WesBanco Bank, Inc.: SBA Lending Record
What SBA's own loan files show about WesBanco Bank, Inc. as an SBA lender, and how a lender's record bears on a feasibility study.
WesBanco Bank, Inc.: the SBA record
351 approved loans tie to WesBanco Bank, Inc. in SBA's files, FY2017 to FY2026: $209.0 million gross. In SBA's file, WesBanco Bank, Inc. sits in West Virginia. The 351 loans count as holdings: WesBanco Bank, Inc. is current or last holder, per SBA. 351 loans belong to SBA 7(a). WesBanco Bank, Inc. has 0 in SBA 504. WesBanco Bank, Inc.'s last year, FY2026, is complete. $209.0 million gross across 351 loans is the scale of WesBanco Bank, Inc.'s record. The 351 loans carry SBA's guarantee and not WesBanco Bank, Inc.'s, so no policy shows here.
268 of the 351 loans for WesBanco Bank, Inc. sit in no named class. WesBanco Bank, Inc. lists these classes: Full-service restaurant at 16; Fitness center at 11; Limited-service restaurant (8); Child care center at 8; Automotive mechanical repair (car and truck) (6); Beauty salon, 5. Of 351 loans, 268 are unclassed and 16 are Full-service restaurant. WesBanco Bank, Inc.'s classes describe part of 351. 11 Fitness center loans trail 16 Full-service restaurant at WesBanco Bank, Inc.
The states behind WesBanco Bank, Inc.
WesBanco Bank, Inc. shows these states: Ohio at 230; Kentucky at 26; Indiana (23); Maryland at 22; Pennsylvania at 18; Michigan, 11; West Virginia (10); Virginia, 5. WesBanco Bank, Inc. is recorded in West Virginia, which does not head this table. 230 of WesBanco Bank, Inc.'s 351 loans sit in Ohio. WesBanco Bank, Inc.'s table maps 351 loans, no boundary for sites beyond Ohio.
WesBanco Bank, Inc.: floors and study
WesBanco Bank, Inc. saw at least 13.5% of FY2017 to FY2024 approvals cancelled. Ceiling 15.3%: undisbursed loans count as cancelled. On WesBanco Bank, Inc.'s file, the loss rate is held back for disbursements between FY2017 and FY2021. Loan Analytics' small-group test hides it for cohorts of few loans. Do not read it as zero; nothing replaces it. 13.5% cancelled means approval is not funding. WesBanco Bank, Inc.: no rate, cash flow must hold. At WesBanco Bank, Inc., test one is site demand. At WesBanco Bank, Inc., test two is full project cost. At WesBanco Bank, Inc., test three is debt service coverage. For WesBanco Bank, Inc., test four is the appraisal.
WesBanco Bank, Inc.'s record shows a lender 351 loans and $209.0 million gross. WesBanco Bank, Inc.'s record shows a borrower 351 holdings and no terms. The 351 loans cannot show how WesBanco Bank, Inc. would treat a request. 16 Full-service restaurant loans lead the named classes. WesBanco Bank, Inc.'s holdings are all that is shown. WesBanco Bank, Inc. borrowers need a study that stands alone. 351 loans held by WesBanco Bank, Inc. are all the file contains.
SBA loans held by WesBanco Bank, Inc.
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 351 |
|---|---|
| Gross dollars approved | $209.0 million |
| SBA 7(a) loans | 351 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 13.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 15.3% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 268 |
| Full-service restaurant | 16 |
| Fitness center | 11 |
| Limited-service restaurant | 8 |
| Child care center | 8 |
| Automotive mechanical repair (car and truck) | 6 |
| Beauty salon | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Ohio | 230 |
| Kentucky | 26 |
| Indiana | 23 |
| Maryland | 22 |
| Pennsylvania | 18 |
| Michigan | 11 |
| West Virginia | 10 |
| Virginia | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-803.
Related feasibility study pages
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