WesBanco's $1.8B Commercial Pipeline Highlights and Dynamics Q1 2026

What WesBanco disclosed for the “$1.8B commercial pipeline” (Q1 2026, quarter-to-date)

From the Q1 2026 earnings transcript, WesBanco stated that its commercial pipeline reached “all-time record levels” of $1.6B at quarter-end and then grew to $1.8B “in the few weeks since quarter end.” ¹

However, the excerpts provided do not include a product-by-product, geography-by-geography, loan-size-bucket, or expected-close-timing breakdown of that specific $1.8B pipeline. The only mix/timing-related commentary that appears is (a) a general guess of CRE vs. C&I mix and (b) deal-close expectations discussed for South Florida and Southeast Florida separately—without mapping those expectations to the full $1.8B pipeline by bucket.

Because you asked for a “quarter-to-date breakdown” of the $1.8B pipeline by those categories, the data in the excerpts supports only partial qualitative breakdowns plus some directional closure timing for Florida teams, not a complete quantitative table.

---

1) Pipeline size and how $1.8B is characterized

• Commercial pipeline increased 35% since year-end to a record $1.6B (quarter-end). ¹
• In “the few weeks since quarter end,” the pipeline grew another $200M to $1.8B. ¹
• Management also framed pipeline strength versus payoffs: “overall pipeline” cited as nearly $2.3B to $2.4B today and payoffs for the quarter estimated at about $100M plus less payoffs than in first quarter. ²

Implication for your request: the $1.8B figure is clearly the later pipeline level (after quarter-end), and the excerpts do not provide the internal sub-breakdowns you requested for that $1.8B level. ¹

---

2) Product breakdown (CRE vs. C&I)

The transcript gives only a qualitative estimate of the mix, explicitly labeled as a guess:

• “Probably 60-40 CRE to C&I” (management’s estimate). ³

What’s missing: the excerpts do not quantify the $1.8B pipeline into $-amounts by CRE vs. C&I, nor do they provide further product categories (e.g., construction vs. stabilized CRE, owner-occupied vs. non-owner-occupied). ³

---

3) Geography breakdown

The excerpts provide some geography-specific pipeline context for Florida expansion teams:

• WesBanco states the Premier/South Florida expansion team built an initial $400M pipeline “just in a few weeks.” ⁴
• Management characterizes plans to open 2 offices in Palm Beach and Broward, plus follow-up branches, and ties those to funding and loan growth in that geography. ⁵
• For an identified Southeast Florida team, management said it expects they would close $300M to $500M in new loans “between now and the end of the year.” ⁶

What’s missing: there is no geography table that totals to $1.8B across all geographies (e.g., Northeast/Ohio/West Virginia/other regions) and no explicit mapping of which portion of the $1.8B pipeline is in each geography besides the Florida expansion-related references. ⁴⁵⁶

---

4) Loan-size buckets

No loan-size bucket detail is provided in the excerpts (no ranges like $0-1M, $1-5M, $5-25M, etc.), and there is no breakdown of the $1.8B pipeline into those buckets. ¹³⁴⁶

---

5) Expected close timing (relative to the quarter-to-date / by period)

The excerpted guidance provides timing expectations for Florida-related new loan closures, but not for the full $1.8B pipeline:

• For the Florida expansion, management expected the Southeast Florida team to close $300M to $500M in new loans “between now and the end of the year.” ⁶
• Separately, in the context of “first deal this month” for a Florida-related effort, management said:
  • they hope “by the end of the quarter… $100 million closed this quarter” (described as “this is a guess”), and
  • hope that “by the end of the year” $300M to $500M could be closed (again linked to the ramp and number of bankers). ²

Management also described timing effects that affect loan growth (not strictly pipeline-to-close timing, but relevant to “expected close” interpretation):

• CRE project payoffs totaled $340M in Q1 and created a 1.4% headwind to year-over-year loan growth; management also cited a $1B CRE payoff headwind during the last 9 months. ¹
• Management said some effects are timing issues and referenced deals sliding from Q1 to Q2. ⁷

What’s missing: there is no pipeline-by-pipeline (or bucket-by-bucket) schedule showing which parts of the $1.8B pipeline are expected to close in Q2 vs. Q3 vs. Q4, nor do they quantify expected pull-through rates across the pipeline in the excerpts provided. The transcript includes a request for “pull-through rates,” but no pipeline pull-through by bucket is included in the excerpt set you provided. ⁸

---

Bottom line: Can we deliver the requested “quarter-to-date breakdown” table?

With the provided excerpts, we cannot produce a complete quarter-to-date quantitative breakdown of the $1.8B commercial pipeline by:

• product (beyond “60-40 CRE to C&I” as an estimate) ³
• geography (beyond Florida expansion references such as $400M initial pipeline and $300M–$500M expected closures) ⁴⁶
• loan-size buckets (not provided)
• expected close timing (only partial timing guidance tied to Southeast Florida / “between now and year-end,” plus a rough “$100M this quarter” guess) ⁶²

---

What can be summarized using only the excerpt-supported facts

Pipeline mix and major geography focus (directional, not a complete $1.8B allocation)

• Estimated product mix: CRE/C&I roughly 60/40. ³
• Florida expansion pipeline: team built an initial $400M pipeline quickly. ⁴
• Florida expected new loan closures (timing): $300M–$500M of new loans expected between now and end of year (for the Southeast Florida team). ⁶
• Quarter-end to “few weeks since quarter end” pipeline: $1.6B → $1.8B. ¹

---

If you want, I can also construct a scenario-based implied allocation (e.g., applying the 60/40 CRE/C&I mix to $1.8B and mapping Florida expectations to portions), but that would go beyond what the excerpts explicitly state and therefore would not meet your requirement for factual support from the filings.