# WESBANCO BANK INC
WHEELING, WV · FDIC certificate 803 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $27.75B | |
| Deposits | $21.77B | |
| Loans and leases | $19.54B | |
| Total equity | $4.22B | |
| Loans / deposits | 88.73% (p62 of band) | 85.78% |
| Liquid assets / assets | 19.08% (p33 of band) | |
| Uninsured deposits / deposits | 32.23% (p34 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.29% (p38 of band) | |
| FHLB advances / assets | 4.87% | |
| Tier 1 leverage | 10.25% (p52 of band) | 10.17% |
| Unrealized securities loss / equity | -7.43% (p50 of band) | -7.43% |
| AOCI / equity | -0.47% (p41 of band) | |
| ROA (annualized) | 1.39% (p63 of band) | 1.24% |
| Net interest margin | 3.68% (p56 of band) | 3.57% |
| Efficiency ratio | 50.18% (p36 of band) | |
| Noncurrent loans | 0.86% (p65 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p41 of band) | |
| Reserve coverage of noncurrent | 129.75% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 40.08% (p65 of band) | |
| Auto loans | $166.2M (0.85% of loans; DQ 2.70%, NCO 0.02%) | |
| Loans to nondepository financials | $34.2M (1% of equity) (p24 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 2942 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | deposits shrinking |  |
| 2016-09 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | wholesale funding >15% |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | wholesale funding >15% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 1 | capital falling | deposits shrinking |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-08-29 [WesBanco Bank Joins the Downtown Charleston, WV Skyline - PR Newswire](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbkNJVUQ3Rl9GTkNvdVE1dEt1Wkw3LVdEN0ZVWEFQRHJQOE9HNkQtdUhWajlCd2F4UXNHdEgxUEVkWUFjNmtUTHRldndvRTUxejhJa3g0MGlmdFFILS1wTnowdnBMWDgtcHZFQlR4VTh0ME11Rms0b2lxQmpDcTlnRmFyek03ejNTVkJYLXBldElfVk85dkxQMk1DVkE4SlExdDhVMzVoOTFVY3lFclBr?oc=5) · PR Newswire
- 2025-06-18 [Generation Next — Katrina Bonar, 39, Retail Sales and Support Coordinator, WesBanco Bank - WV News](https://news.google.com/rss/articles/CBMihwJBVV95cUxQXzE1Z1hDTG9ScENZTVpWal82RVk1MzU1dmtJc0RJUHNmNGlaTF9xb1F5UXJGQnRpb0YzS25SOV9JOHRlczFndzVPSWFycFdaUm1BWGpSZ3BmUDBLMmhwR1htbkV3ejBfa052cEYxS1ZDS1hrb1MyekEySkM3WGJ2RWRrNVFFTzRLVEV3eWFJOWlOZTRWd3N3b2RVUktvak9jVEo1SjRhSnA3V0ExSVFuWkgwdkxUQ2xMRE90aFZocnYwbV9HUjg4MllWNWZkVFZJaXVsYjFwRl9EZFJJSWwyZC1YRVpoQ3lsUzFHejJEaGFLT012ejBoRWlNb3RwMWdBVjJOQmN3SQ?oc=5) · WV News
- 2019-04-17 [WesBanco sees profits climb 20% - Dayton - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxQR2FYbTJvU3hMMDItcG9SWDNOR1JPRXc1aDJhTW9aZVI0UnZCR3JvZFlySHdabEc3Nmd5cklKUEpEZ2JxMUlWd2o0bC1iYkVBNlloSkc4Nk8tS2JlN1J5bFozeUl1dkhjVG1uV1hyRmZ4QUhmX3kwT1dPUXpqeDJRX0N3aTBPOTFnNlFnd3ZYdw?oc=5) · The Business Journals
- 2025-02-28 [WesBanco, Inc. Completes Acquisition of Premier Financial Corp. and Appoints Directors - PR Newswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNOFRheTVZLWRsQkVjTDlsY2ZkWkpuQW0wTTB4N0wtTFJyakN5NWU2dkZhdnphUDF2ZE5yVzIyNTVPRWtRR3VKNHNJeTlubW5raUExRUhlOUlrX0lQWlZOUmRHeEtMNExGdXpyQm42MDY0aTZEeGpidkswUFItcHloNFpXQ0hzaE5Sc1ZWRGtDelk1eE9yU0ozMkVjVlBrTXc3TEQybVFxS1VqRVpmTzVoOGRvM0V1MFdiUG5ZRUl5Sm5zRTNVZ2xIWUJhcGRidmVJTGJMUUln?oc=5) · PR Newswire
- 2018-11-12 [CEO Todd Clossin to Address December Graduates - West Liberty University](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPR3JiRnc0NTFZampUZkhfS21xRVJsQVlNdkIxMmRzRURxRk10cWc5dlR2ZDVqeURkU3pkU2lrcXNUcVlwWDhjS0x6dTJvczl1X0wzaW4yZ0libFc2Y3ZZSDVkVzJCdl9pMDRyMVE0dlBLWWRWcTVSNnh5Zmk1RlRvVlAxRkE5bkpZ0gGOAUFVX3lxTE04YU5pY1IybklqTkY5VF9qYWk4R2lqUXlRN3Rra0xWYXIwNEd1ZndnSmRibFljdVFDd0RtM0J5eXZJWXpKSzVPa1ZPcEh1ZEF1bnA4cGcwQjljNGFWVVlVbjZWaF9XOG5GN2xLOTU3MGstZldCek5hTWRFd2R6R042S1hSWDNKX0NtTHNQb3c?oc=5) · West Liberty University
- 2026-08-26 [Deutsche Bank AG Makes New $3.91 Million Investment in WesBanco, Inc. $WSBC - MarketBeat](https://news.google.com/rss/articles/CBMiywFBVV95cUxNT3N2MUdURUh0NkZxN3l1MFN2UFhVTjZiNWR5cFBLS3pvcjgyZDh0c0l2TGs3bHQwaVE5SXNSZHhWWnpMQURSVDBReDh4S2hmZnJLZ3dqQzI3b0tGRDRnOVJIZ1UxVDVzYmw0YTlEZGphVGRVVWdqV2JhUGRySVVWaU93T21zYTN1Y3RKdHNCc2V4RWJZakZlVU5ycDJ1SmxUeTZBSU5UdHp6VUZHSGxlc0hlTFExQW9YbzdJejMzY2Z3Y2lwbVVoSHRkRQ?oc=5) · MarketBeat
- 2018-09-19 [EXCLUSIVE: New market president named for WesBanco amid leadership changes - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPMDdrdU1LRW52X29ueVZ5WldxZ0cxeVpPYmdpYVAwRjNSVGxUXzZRMDFGM3hxMC1qWU9hR3R3ajdaMzFUdVlocTlzZTNucGhEZE11bXRqOFY1RGZxRXYwMjM0am9uelRPTlRzMXRzNmFYOWNqa19GWHdjVlRidjBxVE4xNko3Z1VWb3FQZXJoR0tzV2U1cWphUHVYc1IzSlVkR29Gbjd4dGo?oc=5) · The Business Journals
- 2024-06-07 [WesBanco Names Patrick O'Malley as Charleston/Huntington/Southeast Ohio Market President - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOQ3M1MHNpTGI0cHN6LWFZTGtIQ1pnaXl5eUFjcmtETzFUZW1TeGVnZGItaE5jTmNpX2ZIVlVlamhNWUZqeWM5LVlkbFo0YWtnV0J5blFNN1BrbGZkNXVtaVEzQ0FjVkFFUmxxYmcwNW1pV3BXQm9jSWlfNllScjNsZHpYY2RjcDJLTzBuOTBPc1owSlhKZExCekdEWUFiWmdGVy1zU19wRlliM1RpMHRZX3RiVFhuanNDWGJGMW1KRUZ1Vzl6VkMtcENhRklyQ0hRRjhrbG9nTVY?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=803 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "803", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide