韦斯银行 2026年季度报告

FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 For the quarterly period ended June 30, 2026 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 For the transition period fromto Commission File Number 001-39442 WESBANCO, INC.(Exact name of Registrant as specified in its charter) 55-0571723(IRS Employer Identification No.) 26003(Zip Code) 1 Bank Plaza, Wheeling, WV(Address of principal executive offices) Registrant's telephone number, including area code:304-234-9000 NOT APPLICABLE(Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject tosuch filing requirements for the past 90 days.Yes☑No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was requiredto submit such files).Yes☑No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company,or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerginggrowth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☑Non-accelerated filer☐ Accelerated filerSmaller reporting companyEmerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying withany new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act).Yes☐No☑ As of July 23, 2026, there were 95,905,889 shares of Wesbanco, Inc. common stock, $2.0833 par value, outstanding. WESBANCO, INC.TABLE OF CONTENTS PART I - FINANCIAL INFORMATION 1Financial Statements2Consolidated Balance Sheets at June 30, 2026 (unaudited) and December 31, 20252Consolidated Statements of Income for the three and six months ended June 30, 2026 and 2025 (unaudited)3Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2026 and 2025 (unaudited)4Consolidated Statements of Changes in Shareholders' Equity for the three and six months ended June 30, 2026 and 2025(unaudited)5Consolidated Condensed Statements of Cash Flows for the six months ended June 30, 2026 and 2025 (unaudited)7Notes to Consolidated Financial Statements (unaudited)82Management’s Discussion and Analysis of Financial Condition and Results of Operations423Quantitative and Qualitative Disclosures About Market Risk584Controls and Procedures60PART II – OTHER INFORMATION1Legal Proceedings612Unregistered Sales of Equity Securities and Use of Proceeds615Other Information616Exhibits62Signatures63 PART I - FINANCIAL INFORMATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation —The accompanying unaudited interim financial statements of Wesbanco, Inc. and its consolidated subsidiaries(“Wesbanco” or the "Company") have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interimfinancial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the informationand footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K forthe year ended December 31, 2025. Wesbanco’s interim financial statements have been prepared following the significant accounting policies disclosed in Note 1 of the Notes tothe Consolidated Financial Statements of its 2025 Annual Report on Form 10-K filed with the Securities and Exchange Commission ("SEC"), aswell as with the policy changes indicated below. In the opinion of management, the accompanying interim financial information reflects alladjustments, including normal recurring adjustments, necessary to present fairly Wesbanco’s financial position and results of operations for eachof the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may beexpected for a full year. Recent accounting pronouncements—The Financial Accounting Standards Board (“FASB”) issued Accounting Standards Updates(“ASU”) as noted below. ASU 2025‑12 — Codification Improvements In D