# WesBanco competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/wesbanco/competitors
Last updated: Oct 19, 2026

*Part of the [WesBanco AI strategy profile](https://www.bankingnewsai.com/banks/wesbanco). Peer group: United Bankshares, F.N.B. Corporation, First Financial Bancorp, Park National Corporation, First Commonwealth Financial Corporation, Fulton Financial Corporation, Atlantic Union Bankshares, First Merchants Corporation.*

## Who are WesBanco's competitors, and what are the alternatives?

WesBanco's 2025 10-K, filed March 2, 2026, says it competes with local, regional and national banks, savings and loans, internet banks, credit unions, payday lenders, finance companies, online trading and robo-advisors, fintech companies and brokerage firms. It warns that fintechs may 'more efficiently underwrite and close small business and consumer loans'. After merging with Premier Financial in February 2025 it ran 251 financial centers in seven states. Its rivals differ by state. In West Virginia, FDIC data for June 30, 2025 rank it third with $4.3 billion of deposits, behind United Bank ($6.9 billion) and Truist ($5.9 billion). In Ohio, now its largest state, it ranks ninth with $8.6 billion. There U.S. Bank, Huntington, KeyBank, Fifth Third, JPMorgan Chase and PNC each hold $38 billion or more, and Park National and First Financial sit just behind it. In Pennsylvania it is 38th, far behind PNC and F.N.B.; in Kentucky it ranks 11th. Its 10-K says expansion into larger metro markets has meant facing 'entrenched larger bank competitors'. For trust and investment services it names trust companies, mutual funds, investment advisers and brokerages, and Robinhood, with 28.4 million funded customers in June 2026, is the kind of online trading rival its risk factors list. In everyday banking the non-bank rivals are Chime, with 10.4 million active members, and Block's Square and Cash App. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does WesBanco say about its competition?

"Competition in the form of price and service from other banks, including local, regional and national banks and financial companies such as savings and loan companies, internet banks, payday lenders, money services businesses, credit unions, finance companies, brokerage firms and other non-banking companies providing various regulated and non-regulated financial services and products, is intense in most of the markets served by Wesbanco and its subsidiaries. Wesbanco's trust and investment services segment receives competition from commercial banks, trust companies, mutual fund companies, investment advisory firms, law firms, brokerage firms, and other financial services companies." ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

"As a result of consolidation within the financial services industry, mergers between, and the expansion of, financial institutions both within and outside of Wesbanco's major markets have provided significant competitive pressure in those markets. Many of Wesbanco's competitors have greater resources and, as such, may have higher lending limits and may offer other products and services that are not provided by Wesbanco. Wesbanco generally competes on the basis of superior customer service and responsiveness to customer needs, available loan and deposit products, rates of interest charged on loans, rates of interest paid for deposits, and the availability and pricing of trust, brokerage and insurance services. As a result of Wesbanco's expansion into certain larger metropolitan markets, it has faced entrenched larger bank competitors with an already existing customer base that may far exceed Wesbanco's initial entry position into those markets." ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

From the risk factors: "Wesbanco faces banking competition in all the markets it serves from the following: local, regional and national banks; savings and loans; internet banks; credit unions; payday lenders and money services businesses; finance companies; online trading and robo-advisors; financial technology companies and other non-bank lenders; and brokerage firms serving Wesbanco's market areas." It adds that banks and other institutions "may have products and services not offered by Wesbanco such as new payment system technologies and cryptocurrency". ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

"Wesbanco also faces competition from financial technology ('FinTech') companies, which may more efficiently underwrite and close small business and consumer loans as well as more quickly and efficiently open deposit accounts. In addition to providing products and services traditionally offered by banks, some FinTech companies allow customers to complete financial transactions without the need for bank intermediaries." (2025 Form 10-K, filed March 2, 2026.) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

## Who competes with WesBanco in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [United Bankshares (United Bank)](https://www.bankingnewsai.com/banks/united-bankshares) | Bank | First in West Virginia by deposits at June 30, 2025, with $6.9 billion in 48 offices against WesBanco's $4.3 billion in 38; a member of WesBanco's 2025 compensation peer group. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526106165/wsbc-20260313.htm)) |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Second in West Virginia by deposits at June 30, 2025, with $5.9 billion in 42 offices, and sixth in Kentucky. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | Second in Ohio by deposits at June 30, 2025, with $96.1 billion in 343 offices against WesBanco's $8.6 billion, and sixth in West Virginia. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [Park National](https://www.bankingnewsai.com/banks/park-national) | Bank | Tenth in Ohio by deposits at June 30, 2025, with $7.6 billion in 75 offices, one place behind WesBanco; it completed its First Citizens merger in February 2026. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html)) |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Bank | Twelfth in Ohio by deposits at June 30, 2025, with $7.5 billion in 57 offices, and also in Kentucky and Indiana; a member of WesBanco's 2025 compensation peer group. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22IN%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526106165/wsbc-20260313.htm)) |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | First in Pennsylvania ($147.5 billion) and Kentucky ($11.5 billion) and sixth in Ohio ($38.2 billion) by deposits at June 30, 2025; WesBanco operates in western Pennsylvania, Kentucky and Ohio. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| Home region: West Virginia, Ohio and the Upper Ohio Valley | [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | Bank | Fifth in Pennsylvania by deposits at June 30, 2025, with $23.8 billion, where WesBanco ranks 38th; a Pittsburgh-based member of WesBanco's 2025 compensation peer group. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526106165/wsbc-20260313.htm)) |
| Retail deposits, checking and everyday digital banking | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Fourth in Ohio ($66.9 billion), third in Kentucky ($8.4 billion) and fourth in Indiana by deposits at June 30, 2025, all WesBanco states. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22IN%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Retail deposits, checking and everyday digital banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Fifth in Ohio ($45.7 billion), second in Kentucky ($9.9 billion) and eighth in West Virginia by deposits at June 30, 2025; 74.6 million active digital customers in 2025. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Retail deposits, checking and everyday digital banking | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | First in Ohio by deposits at June 30, 2025, with $111.5 billion in 161 offices, and fifth in Kentucky. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Retail deposits, checking and everyday digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | An internet bank of the kind WesBanco's 10-K lists; Chime's 10-K claims a cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits, checking and everyday digital banking | [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Fintech | A FinTech that lets customers transact 'without the need for bank intermediaries', as WesBanco's 10-K puts it; Block's 10-K lists banks among Cash App's competitors, with 59 million monthly transacting actives in December 2025. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |
| Commercial banking | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Bank | Third in Ohio by deposits at June 30, 2025, with $68.7 billion in 172 offices, one of the larger banks WesBanco's 10-K says have higher lending limits. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| Commercial banking | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | A Columbus-based bank with $96.1 billion of Ohio deposits; its purchase of Cadence, closed February 2, 2026, added 390 branches in the South. WesBanco reported a record $2.3 billion commercial pipeline in June 2026. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wesbanco-q2-earnings-call-highlights-150647400.html)) |
| Commercial banking | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | Bank | Sixth in Indiana by deposits at June 30, 2025, with $11.7 billion in 74 offices, where WesBanco ranks 26th; it also holds Ohio deposits. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22IN%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Trust, investments and brokerage | [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | Broker or asset manager | WesBanco's 10-K names 'online trading and robo-advisors' among its competitors; Robinhood had 28.4 million funded customers and $369 billion of platform assets at June 30, 2026. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm)) |
| Trust, investments and brokerage | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | A commercial bank of the kind WesBanco's 10-K names as a trust and investment competitor, and the largest deposit holder in Pennsylvania and Kentucky (June 30, 2025). ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Trust, investments and brokerage | [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Bank | Its October 2026 Palm Beach office comes with a wealth team, and it is WesBanco's largest rival by West Virginia deposits. ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Small business banking and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; WesBanco's 10-K says fintechs may underwrite small business loans more efficiently. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| Small business banking and payments | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Calls itself the number one small business lender in the US, citing FDIC data, serving 4 million small businesses; it was eighth in Ohio by deposits at June 30, 2025. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |

## How do the AI and digital offerings of WesBanco's competitors compare?

WesBanco first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [WesBanco (this page)](https://www.bankingnewsai.com/banks/wesbanco) | Not disclosed | [Index 26.9 (#92); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives (Aug 27, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| [United Bankshares (United Bank)](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [Index 2 (#116); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced (Oct 8, 2026) ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot: 12.5 million+ requests from 2023 to March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [Park National](https://www.bankingnewsai.com/banks/park-national) | Virtual voice assistant (self-service up 132% in 2025) and an AI-powered Auto-Coach for bankers ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm)) | [Index 6.6 (#103); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/park-national) | Q2 10-Q: data processing costs up, Tennessee legacy core still running (Aug 7, 2026) ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm)) |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Not disclosed | [Index 4.4 (#105); 11 use cases, 8 in production](https://www.bankingnewsai.com/banks/first-financial-ohio) | Succession reshuffle: Anderson president, former CIO Myers COO (Sep 14, 2026) ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm), [American Banker](https://www.americanbanker.com/news/after-year-of-rapid-growth-ohio-bank-revamps-its-top-ranks)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | 10 AI-enabled fraud tools; Insight 360 AI tool due by end-2026 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-q2-earnings-150341871.html)) | [Index 60.2 (#47); 15 use cases, 9 in production](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie virtual assistant, bilingual in English and Spanish (September 2026) ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Smart Cash AI cash tool in a targeted pilot (October 2026) ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [Index 81.3 (#18); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it (Oct 7, 2026) ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Conversational AI in the contact centre and 'cognitive banking' in the app ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [Banking Dive](https://www.bankingdive.com/news/keybank-digital-banking-regionals-ai-insights-personetics/823541/), [American Banker](https://americanbanker.com/news/how-keybank-is-creating-cognitive-banking-with-ai)) | [Index 80 (#21); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | Microsoft Copilot rolled out firm-wide (June 2026) ([Louisville Business First](https://www.bizjournals.com/louisville/news/2026/06/05/executive-insights-experts-crypto-ai-business-bank.html)) | [Index 29.8 (#88); 11 use cases, 9 in production](https://www.bankingnewsai.com/banks/first-merchants) | CEO succession: Stewart to replace Hardwick on 1 January 2027 (Oct 1, 2026) ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/10/01/first-merchants-bank-ceo-mark-hardwick-to-retire-at-the-end-of-2026-and-president-mike-stewart-to-become-president-and-ceo)) |
| [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | Cortex AI research tools (nearly 1 million customers had used Cortex Digests by April 2026) ([U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm)) | [8 use cases, 3 in production](https://www.bankingnewsai.com/fintech/robinhood) | Robinhood Agents, weekend trading and perpetual futures unveiled at HOOD Summit (Sep 29, 2026) ([Robinhood](https://robinhood.com/us/en/newsroom/hood-summit-2026/), [Fortune](https://fortune.com/2026/09/29/robinhood-trading-agents-hood-openai-anthropic/)) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [Index 2 (#116); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced (Oct 8, 2026) ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica (and EricaAssist) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/07/bank-of-america-enhances-ericaassist-with-generative-ai-to-help-.html), [American Banker](https://www.americanbanker.com/news/how-bank-of-americas-erica-does-the-work-of-11-000-people)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |

## Who should look beyond WesBanco, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant in the banking app | [Bank of America (Erica), Truist (Truist Assist) or Fifth Third (Jeanie)](https://www.bankingnewsai.com/banks/bank-of-america) | WesBanco has named no customer-facing AI assistant. Erica helps more than 24.6 million clients, Truist Assist logged 12.5 million+ requests from 2023 to March 2026, and Fifth Third's Jeanie is bilingual in English and Spanish. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) |
| People who need branches outside WesBanco's seven-state footprint | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | WesBanco's 251 financial centers are in West Virginia, Ohio, western Pennsylvania, Maryland, Kentucky, Michigan and Indiana, and it closed 37 more in 2026. Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | WesBanco is a branch-based bank. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its AI financial partner. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Investors who want self-directed trading with AI research tools | [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | WesBanco Securities is a full-service broker-dealer; WesBanco's 10-K lists online trading and robo-advisors as competitors. Robinhood had 28.4 million funded customers at June 30, 2026, and nearly 1 million had used its Cortex Digests AI summaries by April 2026. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm)) |
| Pennsylvania customers who want a large local branch network | [PNC or F.N.B.](https://www.bankingnewsai.com/banks/pnc) | WesBanco ranks 38th in Pennsylvania by deposits, with $1.9 billion in 28 offices (June 30, 2025). PNC holds $147.5 billion in 265 offices and F.N.B. $23.8 billion in 188, and F.N.B.'s eStore Common application covers more than 50 products. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |

## Where does WesBanco rank by deposits in its main states, and who is bigger?

FDIC Summary of Deposits data as of June 30, 2025, after the Premier Financial merger: deposits booked in each bank's offices in the state, summed by institution. Figures are rounded.

| State | WesBanco deposits (offices) | WesBanco rank | Larger banks in the state |
| --- | --- | --- | --- |
| Ohio | $8.6 billion (114) | 9th of 190 | U.S. Bank $111.5 billion, Huntington $96.1 billion, KeyBank $68.7 billion, Fifth Third $66.9 billion, JPMorgan Chase $45.7 billion, PNC $38.2 billion, Citizens $10.3 billion, Bank of America $8.8 billion ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| West Virginia | $4.3 billion (38) | 3rd of 69 | United Bank $6.9 billion, Truist $5.9 billion ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Kentucky | $2.4 billion (29) | 11th of 154 | PNC $11.5 billion, JPMorgan Chase $9.9 billion, Fifth Third $8.4 billion, Stock Yards $6.3 billion, U.S. Bank $6.2 billion, Truist $6.0 billion and others ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Pennsylvania | $1.9 billion (28) | 38th of 157 | PNC $147.5 billion, Wells Fargo $38.9 billion, Citizens $34.3 billion, F.N.B. $23.8 billion and many others ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |
| Indiana | $1.2 billion (12) | 26th | Fifth Third $13.1 billion, First Merchants $11.7 billion, Huntington $6.5 billion, First Financial (Cincinnati) $6.2 billion and others ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22IN%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json)) |

## Which banks does WesBanco benchmark itself against?

WesBanco's 2026 proxy says its compensation committee built a new peer group in November 2024, ahead of the Premier merger, from public bank holding companies with $18 billion to $48 billion of assets headquartered in the Midwest, Mid-Atlantic and Southeast. The 2025 group named Ameris, F.N.B., Provident Financial Services, Associated Banc-Corp, First Financial, Renasant, Atlantic Union, Fulton, Simmons, BankUnited, Hancock Whitney, United Bankshares, Commerce, Prosperity and United Community. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526106165/wsbc-20260313.htm))

Several of those peers are still integrating acquisitions. First Financial converted Westfield Bank in March 2026 and BankFinancial in June 2026, and in July agreed a $208 million deal for Finward that American Banker says gives it more than 40 Chicagoland branches. Fulton converted Blue Foundry in July 2026. Atlantic Union's CIO wrote in March 2026 that AI and automation will make future conversions faster after its Sandy Spring integration. WesBanco's own 10-K says consolidation and expansion inside and outside its markets have 'provided significant competitive pressure'. ([First Financial Bank](https://bankatfirst.com/personal/discover/flourish/first-financial-completes-conversion-westfield-bank.html), [First Financial Bancorp (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-completes-conversion-of-bankfinancial-302793994.html), [American Banker](https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Forbes Technology Council](https://www.forbes.com/councils/forbestechcouncil/2026/03/16/what-every-organization-can-learn-from-a-bank-system-conversion/), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

## Common questions

### Who are WesBanco's biggest competitors?

In Ohio, its largest state, U.S. Bank, Huntington, KeyBank, Fifth Third, JPMorgan Chase and PNC each hold far more deposits, with Park National and First Financial close behind WesBanco. In West Virginia, United Bank and Truist are ahead of it (FDIC, June 30, 2025). Its 10-K also names internet banks, credit unions, fintechs, payday lenders and online trading firms. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

### Is United Bankshares a competitor of WesBanco?

Yes, most directly in West Virginia, where United Bank held $6.9 billion of deposits in 48 offices at June 30, 2025, against WesBanco's $4.3 billion in 38. United Bankshares also sits in WesBanco's 2025 compensation peer group. On AI disclosure WesBanco scores 26.9 and United Bankshares 2. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526106165/wsbc-20260313.htm))

### Is Chime a competitor of WesBanco?

In deposits, yes by category: WesBanco's 10-K names internet banks and fintechs that open deposit accounts 'more quickly and efficiently', and Chime's 10-K says its digital-first model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Who competes with WesBanco in Ohio?

U.S. Bank ($111.5 billion of Ohio deposits), Huntington ($96.1 billion), KeyBank ($68.7 billion), Fifth Third ($66.9 billion), JPMorgan Chase ($45.7 billion), PNC ($38.2 billion), Citizens and Bank of America are larger. WesBanco ranks ninth with $8.6 billion, just ahead of Park National ($7.6 billion) and First Financial ($7.5 billion), per FDIC data for June 30, 2025. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json))

### What are alternatives to WesBanco for small business banking?

Bank of America calls itself the number one US small business lender, citing FDIC data, with 4 million small-business clients, and Square sells payments, point-of-sale software and banking to sellers. WesBanco's own 10-K says fintechs may underwrite and close small business loans more efficiently than it can. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

### Who competes with WesBanco's trust and investment business?

WesBanco's 10-K names commercial banks, trust companies, mutual fund companies, investment advisory firms, law firms and brokerage firms, and its risk factors add online trading and robo-advisors. Robinhood, for example, had 28.4 million funded customers at June 30, 2026. WesBanco Securities is WesBanco's full-service broker-dealer subsidiary. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm))

### WesBanco vs Huntington: how do they compare?

Huntington is about eleven times WesBanco's size in Ohio by deposits: $96.1 billion in 343 offices against $8.6 billion in 114 at June 30, 2025. Huntington also expanded into the South by buying Cadence, closed in February 2026. WesBanco competes as a regional bank with 251 financial centers across seven states. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

### Is PNC a competitor of WesBanco?

Yes, in three of its states. PNC was the largest deposit holder in Pennsylvania ($147.5 billion) and Kentucky ($11.5 billion) and sixth in Ohio ($38.2 billion) at June 30, 2025. WesBanco ranks 38th in Pennsylvania, 11th in Kentucky and ninth in Ohio, and its 10-K says many competitors have greater resources and higher lending limits. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22PA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22KY%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22OH%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm))

## Peers on this site

- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [First Financial Bancorp AI strategy](https://www.bankingnewsai.com/banks/first-financial-ohio) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-ohio/vs-peers)
- [Park National Corporation AI strategy](https://www.bankingnewsai.com/banks/park-national) · [vs peers](https://www.bankingnewsai.com/banks/park-national/vs-peers)
- [First Commonwealth Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/first-commonwealth) · [vs peers](https://www.bankingnewsai.com/banks/first-commonwealth/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) · [vs peers](https://www.bankingnewsai.com/banks/first-merchants/vs-peers)

## Sources

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2. FDIC Summary of Deposits, West Virginia branches, deposits aggregated by institution (June 30, 2025) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WV%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json
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29. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
30. PNC's solution to rising AI costs: build its own AI — American Banker, Jun 12, 2026. https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai
31. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
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33. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
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39. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
40. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
41. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
42. U.S. Bank launches Design Assistant, an AI solution to empower designers at scale — U.S. Bank, Mar 30, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html
43. U.S. Bank gives embedded banking clients a gen AI assistant — American Banker, Jan 15, 2026. https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant
44. AI-powered Statement Analyzer simplifies payment services for small businesses — U.S. Bank, May 26, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html
45. U.S. Bank launches AI-driven cash forecasting tool — U.S. Bank, Nov 18, 2025. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html
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48. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
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58. Robinhood Puts the Power of Hedge Funds in Every Trader's Pocket — Robinhood, Sep 29, 2026. https://robinhood.com/us/en/newsroom/hood-summit-2026/
59. Robinhood rolls out OpenAI and Anthropic trading agents to millions of users — Fortune, Sep 29, 2026. https://fortune.com/2026/09/29/robinhood-trading-agents-hood-openai-anthropic/
60. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
61. A Decade of AI Innovation: BofA's Virtual Assistant Erica Surpasses 3 Billion Client Interactions — Bank of America Newsroom, Aug 1, 2025. https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html
62. Bank of America Enhances EricaAssist with Generative AI — Bank of America Newsroom, Jul 21, 2026. https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/07/bank-of-america-enhances-ericaassist-with-generative-ai-to-help-.html
63. How Bank of America's Erica does the work of 11,000 people — American Banker, Jan 22, 2026. https://www.americanbanker.com/news/how-bank-of-americas-erica-does-the-work-of-11-000-people
64. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
65. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
66. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
67. F.N.B. Corporation Further Expands eStore Common Application Capabilities with Introduction of Business Loan Products — PR Newswire via FT Markets, Mar 10, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1
68. First Financial Completes Conversion of Westfield Bank — First Financial Bank, Mar 16, 2026. https://bankatfirst.com/personal/discover/flourish/first-financial-completes-conversion-westfield-bank.html
69. First Financial Completes Conversion of BankFinancial — First Financial Bancorp (PR Newswire), Jun 8, 2026. https://www.prnewswire.com/news-releases/first-financial-completes-conversion-of-bankfinancial-302793994.html
70. Cincinnati's First Financial strikes third deal in 13 months — American Banker, Jul 22, 2026. https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months
71. Fulton Financial Merges Its Blue Foundry Bank Subsidiary into Fulton Bank, N.A. — Fulton Financial, Jul 13, 2026. https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-
72. What Every Organization Can Learn From A Bank System Conversion (by Matt Linderman, CIO) — Forbes Technology Council, Mar 16, 2026. https://www.forbes.com/councils/forbestechcouncil/2026/03/16/what-every-organization-can-learn-from-a-bank-system-conversion/

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