WesBanco reported net income available to common shareholders of $78.2 million for the quarter ended December 31, 2025, representing a 66% increase from $47.1 million in Q4 2024. Diluted earnings per share rose to $0.81 from $0.70 year-over-year, while adjusted EPS, excluding restructuring, merger expenses and day-one credit loss provisions, reached $0.84 compared to $0.71 in the prior-year period, in line with consensus estimates.

Total deposits climbed 53.3% year-over-year to $21.7 billion, driven by $6.9 billion acquired from Premier Financial Corp. (PFC) and $662 million of organic growth, fully funding 5.2% organic loan growth. Total loans rose 51.9% to $19.2 billion, including $5.9 billion from PFC and $657 million of organic originations despite $415 million of commercial real estate payoffs in the quarter.

The net interest margin expanded by 58 basis points year-over-year to 3.61%, reflecting higher earning asset yields and lower funding costs. Net interest income surged 75.7% to $222.3 million, while full-year net interest income grew 70.3% to $814.3 million, driven by accretion from acquired assets, robust loan growth and strategic deposit mix management.

WesBanco’s efficiency ratio improved by over eight percentage points to 51.6% as cost synergies from the PFC integration and disciplined expense control offset a 43.7% rise in non-interest expenses to $144.4 million. The allowance for credit losses stood at 1.14% of total loans, non-performing assets remained in a stable historical range, net charge-offs were just 0.06% of total loans, and assets under management at WesBanco Trust and Investment Services reached a record $7.9 billion.