WesBanco Bank, Inc.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
WesBanco Bank, Inc. is a regional commercial bank serving West Virginia and adjacent markets, with headquarters in Wheeling. Total assets stand at $27.7B. Returns are notably above industry norms: 1.41% ROA, 9.32% ROE, and 3.67% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 12.24% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 1.14% NPL ratio. WesBanco Bank, Inc runs a 219-branch network across multiple states.
As of June 30, 2026, WesBanco Bank, Inc. reported a CET1 capital ratio of 12.24%, a return on assets of 1.41%, a nonperforming-loan ratio of 1.14%, a Texas ratio of 9.01%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1 Bank Plz, Wheeling, WV 26003
- County
- Ohio
- Metro Area
- Wheeling, WV-OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 20, 1870
- Former names
- Wesbanco Bank Wheeling (1991-2000); Wheeling Dollar Bank (1985-1991)
- Offices
- 219 domestic
- Employees (FTE)
- 2,942
- Domestic deposits
- $21.77B
- Allowance for credit losses
- $217.8M
- Net charge-offs (YTD)
- $8.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 803
- Fed RSSD
- 645625
- SEC CIK
- 203596 → filed by WESBANCO, INC.
- Website
- www.wesbanco.com →
- Parent Holding Company
- WESBANCO, INC. (RSSD 1070448) · WSBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jackson Jeffrey H | CEO | President & CEO |
| Daniel K Weiss | CFO | SEVP & Chief Financial Officer |
| Laws Richard K | GC | SEVP Chief Legal Counsel |
| Friend Robert H | CCO | EVP & CCO |
| Perkins Michael L | CRO | SEVP/Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full WesBanco Bank, Inc. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock WesBanco Bank, Inc., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
WesBanco Bank, Inc. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 1.41% | 1.14% | 9.01% | 3.67% |
| Q1 2026 | 12.32% | 1.36% | 1.01% | 7.87% | 3.57% |
| Q4 2025 | 12.06% | 1.40% | 0.96% | 8.46% | 3.69% |
| Q3 2025 | 11.81% | 1.29% | 1.27% | 10.11% | 3.63% |
| Q2 2025 | 11.55% | 0.90% | 1.02% | 8.64% | 3.67% |
| Q1 2025 | 11.63% | 0.03% | 1.01% | 8.33% | 3.12% |
| Q4 2024 | 12.67% | 1.17% | 1.09% | 8.76% | 3.13% |
| Q3 2024 | 11.94% | 0.92% | 0.62% | 5.87% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 217 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| WesBanco Bank, Inc. (main office) | Wheeling , WV | 26003 | $683.5M |
| Fort Wayne Illinois Rd Branch | Fort Wayne , IN | 46804 | $535.9M |
| Old Line Bank Branch | Bowie , MD | 20716 | $416.0M |
| New Albany Branch | Columbus , OH | 43230 | $278.6M |
| West Henderson Road | Columbus , OH | 43220 | $266.4M |
| Elm Grove Branch | Wheeling , WV | 26003 | $256.7M |
| Defiance Main Branch | Defiance , OH | 43512 | $247.6M |
| West Dixie Branch | Elizabethtown , KY | 42701 | $245.5M |
| Wesbanco Bank Inc Bank Branch | Huntington , WV | 25701 | $244.6M |
| Barnsville Branch | Barnesville , OH | 43713 | $238.1M |
| Napoleon North | Napoleon , OH | 43545 | $228.5M |
| Spring Street Branch | New Albany , IN | 47150 | $224.5M |
| California Branch | California , MD | 20619 | $220.7M |
| La Plata Branch | La Plata , MD | 20646 | $218.5M |
| 333 Penco Road Branch | Weirton , WV | 26062 | $215.5M |
| Rockville Pike Branch | Rockville , MD | 20852 | $213.5M |
| Belden Branch | North Canton , OH | 44720 | $212.1M |
| Georgetown Branch | Georgetown , KY | 40324 | $211.1M |
| Boardman Branch | Youngstown , OH | 44512 | $204.6M |
| Premier Bank Branch | Youngstown , OH | 44503 | $199.4M |
| Canfield Branch | Canfield , OH | 44406 | $198.6M |
| Bryan Main | Bryan , OH | 43506 | $198.1M |
| Zelienople Branch | Zelienople , PA | 16063 | $193.8M |
| United Branch | Frankfort , KY | 40601 | $192.6M |
| Sabraton Branch | Morgantown , WV | 26505 | $185.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2025 | M&A | merger | SEC |
| March 1, 2025 | Structure Change | Acquired Premier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 23, 2019 | M&A | merger | SEC |
| November 23, 2019 | Structure Change | Acquired Old Line Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 22, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 21, 2018 | M&A | merger | SEC |
| August 21, 2018 | Structure Change | Acquired United Bank & Capital Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 2018 | M&A | merger | SEC |
| April 6, 2018 | Structure Change | Acquired First Sentry Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 5, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2016 | M&A | merger | SEC |
| September 10, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2016 | Structure Change | Acquired Your Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2015 | M&A | merger | SEC |
| February 11, 2015 | Structure Change | Acquired ESB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | M&A | merger | SEC |
| December 1, 2012 | Structure Change | Acquired Fidelity Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 26, 2008 | M&A | merger | SEC |
| April 26, 2008 | Structure Change | Acquired Oak Hill Banks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 25, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2005 | M&A | merger | SEC |
| January 3, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2005 | Structure Change | Acquired The Winton Savings and Loan Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2004 | M&A | merger | SEC |
| September 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2004 | Structure Change | Acquired Cornerstone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2002 | M&A | merger | SEC |
| March 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2002 | Structure Change | Acquired Wheeling National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 2000 | M&A | merger | SEC |
| January 15, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2000 | Structure Change | Acquired Wesbanco Bank Fairmont, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 36 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for WesBanco Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 8.7% of deposits in WV, rank 3 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9,408 applications, 6,248 loans originated, $1.69B originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 43 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about WesBanco Bank, Inc.
What are WesBanco Bank, Inc.'s total assets?
As of the Q2 2026 filing, WesBanco Bank, Inc. reported total assets of $27.75 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is WesBanco Bank, Inc. headquartered?
WesBanco Bank, Inc. is headquartered in Wheeling, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was WesBanco Bank, Inc. founded?
WesBanco Bank, Inc. was established in 1870, per the FDIC institution directory.
Is WesBanco Bank, Inc. FDIC-insured?
Yes. WesBanco Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates WesBanco Bank, Inc.?
WesBanco Bank, Inc.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is WesBanco Bank, Inc.'s CET1 capital ratio?
WesBanco Bank, Inc. reported a Common Equity Tier 1 (CET1) capital ratio of 12.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does WesBanco Bank, Inc. operate?
WesBanco Bank, Inc. operates 219 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is WesBanco Bank, Inc.'s Texas Ratio?
WesBanco Bank, Inc.'s Texas Ratio is 9.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was WesBanco Bank, Inc. previously called?
The charter now named WesBanco Bank, Inc. has also operated as Wesbanco Bank Wheeling (1991-2000), Wheeling Dollar Bank (1985-1991), per FDIC structure-change records.
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