WesBanco Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.73 percentage points in Q2 2026, from 273.78% to 269.05%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, WesBanco Bank, Inc. is 10th of 41 on loan-to-deposit ratio, 89.73% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. WesBanco Bank, Inc. sits 2.89 points higher, at 89.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.54B |
| Net loans and leases | $19.32B |
| Loans held for sale | $57.3M |
| Loans to total assets | 70.42% |
| Loan-to-deposit ratio | 89.73% |
| Net loans to equity capital | 4.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.62% |
| Multifamily (5+ residential) | 8.90% |
| Commercial and industrial | 12.58% |
| Consumer | 1.24% |
| Credit cards | 0.05% |
| Farm | 0.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 269.05% |
| Construction concentration (Tier 1 capital + allowance) | 58.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.01% |
| Interest income on loans | $288.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $11.34B | $13.36B | 38.95% | 10.99% | 2.08% |
| Q4 2023 | $11.66B | $13.42B | 38.13% | 11.44% | 1.99% |
| Q1 2024 | $11.89B | $13.73B | 37.92% | 11.43% | 1.90% |
| Q2 2024 | $12.29B | $13.65B | 37.80% | 11.67% | 1.80% |
| Q3 2024 | $12.48B | $14.24B | 37.68% | 11.42% | 1.71% |
| Q4 2024 | $12.68B | $14.46B | 37.48% | 11.45% | 1.60% |
| Q1 2025 | $18.92B | $21.44B | 35.86% | 12.25% | 1.87% |
| Q2 2025 | $18.95B | $21.29B | 36.00% | 12.04% | 1.76% |
| Q3 2025 | $19.06B | $21.63B | 36.21% | 11.94% | 1.60% |
| Q4 2025 | $19.32B | $21.83B | 36.20% | 12.14% | 1.49% |
| Q1 2026 | $19.14B | $21.84B | 37.07% | 12.08% | 1.37% |
| Q2 2026 | $19.54B | $21.77B | 37.62% | 12.58% | 1.24% |
WesBanco Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock WesBanco Bank, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full WesBanco Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 803) · FFIEC NIC profile (RSSD 645625)