M · 376 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Wesbanco Bank IncRankCohort median
Total CRE against capital, the 300% screen268%9th of 12260%
Construction against capital, the 100% screen59%10th of 1249%
Construction and land development, share of loans8.7%10th of 127.4%
Non-owner-occupied nonfarm nonresidential, share of loans22.0%4th of 1225.2%
Total CRE, the guidance definition, share of loans39.6%6th of 1240.0%
CRE growth over 36 months, the third prong+56.8%9th of 12+26.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Atlantic Union Bank$38.02B1.6%50.4%0.50%0.02%1.0%93.8%15.2%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
United Bank$33.64B1.5%46.3%0.44%0.09%1.2%91.6%16.7%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
United Community Bank$28.99B1.4%57.0%0.51%0.18%0.8%83.0%11.8%
Ameris Bank$28.42B1.2%61.0%0.57%0.20%1.6%99.8%14.3%
Wesbanco Bank Inc$27.75B1.4%52.9%0.86%0.09%1.1%89.7%15.2%
Townebank$22.62B2.1%57.8%0.22%0.10%1.3%82.2%13.2%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Live Oak Banking Co.$15.96B1.0%53.2%4.01%0.65%1.5%89.5%7.6%
First Bank$13.03B1.5%49.1%0.49%0.05%1.4%81.1%13.6%
Burke & Herbert Bank & Trust Co.$10.98B0.9%69.0%1.19%0.03%1.2%88.9%12.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Wesbanco Bank IncCohort median
20212026Change20212026Change
Loans$10.40B$19.54B+88%$10.95B$19.76B+81%
Deposits$13.52B$21.77B+61%$15.05B$21.94B+46%
NPA / loans0.43%0.86%+0.43 pts0.55%0.61%+0.06 pts
Efficiency54.7%52.9%-1.9 pts54.0%55.1%+1.1 pts
ROA1.73%1.39%-0.34 pts1.49%1.30%-0.19 pts

This read was prepared for Wesbanco Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Wesbanco Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks over $10B
Institution www.wesbanco.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue