WesBanco Bank, Inc.


One Bank Plaza
Wheeling, WV 26003
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.55% →
1-Year CD 0.20% 1.35% →
2-Year CD 0.40% 1.45% →
5-Year CD 0.75% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

WesBanco Bank, Inc. is an FDIC insured institution located in Wheeling, WV. It was founded in 1870 and has approximately $15.67 billion in assets. Customers can open an account at one of its 180 branches.

FDIC Insured Yes
FDIC Certificate # 803
Date Established 1870
Assets $ 15.67 billion
Loans $ 10.26 billion
Deposits $ 11.00 billion
Capital $ 2.57 billion

For a more detailed analysis of WesBanco Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 5, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.01% $300 - Learn More
0.05% $300 - Learn More
Money Market
0.10% $1,000 - Learn More
3 Mo CD
0.05% $1,000 - Learn More
6 Mo CD
0.10% $1,000 - Learn More
12 Mo CD
0.20% $1,000 - Learn More
18 Mo CD
0.35% $1,000 - Learn More
24 Mo CD
0.40% $1,000 - Learn More
30 Mo CD
0.45% $1,000 - Learn More
30 Mo CD
0.40% $1,000 - Learn More
36 Mo CD
0.50% $1,000 - Learn More
48 Mo CD
0.65% $1,000 - Learn More
60 Mo CD
0.75% $1,000 - Learn More

Fixed IRA
0.20% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less
Int Ckg
0.01% $1,000 - Learn MoreShow Less

Loan Rates - June 5, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WesBanco Bank, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Note to WesBanco Bank, Inc.
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Financial Details

WesBanco Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of WesBanco Bank, Inc.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
WesBanco Bank, Inc. U.S. Bank Average
2.31% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, WesBanco Bank, Inc. had $56,563,000 in non-current loans and $4,062,000 in owned real estate. To cover these potential losses it had $2,572,916,000 in equity and $52,429,000 in loans loss reserves. That gives it a Texas Ratio of 2.31%.

Return on Equity
WesBanco Bank, Inc. U.S. Bank Average
7.85% 9.41%

WesBanco Bank, Inc. has a Return on Equity of 7.85% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

WesBanco Bank, Inc. U.S. Bank Average
16.41% 12.82%

WesBanco Bank, Inc. has a Capitalization of 16.41% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

WesBanco Bank, Inc. Balance Sheet Analysis

As of December 31, 2019, WesBanco Bank, Inc. had assets of $15,674,361,000, loans of $10,263,543,000, and deposits of $11,004,291,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 227.00 million
Interest-bearing balances $ 33.01 million
Total securities $ 3.25 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 10.26 billion
Loan loss allowance $ 52.43 million
Trading account assets $ 8.89 million
Bank premises and fixed assets N.A.
Other real estate owned $ 4.06 million
Goodwill and other intangibles $ 1,149.29 million
All other assets $ 514.85 million
     Total Assets $ 13.10 billion
Total deposits $ 11.00 billion
      Interest-bearing deposits $ 7.83 billion
      Deposits held in domestic offices $ 11.00 billion
      % insured (estimated) 80.08%
Federal funds purchased and repurchase agreements $ 453.41 million
Trading liabilities N.A.
Other borrowed funds $ 1,478.07 million
Subordinated debt $ 25.21 million
All other liabilities $ 140.47 million
      Total Liabilities $ 13.10 billion
      Shareholders’ Equity $ 2.57 billion

Summary Income Statement

December 31, 2019
Total Interest Income $ 484.84 million
Total Interest Expense $ 78.10 million
Net interest income $ 406.74 million
Provision for loan and lease losses $ 11.07 million
Total non interest income $ 105.09 million
Total non interest expense $ 297.49 million
Pre-tax Net Operating Income $ 203.27 million

Bank Loan Profile?

The top three loan types in WesBanco Bank, Inc.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in West Virginia, WesBanco Bank, Inc. has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.74
Credit Card Loans 0.00
Consumer Auto Loans 2.28
Small Business Loans 7.74
Construction and Development Loans 7.72
Commercial Real Estate 38.28
Commercial and Industrial Loans 12.67
Farm Loans 0.04

Frequently Asked Questions About Wesbanco Bank, Inc.

Branches and Savings

Is Wesbanco Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #803.

Why does Wesbanco Bank, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Wesbanco Bank, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Wesbanco Bank, Inc. a commercial bank?


Where are Wesbanco Bank, Inc. locations?

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Is Wesbanco Bank, Inc. open on Saturdays?

Is Wesbanco Bank, Inc. open on Sundays?

What time does Wesbanco Bank, Inc. open?

What time does Wesbanco Bank, Inc. close?

Are Wesbanco Bank, Inc. ATMs Open 24/7?

Do Wesbanco Bank, Inc. ATMs accept cash deposits?

Can Wesbanco Bank, Inc. customers use other ATMs?

Do Wesbanco Bank, Inc. branches have notaries?

Will Wesbanco Bank, Inc. notarize my document?

What address for Wesbanco Bank, Inc. should I put for incoming ACH transfers?

Will the Wesbanco Bank, Inc. branch print checks?

Do Wesbanco Bank, Inc. checks expire?

Does Wesbanco Bank, Inc. require US citizenship to open account?

Can Wesbanco Bank, Inc. close my account?

Does Wesbanco Bank, Inc. Report to credit bureaus?

Does Wesbanco Bank, Inc. Use Equifax?

What is Wesbanco Bank, Inc.'s ACH Routing Number?

What is Wesbanco Bank, Inc.'s SWIFT code?


Does Wesbanco Bank, Inc. offer mortgages?

Compare mortgage rates here.

Does Wesbanco Bank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wesbanco Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Wesbanco Bank, Inc. offer student loans?

Will Wesbanco Bank, Inc. cash a check?

Will Wesbanco Bank, Inc. redeem a savings bond?

Does Wesbanco Bank, Inc. cash savings bonds?

Will Wesbanco Bank, Inc. cash money orders?

Can Wesbanco Bank, Inc. issue a money order?

Does Wesbanco Bank, Inc. do currency exchange?

Background on The Bank

Who owns Wesbanco Bank, Inc.?

How long has Wesbanco Bank, Inc. been around?

Can Wesbanco Bank, Inc. transfer to other banks?

Does Wesbanco Bank, Inc. have quick pay?

Does Wesbanco Bank, Inc. accept rolled coins?

Will Wesbanco Bank, Inc. accept loose change?

Where is Wesbanco Bank, Inc. headquarters?

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