WesBanco Bank, Inc.
Wheeling, West Virginia, Ohio County
$27.7B in total assets, the 81st largest of 4,309 US banks and 1st of 41 headquartered in West Virginia.
- FDIC certificate
- 803
- Established
- 1870
- Owned by
- Wesbanco Inc
- Primary regulator
- FDIC
- Website
- www.wesbanco.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $27.7B | 64% | $22.4B | |
| Loans | $19.5B | 64% | $14.4B | |
| Deposits | $21.8B | 61% | $18.0B | |
| Return on assets | 1.37% | 62% | 1.29% | |
| Net interest margin | 3.68% | 54% | 3.61% | |
| Efficiency ratio | 50.2% | 32% | 55.2% | |
| Equity to assets | 15.20% | 92% | 11.57% | |
| Loans to deposits | 90% | 62% | 87% |
Growth
Total assets grew 10.4% a year over the last 5 years and 12.7% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2025 | Premier Bank Youngstown, OH | $8.6B |
| Nov 2019 | Old Line Bank Bowie, MD | $3.1B |
| Aug 2018 | United Bank & Capital Trust Company Frankfort, KY | $1.6B |
| Apr 2018 | First Sentry Bank, Inc. Huntington, WV | $705M |
| Sep 2016 | Your Community Bank New Albany, IN | $1.5B |
| Feb 2015 | ESB Bank Ellwood City, PA | $1.9B |
| Nov 2012 | Fidelity Savings Bank Pittsburgh, PA | $643M |
| Apr 2008 | Oak Hill Banks Jackson, OH, an affiliate under the same holding company | $1.3B |
| Jan 2005 | The Winton Savings and Loan Company Cincinnati, OH | $549M |
| Sep 2004 | Cornerstone Bank Springfield, OH | $411M |
| Mar 2002 | Wheeling National Bank St. Clairsville, OH | $688M |
| Jan 2000 | Wesbanco Bank Parkersburg Parkersburg, WV, an affiliate under the same holding company | $415M |
| Jan 2000 | Wesbanco Bank Charleston Charleston, WV, an affiliate under the same holding company | $145M |
| Jan 2000 | Wesbanco Bank Fairmont, Inc. Fairmont, WV, an affiliate under the same holding company | $584M |
| Jul 1998 | Wesbanco Bank Barnesville Barnesville, OH, an affiliate under the same holding company | $163M |
| Apr 1998 | The Bank of Paden City Paden City, WV | $35M |
| Apr 1998 | The Bank of McMechen Mcmechen, WV | $30M |
| Aug 1996 | Bank of Weirton Weirton, WV | $179M |
| Feb 1995 | Wesbanco Bank Elm Grove, Inc. Wheeling, WV, an affiliate under the same holding company | $153M |
| Apr 1994 | Wesbanco Bank Wellsburg, Inc. Wellsburg, WV, an affiliate under the same holding company | $55M |
| Sep 1993 | Wesbanco Bank Sistersville Sistersville, WV, an affiliate under the same holding company | $23M |
| Sep 1993 | Wesbanco Bank New Martinsville New Martinsville, WV, an affiliate under the same holding company | $36M |
| Feb 1992 | Bank of Follansbee Follansbee, WV | $17M |
| Jul 1985 | Citizens National Bank of Follansbee Follansbee, WV, an affiliate under the same holding company | $19M |
Where they operate
217 branches in 91 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Ohio County, WV | $1.1B | 48.5% | 1 of 7 |
| Mahoning County, OH | $1.1B | 15.8% | 3 of 10 |
| Franklin County, OH | $812M | 0.8% | 11 of 34 |
| Prince George's County, MD | $740M | 5.1% | 6 of 16 |
| Allegheny County, PA | $678M | 0.4% | 14 of 31 |
| Belmont County, OH | $669M | 28.7% | 1 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 73 branches since 2016 (144 to 217, +50.7%). 3 opened, 178 acquired, 108 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 144 | |||
| 2016 | Acquired Your Community BankClosed Jackson and Zelienople | 33 | 2 | +31 | 175 |
| 2017 | Closed Radcliff | 0 | 1 | −1 | 174 |
| 2018 | Acquired United Bank & Capital Trust Company and First Sentry Bank, Inc.Opened Georgetown, closed 3 in 2 states | 37 | 3 | +34 | 208 |
| 2019 | Acquired Old Line BankClosed 8 in 2 states | 37 | 8 | +29 | 237 |
| 2020 | Closed 3 in 2 states | 0 | 3 | −3 | 234 |
| 2021 | Closed 27 in 6 states | 0 | 27 | −27 | 207 |
| 2022 | Opened CharlestonClosed 13 in 5 states | 1 | 13 | −12 | 195 |
| 2023 | Closed Elkridge and Pittsburgh | 0 | 2 | −2 | 193 |
| 2024 | Closed 11 in 5 states | 0 | 11 | −11 | 182 |
| 2025 | Acquired Premier BankClosed Columbus | 72 | 1 | +71 | 253 |
| 2026 through Q2 | Opened ChattanoogaClosed 37 in 6 states | 1 | 37 | −36 | 217 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 25% | |
| 1-4 family residential | 28% | 21% | |
| Business (C&I) | 13% | 17% | |
| Multifamily | 9% | 8% | |
| Construction and land | 9% | 6% | |
| Consumer | 1% | 10% | |
| Other | 3% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 63% | 62% | |
| Noninterest-bearing | 25% | 20% | |
| Time deposits | 12% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.84% | 0.63% |
| Net charge-offs, annualized | 0.09% | 0.14% |
| Reserves to loans | 1.11% | 1.15% |
| Leverage ratio | 10.25% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in West Virginia
Largest competitors in Ohio County, WV
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/wesbanco