WesBanco Bank, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.28% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.28% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.24% +5.74 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.66B | 2,662,411 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.75B | 21,748,461 | RCOAA223 |
| Recomputed ratio | 12.24% | numerator / denominator | |
| Filed ratio | 12.24% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.74 pp | $1.25B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.24% +4.24 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.66B | 2,662,411 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.75B | 21,748,461 | RCOAA223 |
| Recomputed ratio | 12.24% | numerator / denominator | |
| Filed ratio | 12.24% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.24 pp | $922.5M | capital that could be lost first |
Total risk-based capital ratio 13.28% +3.28 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.89B | 2,888,416 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.75B | 21,748,461 | RCOAA223 |
| Recomputed ratio | 13.28% | numerator / denominator | |
| Filed ratio | 13.28% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.28 pp | $713.6M | capital that could be lost first |
Tier 1 leverage ratio 10.25% +5.25 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.66B | 2,662,411 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $25.98B | 25,979,200 | RCOAA224 |
| Recomputed ratio | 10.25% | numerator / denominator | |
| Filed ratio | 10.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.25 pp | $1.36B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,140,302 | 3,140,302 | 3,140,302 | 3,140,383 | 3,138,396 | 3,142,486 | RCOAP742 |
| Retained earnings | 1,229,386 | 1,196,492 | 1,153,484 | 1,114,457 | 1,045,088 | 1,016,346 | RCOAKW00 |
| Accumulated other comprehensive income | (153,156) | (147,195) | (133,320) | (148,669) | (173,643) | (190,709) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,216,532 | 4,189,599 | 4,160,466 | 4,106,171 | 4,009,841 | 3,968,123 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,554,121) | (1,567,256) | (1,588,502) | (1,599,268) | (1,585,527) | (1,560,231) | P859 - P840 |
| Common equity Tier 1 capital | 2,662,411 | 2,622,343 | 2,571,964 | 2,506,903 | 2,424,314 | 2,407,892 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,662,411 | 2,622,343 | 2,571,964 | 2,506,903 | 2,424,314 | 2,407,892 | RCOA8274 |
| Tier 2 capital | 226,005 | 217,776 | 226,232 | 225,829 | 230,514 | 240,435 | RCOA5311 |
| Allowance includable in Tier 2 capital | 226,005 | 217,776 | 226,232 | 225,829 | 230,514 | 240,435 | RCOA5310 |
| Total capital | 2,888,416 | 2,840,119 | 2,798,196 | 2,732,732 | 2,654,828 | 2,648,327 | RCOA3792 |
| Total risk-weighted assets | 21,748,461 | 21,292,453 | 21,327,803 | 21,226,638 | 20,987,093 | 20,700,699 | RCOAA223 |
| Average total assets for the leverage ratio | 25,979,200 | 25,956,254 | 25,919,479 | 25,871,840 | 25,758,739 | 20,068,704 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $870.8M | $36.4M | 4.18% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.63B | $833.5M | 17.99% | 3.83% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $88.4M | $16.9M | 19.06% | 0.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $5.93B | $3.61B | 60.84% | 16.58% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $141.7M | $212.5M | 150.00% | 0.98% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $113.9M | $170.8M | 150.00% | 0.79% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $13.36B | $13.31B | 99.66% | 61.21% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $16.5M | $16.5M | 100.00% | 0.08% | RC-R Part II, item 7 |
| All other assets | $1.38B | $1.31B | 94.97% | 6.03% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.19B | $2.17B | 99.16% | 9.97% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $95.5M | $47.7M | 50.00% | 0.22% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $16.4M | NA | 0.08% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $21.73B | ties to item 31 ($21.73B) |
|---|---|---|
| Risk-weighted assets before deductions | $21.75B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $21.75B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.32% | 12.32% | 13.34% | 10.10% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.06% | 12.06% | 13.12% | 9.92% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 11.81% | 11.81% | 12.87% | 9.69% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 11.55% | 11.55% | 12.65% | 9.41% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 11.63% | 11.63% | 12.79% | 12.00% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.67% | 12.67% | 13.58% | 10.35% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 11.94% | 11.94% | 12.89% | 9.90% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 11.91% | 11.91% | 12.84% | 9.97% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.08% | 12.08% | 12.98% | 9.95% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.13% | 12.13% | 12.97% | 9.93% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.06% | 12.06% | 12.97% | 9.82% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| WesBanco Bank, Inc. (this bank) | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% | |
| WaFd Bank | $27.58B | Risk-based | 12.95% | 12.95% | 14.14% | 9.21% |
| Arvest Bank | $28.05B | Risk-based | 11.45% | 11.45% | 12.48% | 9.11% |
| Ameris Bank | $28.42B | Risk-based | 13.01% | 13.01% | 14.27% | 11.41% |
| Renasant Bank | $26.99B | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% |
| Sallie Mae Bank | $28.54B | Risk-based | 11.78% | 11.78% | 13.09% | 10.17% |
| Axos Bank | $28.87B | Risk-based | 10.93% | 10.93% | 12.10% | 9.24% |
| Charles Schwab Premier Bank, SSB | $26.58B | Risk-based | 49.32% | 49.32% | 49.32% | 10.90% |
| United Community Bank | $28.99B | Risk-based | 12.09% | 12.09% | 12.93% | 9.52% |
| Customers Bank | $26.50B | Risk-based | 13.55% | 13.55% | 14.53% | 9.34% |
| City National Bank of Florida | $29.11B | Risk-based | 14.65% | 14.65% | 15.75% | 11.38% |
| Peer 25th percentile | 11.86% | 11.86% | 12.97% | 9.26% | ||
| Peer median | 12.68% | 12.68% | 13.90% | 9.84% | ||
| Peer 75th percentile | 13.42% | 13.42% | 14.46% | 10.86% | ||
| This bank's percentile | 40 | 40 | 40 | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/645625/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.