WesBanco 2026 Q1 Commercial Pipeline Breakdown and Outlook

Quarter-to-date (QTD) breakdown of the $1.8B commercial pipeline (WSBC, 2026 Q1)

What we know from the filings (and what we don’t)

From the company’s 2026 Q1 earnings materials, we can confirm only the total pipeline size and some high-level composition / timing expectations—but the excerpts provided do not disclose a full QTD “by product, geography, loan-size buckets, and expected close timing” decomposition of the full $1.8B. Specifically:

• The company states the commercial pipeline was $1.6B at quarter-end and grew to $1.8B in the few weeks since quarter end. ¹
• Management provides only an approximate product mix for the pipeline (their “guess”): ~60% CRE / 40% C&I. ²
• The excerpts provide limited geography detail via the South Florida expansion team’s initial $400M pipeline and expectations for closing $300M–$500M (Southeast Florida) between “now” and end of year—but this is not stated as a QTD slice of the entire $1.8B, nor is there a complete breakdown of all geographies comprising the full pipeline. ³⁴¹
• The excerpts do not provide loan-size buckets (e.g., < $1M, $1–5M, etc.) for the $1.8B pipeline.
• The excerpts do not provide a timing waterfall (e.g., “$X closes in next 30/60/90 days” by product/geography/size). They do provide some qualitative / directional timing and example closure ranges for the Southeast Florida team and other quarter payoff commentary, but not a comprehensive timing breakdown for the $1.8B pipeline itself. ⁴⁵¹

Because of these gaps, below is the maximum defensible QTD-oriented breakdown supported by the excerpts, plus a clear statement of what cannot be derived from the provided text.

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1) Total pipeline (QTD / near-term)

• Commercial pipeline: $1.8B “in the few weeks since quarter end.” ¹
• Company also states the pipeline was $1.6B at quarter-end and increased $200M after quarter end. ¹

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2) By product (supported approximation, not a QTD quantified table)

Management’s stated estimate for pipeline product mix:

• ~60% CRE / 40% C&I (described as a “guess”). ²

Using the $1.8B total pipeline figure purely to translate the stated mix into implied dollars (this is not an explicitly disclosed dollar breakdown—just a derived mapping from the disclosed percentages):

• CRE (implied): ~$1.08B (60% of $1.8B). ²¹
• C&I (implied): ~$0.72B (40% of $1.8B). ²¹

Important limitation: The filing does not confirm these implied dollar amounts; it only provides a directional mix estimate and the total pipeline size. ²¹

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3) By geography (only partial disclosure: South Florida / Southeast Florida)

The excerpts provide a meaningful geography datapoint for a specific team/region, but not a complete map of the rest of the pipeline by geography.

South Florida / Southeast Florida

• South Florida expansion team has built an initial $400M pipeline “just in a few weeks.” ⁶
• Management expects Southeast Florida team to close $300M–$500M in new loans “between now and the end of the year,” and “it could be higher than that based on some deals we’re looking at.” ⁴
• The company also mentions opening 2 offices (Palm Beach and Broward) and following up with 2 branches with hope of opening by the end of the year. ³
• Management states the pipeline “does not yet reflect the benefit of our recently announced South Florida expansion” even though the South Florida team has already built an initial pipeline of about $400M. ⁶³

Other geography

• The excerpts do not provide the remaining geography breakdown (e.g., other states/regions) as a quantified share of the overall $1.8B pipeline. ¹

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4) By loan-size buckets

• The provided excerpts do not disclose any loan-size bucketing for the $1.8B commercial pipeline. ¹

Therefore, a compliant quarter-to-date bucketed table (e.g., “< $1M / $1–5M / $5–25M / > $25M”) cannot be produced from the excerpts.

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5) Expected close timing (what’s stated vs. what’s missing)

The excerpts include several timing concepts, but not a full “expected close timing” distribution for the entire $1.8B pipeline by product/geography.

Pipeline close expectations (Southeast Florida team)

• Southeast Florida team expected to close $300M–$500M between now and end of year. ⁴
• Management indicates closing will ramp and by third quarter they expect a “very good feel” on how that team is progressing. ⁴

Timing and pipeline/payoff mechanics around the quarter

• The company describes payoffs as driving loan growth headwinds and notes the pipeline increased while payoffs reduced reported growth. ¹
• They state they “see this current quarter less payoffs in the first quarter of over $100 million” and describe some timing-related deal movement between quarters. ⁵
• CRE payoffs totaled $340M during the first quarter and created a 1.4% headwind to year-over-year loan growth; management also says CRE payoff headwind of $1B during the last 9 months. ¹
• They project CRE payoffs total $700M–$900M for the year, with second quarter “slightly elevated” versus first quarter and then returning to a more normal historical level during the back half. ⁷

What’s missing for a QTD timing “breakdown”

To produce the requested quarter-to-date timing breakdown (e.g., “$X expected to close in remaining Q1 / Q2 / Q3 / Q4”), the excerpts do not provide a pipeline aging schedule or a quantified close ladder for the entire $1.8B. ¹⁴

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Bottom line: what can be provided vs. what cannot

Can be supported from the excerpts (and translated where appropriate)

• Total pipeline (QTD near-term): $1.8B. ¹
• Product mix: ~60% CRE / 40% C&I (directional estimate). ²
• Geography (partial): South Florida/Southeast Florida team has an initial $400M pipeline and management expects $300M–$500M of new loan closes between now and end of year from that Southeast Florida effort. ⁶⁴³
• Timing (partial): “Between now and end of year” close range and ramp visibility by third quarter for Southeast Florida. ⁴

Cannot be derived from the excerpts provided

• A complete QTD breakdown of the entire $1.8B by:
  • product in exact dollars by QTD timing (only mix % is given). ²¹
  • geography fully across all regions (only South Florida/Southeast Florida specifics are given). ⁶⁴
  • loan-size buckets (none provided). ¹
  • expected close timing as a quantified schedule for the full $1.8B (only partial guidance exists). ⁴¹

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Summary table (only supported components; remaining fields marked “not disclosed”)

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This is the most complete quarter-to-date pipeline breakdown that can be produced strictly from the provided official excerpts; the remaining requested dimensions (loan-size buckets and a full timing schedule across the entire $1.8B by product/geography) are not present in the text supplied.