HIGHBuilt-inLoan_portfolio
57%
commercial real estate loans
“10-K Item 1A: 'approximately 20% of Wesbanco's loan portfolio was comprised of residential real estate loans, and 57% was comprised of commercial real estate loans'”
WSBC · Concentration risk · 10-K extracted
WesBanco (WSBC) concentration risks
Updated
The most significant concentration WesBanco discloses is commercial real estate loans at 57%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: WesBanco’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
West Virginia, Ohio, Pennsylvania CRE loans
“10-K Item 1A: 'The Company's CRE loan portfolio is concentrated predominantly in West Virginia, Ohio, Pennsylvania, Kentucky, Indiana, Maryland, northern Virginia, southern Michigan and Tennessee'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile is dominated by a high-share loan portfolio tilt toward commercial real estate. Approximately 57% of the loan portfolio was comprised of commercial real estate loans as of the filing — a large, high-share structural concentration by disclosed size. This is the defining risk in the disclosed profile. The character is structural: the bank has deliberately positioned its lending book around commercial real estate, so the tilt reflects the institution's underwriting strategy rather than accidental accumulation. The consequence is that the bank's credit quality is closely tied to commercial real estate fundamentals — property valuations, vacancy rates, refinancing conditions, and the financial health of property owners and developers. The geographic footprint of the commercial real estate portfolio is moderately concentrated in several Mid-Atlantic and Midwestern states — a medium-share structural exposure by disclosed size — which means macro shocks specific to those regional economies could affect asset quality across the CRE book more broadly than a nationally distributed portfolio would experience. The combination of a high-share CRE loan portfolio and regional geographic concentration creates a compounding structure: a commercial real estate downturn in the core operating states would simultaneously stress the dominant asset class and the geographic anchor of the portfolio. Monitoring commercial real estate fundamentals, office and retail vacancy trends, and regional economic conditions is therefore the primary analytical exercise for assessing credit risk in this institution.
For the engine’s reasoning on WSBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| WSBC● | WesBanco, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.