Q2 2025 Investor Presentation(WSBC financials as of the three months ended March 31, 2025) John Iannone Senior Vice President, Investor Relations 304-905-7021

Forward-looking statements in this report relating to WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco’s Form 10-K for the year ended December 31, 2024 and documents subsequently filed by WesBanco with the Securities and Exchange Commission (“SEC”), including WesBanco's Form 10-Q for the quarter ending March 31, 2025, which are available at the SEC’s website, www.sec.gov or at WesBanco’s website, www.WesBanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco’s most recent Annual Report on Form 10-K filed with the SEC under “Risk Factors” in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, that the businesses of WesBanco and Premier may not be integrated successfully or such integration may take longer to accomplish than expected; the expected cost savings and any revenue synergies from the merger of WesBanco and Premier may not be fully realized within the expected timeframes; disruption from the merger of WesBanco and Premier may make it more difficult to maintain relationships with clients, associates, or suppliers; the effects of changing regional and national economic conditions, changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; cyber-security breaches; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements. While forward-looking statements reflect our good-faith beliefs, they are not guarantees of future performance. All forward-looking statements are necessarily only estimates of future results. Accordingly, actual results may differ materially from those expressed in or contemplated by the particular forward-looking statement, and, therefore, you are cautioned not to place undue reliance on such statements. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law. Statements in this presentation with respect to the benefits of the merger between WesBanco and Premier, the parties’ plans, obligations, expectations, and intentions, and the statements with respect to accretion, earn back of tangible book value, tangible book value dilution and internal rate of return, constitute forward-looking statements as defined by federal securities laws. Such statements are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors including: the businesses of WesBanco and Premier may not be integrated successfully or such integration may take longer to accomplish than expected; the expected cost savings and any revenue synergies from the merger may not be fully realized within the expected time frames; disruption from the merger may make it more difficult to maintain relationships with clients, associates, or suppliers; changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of other business strategies; the nature, extent, and timing of governmental actions and reforms; extended disruption of vital infrastructure; and other factors described in WesBanco’s 2024 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the Securities and Exchange Commission. In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), WesBanco's management uses, and this presentation contains or references, certain non-GAAP financial measures, such as pre-tax pre-provision income, tangible common equity/tangible assets; net income excluding after-tax restructuring and merger-related expenses and excluding after-tax day one provision for credit losses on acquired loans; efficiency ratio; return on average assets; and return on average tangible equity. WesBanco believes these financial measures provide information useful to investors in understanding our operational performance and business and performance trends which facilitate comparisons with the performance of others in the financial services industry. Although WesBanco believes that these non-GAAP financial measures enhance investors' understanding of WesBanco's business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the Quarterly Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings that the company has made with the SEC. Forward-Looking Statements and Non-GAAP Financial Measures

Strong and diversified market presence across economically diverse geographies that supports disciplined organic growth Top 100 U.S. bank, based on total assets Granular core deposit funding base supports robust commercial and consumer business model Differentiated and competitive deposit profile Diversified revenue streams built upon unique long-term advantages 9% organic loan growth CAGR since 12/31/2021 $9+ billion wealth management business Distinct long-term growth strategies built upon prudent credit, capital, and risk management Peer-leading credit quality metrics Diversified business model with strong market presence Note: average loan and deposit data as of 3/31/2025; location data as of 3/31/2025 (loan production offices indicated by red dots); market share based on 2024 deposit rankings and OH is WSBC+Premier Financial (“PFC”) (except Pittsburgh which is MSA) (exclusions: Pittsburgh MSA – BNY Mellon, Raymond James; MD – Forbright, Capital Funding; OH – National Consumer Cooperative Bank) (source: S&P Capital IQ as of 10/2/2024) Differentiated Regional Financial Services Institution #13 #8 #12 #3 #10 Pgh Strong Market Presence in Major Markets Broad and Diversified Market Distribution

Broad and diversified loan and deposit distribution across contiguous eight state footprint, with complementary loan production office strategy Full suite of commercial and consumer banking capabilities, complemented by a wealth management business with a 100+ year track-record of success managing assets of $7.0B under trust and $2.4B under securities brokerage Robust legacy deposit base provides core funding and pricing advantages Streamlining through digitization and technology investments Unique advantages, sustainable growth, shareholder focus Note: assets under trust are market value of Trust & Investment Services assets under management and securities brokerage assets are account value (including annuities), both as of 3/31/2025; Kroll Bond Rating Agency rating affirmation announced 7/30/2024 Investment Rationale Broad and Diversified with Unique Long-Term Advantages Disciplined Growth from Distinct Long-Term Growth Strategies Legacy of Credit Quality, Risk Management, and Shareholder Focus Organic growth-oriented business model supported by strategic acquisition and loan and production office strategies that support positive operating leverage Relationship-focused model that meets customer needs efficiently and effectively Leveraging digital capabilities to drive customer relationship value Focus on positive operating leverage built upon a culture of expense management Uncompromising approach to risk management, regulatory compliance, credit underwriting, and capital management Eight consecutive “outstanding” CRA ratings from the FDIC since 2003 Senior unsecured debt ratings of BBB+ to WesBanco, Inc. and A- to WesBanco Bank, Inc., from Kroll Bond Rating Agency Critical, long-term focus on shareholder return through earnings growth and effective capital management

Strategies for Long-Term Success

Organic growth-oriented business model Long-Term Growth Strategies Focus on Delivering Positive Operating Leverage Strong Legacy of Credit, Capital, and Risk Management Diversified Loan Portfolio Built upon a Relationship Focused Model Distinct Revenue Capabilities, Led by 100+ Year Wealth Management Business Digital Banking Service Strategies and Core Deposit Advantage Franchise-Enhancing Expansion through LPO Strategy and Targeted Acquisitions

Focus on strategic diversification and growth built upon strong credit quality Balance disciplined loan origination with prudent underwriting standards Focus on relationship lending Key offerings include loan swaps, treasury management, foreign exchange, cyber security, and lockbox services Strong residential mortgage program, including home equity lending Loan production office and lender hiring strategy Average loans to average deposits ratio of 89.3% provides opportunity for continued loan growth Manageable lending exposures De-emphasized consumer and several CRE categories in recent years Office investment loan portfolio ~$616 million (3+% of the total loan portfolio) and in stable condition Geographically diverse (no Tier 1 cities) Average loan-to-value ~65% Average debt service coverage ratio ~1.5x Focus on balanced loan growth with strong underwriting standards Note: loan and deposit data as of quarter ending 3/31/2025; loan-to-value and debt service coverage as of 12/31/2024 (and do not include PFC); office investment portfolio excludes owner-occupied; organic CAGR, as of 3/31/2025, excludes closed acquisitions since 12/31/2021 (please see slide 12) Diversified Loan Portfolio $18.7 Billion Loan Portfolio Loan Category C&I Comm’l R/E (Total) HELOC Residential R/E Consumer Total 19% 22% 17% 29% 15% Organic 3% 10% 11% 12% (12%) CAGR Since 12/31/2021

Securities Brokerage $2.4B in account value 11,650+ accounts Securities investment sales Investment advisory services Licensed banker and regional player/coach programs Expansion opportunities in KY, IN, and Mid-Atlantic markets, as well as external business development opportunities Trust & Investment Services $7.0B of trust and mutual fund assets under management 6,800+ relationships Legacy market private wealth management growth opportunities Expansion opportunities in the Mid-Atlantic market WesMark Funds – six proprietary funds across equities, bonds, and tactical assets Strong capabilities built upon a century of success Note: assets, loans, deposits, and clients as of 3/31/2025; chart financials as of 12/31 unless otherwise stated; Trust & Investment Services trust and mutual fund assets under management are market value and Securities Brokerage is account value (including annuities and managed accounts);Trust & Investment Services assets under management and Securities Brokerage account values include PFC – all other figures are WSBC-only Wealth Management $0.1 $0.4 $0.8 $1.1 Private Client Loans and Deposits (as of 12/31) ($B) CAGR 29% Trust & Investment Services AUM (Market Value as of 12/31) ($B) CAGR 5.1% 3/31 3/31 Private Client $1.7B in private client loans and deposits 5,700+ relationships Private wealth management growth opportunities across all markets $1.7 Securities Brokerage Account Value (Market Value as of 12/31) ($B) CAGR 18% x/xx Insurance: personal, commercial, title, health, and life; expand title business in all markets; digital insurance agency for both personal and commercial property & casualty; and third-party administrator (TPA) services for small business healthcare plans

New capabilities with long-term growth opportunities Treasury Management Focus on building comprehensive business customer relationships by providing individualized services to improve cash flow management, increase earning power, and strengthen fraud protection for clients Key Treasury Management services Online and mobile access Deposit services Payables Sweep products Fraud and risk mitigation New Treasury Management products Multi-card (purchasing, T&E, fleet, virtual cards) Deposit escrow sub-accounting capabilities Integrated payables Integrated receivables In 2025/2026 try to develop a metric/chart to add to slide During 2023, transformed the Treasury Management business line into a sales-oriented organization that strategically partners with commercial and business bankers to strengthen customer relationships Represents an untapped market for our business clients, as current focus is on building a strong pipeline to drive future fee-based revenues Industry experts estimate that 40% of all B2B payments in the U.S. are still made with a check ... costing companies $25 billion of processing costs annually

Digital banking utilization ~75% of retail customers utilize online digital banking services ~4.6 million web and mobile logins per month ~340,000 mobile wallet transactions, ~57,000 Zelle® payments, and ~31,000 mobile deposits per month Digital acquisition 40+% of residential mortgage applications submitted via online portal >460 deposit accounts opened online per month WesBanco Insurance Services launched white-label insurance capabilities with a web-based term-life insurance platform, and a fully-integrated digital property and casualty insurance for consumers and small businesses State-of-the-art core banking software system Omni-channel presence – real-time account activity across all channels Improved customer service through reduced manual activities More efficient processing cost structure Cloud-based architecture utilization Early adoption to leverage modernized data and application platforms, combined with significant expense and performance benefits Actively harnessing advanced artificial intelligence (AI) and robotic process automation (RPA) technologies to automate business processes Leveraging digital to drive customer value and enterprise efficiency Note: digital statistics as of 3/31/2025 year-to-date; Zelle® payment service added August 2021; online residential mortgage applications and deposit account opening capabilities launched July 2019; WesBanco Insurance Services online term-life and P&C insurance capabilities launched November 2020 and January 2021, respectively; core banking software system upgraded 8/2/2021 Robust Digital Capabilities

Differentiated and competitive deposit profile Note: quarterly financial data; organic CAGR excludes acquisitions during the last 5 years (please see slide 12); peer bank group includes all U.S. banks with total assets of $20B to $50B from S&P Capital IQ (as of 5/9/2025) and represent simple averages; total deposits funding cost includes non-interest bearing deposits Core Deposit Funding and Pricing Advantages Granular core deposit funding base supports diversified commercial and retail strategy Competitive funding advantage driven by granular core deposit franchise Total demand deposits (~48% of total deposits) and non-interest bearing demand deposits (~25% of total deposits) have grown organically 7% and 4%, respectively (5-year CAGR) Reflects the impact of $1.3 billion of certificates of deposit from the PFC acquisition, which represented ~20% of PFC total deposits, as compared to ~12% for stand-alone WesBanco Average loans to average deposits ratio of 89.3% provides opportunity for continued loan growth Q1 Q1

Targeted acquisitions in existing markets and new higher-growth metro areas, as well as a complementary loan production office (“LPO”) strategy Long-term focus on appropriate capital management to enhance shareholder value Strong capital and liquidity, along with strong regulatory compliance processes, provides ability to execute transactions quickly Diligent efforts to maintain a community bank-oriented, value-based approach to our markets History of successful acquisitions that have improved earnings Franchise-Enhancing Expansion Loan production office strategy and targeted acquisitions Note: loan production office strategy indicated by red dots; AmTrust was an acquisition of five branches Franchise-Enhancing Expansion Contiguous Markets Expansion Franchise-Enhancing Expansion Mergers PFC OLBK FFKT FTSB YCB ESB FSBI AmTrust OAKF Announced Jul-2024 Jul-2019 Apr-2018 Nov-2017 May-2016 Oct-2014 Jul-2012 Jan-2009 Jul-2007 Closed Feb-2025 Nov-2019 Aug-2018 Apr-2018 Sep-2016 Feb-2015 Nov-2012 Mar-2009 Nov-2007 Loan Production Offices Chattanooga (3Q2023) Indianapolis (2Q2022) Nashville (1Q2022) Northern VA (3Q2021)

(1) Track-record of expense control with on-going enhancement efforts Note: financial data as of 12/31; current year data as of 3/31/2025 year-to-date; balance sheet data as of period ends (1) Non-GAAP measure – please see reconciliation in appendix; non-interest expense does not exclude restructuring and merger-related expenses Delivering Positive Operating Leverage ESB Merger (Feb-15) Fidelity Merger (Nov-12) YCB Merger (Sep-16) FTSB (Apr-18) & FFKT (Aug-18) Mergers OLBK Merger (Nov-19) Track-record of disciplined growth, balanced by a fundamental focus on expense management and supported by franchise-enhancing acquisitions, in order to deliver positive operating leverage and enhance shareholder value PFC Merger (Feb-25)

Strong legacy of credit and risk management and regulatory compliance Based upon conservative underwriting standards and approval processes supported by centralized back-office and loan funding functions Mature enterprise risk management program headed by Chief Risk Officer addressing key risks in all business lines and functional areas Enhanced compliance and risk management system and testing platform Strong and scalable BSA/AML function Examined by CFPB for consumer compliance supervision Eight consecutive “outstanding” CRA ratings since 2003 Strong regulatory capital ratios significantly above regulatory requirements Capital ratios above both regulatory and well-capitalized levels Note: capital ratios enhanced by August 2020 preferred stock issuance of $150MM and August 2024 common equity raise of $200MM (in conjunction with the acquisition of Premier Financial Corp.); effective 4Q2019, Tier 1 Capital Ratios negatively impacted by the movement of ~$130MM of TruPS from Tier 1 to Tier 2 risk-based capital, as required by the Dodd-Frank Act for financial institutions with total assets >$15B Strong Risk Management and Capital Position memo Well-Capitalized 8.0% Required 6.0% memo Well-Capitalized 5.0% Required 4.0% Tier 1 Leverage Capital Ratio Tier 1 Risk-Based Capital Ratio

Ensuring a strong financial institution for all of our stakeholders Note: data as of 12/31/2024 except Board diversity (as of 4/16/2025) and financial center reduction (as of 1/31/2025) and compared to 12/31/2019); “CRA” is Community Reinvestment Act; “key senior executive leadership” defined as the CEO’s direct reports and their direct reports; please visit wesbanco.com for the full sustainability report Commitment to Sustainability >7,300 jobs Created by New Markets Loan Program (total Tax Credit Allocations 2004-2024) $2.4 billion Community Development Lending (2020-2024) $133 million Community Reinvestment Act Investments (2024) $5.0 million Community Development Philanthropic Donations (2020-2024) 58,100 hours Community Development Service Hours (2020-2024) 8 consecutive ”Outstanding” composite ratings from the FDIC for CRA performance, a period spanning more than 20 years ~70% female Employees, including 55% of Bank Officers 60% female Key senior executive leadership positions 25% diverse Board of Directors (gender, ethnicity) >10% diverse Employees, including >7% of Bank Officers 36% supplies Green office supplies (<1% in 2019); ~50% when excluding food items ~30% facilities Converted to LED lighting; will continue conversions, over time, as remodel facilities 50% workforce Including 90% of support areas, in either a 100% remote or hybrid schedule >25% reduction In financial center footprint, while continuing to serve customers effectively 155 years Strong culture of credit quality, risk management, and compliance

WesBanco was one of just 300 public companies being named to Forbes’ inaugural list of the Most Trusted Companies in America Newsweek again named WesBanco Bank one of America’s Best Regional Banks, based on soundness, profitability, and positively impacting their communities Newsweek named WesBanco one of America’s Greatest Workplaces, based on an employee survey covering topics like compensation and benefits, training and career progression, work-life balance, and company culture WesBanco also named one of America’s Greatest Workplaces for Parents and Families, by Newsweek, based on how much parents feel supported in a workplace and the number of corporate programs benefiting families For the third consecutive year, WesBanco was named one of the best performing 100 largest banks by S&P Global Market Intelligence Bauer Financial again awarded WesBanco Bank their highest rating as a “five-star” bank – for the 41st consecutive quarter WesBanco Bank received the America Saves Designation of Savings Excellence for Banks, a designation from America Saves, for the 9th consecutive year and one of only nine banks National accolades a testament to strong performance & foundation Commitment to Excellence

Financial Overview

Successfully closed the acquisition of Premier Financial (“PFC”) on 2/28/2025 Significant economies of scale and strong pro forma profitability metrics Total organic loan growth was 7.8% YoY and 4.4% QoQ (annualized), and fully funded through deposit growth Total organic deposit growth was 6.8% YoY and 8.1% QoQ (annualized) Organic deposit growth, excluding CDs, increased 4.8% YoY and 10.6% QoQ (annualized) Net interest margin of 3.35% increased 32 basis points QoQ, driven by ~25 basis points from PFC interest mark accretion and securities restructuring Efficiency ratio of 58.6% improved 803 basis points YoY due to benefits from PFC and a focus on expense management and positive operating leverage Net Income Available to Common Shareholders and Diluted EPS(1) $51.2 million; $0.66/share Total Loan Growth +47.6% QoQ; +57.3% YoY Total Deposit Growth +50.6% QoQ; +57.8% YoY Average loans to average deposits 89.3% Non-Performing Assets to Total Assets 0.30% Tangible Common Equity to Tangible Assets(1) 7.47% Successful acquisition of PFC; strong organic loan and deposit growth Note: financial and operational highlights during the quarter ended March 31, 2025; YoY = year-over-year; QoQ = quarter-over-quarter (1) Non-GAAP measure – please see reconciliation in appendix Q1 2025 Financial and Operational Highlights

Allowance coverage ratio of 1.25% Note: ACL at 3/31/2025 excludes off-balance sheet credit exposures of $6.5 million; CECL allowance for losses on acquired loans of $87.1 million in the chart excludes $1.4 million which reflects the reserve on commitments and charge-offs on the acquired portfolio for a total of $88.5 million allowance for credit losses The allowance for credit losses on loans was $233.6 million at 3/31/2025, which provided a coverage ratio of 1.25% Excluded from the allowance for credit losses and related coverage ratio are fair market value adjustments on previously acquired loans representing 1.88% of total loans Under the Current Expected Credit Loss accounting standard, which ensures a forward-looking approach to credit risk, WesBanco was required to estimate and record expected credit losses over the life of the acquired PFC loans – this required day one provision for credit losses on acquired loans is considered a non-recurring earnings impact as it is associated with the closing of the PFC acquisition and not indicative of operational or credit quality trends Recorded an allowance for credit losses of $88.5 million ($87.1 million associated with loan outstandings) and a $59.4 million provision for the acquired loan portfolio, at 3/31/2025 Q1 2025 Current Expected Credit Loss (CECL)

Reflecting $5.9 billion of loans from PFC and organic growth, total loans increased 57.3% YoY to $18.7 billion Total organic loan growth was +7.8% YoY and +1.1% (or +4.4% annualized) QoQ, which was driven by commercial loan growth of +9.8% YoY and +6.6% QoQ annualized PFC and loan production offices are contributing meaningfully to the commercial loan pipeline, which totaled approximately $1.3 billion, as of 3/31/2025 PFC ~30% of total pipeline CRE loan payoffs totaled approximately $83 million during Q1 2025, as compared to approximately $63 million last year(1) C&I line utilization was ~37% for Q1 2025, as compared to a mid-40% range prior to the pandemic(1) Total organic loan growth of $0.9 billion year-over-year Q1 2025 Total Portfolio Loans Note: commercial payoffs and new originations and associated yields (in charts above) are WesBanco-only and do not include PFC (1) WesBanco-only and does not include PFC

Strong organic deposit growth fully funded strong loan growth Note: “uninsured deposits” are approximated; “collateralized municipal deposits” are collateralized by securities Reflecting $6.9 billion of deposits from PFC and organic growth, total deposits increased 57.8% YoY to $21.3 billion Strong sequential quarter organic deposit growth of $285 million fully funded solid loan growth of $138 million Total organic deposit growth was 6.8% YoY and 8.1% QoQ (annualized) Organic deposit growth, excluding certificates of deposit, increased 4.8% YoY and 10.6% QoQ (annualized) Distribution: consumer ~54% and business ~30% (note: public funds, which are separately collateralized, ~16%) Average loans to average deposits were 89.3%, providing continued capacity to fund loan growth Q1 2025 Total Deposits

NIM benefiting from loan growth and management of funding costs Q1 2025 NIM of 3.35% improved 32 basis points from the fourth quarter and 43 basis point from the prior year period, through a combination of higher loan and securities yields, lower funding costs, and purchase accounting accretion Interest rate mark accretion from the PFC acquisition and the securities restructuring benefited Q1 2025 NIM by approximately 25 basis points Deposit funding costs, including non-interest bearing deposits, were 188 basis points, increased 7 basis points YoY but decreased 9 basis points sequentially Approximately two-thirds of the $3 billion CD portfolio, with an average rate of 3.9%, mature or reprice lower during the next six months $1.4 billion of Federal Home Loan Bank borrowings, with an average rate of 4.5%, mature during Q2 2025 Borrowings increased $475 million YoY due to the addition of PFC’s advances Q1 2025 Net Interest Margin (NIM) Note: commercial loan repricing frequency chart is WesBanco-only and does not include PFC

Non-interest income increased year-over-year due primarily to the acquisition of PFC which drove higher service charges on deposits, bank-owned life insurance (“BOLI”), digital banking income, and trust fees Service charges on deposits reflect the addition of PFC, fee income from new products and services and treasury management, and increased general consumer spending Trust fees reflect PFC, organic growth, and market valuation changes BOLI includes a $0.9 million death benefit received and the addition of PFC Gross swap fees were $2.0 million, compared to $0.8 million in the prior year Fair market valuation loss of $1.0 million, as compared to a $0.8 million gain last year Fee income increased $4.0 million, or 13%, year-over-year Note: OREO = other real estate owned; AUM = assets under management; securities account values include annuities Q1 2025 Non-Interest Income

Focused on efficiency gains to support positive operating leverage Q1 2025 Non-Interest Expense Non-interest expense, excluding merger and restructuring charges, increased 17% YoY primarily due to the addition of the PFC expense base associated with approximately 900 employees and 70 financial centers Efficiency ratio of 58.6% improved 803 basis points YoY and 261 basis points QoQ due to the benefits of the PFC acquisition, as well as a continued focus on expense management and driving positive operating leverage Equipment and software expense includes the additional cost of operating two core systems until conversion to one platform in mid-May Amortization of intangible assets increased $2.1 million YoY and $2.2 million QoQ due to the core deposit intangible asset that was created from the acquisition of PFC

Comparable operating measures to peer bank group Note: historical data as of 12/31 YTD; current data as of 3/31/2025 YTD; peer bank group includes all U.S. banks with total assets of $20B to $50B from S&P Capital IQ (as of 5/9/2025 and represent simple averages; NIM (fully taxable-equivalent (FTE) and annualized basis) and non-interest expense (does not exclude restructuring & merger-related expenses) are company reported; other figures are S&P calculations); 2020 and 2021 comparability impacted by timing of the adoption of Current Expected Credit Losses (“CECL”) accounting standard and economic assumptions used by each bank (WSBC adopted January 1, 2020); please see reconciliations in the appendix Return on Average Assets Non-Interest Expense to Total Assets Net Interest Margin Return on Average Tangible Common Equity Disciplined Execution upon Growth Strategies 1.09% 1.40% 0.96% 0.81% 0.88% 15.5% 16.7% 12.6% 13.2% 11.0%

Favorable asset quality measures compared to peer bank group Note: financial data as of quarter ending for dates specified; peer bank group includes all U.S. banks with total assets of $20B to $50B from S&P Capital IQ (as of 5/9/2025) and represent simple averages except criticized & classified loans as % of total loans which is a weighted average; 2020 and 2021 comparability impacted by timing of the adoption of Current Expected Credit Losses (“CECL”) accounting standard and economic assumptions used by each bank (WSBC adopted January 1, 2020) Non-Performing Assets as % of Total Assets Net Charge-Offs as % of Average Loans (YTD Annualized) Allowance for Credit Losses as % of Total Loans Criticized & Classified Loans as % of Total Loans Strong Legacy of Credit Quality

Returning value to shareholders Note: dividend through November 2024 declaration announcement; WSBC dividend yield based upon 5/8/2025 closing stock price of $31.08; peer bank group includes all U.S. banks with total assets of $20B to $50B (as of most recent period) from S&P Capital IQ (as of 5/9/2025 and represent simple average) Under the existing share repurchase authorization that was approved on February 24, 2022 by WesBanco’s Board of Directors Non-GAAP measure – please see reconciliation in appendix Focus on appropriate capital allocation to provide financial flexibility while continuing to enhance shareholder value through earnings growth and effective capital management Capital management strategy: dividends, loan growth, acquisitions, share repurchases Q1 2025 dividend yield 4.8%, compared to 3.4% for bank group ~1.0 million shares continue to remain for repurchase (as of 3/31/2025)(1) Capital Management Strategy Tangible Book Value per Share ($)(2) Quarterly Dividend per Share ($) +164% +66%

Appendix

Key metrics Note: PTPP = pre-tax, pre-provision Non-GAAP measure – please see reconciliation in appendix Excludes restructuring and merger-related expenses and/or day 1 provision for credit losses on acquired loans Q1 2025 Financial and Operational Highlights

Tangible common equity to tangible assets ratio of 7.47%, which reflects the impact of the successful closing of the PFC acquisition Sold $775 million of acquired PFC securities and replaced with purchases of $475 million Sold securities were either low coupon or variable rate while purchases were higher coupon fixed rate and used excess proceeds to pay down higher cost borrowings Weighted average yield 2.86% vs. 2.53% last year Weighted average duration 4.6 Total unrealized securities losses (after-tax): Available for Sale (“AFS”) = $198MM Held to Maturity (“HTM”)(2) = $107MM Restructuring of PFC securities portfolio improves average yield Note: securities chart excludes allowance for credit losses for HTM securities; weighted average yields have been calculated on a taxable-equivalent basis using the federal statutory rate of 21%; after-tax unrealized losses have been calculated using the Other Comprehensive Income (“OCI”) tax rate of ~24% Non-GAAP measure – please see reconciliation in appendix HTM losses not recognized in accumulated other comprehensive income Q1 2025 Total Securities

Non-Interest Expense to Total Assets and Efficiency Ratio Reconciliation Note: “non-interest expense to total assets” are annualized by utilizing the actual numbers of days in the quarter versus the year; “efficiency ratio” is non-interest expense excluding restructuring and merger-related expense divided by total income; FTE represents fully taxable equivalent; merger closings: Premier Financial Corporation February 2025; Old Line Bancshares November 2019; Farmers Capital Bank Corporation August 2018; First Sentry Bancshares April 2018; Your Community Bankshares September 2016; ESB Financial February 2015; Fidelity Bancorp November 2012; AmTrust 5 branches March 2009

Pre-Tax, Pre-Provision Income (PTPP) and Ratios Reconciliation

Net Income and Diluted Earnings per Share (EPS) Reconciliation

Tangible Book Value per Share Reconciliation

Return on Average Assets (1) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year Note: Current Expected Credit Losses (“CECL”) accounting standard adopted January 1, 2020 by WSBC; Old Line Bancshares merger closed November 2019 Reconciliation

Return on Average Tangible Equity Reconciliation (1) Amortization of intangibles tax effected at 21% for all prior periods (2) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year Note: Current Expected Credit Losses (“CECL”) accounting standard adopted January 1, 2020 by WSBC; Premier Financial Corporation merger closed November 2019

Return on Average Tangible Common Equity Reconciliation (1) Amortization of intangibles tax effected at 21% for all prior periods (2) Ratios are annualized by utilizing the actual numbers of days in the quarter versus the year Note: Current Expected Credit Losses (“CECL”) accounting standard adopted January 1, 2020 by WSBC; Old Line Bancshares merger closed November 2019