TellerScore

WesBanco Bank, Inc. (FDIC certificate #803) is based in Wheeling, West Virginia. Its Q2 2026 call report shows $27.7B in total assets and $21.8B in deposits and 219 offices across 8 states.

WesBanco Bank, Inc. has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than 58% of its 132 banks with $10 billion – $100 billion. Among 40 banks headquartered in West Virginia, it ranks 28th. Problem-loan coverage contributes the most (92/100, 3.8%); capital cushion contributes the least (52/100, 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.25%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.86%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 88.7% · 32.2% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (59 → 66), mostly because the earnings component improved by 35 points.

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202467
Q1 202564
Q2 202559
Q3 202562
Q4 202564
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%8.50%12.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.97%
Q3 20249.90%
Q4 202410.35%
Q1 202512.00%
Q2 20259.41%
Q3 20259.69%
Q4 20259.92%
Q1 202610.10%
Q2 202610.25%
Noncurrent loans
0.36%0.61%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.41%
Q4 20240.42%
Q1 20250.49%
Q2 20250.56%
Q3 20250.60%
Q4 20250.67%
Q1 20260.84%
Q2 20260.86%
Return on assets
0.03%0.71%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.86%
Q4 20240.95%
Q1 20250.03%
Q2 20250.52%
Q3 20250.81%
Q4 20250.97%
Q1 20261.37%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$27.7B10.25%0.86%1.39%88.7%
Q1 202666$27.4B10.10%0.84%1.37%86.7%
Q4 202564$27.6B9.92%0.67%0.97%87.5%
Q3 202562$27.5B9.69%0.60%0.81%87.1%
Q2 202559$27.5B9.41%0.56%0.52%88.0%
Q1 202564$27.3B12.00%0.49%0.03%87.2%
Q4 202467$18.6B10.35%0.42%0.95%86.7%
Q3 202465$18.5B9.90%0.41%0.86%86.6%
Q2 202466$18.1B9.97%0.36%0.82%89.0%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.25%
52nd
Total risk-based capital13.28%
27th
Problem loans0.86%
36th
Net charge-offs0.09%
58th
Return on assets1.39%
63rd
Net interest margin3.68%
56th
Efficiency ratio50.2%
64th
Loans to deposits88.7%
39th
Uninsured deposits32.2%
66th
Loan-loss reserves1.11%
47th
Texas ratio3.8%
48th

Deposit insurance

Is my money safe at WesBanco Bank, Inc.?

Yes. WesBanco Bank, Inc. is an FDIC-insured institution (FDIC certificate #803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.2% of deposits ($7.0B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.28% (benchmark: 10%).

Check how much of your own balance is covered

219 locations

Branches

WesBanco Bank, Inc. lists 211 offices in 165 cities across 8 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 104 consumer complaints about WESBANCO BANK, INC. to the company (40 in the last 12 months). 92.3% received a timely response. That is 4.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, WesBanco Bank, Inc. reported 9,035 home-loan applications under HMDA (LEI QGPGHQ1ENZOOLJRFTH41): 6,248 originated ($1,693,600,000 total), 1,644 denied, and 866 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
WesBanco Bank, Inc.
Former names
Wheeling Dollar Bank; Wesbanco Bank Wheeling; Wheeling Dollar Savings & Trust Co.
Type
State-chartered bank
FDIC certificate #
803
RSSD ID
645625
Primary regulator
FDIC
Holding company
Wesbanco Inc
Established
January 20, 1870
Headquarters
1 Bank Plz, Wheeling, WV 26003
Employees
2,942

Quick answers

WesBanco Bank, Inc.: common questions

Is WesBanco Bank, Inc. FDIC insured?

Yes. WesBanco Bank, Inc. is an FDIC-insured institution (FDIC certificate #803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is WesBanco Bank, Inc.'s TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has WesBanco Bank, Inc. ever failed?

There is no failure record for FDIC certificate #803 in the FDIC failed bank list.

How many branches does WesBanco Bank, Inc. have?

219 offices as of the latest FDIC data, in 8 states.

Nearby

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