WesBanco(WSBC) - 2025 Q2 - Earnings Call Presentation

Financial Performance - Net income available to common shareholders was $873 million, or $091 per share, excluding restructuring and merger-related expenses and day 1 provision for credit losses on acquired loans[6, 39] - Net interest margin improved to 359%, up 64 basis points year-over-year and 24 basis points quarter-over-quarter[6, 23] - Return on average tangible equity was 1716%, an increase of 838 basis points compared to the same quarter last year[8] - Efficiency ratio improved to 555%, driven by the benefits of the PFC acquisition and positive operating leverage[7] Loan and Deposit Growth - Total loans increased 536% year-over-year to $188 billion, reflecting $59 billion of loans from PFC and organic growth[6, 10, 11] - Total deposits increased 575% year-over-year to $212 billion, including $69 billion of deposits from PFC and organic growth[13, 15] - Year-over-year organic deposit growth was $850 million, or 63%, fully funding organic loan growth[15] Asset Quality and Capital - Non-performing assets to total assets ratio was 031%[6, 8] - Tangible common equity to tangible assets ratio was 760%[6, 19] - The allowance for credit losses on loans was $2239 million, providing a coverage ratio of 119%[31] Securities Portfolio - Total securities were $439 billion, representing 16% of total assets[17] - The securities portfolio had a weighted average yield of 321%[19]