FDIC Cert #803 · Wheeling, West Virginia · Est. 1870

WesBanco Bank, Inc. - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$27.6B
Total assets
A
Health grade · Excellent
0.91%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

WesBanco Bank, Inc. earns a PlainBankData health grade of A (81/100), with well-capitalized at 12.06% Tier 1, 0.91% ROA, efficient (58% cost ratio).

#77
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
12.06%
Tier 1 ratio - above the 10% well-capitalized line
36th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 803 · WV A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1847/4307
  • PHOTO-FINISH The Colorado Bank an… · CO
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-PAR 0.91% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: The Colorado Bank and Trust Company of La Junta, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around WesBanco Bank, Inc.

Lowest and highest poles plus nearest scored peers outside West Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100High Plains Bank · OK · near81/100Seacoast National Bank · FL …81/100The Colorado Bank an… · CO ·…81/100United Cumberland Bank · KY …81/100WesBanco Bank, Inc. · WV · t…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around WesBanco Bank, Inc. · July 2026

Plate reading for WesBanco Bank, Inc. where failures stay rare

WesBanco Bank, Inc. (FDIC Cert #803) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,847 of 4,307. Tier 1 capital prints at 12.06%, clearing the 10% well-capitalized line. The Texas Ratio is 2.95%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.91%. Balance-sheet scale is $27.6B, 77th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Colorado Bank and Trust Company of La Junta (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around WesBanco Bank, Inc.

Only 2 FAILURE resolutions in West Virginia since 2000

WesBanco Bank, Inc. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE FIRST STATE BANK BARBOURSVILLE, WV 2020 → MVB BANK, INC
  • AMERIBANK, INC. NORTHFORK, WV 2008 → THE CITIZENS SAVINGS BANK
  • FIRST NB OF KEYSTONE KEYSTONE, WV 1999 → AMERIBANK, INCORPORATED

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and West Virginia banks.

How WesBanco Bank, Inc.'s 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
WesBanco Bank, Inc.'s composite health score
Tier 1 Capital Ratio (12.06%) 35/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (2.95%) 20/20
Efficiency Ratio (57.60%) 12/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$27.6B

Total balance-sheet footings

Total Deposits

$21.8B

Customer-funded liabilities

Net Loans

$19.1B

Outstanding loan book

Net Income

$250M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.66% 12.06% 13.46%
Basel III capital ratios - WesBanco Bank, Inc.

Where WesBanco Bank, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. WesBanco Bank, Inc.'s score of 81/100 falls in the highlighted band.

WesBanco Bank, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. WesBanco Bank, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

WesBanco Bank, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). WesBanco Bank, Inc.'s $27.6B falls in the highlighted band.

Safety metrics: WesBanco Bank, Inc.

Tier 1 capital ratio
Well-capitalized 10%

12.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.06%
Texas Ratio
2.95%
Equity Capital
$4.2B

What these ratios mean →

Profitability metrics: WesBanco Bank, Inc.

Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
6.24%
Efficiency Ratio
57.60%

What these mean →

Income & expense at WesBanco Bank, Inc.

$1.3B
Interest Income
$153M
Non-Interest Income
$598M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. WesBanco Bank, Inc. reports a Texas Ratio of 2.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View WesBanco Bank, Inc. on FDIC BankFind →

Top banks in West Virginia by total assets

Largest banks headquartered in West Virginia
  1. 1
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  2. 2
    City National Bank of West Virginia $6.7B

    Charleston, WV · Grade A

  3. 3
    MVB Bank, Inc $3.3B

    Fairmont, WV · Grade B

  4. 4
    Clear Mountain Bank $985M

    Bruceton Mills, WV · Grade A

  5. 5
    Potomac Bank $943M

    Charles Town, WV · Grade A

Top 5 banks in West Virginia ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to WesBanco Bank, Inc. by assets

WesBanco Bank, Inc. is closely matched in total assets by Arvest Bank, Ameris Bank, United Community Bank, WaFd Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.16%, versus WesBanco Bank, Inc.'s own 0.91%; the average efficiency ratio is 54.95%, versus 57.60% here; and average Tier 1 capital sits at 12.69%, versus 12.06% at WesBanco Bank, Inc.. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $27.6B in assets, WesBanco Bank, Inc. has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to WesBanco Bank, Inc. nationally by total assets
  1. 1
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  2. 2
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  3. 3
    United Community Bank $27.9B

    Greenville, SC · Grade A

  4. 4
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  5. 5
    Axos Bank $27.2B

    San Diego, CA · Grade A

  6. 6
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
WesBanco Bank, Inc. (this bank) WV $27.6B 0.91% 57.60% 12.06%
Arvest Bank AR $27.8B 0.49% 83.77% 11.41%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
United Community Bank SC $27.9B 1.19% 53.77% 12.34%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
City National Bank of Florida FL $28.0B 0.96% 48.16% 14.38%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.6B here), outside West Virginia so the neighborhood is not state containment.

Arvest Bank $27.8B · AR Ameris Bank $27.4B · GA United Community Bank $27.9B · SC WaFd Bank $27.3B · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) WesBanco Bank, Inc. (FDIC Cert #803) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

WesBanco Bank, Inc. Call Report profile · FDIC Failed Bank List · West Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in West Virginia

All West Virginia banks →
BankAssetsGradeROA
City National Bank of West VirginiaCharleston $6.7B A 2.01%
MVB Bank, IncFairmont $3.3B B 1.46%
Clear Mountain BankBruceton Mills $985M A 1.28%
Potomac BankCharles Town $943M A 1.04%
Pendleton Community Bank, Inc.Franklin $814M B 1.01%
CNB Bank, Inc.Berkeley Springs $786M B 0.78%
Citizens Bank of West Virginia, Inc.Elkins $705M A 1.59%
Putnam County BankHurricane $651M B 0.88%