#1WesBanco By all accounts, better. Investor Presentation (Q1 2019) (WSBC financials as of Q4 2018) John lannone Vice President, Investor Relations 304-905-7021#2#3Key Differentiators ➤ WesBanco [noun] \wes-ban-col- an emerging regional financial services institution, with a community bank at its core, focused on enhancing shareholder value Balanced and Diversified with Unique Long-Term Advantages Distinct and Well-Executed Long-Term Growth Strategies Legacy of Credit Quality, Risk Management, and Shareholder Focus Balanced loan and deposit distribution across footprint. ➤ Diversified earnings streams built for long-term success Strong market positions in economically diverse, major markets with positive demographic trends ▸ ➤ Robust legacy deposit base, enhanced by shale gas royalties ➤ Diversified growth engines with distinct strategies and established lending and wealth management teams Solid fee income generation led by wealth management ➤ Focus on positive operating leverage built upon a culture of expense management Strong legacy of credit quality and regulatory compliance > Six consecutive "outstanding" CRA ratings since 2003 Critical, long-term focus on shareholder return through dividend and earnings growth ➤ History of successful franchise-enhancing acquisitions 2#4#5#6#7Long-Term Growth Strategies W W Diversified Loan Portfolio with C&I and Home Equity Lending Focus Long History of Strong Wealth Management Capabilities Retail Banking Service Strategies & Core Deposit Advantage Franchise- Enhancing Expansion within Contiguous Markets Focus on Delivering Positive Operating Leverage Strong Legacy of Credit Quality, Risk Management, and Compliance 6#8#9#10Franchise Expansion Targeted acquisitions in existing markets and new higher-growth metro areas ➤ Critical, long-term focus on shareholder return ➤ Strong capital and liquidity, along with strong regulatory compliance processes, provides ability to execute transactions quickly ► Diligent efforts to maintain a community bank oriented value- based approach to our markets ➤ History of successful acquisitions that have improved earnings Note: Am Trust was an acquisition of five branches South Bend O 31 Lafayette ville o INDIANAPOLIS INDIANA Bloomington so NASHVILLE FWayneo 65 Louisvillen Contiguous Markets Radius 68 27 TENNESSEE 127 Cincinnatio KENTUCKY Lexingtono Knoxville COLUMBU 52 62 119 OHIO Clevelando Huntin tono Kingsporto 80 Akrono Youngstowno Gantono 79 Pittsburgh WEST VIRGINIA Roanokep 220 PENNSYLVANIA smo Eurlingtono High Peint 422 220 Lynchburgo Ge VIRGINIA Durhamo HARRISBURG Fredencko Fredericksburgo 460 Washingtone RICHMONDO Waldorto Franchise-Enhancing Acquisitions FFKT: announced Apr-18; closed Aug-18 FTSB: announced Nov-17; closed Apr-18 YCB: announced May-16; closed Sep-16 ESB: announced Oct-14; closed Feb-15 Fidelity: announced Jul-12; closed Nov-12 Am Trust: announced Jan-09; closed Mar-09 Oak Hill: announced Jul-07; closed Nov-07 MARYLAND Baltimorea Lenco er o (158 Reacin 17 A Virginia Beach 9#11#12#13#14#15#16#17#18#19#20#21#22#23#24#25#26#27#28#29#30#31#32