John IannoneVice President, Investor Relations304-905-7021 Investor Presentation (Q4 2016)(financials as of Q3 2016)

Forward-looking statements in this report relating to WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in conjunction with WesBanco’s 2015 Annual Report on Form 10-K and documents subsequently filed by WesBanco with the Securities and Exchange Commission (“SEC”), including WesBanco’s Form 10-Q for the quarters ended March 31, June 30, and September 30, 2016 which are available at the SEC’s website, www.sec.gov or at WesBanco’s website, www.wesbanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in WesBanco’s most recent Annual Report on Form 10-K filed with the SEC under “Risk Factors” in Part I, Item 1A. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including, without limitation, that the businesses of WesBanco and Your Community Bankshares, Inc. (“YCB”) may not be integrated successfully or such integration may take longer to accomplish than expected; the expected cost savings and any revenue synergies from the merger of WesBanco and YCB may not be fully realized within the expected timeframes; disruption from the merger of WesBanco and YCB may make it more difficult to maintain relationships with clients, associates, or suppliers; the effects of changing regional and national economic conditions; changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the SEC, the Financial Institution Regulatory Authority, the Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state courts; fraud, scams and schemes of third parties; internet hacking; competitive conditions in the financial services industry; rapidly changing technology affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially impacting WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements. Forward-Looking Statements *

* Who and Where We Are Founded in 1870Headquartered in Wheeling, WV$9.8 billion in assets174 financial centersStrong credit quality and regulatory complianceTop market shareTop 10: Columbus, Elizabethtown, Louisville, Pittsburgh, West VirginiaTop 15: DaytonTop 20: CincinnatiDiversified revenue generationTrust servicesSecurities brokerageWealth managementInvestment managementInsurance Top Market Share Balanced Market Distribution Note: asset, location, loan, & deposit data as of 9/30/2016; market share based on 2016 MSA deposit rankings (source: S&P Global) (approximated on map by circles) (Pittsburgh MSA excludes BNY Mellon; Columbus MSA excludes Wells Fargo branch & Nationwide Insurance Financial Services)

Executive Position Years inBanking Years atWSBC James Gardill Chairman of the Board 44* 44 Todd Clossin President & Chief Executive Officer 32 3 Robert Young EVP & Chief Financial Officer 30 15 Ivan Burdine EVP & Chief Credit Officer 36 3 Jonathan Dargusch EVP – Wealth Management 35 6 Jay Zatta EVP – Chief Lending Officer 30 8 Lynn Asensio EVP – Retail Administration 38 11 Michael Perkins EVP – Chief Risk & Admin Officer 21 21 Experienced and Stable Management Team * as legal counsel to WesBancoNote: all key operating executives listed have large firm experience *

* Key Differentiators Emerging financial services company with a community bank at its coreDiversified revenue growth engines with a critical focus on credit qualityWell-balanced loan and deposit distribution across footprintRobust legacy market share combined with six major metropolitan marketsTop ten market share in the Columbus, Louisville, and Pittsburgh MSAsStrong legacy of credit and risk managementSolid, and growing, non-interest income generation$3.7B of assets under management through our 100-year old trust business$0.9B AUM through our proprietary mutual funds, the WesMark FundsFocus on customer service to ensure a relationship that meets all customer needs efficiently and effectivelyStrong expense management culture with a year-to-date efficiency ratio of 56.1%, despite having sizable fee-based businesses Note: market share based on 2016 MSA deposit rankings (source: S&P Global); financial data as of quarter ending 9/30/2016; please see the efficiency ratio reconciliation in the appendix Well-positioned for continued, high-quality growth

* Diversified Growth Strategies Diversified loan portfolio with a focus on Commercial and Industrial (C&I)Increased productivity from and enhancements to the commercial lending teamLong history of strong wealth management capabilitiesProprietary mutual funds, and a century of trust experienceEstablished wealth management, insurance, and private banking services are keys to fee income strategyTraditional retail banking services strategiesFocus on customer service and convenienceCustomer need-based product delivery through our various channelsStrong culture of expense management Focus on delivering positive operating leverage while making necessary growth-oriented investmentsEmphasis on technology implementation to streamline and improve processesFranchise expansion in contiguous marketsTargeted acquisitions within a reasonable geographic hub of our headquarters

* Diversified Loan Portfolio Alignment of resources to higher revenue opportunity marketsFocus on expanding Commercial and Industrial (C&I) business with dedicated C&I and Business Banking teams in all major metropolitan markets while retaining our traditional CRE/LCD expertiseSecurities portfolio provides flexibility to manage balance sheet while supporting loan growth over the next couple of years Loan Composition as of 9/30/2016 Total Loans = $6.2B Loan Composition as of 9/30/2011 Total Loans = $3.2B

* Diversified Loan Portfolio – Energy Exposure In general, efforts related to the shale oil and gas industry are centered on deposit and wealth management growth as opposed to loan growthMinimal loan exposure to the oil, gas, and coal industryDirect exposure is less than 1% of $6.2B total loan portfolioIndirect exposure is an additional approximate 1% of the total loan portfolioReview of loans to the oil, gas, and coal industry did not identify any material portfolio weakness on an aggregate basisWhile reduced oil and natural gas prices led to a slowdown in new well drilling during 2014-2015, investments continue to be made in our regions as pipeline construction continues and plans for multi-billion-dollar ethane cracker plants near Pittsburgh and Wheeling were recently confirmedRecent drilling and royalty activity has increased as price of oil and natural gas have increased and pipelines came on-line Note: loan and asset data as of 9/30/16

* Strong Wealth Management Capabilities Trust, securities brokerage, private banking, and insurance consolidated under one executive management team$3.7B of trust and mutual fund assets under management$335MM in private banking loans and depositsMore than 5,000 trust and 1,200 private banking relationshipsGrowth opportunities from shale-related private wealth managementRobust product capabilities:Trust and investment management, and securities investment salesPrivate client services in all key marketsFinancial, retirement, and estate planningInsurance (personal, commercial, title, health) CAGR4% Note: assets and clients as of 9/30/16; WesMark Funds net assets as of 9/30/16 Net Assets GrowthGov’t BondWV Muni BondBalancedSm. Co. Growth ($MM)$ 320$ 257$ 122$ 104$ 95 Trust Assets (Market Value as of 12/31) ($B)

* Well-Positioned in Growing Wealth Markets ~80% of deposits and trust assets located in Marcellus/Utica shale regions `` Note: assets and location data as of 9/30/2016; household income data as of 2016 (source: S&P Global, Nielsen) Median Household Income (2016) ($) Shale Formations Marcellus Utica Pittsburgh Lexington

* Retail Banking Strategies Efficient financial center network with effective staff management and technology utilization supported by centralized, low-cost back office functionsFull suite of treasury management products, including international services, foreign exchange, and enhanced wire and lockbox capabilitiesTransitioning financial center personnel from transaction-based to need-based sales activityFull integration of CRM system to track relationships and referralsCenters in key markets have bankers licensed to offer investment productsMajority of center managers have completed or are enrolled in our Business Banking Academy program Growth in demand deposits, business banking loans, and e-banking feesContinuous reviews for financial center optimizationTechnology deployments and an omni-channel distribution modelSince 2012, closed ten offices, downsized five, and opened three new offices in more attractive markets Note: location data as of 9/30/2016

* Strong Culture of Expense Management Scalable technology infrastructure supports both organic and acquisition-related growth without significant additional investmentIntroduced software and cost control tools to enhance overall combined purchasing efforts and to better manage travel expensesReview of all major bank operations and information technology contractsUtilize technology to reduce travel cost and enhance communicationCommunication infrastructure modernization has reduced communication costs more than 40% since 2013Upgrade of phone systems and increased utilization of video conferencingElimination of all personal computers with installation of “thin-client” technology Note: financial data as of 9/30/2016; please see the efficiency ratio reconciliation in the appendix; peer average efficiency ratio represents a simple average of WSBC’s peer group (sources as of 11/9/16: S&P Global, company reports); peer group includes SRCE, CHFC, CBU, EGBN, FNB, FCF, FFBC, FRME, NBTB, ONB, PRK, PNFP, STBA, TMP, TOWN, UBSH, UBSI Efficiency Ratio

* Franchise Expansion Focus on targeted acquisitions in existing markets and new higher-growth metro areasHistory of successful acquisitions that have improved earningsAdequate 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 marketsCritical, long-term focus on shareholder return Contiguous Markets Radius Recent Acquisitions YCB: announced May-16; closed Sep-16ESB: announced Oct-14; closed Feb-15Fidelity: announced Jul-12; closed Nov-12AmTrust (5 branches): announced Jan-09; closed Mar-09Oak Hill: announced Jul-07; closed Nov-07

* Long-Term Value Proposition Diversified and well-balanced financial services companyStrong legacy of credit and risk managementDisciplined growth, balanced by a fundamental focus on expense management, that delivers positive operating leverage and increases shareholder valueWell-defined growth strategies for long-term success of key stakeholdersAverage loans to average deposits ratio of 87.3% provides significant opportunity for growthRegularly achieve 5-star ratings from Bauer Financial and recognition as one of America’s best banks* * as recognized by a leading financial magazineNote: loan to deposit ratio represents 9/30/16 quarter; please see the ROTCE reconciliation in the appendix for WSBC and WSBC (excl. merger expenses); peer ROTCE from S&P Global (as of 11/9/16) and represents a simple average of WSBC’s peer group (see slide #11) Return on Tangible Common Equity (ROTCE)

Financial Overview

* Financial and Operational Highlights – Q3 2016 Net income up 6.7% and EPS up 3.4% (excluding merger-related costs)Return on tangible common equity of 13.6% (excluding merger-related costs)Steady and meaningful progress on balance sheet remix strategy5.5% organic loan growth over past twelve monthsDecreasing investment securities balances to fund loan growthWill improve asset yields, over time, as loan rates are higher than securities rateWill help to maintain balance sheet size, in the near-term, under $10 billion of assetsCurrent size of securities portfolio provides flexibility to manage balance sheet in this extended lower-for-longer interest rate environment while supporting mid-single digit overall loan growthAllowed run-off of certain higher cost certificates of deposit as focused on meeting customer preferences for other deposit typesRemain focused on long-term expense management and positive operating leverageYear-to-date efficiency ratio of 56.1% improved 118 basis points Note: financial data as of quarter ending 9/30/2016, which reflects impact of the YCB and ESB mergers, and compared to the quarter ending 9/30/2015; please see the reconciliations to GAAP results in the appendix

Financial Performance Summary * excludes merger-related expensesall figures are three month ending figures; do not disclose nine month figuresNote: please see the reconciliations to GAAP results in the appendix; Your Community Bankshares merger closed September 9, 2016; ESB Financial merger closed February 10, 2015

Net Interest Margin Net interest margin has been impacted due to:An extended “lower-for-longer” interest rate environment with a flatter yield curve and lower LIBOR-based swap spreadsLower spreads on existing loan repricing and competitive new loan pricingIncreased funding costs associated with a higher proportion of Federal Home Loan Bank medium-term borrowings and higher junior subordinated debt costsContinued loan growth and balance sheet remix strategy will, over time, improve asset yields as average loan rates are higher than securities ratesNIM two basis points higher in Q3 2016 compared to the second quarter, and has shown relative stability over the last four quarters * Net Interest Margin (FTE)

Securities Portfolio Securities portfolio represents ~24% of total assets (compared to ~30% last year)Scheduled maturities and select sales of short-term, lower-yielding securities to help manage risk and portfolio efficiency while funding loan growth during Q3 2016Portfolio characteristics:No credit-related issuesFew callable agency and no high-premium mortgage-backed securitiesAverage tax-equivalent yield 2.88%Weighted average life ~4.1 years46% unpledgedPortfolio reduction is a component of balance sheet remix strategyProvides flexibility to support loan growth over the next couple of yearsHelp maintain balance sheet size under $10 billion of assets in the near-term * Composition as of 9/30/2016 Total Securities = $2.4B Note: financial data as of 9/30/2016

Interest Rate Sensitivity Positioned for asset sensitivity in rising rate shock and ramp environments * Immediate Change in Interest Rates Change in Net Interest Incomefrom Base over One Year Change in Net Interest Incomefrom Base over One Year Immediate Change in Interest Rates December 31, 2015 September 30, 2016 +1% Rate Shock +3.6% +3.3% +2% Rate Shock +5.5% +4.8% +3% Rate Shock +6.2% +4.9% +2% Rate Ramp +3.0% +2.8% (1%) Rate Shock (2.7%) (3.2%) EVE +2% Rate Shock +1.9% +9.6% EVE (1%) Rate Shock (8.8%) +1.1% Note: “EVE” is the economic value of equity, which is defined as the market value of equity in various increasing and decreasing rate scenarios

Diversified Revenue Generation: Non-Interest Income Operating non-interest income contributed 24% of net revenue year-to-date 2016Q3 2016 operating non-interest income reflects:Commercial customer loan swap fee income as customers become more receptive to the back-to-back fixed rate swap productSecurities gains from the sale or maturity of securities reflective of balance sheet remix strategyGrowth in electronic banking and deposit fees from increased retail and business transaction volumeBrokerage revenue negatively impacted by staff restructuring and an emphasis on deposit retention * Note: operating non-interest income (excludes gain/loss on securities and on sale of OREO property) is a non-GAAP measure, please see the reconciliations to GAAP results in the appendix Operating Non-Interest Income ($MM)

Conservative underwriting standardsFive consecutive “outstanding” CRA ratingsPhasing in the costs of processes and additional risk, governance, and statistical personnel for crossing the $10B Dodd-Frank thresholdLiquidity, loan, and capital stress testing in preparation for post-$10B DFAST reportingEnhancing our strong compliance management systemStrong risk-based capital ratios well above regulatory requirements Risk Management and Regulatory Compliance * Basel III Tier 1 Risk-Based Capital Ratio Basel III Common Equity Tier 1 Capital Ratio Note: Your Community Bankshares merger closed September 2016

Returning Value to Shareholders Since 2010, dividend has increased 71%Q3 2016 dividend payout ratio 40.0%, compared to 32.5% for SNL $5-10B bank peer groupQ3 2016 dividend yield 3.0%, compared to 2.0% for SNL $5-10B bank peer group * Dividends per Share ($) Note: dividend through August 2016 declaration announcement; WSBC dividend payout ratio based on earnings per share excluding restructuring & merger-related costs; WSBC dividend yield based upon 10/27/16 closing stock price of $32.12; SNL bank peer group dividend data as of 3Q2016 (source as of 11/9/16: S&P Global)

* Investment Rationale Diversified and well-balanced financial services company with a community bank at its coreDisciplined growth, balanced by a fundamental focus on expense management, that delivers positive operating leverage and increases shareholder valueStrong legacy of credit and risk managementFavorable asset quality when compared to regional and national peersWell-defined growth and $10B asset threshold strategies for long-term success of key stakeholders Focus on shareholder value through earnings and dividend growthStock trades at a 2-3x multiple discount – despite above peer-average financial performance Well-positioned for continued, high-quality growth withstrong upside market appreciation potential

Appendix

Financial Performance Summary Trend – Annual * Efficiency Ratio (1) Net Income (1) ($MM) (1) excludes merger-related expensesNote: please see the reconciliations to GAAP results in the appendix; Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012 Return on Average Tangible Equity (1) Return on Average Assets (1)

Loan loss allowance decline due to improvement in credit quality Legacy Loan Loss Allowance to Legacy Loans Non-Performing Assets to Total Assets Net Charge-Offs as % of Average Loans NPAs to Total Loans, OREO & Repossessed Assets Diligent Focus on Credit Quality – Annual Trend * Note: please see the reconciliations to GAAP results in the appendix; Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012

Stock Performance: Long-Term Cumulative Return * Note: cumulative return since WSBC IPO compared to the cumulative return for the S&P500 Index over the same time period

Reconciliation: Efficiency Ratio * Note: “efficiency ratio” is non-interest expense excluding restructuring and merger-related expense divided by total income; FTE represents fully taxable equivalent; Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012

Reconciliation: Net Income and EPS (Diluted) * Note: Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012

* (1) three-month net income figures are annualized; amortization of intangibles tax effected at 35%Note: Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012 Reconciliation: Return on Average Assets

Reconciliation: Operating Non-Interest Income * Note: Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012

* Note: Your Community Bankshares merger closed September 2016, ESB Financial merger closed February 2015, and Fidelity Bancorp merger closed November 2012 Reconciliation: Legacy Loan Loss Allowance to Total Legacy Loans