← Back to Institutions
WesBanco Bank, Inc.
Wheeling, WV·FDIC Cert #803·Charter: STATE·Est. 18700120.0·HC: WESBANCO INC
Total Assets
$27.6B
Q4 2025
Return on Assets
0.97%
+0.16%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.60%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.97%+0.16
ROE
6.58%+1.08
Efficiency
57.60%-2.60
Equity/Assets
0.00%+0.00
NPL Ratio
0.68%+0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.48%+0.37
Charge-offs
0.10%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.9 | 0.9 | 0.0 | 0.5 | 0.8 | 1.0 |
| ROE | 6.3 | 5.7 | 6.0 | 6.5 | 0.2 | 3.5 | 5.5 | 6.6 |
| Efficiency | 62.1 | 63.2 | 62.6 | 61.1 | 61.3 | 63.7 | 60.2 | 57.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.4 | 0.4 | 0.4 | 0.5 | 0.6 | 0.6 | 0.7 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 85.6 | 89.0 | 86.6 | 86.7 | 87.2 | 88.0 | 87.1 | 87.5 |
Balance Sheet
Total Assets$27.6B
Total Deposits$21.8B
Total Loans$19.1B
Total Equity$4.2B
Profitability
ROA0.97%
ROE6.58%
Efficiency Ratio57.60%
Net Income$249.7M
Risk & Asset Quality
NPL Ratio0.68%
Charge-off Rate0.10%
Loan/Deposit87.48%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans