SEC EDGAR · 10-K
10-K – 2026-02-13 – hban-20251231.htm
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Omsättning
- Note 7 - Mortgage Loan Sales and Servicing Rights | 134
- Note 15 - Revenue from Contracts with Customers | 143
- CIRCIA Cyber Incident Reporting for Critical Infrastructure Act IRS Internal Revenue Service | CISA Cybersecurity Information Sharing Act LCR
- Business Segments | Our business segments are based on our internally aligned segment leadership structure, which is how management monitors results and assesses performance. For each business segment, we expect the combination of our business model, investment in products and capabilities, and exceptional service to provide a competitive advantage that supports revenue and earnings growth. Our business model emphasizes the delivery of a complete set of banking products and services offered by larger banks, but dis | 2025 Form 10-K 7
- A key strategic emphasis has been for our business segments to operate in cooperation to provide products and services to our customers and to build stronger and more profitable relationships using our OCR sales and service process, which aligns to our vision to be the leading people-first, customer-centered bank in the country. The objectives of OCR are to: | • Use a consultative and advisory sales approach to provide solutions that are specific to each customer;
- A key strategic emphasis has been for our business segments to operate in cooperation to provide products and services to our customers and to build stronger and more profitable relationships using our OCR sales and service process, which aligns to our vision to be the leading people-first, customer-centered bank in the country. The objectives of OCR are to: | • Use a consultative and advisory sales approach to provide solutions that are specific to each customer; | • Leverage each business segment in terms of its products and expertise to benefit customers; and
- Commercial Real Estate Banking provides banking solutions to commercial real estate developers and institutional sponsors across the nation. Within this group, Huntington Community Development improves the quality of life for our communities and the residents of low-to-moderate income neighborhoods by developing and delivering innovative products and services to support affordable housing and neighborhood stabilization, including tax credit investments. | Capital Markets delivers corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. | National Settlements provides products and services to law firms, claims administrators, and regulatory agencies to assist with settlement administration.
- The CISA is intended to improve cybersecurity in the U.S. by enhanced sharing of information about security threats among the U.S. government and private sector entities, including financial institutions, and empowers the CISA Agency to oversee this information-sharing process. The CISA also authorizes companies to monitor their own systems notwithstanding any other provision of law and allows companies to carry out defensive measures on their own systems from cyber-attacks or other information | In addition, the Federal Reserve, OCC, and FDIC require, among other things, a banking organization to notify its primary federal regulator as soon as possible and within 36 hours after identifying a “computer-security incident” that the banking organization believes in good faith could materially disrupt, degrade, or impair its business or operations in a manner that would, among other things, jeopardize the viability of its operations, result in customers being unable to access their deposit a | Cybersecurity and data privacy are also areas of increasing state legislative focus. For example, under California state law, the CCPA broadly defines personal information and substantially increases the rights of California residents to understand how their personal information is collected, used, and otherwise processed by commercial businesses, such as affording them the right to access and request deletion of their information and to opt out of certain sharing and sales of personal informati
Periodens resultat
- Restrictions on Dividends | Huntington is a legal entity separate and distinct from its banking and non-banking subsidiaries. Since our consolidated net income consists largely of net income of Huntington’s subsidiaries, our ability to make capital distributions, including paying dividends and repurchasing shares, depends upon our receipt of dividends from these subsidiaries. Under federal law, there are various limitations on the extent to which the Bank can declare and pay dividends to Huntington, including those related | Huntington’s ability to declare and pay dividends to our shareholders is similarly limited by federal banking law and Federal Reserve regulations and policy. As discussed in the Capital Planning section above, in general, a BHC may pay dividends and repurchase stock only in accordance with a capital plan that has been reviewed by the Federal Reserve and as to which the Federal Reserve has not objected. Additionally, all of Huntington’s preferred stock outstanding has preference over its common s
- Huntington and the Bank must maintain the applicable capital buffer requirements to avoid becoming subject to restrictions on capital distributions, including dividends. For more information on the capital buffer requirements, see the SCB Requirements and the Regulatory Capital Requirements sections above. | The Federal Reserve has indicated generally that it may be an unsafe or unsound practice for a BHC to pay dividends unless its net income is sufficient to fund the dividends and its expected rate of earnings retention is consistent with its capital needs, asset quality, and overall financial condition. The Federal Reserve could prohibit or limit the payment of dividends by a BHC if it determines that payment of the dividend would constitute an unsafe or unsound practice. | Volcker Rule
- Credit Risks | • Our ACL level may prove to not be adequate or be negatively affected by credit risk exposures, which could adversely affect our net income and capital. | • Weakness in economic conditions could adversely affect our business.
- Credit Risks: | Our ACL level may prove to not be adequate or be negatively affected by credit risk exposures, which could adversely affect our net income and capital. | Our business depends on the creditworthiness of our customers. Our ACL of $2.7 billion at December 31, 2025, represented management’s estimate of the current expected losses in our loan and lease portfolio (ALLL), as well as our unfunded lending commitments (AULC). We regularly review our ACL for appropriateness. In doing so, we consider probability of default, loss given default, and exposure at default depending on economic parameters for each month of the remaining contractual term of the cre
- Our ACL level may prove to not be adequate or be negatively affected by credit risk exposures, which could adversely affect our net income and capital. | Our business depends on the creditworthiness of our customers. Our ACL of $2.7 billion at December 31, 2025, represented management’s estimate of the current expected losses in our loan and lease portfolio (ALLL), as well as our unfunded lending commitments (AULC). We regularly review our ACL for appropriateness. In doing so, we consider probability of default, loss given default, and exposure at default depending on economic parameters for each month of the remaining contractual term of the cre | In addition, regulatory review of risk ratings and loan and lease losses may impact the level of our ACL and could have a material adverse effect on our financial condition and results of operations.
- Income attributable to non-controlling interest 18 (2) (10) 20 — — 20 | Net income attributable to Huntington | 2,211 271 14 1,940 (11) (1) 1,951
- — (5) NM 5 13 NM (8) | Net income applicable to common shares $ 2,087 $ 286 16 % $ 1,801 $ (16) (1) % $ 1,817 | Average common shares—basic 1,479 28 2 % 1,451 5 — % 1,446
- Average common shares—diluted 1,505 29 2 1,476 8 1 1,468 | Net income per common share—basic $ 1.41 $ 0.17 14 $ 1.24 $ (0.02) (2) $ 1.26 | Net income per common share—diluted 1.39 0.17 14 1.22 (0.02) (2) 1.24
Resultat per aktie
- Note 14 - Earnings Per Share | 142
- DISCUSSION OF RESULTS OF OPERATIONS | This section provides a review of financial performance on a consolidated basis. Key consolidated balance sheet and income statement trends are discussed. All earnings per share data are reported on a diluted basis. For additional insight on financial performance, please read this section in conjunction with the “ Business Segment Discussion .” | For a discussion of our results of operations for 2024 versus 2023, see “Part II, Item 7: Management’s Discussion and Analysis of Financial Condition and Results of Operations” Discussion of Results of Operations included in our 2024 Annual Report on Form 10-K, filed with the SEC on February 14, 2025.
- 14. EARNINGS PER SHARE | Basic earnings per share is the amount of earnings (adjusted for preferred stock dividends and the impact of preferred stock repurchases and redemptions) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares
- 14. EARNINGS PER SHARE | Basic earnings per share is the amount of earnings (adjusted for preferred stock dividends and the impact of preferred stock repurchases and redemptions) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares | The following table shows the calculation of basic and diluted earnings per share.
- Basic earnings per share is the amount of earnings (adjusted for preferred stock dividends and the impact of preferred stock repurchases and redemptions) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares | The following table shows the calculation of basic and diluted earnings per share.
- (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive. | 142 Huntington Bancshares Incorporated
Kassaflöde
- • We are a holding company and depend on dividends from our subsidiaries for liquidity needs. | • If we lose access to capital markets, we may not be able to meet the cash flow requirements of our depositors, creditors, and borrowers, or have the operating cash needed to fund corporate expansion and other corporate activities. | • A reduction in our credit rating could adversely affect our access to capital and could increase our cost of funds.
- Changes in Huntington’s financial condition or in the general banking industry, or changes in interest rates, could result in a loss of depositor confidence. | Liquidity is the ability to meet cash flow needs on a timely basis at a reasonable cost. The Bank uses its liquidity to extend credit and to repay liabilities as they become due or as demanded by customers. | 32 Huntington Bancshares Incorporated
- Huntington is an entity separate and distinct from the Bank. The Bank conducts most of our operations, and Huntington depends upon dividends from the Bank to service Huntington’s operating costs and to pay dividends to Huntington’s shareholders. The availability of dividends from the Bank is limited by various statutes and regulations. It is possible, depending upon the financial condition, including liquidity and capital adequacy of the Bank, and other factors, that the OCC could limit the paym | If we lose access to capital markets, we may not be able to meet the cash flow requirements of our depositors, creditors, and borrowers, or have the operating cash needed to fund corporate expansion and other corporate activities. | Wholesale funding sources can include securitization, federal funds purchased, securities sold under repurchase agreements, brokered deposits, and long-term debt. The Bank is also a member of the FHLB, which provides members access to funding through advances collateralized with mortgage-related assets. We maintain a portfolio of highly rated, marketable securities that is available as a source of liquidity.
- Total commercial loans and leases were $90.4 billion at December 31, 2025 and represented 60% of our total loan and lease credit exposure at that date. Our commercial loan portfolio is diversified by product type, customer size, and geography, and is comprised of the following ( see Commercial Credit discussion) : | C&I – C&I loans are made to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, or other projects, and to institutional sponsors supporting REITs. We focus on borrowers doing business within our geographic markets. C&I loans are generally underwritten individually and secured with the assets of the company and/or the personal guarantee of the business owners. The financing of owner-occupied facilities is considered a C&I loan even tho | 2025 Form 10-K 65
- CRE – The CRE portfolio includes both CRE commercial and CRE construction loans. CRE commercial loans are loans to developers. We mitigate our risk on these loans by requiring collateral values that exceed the loan amount and underwriting the loan with projected cash flow in excess of the debt service requirement. These loans are made to finance properties such as apartment buildings, office and industrial buildings, and retail shopping centers, and are repaid through cash flows related to the o | Lease Financing – Lease financing products are designed to address the diverse financing needs of small to large companies primarily for the acquisition of equipment. Our lease financing portfolio will utilize a variety of origination partners and third-party sources including equipment manufacturers, dealers, or vendors set up under program structures to generate transactions from a nationwide footprint. High level business lines comprise of industrial finance, specialty finance, healthcare fin
- As of December 31, 2025, we believe the Bank has sufficient liquidity and capital resources to meet its cash flow obligations over the next 12 months and for the foreseeable future. | Parent Company Liquidity
- During 2025, the Bank paid common and preferred dividends to the parent company of $750 million and $45 million, respectively. To meet any additional liquidity needs, the parent company may issue debt or equity securities. To support the parent company’s ability to issue debt or equity securities, we have filed with the SEC an automatic shelf registration statement covering an indeterminate amount or number of securities to be offered or sold from time to time as authorized by Huntington’s Board | As of December 31, 2025, we believe the Company has sufficient liquidity and capital resources to meet its cash flow obligations over the next 12 months and for the foreseeable future. | Credit Ratings
- (This section should be read in conjunction with the “ Regulatory Matters ” section included in Part I, Item 1: Business and Note 23 - “ Other Regulatory Matters ” of the Notes to Consolidated Financial Statements.) | Our primary capital objective is to maintain appropriate levels of capital within our Board-approved risk appetite to support the Bank's operations, absorb unanticipated losses and declines in asset values, and provide protection to uninsured depositors and debt holders in the event of liquidation, while also funding organic growth and providing appropriate returns to our shareholders. We manage regulatory capital and shareholders’ equity at the Bank and on a consolidated basis. We have an activ | Regulatory Capital
Likvida medel
- Liquidity Risk | Liquidity risk is the possibility of us being unable to meet current and future financial obligations in a timely manner. The goal of liquidity management is to ensure adequate, stable, reliable, and cost-effective sources of funds to satisfy changes in loan and lease demand, unexpected levels of deposit withdrawals, investment opportunities, and other contractual obligations. We consider core earnings, strong capital ratios, and credit quality essential for maintaining high credit ratings, whic | The Board of Directors is responsible for establishing an acceptable level of liquidity risk at Huntington, including approval of the liquidity risk appetite at least annually. The liquidity risk appetite includes liquidity risk metrics that are designed and monitored to ensure Huntington maintains adequate liquidity to meet current and future funding needs, including during periods of potential stress. The Board receives and reviews information on at least a semi-annual basis to ensure Huntingt
- Cash and Cash Equivalents and Securities | Cash and cash equivalents were $13.5 billion and $12.8 billion at December 31, 2025 and December 31, 2024, respectively. The $648 million increase in cash and cash equivalents during 2025 was primarily due to an increase in interest-earning deposits at the FRB to support short-term liquidity.
- Cash and Cash Equivalents and Securities | Cash and cash equivalents were $13.5 billion and $12.8 billion at December 31, 2025 and December 31, 2024, respectively. The $648 million increase in cash and cash equivalents during 2025 was primarily due to an increase in interest-earning deposits at the FRB to support short-term liquidity. | Our investment securities portfolio is evaluated under established ALCO objectives. Changing market conditions could affect the profitability of the portfolio, as well as the level of interest rate risk exposure.
- Bank Liquidity and Sources of Funding | Our primary sources of funding for the Bank are customer deposits. At December 31, 2025, customer deposits funded 76% of total assets (114% of total loans). To the extent we are unable to obtain sufficient liquidity through customer deposits, cash and cash equivalents, and investment securities, we may meet our liquidity needs through wholesale funding and asset securitization or sale. Additionally, the Bank may also access funding through intercompany notes or parent company deposits placed at | The Bank maintains borrowing capacity at both the FHLB and FRB secured by pledged loans and securities. While the Bank does not consider borrowing capacity at the FRB a primary source of funding, it could be used as a potential source of liquidity in a stressed environment or during a market disruption. The amount of available contingent borrowing capacity may fluctuate based on the level of borrowings outstanding and level of assets pledged.
- The parent company’s primary financial obligations consist of dividends to shareholders, debt service, income taxes, operating expenses, funding of nonbank subsidiaries, repurchases of our stock, and acquisitions. The parent company obtains funding to meet obligations from dividends and interest received from the Bank, interest and dividends received from direct subsidiaries, net taxes collected from subsidiaries included in the federal consolidated tax return, fees for services provided to subs | The parent company had cash and cash equivalents of $3.6 billion and $4.1 billion at December 31, 2025 and December 31, 2024, respectively, which was held in deposit at the Bank. S ee Note 24 - “ Parent-Only Financial Statements ” of the Notes to Consolidated Financial Statements for details on parent company cash flows. | On January 21, 2026, our Board of Directors declared a quarterly common stock cash dividend of $0.155 per common share. The dividend is payable on April 1, 2026, to shareholders of record on March 18, 2026. Additionally, on January 21, 2026, our Board of Directors declared quarterly Series B, F, G, H, J, and K preferred stock dividends payable on April 15, 2026 to shareholders of record on April 1, 2026, and on December 8, 2025, declared a quarterly dividend for the Series I Preferred Stock paya
- Net accrued income and other receivables activity ( 332 ) ( 474 ) ( 17 ) | Net cash and cash equivalents received from business combinations 864 — —
- Net cash provided by financing activities 4,513 13,001 3,765 | Increase in cash and cash equivalents | 648 2,718 3,425
- 648 2,718 3,425 | Cash and cash equivalents at beginning of period (1) 12,847 10,129 6,704 | Cash and cash equivalents at end of period (1) $ 13,495 $ 12,847 $ 10,129
Nettoskuld
- Huntington and the Bank, as Category IV banking organizations with less than $50 billion in weighted short-term wholesale funding, are exempt from the LCR and NSFR requirements. | The LCR would require each of Huntington and the Bank to hold an amount of eligible HQLA that equals or exceeds 100% of its respective projected adjusted net cash outflows over a 30-day period. The LCR would require each of Huntington and the Bank to calculate its respective LCR daily. When Huntington becomes a Category III institution with less than $75 billion in weighted average short-term wholesale funding, Huntington’s and the Bank’s total net cash outflows will be multiplied by an outflow | 2025 Form 10-K 13
- Net income $ 2,229 $ 1,960 $ 1,971 | Adjustments to reconcile net income to net cash provided by operating activities:
- Other, net ( 71 ) 1 30 | Net cash provided by operating activities 2,482 1,836 2,657 | Investing activities
- Net accrued income and other receivables activity ( 332 ) ( 474 ) ( 17 ) | Net cash and cash equivalents received from business combinations 864 — —
- Other, net 81 87 88 | Net cash used in investing activities | ( 6,347 ) ( 12,119 ) ( 2,997 )
- Other, net ( 90 ) ( 56 ) ( 46 ) | Net cash provided by financing activities 4,513 13,001 3,765 | Increase in cash and cash equivalents
- Net income $ 2,211 $ 1,940 $ 1,951 | Adjustments to reconcile net income to net cash provided by operating activities: | Equity in undistributed net income of subsidiaries ( 1,755 ) ( 150 ) ( 513 )
- Other, net 278 ( 121 ) 192 | Net cash provided by operating activities 743 1,676 1,630 | Investing activities
Eget kapital
- Consolidated Statements of Changes in Shareholders’ Equity | 104
- Note 13 - Shareholders’ Equity | 141
- Under the U.S. Basel III capital rules, Huntington’s and the Bank’s assets, exposures, and certain off-balance sheet items are subject to risk weights used to determine the institutions’ risk-weighted assets. These risk-weighted assets are used to calculate the following minimum capital ratios for Huntington and the Bank: | • CET1 Risk-Based Capital Ratio , equal to the ratio of CET1 capital to risk-weighted assets. CET1 capital primarily includes common shareholders’ equity subject to certain regulatory adjustments and deductions, including goodwill, intangible assets, certain deferred tax assets, and AOCI. | • Tier 1 Risk-Based Capital Ratio , equal to the ratio of Tier 1 capital to risk-weighted assets. Tier 1 capital is primarily comprised of CET1 capital, perpetual preferred stock, and certain qualifying capital instruments.
- Changes in interest rates can affect the value of loans, securities, assets under management, and other assets, including mortgage servicing rights. An increase in interest rates that adversely affects the ability of borrowers to pay the principal or interest on loans and leases may lead to an increase in NPAs and a reduction of income recognized, which could have a material adverse effect on our results of operations and cash flows. When we place a loan on nonaccrual status, we reverse any accr | Rising interest rates reduce the value of our fixed-rate securities. Unrealized losses from available-for-sale securities impact our OCI, shareholders’ equity, and the Tangible Common Equity ratio. Any realized securities losses impact our regulatory capital ratios. For more information, refer to “ Market Risk ” section of the MD&A. | 2025 Form 10-K 31
- 1.05 % 0.99 % 1.04 % | Return on average common shareholders’ equity | 10.8 10.4 11.2
- 10.8 10.4 11.2 | Return on average tangible common shareholders’ equity (1) | 15.7 15.7 17.6
- (1) Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred taxes and calculated assuming a 21% tax rate. | (2) Calculated on an FTE basis, which represents a non-GAAP measure, assuming a 21% tax rate.
- Average Balance Sheet / Net Interest Income | Our primary source of revenue is net interest income, which is the difference between interest income from earning assets (primarily loans and leases and securities), and interest expense from funding sources (primarily interest-bearing deposits and borrowings). Earning asset balances and related funding sources, as well as changes in the levels of interest rates, impact net interest income. The difference between the average yield on earning assets and the average rate paid for interest-bearing
Antal aktier
- Per Share | Maximum Number of Shares (or | Approximate Dollar Value) that
- 2,250,000,000 2,250,000,000 | Common shares outstanding 1,567,732,506 1,453,635,809 | Treasury shares outstanding 7,187,541 6,984,102
- Common shares outstanding 1,567,732,506 1,453,635,809 | Treasury shares outstanding 7,187,541 6,984,102 | Preferred stock, authorized shares 6,617,808 6,617,808
- Preferred stock, authorized shares 6,617,808 6,617,808 | Preferred shares outstanding 885,000 877,500
- (dollar amounts in millions) Carrying Amount | Series Issuance Date Shares Outstanding Dividend Rate Earliest Optional Redemption Date (1) December 31, 2025 December 31, 2024 | Series B (2) 12/28/2011 35,500 Variable (3) 1/15/2017 $ 24 $ 23
- (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive. | 142 Huntington Bancshares Incorporated
- Huntington has a defined contribution plan that is available to eligible employees. Huntington’s expense related to the defined contribution plans for the years ended December 31, 2025, 2024, and 2023 was $ 69 million, $ 61 million, and $ 61 million, respectively. | The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan.
- Name and Title Character of Trading Arrangement (1) Date Adopted Duration (2) Aggregate Number of Shares of Common Stock to be Sold Pursuant to Trading Arrangement (3)
Antal anställda
- CCB Capital Conservation Buffer FTE Fully-Taxable Equivalent | CCPA California Consumer Privacy Act of 2018, as amended by the California Privacy Act of 2020 FTP Funds Transfer Pricing
- Anti-Money Laundering | The Bank Secrecy Act, as amended by the Patriot Act and Anti-Money Laundering Act of 2020, contains anti-money laundering and financial transparency provisions intended to detect and prevent the use of the U.S. financial system for money laundering and terrorist financing activities. The Bank Secrecy Act requires financial institutions such as depository institutions to undertake activities, including maintaining an AML program, verifying the identity of customers, verifying the identity of cert | The Anti-Money Laundering Act of 2020, enacted as part of the National Defense Authorization Act, requires the U.S. Treasury to issue National Anti-Money Laundering and Countering the Financing of Terrorism Priorities, and conduct studies and issue regulations that may, over the next few years, significantly alter some of the due diligence, recordkeeping, and reporting requirements that the Bank Secrecy Act imposes on banks. The Anti-Money Laundering Act of 2020 also contains provisions that pro
- Compensation | Our compensation practices are subject to oversight by the Federal Reserve and, with respect to some of our subsidiaries and employees, by other financial regulatory bodies. The scope and content of compensation regulation in the financial industry are continuing to develop, and we expect that these regulations and resulting market practices will continue to evolve over a number of years. | The federal bank regulatory agencies have issued joint guidance on executive compensation designed to ensure that the incentive compensation policies of banking organizations, such as Huntington and the Bank, do not encourage imprudent risk taking and are consistent with the safety and soundness of the organization. The SEC has a rule that directs stock exchanges to require listed companies to implement clawback policies to recover incentive-based compensation from current or former executive of
- Our operational or security systems or infrastructure, or those of third parties, could fail or be breached, which could disrupt our business and adversely impact our operations, liquidity, and financial condition, as well as cause legal or reputational harm. | The potential for operational risk exposure exists throughout our business and, as a result of our interactions with, and reliance on, third parties, is not limited to our own internal operational functions. Our operational and security systems and infrastructure, including our computer systems, data management, and internal processes, as well as those of third parties, are integral to our performance. We rely on our employees and third parties in our day-to-day and ongoing operations, who may, | We face indirect technology, cybersecurity, data privacy and operational risks relating to the contractors, customers, clients, and other third parties with which we do business or upon which we rely to facilitate or enable our business activities, including, for example, financial counterparties, regulators, and providers of critical infrastructure such as internet access and electrical power. As a result of increasing consolidation, interdependence, and complexity of financial entities and tec
- Our computer and data management systems and network infrastructure, and those of third parties on which we are highly dependent, are subject to cybersecurity risks and could be susceptible to cyber-attacks or other information or security breaches. Our business relies on the secure processing, transmission, storage, and retrieval of confidential, proprietary, personal, and other information in our computer and data management systems and network infrastructure, and in the computer and data mana | We, along with our customers, regulators, and other third parties, including other financial services institutions and companies engaged in data processing, have been subject to, and are likely to continue to be the target of, cyber-attacks or other information or security breaches. These cyber-attacks or other information or security breaches include computer viruses, denial of service attacks, hacking, social engineering attacks (including phishing and smishing attacks) targeting our colleague | 2025 Form 10-K 35
- Prior to completion of the Cadence Merger on February 1, 2026, Huntington and Cadence operated independently. It is possible that the integration process could result in the loss of key employees, the disruption of each company’s ongoing businesses or inconsistencies in standards, controls, procedures, and policies that adversely affect the companies’ ability to maintain relationships with clients, customers, depositors, and colleagues or to achieve the anticipated benefits and cost savings of t | The future results of the combined company following the Cadence Merger may suffer if the combined company does not effectively manage its expanded operations.
- The combined company may be unable to retain Huntington or Cadence personnel successfully. | The success of the Cadence Merger will depend in part on the combined company’s ability to retain the talents and dedication of key employees currently employed by Huntington and Cadence. It is possible that these employees may decide not to remain with Huntington or Cadence, as applicable. If Huntington and Cadence are unable to retain key employees, including management, who are critical to the successful integration and future operations of the companies, Huntington and Cadence could face dis
- This MD&A provides information we believe necessary for understanding our financial condition, changes in financial condition, results of operations, and cash flows. The MD&A should be read in conjunction with the Consolidated Financial Statements , Notes to Consolidated Financial Statements , and other information contained in this report. The forward-looking statements in this section and other parts of this report involve assumptions, risks, uncertainties, and other factors, including stateme | In this MD&A we refer to FTE net interest income and FTE total revenue. These financial measures are not required by, or calculated in accordance with GAAP and may not be calculated the same as similarly titled measures used by other companies. These financial measures should thus be considered as supplemental in nature and not considered in isolation or as a substitute for the related financial information prepared in accordance with GAAP. For a further description of these non-GAAP financial m
Organisk tillväxt
- Loan and Lease Credit Exposure Mix | At December 31, 2025, our loans and leases totaled $149.6 billion, representing a $19.6 billion, or 15%, increase compared to $130.0 billion at December 31, 2024. The increase was driven by a combination of organic growth and the Veritex acquisition. As of the acquisition date, acquired loans totaled $9.3 billion, including $4.2 billion of commercial real estate loans, $4.0 billion of commercial and industrial loans, and $1.1 billion of residential mortgage loans. | The table below provides the composition of our total loan and lease portfolio.
- (This section should be read in conjunction with the “ Regulatory Matters ” section included in Part I, Item 1: Business and Note 23 - “ Other Regulatory Matters ” of the Notes to Consolidated Financial Statements.) | Our primary capital objective is to maintain appropriate levels of capital within our Board-approved risk appetite to support the Bank's operations, absorb unanticipated losses and declines in asset values, and provide protection to uninsured depositors and debt holders in the event of liquidation, while also funding organic growth and providing appropriate returns to our shareholders. We manage regulatory capital and shareholders’ equity at the Bank and on a consolidated basis. We have an activ | Regulatory Capital
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hban:ScottD.KleinmanRuleTradingArrangementCommonStockIssuableOnTheExerciseOfEmployeeStockOptionsTwoMember 2025-12-31 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 _________________________________________________________________________________________________________________________________________________________________________ FORM 10-K _________________________________________________________________________________________________________________________________________________________________________ ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31 , 2025 Commission File Number 1-34073 _________________________________________________________________________________________________________________________________________________________________________ Huntington Bancshares Incorporated (Exact name of registrant as specified in its charter) __________________________________________________________________________________________________________________________________________________________________________ Maryland 31-0724920 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 41 South High Street Columbus, Ohio 43287 (Address of principal executive offices) (Zip Code) Registrant’s telephone number, including area code ( 614 ) 480-2265 Securities registered pursuant to Section 12(b) of the Act: Title of class Trading Symbol(s) Name of exchange on which registered Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock) HBANP NASDAQ Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock) HBANM NASDAQ Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock) HBANL NASDAQ Depositary Shares (each representing a 1/1000th interest in a share of 5.50% Series L Non-Cumulative, perpetual preferred stock) HBANZ NASDAQ Common Stock—Par Value $0.01 per Share HBAN NASDAQ Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Exchange Act. x Yes ¨ No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act. ¨ Yes x No Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. x Yes ¨ No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). x Yes ¨ No Table of Contents Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large Accelerated Filer x Accelerated filer ☐ Non-accelerated filer ☐ Smaller reporting company ☐ Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ¨ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ¨ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ☐ Yes x No The aggregate market value of voting and non-voting common equity held by non-affiliates of the registrant as of June 30, 2025, determined by using a per share closing price of $16.76, as quoted by Nasdaq on that date, was approximately $ 24.1 billion. As of February 1, 2026, there were 2,029,792,391 shares of common stock with a par value of $0.01 outstanding. Documents Incorporated By Reference Part III of this Form 10-K incorporates by reference certain information from the registrant’s definitive Proxy Statement for the 2026 Annual Shareholders’ Meeting. Table of Contents TABLE OF CONTENTS HUNTINGTON BANCSHARES INCORPORATED 2025 FORM 10-K ANNUAL REPORT Page Number Glossary of Acronyms and Terms 5 PART I Item 1. Business 7 Competition 9 Regulatory Matters 11 Corporate Responsibility 24 Available Information 27 Item 1A. Risk Factors 28 Item 1B. Unresolved Staff Comments 46 Item 1C. Cybersecurity 46 Item 2. Properties 48 Item 3. Legal Proceedings 48 Item 4. Mine Safety Disclosures 48 PART II Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 49 Item 6. [Reserved] 50 Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 51 Introduction 51 Executive Overview 51 Discussion of Results of Operations 55 Risk Management: 61 Credit Risk 63 Market Risk 76 Liquidity Risk 79 Operational Risk 86 Compliance Risk 87 Capital 87 Business Segment Discussion 90 Additional Disclosures 93 Item 7A. Quantitative and Qualitative Disclosures About Market Risk 97 Item 8. Financial Statements and Supplementary Data 97 Consolidated Balance Sheets 101 Consolidated Statements of Income 102 Consolidated Statements of Comprehensive Income 103 Consolidated Statements of Changes in Shareholders’ Equity 104 Consolidated Statements of Cash Flows 105 N otes to Consol idated Financial Statements : 107 Note 1 - Significant Accounting Policies 107 Note 2 - Accounting Standards Update 115 Note 3 - Business Combinations 116 2025 Form 10-K 3 Table of Contents Note 4 - Investment Securities and Other Securities 120 Note 5 - Loans and Leases 124 Note 6 - Allowance for Credit Losses 133 Note 7 - Mortgage Loan Sales and Servicing Rights 134 Note 8 - Goodwill and Other Intangible Assets 135 Note 9 - Premises and Equipment 136 Note 10 - Operating Leases 136 Note 11 - Borrowings 137 Note 12 - Other Comprehensive Income 140 Note 13 - Shareholders’ Equity 141 Note 14 - Earnings Per Share 142 Note 15 - Revenue from Contracts with Customers 143 Note 16 - Share-Based Compensation 145 Note 17 - Benefit Plans 146 Note 18 - Income Taxes 149 Note 19 - Fair Values of Assets and Liabilities 152 Note 20 - Derivative Financial Instruments 162 Note 21 - Variable Interest Entities 166 Note 22 - Commitments and Contingent Liabilities 168 Note 23 - Other Regulatory Matters 170 Note 24 - Parent-Only Financial Statements 171 Note 25 - Segment Reporting 172 Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 175 Item 9A. Controls and Procedures 175 Item 9B. Other Information 175 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections. 175 PART III Item 10. Directors, Executive Officers, and Corporate Governance 176 Item 11. Executive Compensation 176 Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 176 Item 13. Certain Relationships and Related Transactions, and Director Independence 176 Item 14. Principal Accounting Fees and Services 177 PART IV Item 15. Exhibits and Financial Statement Schedules 177 Item 16. Form 10-K Summary 177 E xhibit Index 178 Signatures 180 4 Huntington Bancshares Incorporated Table of Contents Glossary of Acronyms and Terms The following listing provides a comprehensive reference of common acronyms and terms used throughout the document: 165(d) Resolution Plan A resolution plan submitted of the Federal Reserve and FDIC on behalf of a covered bank holding company pursuant to Section 165(d) of the Dodd-Frank Act DOJ Department of Justice 2024 Banking Addendum 2024 Banking Addendum to 2023 Merger Guidelines EAD Exposure at Default ACL Allowance for Credit Losses ELT Executive Leadership Team AFS Available-for-Sale EOP End of Period AI Artificial Intelligence ERM Enterprise Risk Management ALCO Asset-Liability Management Committee ESG Environmental, Social, and Governance ALLL Allowance for Loan and Lease Losses EVE Economic Value of Equity AML Anti-Money Laundering FASB Financial Accounting Standards Board AOCI Accumulated Other Comprehensive Income (Loss) FCRA Fair Credit Reporting Act ASC Accounting Standards Codification FDIA Federal Deposit Insurance Act ASU Accounting Standards Update FDIC Federal Deposit Insurance Corporation ATM Automated Teller Machine Fed Fund The targeted rate by the Federal Reserve to secure overnight funding AULC Allowance for Unfunded Lending Commitments Federal Reserve Board of Governors of the Federal Reserve System Bank Secrecy Act Financial Recordkeeping and Reporting of Currency and Foreign Transactions Act of 1970 FFIEC Federal Financial Institutions Examination Council Basel III Refers to the final rule issued by the FRB and OCC and published in the Federal Register on October 11, 2013 FHC Financial Holding Company BHC Bank Holding Company FHLB Federal Home Loan Bank BHC Act Bank Holding Company Act of 1956 FICO Fair Isaac Corporation Board Board of Directors FinCEN Financial Crimes Enforcement Network C&I Commercial and Industrial FINRA Financial Industry Regulatory Authority, Inc. Cadence Cadence Bank FRB Federal Reserve Bank CCAR Comprehensive Capital Analysis and Review FRG Financial Recovery Group CCB Capital Conservation Buffer FTE Fully-Taxable Equivalent CCPA California Consumer Privacy Act of 2018, as amended by the California Privacy Act of 2020 FTP Funds Transfer Pricing CCyB Countercyclical Capital Buffer FVO Fair Value Option CDI Core Deposit Intangible GAAP Generally Accepted Accounting Principles in the United States of America CDS Credit Default Swap GDP Gross Domestic Product CECL Current Expected Credit Losses GLBA Gramm-Leach-Bliley Act CEO Chief Executive Officer HQLA High-Quality Liquid Assets CET1 Common Equity Tier 1 HTM Held-to-Maturity CFPB Bureau of Consumer Financial Protection IDI Resolution Plan A resolution plan submitted to the FDIC on behalf of a covered insured depository institution pursuant to 12 CFR 360.10 CIRCIA Cyber Incident Reporting for Critical Infrastructure Act IRS Internal Revenue Service CISA Cybersecurity Information Sharing Act LCR Liquidity Coverage Ratio CISA Agency Cybersecurity and Infrastructure Security Agency LFI Rating System Large Financial Institution Rating System CLN Credit Linked Note LGD Loss Given Default CME Chicago Mercantile Exchange LIHTC Low Income Housing Tax Credit CMO Collateralized Mortgage Obligations LTV Loan-to-Value CODM Chief Operating Decision Maker MBS Mortgage-Backed Securities COSO Committee of Sponsoring Organizations of the Treadway Commission MD&A Management’s Discussion and Analysis of Financial Condition and Results of Operations CRA Community Reinvestment Act MSA Metropolitan Statistical Area CRE Commercial Real Estate MSR Mortgage Servicing Right DIF Deposit Insurance Fund NAICS North American Industry Classification System Dodd-Frank Act Dodd-Frank Wall Street Reform and Consumer Protection Act NALs Nonaccrual Loans 2025 Form 10-K 5 Table of Contents NCO Net Charge-off NII Net Interest Income NIM Net Interest Margin NM Not Meaningful NPAs Nonperforming Assets NSFR Net Stable Funding Ratio OCC Office of the Comptroller of the Currency OCI Other Comprehensive Income (Loss) OCR Optimal Customer Relationship OFAC Office of Foreign Assets Control OLEM Other Loans Especially Mentioned OREO Other Real Estate Owned Patriot Act Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 PCAOB Public Company Accounting Oversight Board PCD Purchased Credit Deteriorated PD Probability of Default Plan Huntington Bancshares Retirement Plan Problem Loans Includes nonaccrual loans and leases, accruing loans and leases past due 90 days or more, modified loans made to borrowers experiencing financial difficulty REIT Real Estate Investment Trust Riegle-Neal Act The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 ROC Risk Oversight Committee RV Recreational Vehicle RWA Risk-Weighted Assets SBA Small Business Administration SCB Stress Capital Buffer SCCL Single-Counterparty Credit Limit SEC Securities and Exchange Commission SOFR Secured Overnight Financing Rate SPE Special Purpose Entity TBA To Be Announced TCF TCF Financial Corporation U.S. United States of America U.S. Treasury U.S. Department of the Treasury Veritex Veritex Holdings, Inc. VIE Variable Interest Entity XBRL eXtensible Business Reporting Language 6 Huntington Bancshares Incorporated Table of Contents Huntington Bancshares Incorporated PART I When we refer to “Huntington,” “we,” “our,” “us,” and “the Company” in this Annual Report on Form 10-K (this “report”), we mean Huntington Bancshares Incorporated and our consolidated subsidiaries, unless the context indicates that we refer only to the parent company, Huntington Bancshares Incorporated. When we refer to the “Bank” or “Huntington National Bank” in this report, we mean our only bank subsidiary, The Huntington National Bank, and its subsidiaries. Item 1: Business General Business Description We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through the Bank, we are committed to making people’s lives better, helping businesses thrive, and strengthening the communities we serve, and we have been servicing the financial needs of our customers since 1866. Through our subsidiaries, we provide full-service commercial and consumer deposit, lending, and other banking and financial services. These include, but are not limited to, payments, mortgage banking, direct and indirect consumer financing, investment banking, capital markets, advisory, equipment financing, distribution finance, investment management, trust, brokerage, insurance, and other financial products and services. As of December 31, 2025, we operated more than 1,000 branches in 14 states. Following the completion of our merger with Cadence Bank on February 1, 2026, as further discussed below, we operate nearly 1,400 branches in 21 states, with certain businesses operating in extended geographies. Acquisitions and Mergers On October 20, 2025, Huntington completed the acquisition of Veritex Holdings, Inc. (“Veritex,” and such transaction, the “Veritex Merger”), a bank holding company headquartered in Dallas, Texas, whereby Veritex merged with and into Huntington, with Huntington as the surviving entity, and Veritex Community Bank merged with and into Huntington National Bank, with Huntington National Bank as the surviving entity. The transaction, which was valued at $1.7 billion, added $12.0 billion in assets, including $9.3 billion in loans, and $10.5 billion in deposits, as of the date of acquisition. On February 1, 2026, Huntington completed the acquisition of Cadence Bank (“Cadence,” and such transaction, the “Cadence Merger”), a regional bank headquartered in Houston, Texas and Tupelo, Mississippi, whereby Cadence merged with and into Huntington National Bank, with Huntington National Bank as the surviving bank. Under the terms of the agreement (the “Cadence Merger Agreement”), Huntington issued 2.475 shares for each outstanding share of Cadence in a 100% stock transaction. Based on Huntington’s closing price of $17.48 as of January 30, 2026, the consideration is valued at approximately $8.1 billion. Each outstanding share of 5.50% Series A Non-Cumulative Perpetual Preferred Stock of Cadence was converted into the right to receive 1/1000 of a share of a newly created 5.50% Series L Non-Cumulative Perpetual Preferred Stock of Huntington. As of December 31, 2025, Cadence had $54 billion in assets, including $37 billion in loans, and $44 billion in deposits. Business Segments Our business segments are based on our internally aligned segment leadership structure, which is how management monitors results and assesses performance. For each business segment, we expect the combination of our business model, investment in products and capabilities, and exceptional service to provide a competitive advantage that supports revenue and earnings growth. Our business model emphasizes the delivery of a complete set of banking products and services offered by larger banks, but distinguished by local delivery and customer service. 2025 Form 10-K 7 Table of Contents A key strategic emphasis has been for our business segments to operate in cooperation to provide products and services to our customers and to build stronger and more profitable relationships using our OCR sales and service process, which aligns to our vision to be the leading people-first, customer-centered bank in the country. The objectives of OCR are to: • Use a consultative and advisory sales approach to provide solutions that are specific to each customer; • Leverage each business segment in terms of its products and expertise to benefit customers; and • Develop prospects who may want to have multiple products and services as part of their relationship with us. Following is a description of our two business segments, Consumer & Regional Banking and Commercial Banking, along with the Treasury / Other function: • Consumer & Regional Banking: The Consumer & Regional Banking segment provides a wide array of financial products and services to consumer and business customers including, but not limited to, deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. We serve our customers through our network of regional banking and national specialty finance channels, including branches and ATMs, online and mobile banking, our customer call centers, and strategic national partnerships. We have a “Fair Play” banking philosophy: providing differentiated products and services, built on a strong foundation of customer-friendly products and advocacy. Our brand resonates with consumers and businesses, helping us acquire new customers and deepen relationships with current customers. Our Fair Play banking suite of products includes 24-Hour Grace®, Asterisk-Free Checking®, Money Scout®, $50 Safety Zone®, Standby Cash®, Early Pay, Instant Access, Savings Goal Getter®, and Huntington Heads Up®. Consumer & Regional Banking offers a comprehensive set of digitally powered consumer and business financial solutions to Consumer Finance, Regional Banking, Branch Banking, and Wealth Management customers. Consumer Finance provides direct and indirect consumer loans, as well as dealer finance loans and deposits. Direct consumer loan products, including mortgage and home equity, are originated through branch, online, and third-party channels. Indirect consumer loans are originated through deep relationships with dealerships to finance consumer purchases of automobiles, recreational vehicles, marine craft, and powersports. We also provide dealer finance loans (including floorplan loans), deposits, and other financial products to these dealerships and their owners. Regional Banking, along with our business and specialty banking offerings, is a dynamic part of our business. Regional Banking is defined as serving small to mid-sized businesses. Beyond conventional lending solutions, Huntington offers access to capital markets, practice finance, and SBA lending capabilities. In addition, our payments business provides credit and debit cards and treasury management services to our customers. Huntington continues to develop products and services that are designed specifically to meet the needs of business customers and looks for ways to help companies find solutions to their financing needs. Branch Banking provides a full range of financial products and services to consumer and business customers through our extensive branch and ATM network. Wealth Management has a comprehensive product offering, including private banking, wealth management, and legacy planning through investment and portfolio management, fiduciary administration and trust services, institutional custody services, and full-service retail brokerage investments. In addition, we offer our customers a wide variety of financial solutions, ranging from payment instruments, such as consumer and small business credit and debit cards, payables solutions, including ACH processing and account reconciliation, and receivables solutions, including remote deposit capture, billing services, and lockbox services. We offer merchant services to our business and commercial customers. We also offer our customers money movement services through payment platforms such as Real-Time Payments (RTP®) and Zelle®. 8 Huntington Bancshares Incorporated Table of Contents • Commercial Banking: The Commercial Banking segment provides expertise through bankers, capabilities, and digital channels, which includes a comprehensive set of product offerings. Our target clients span from mid-market to large corporate customers across a national footprint. The Commercial Banking segment leverages internal partnerships for wealth management, trust, insurance, payments, and treasury management capabilities. In particular, our payments capabilities continue to expand as we develop unique solutions for our diverse client segments, including Huntington ChoicePay. The Commercial Banking segment includes customers in Middle Market Banking, Corporate, Specialty, and Government Banking, Asset Finance, Commercial Real Estate Banking, Capital Markets, and National Settlements. Middle Market Banking serves the banking needs of mid-sized clients, leveraging our local presence to serve our clients, and extending our full suite of banking products including lending, liquidity, treasury management and other payment services, and capital markets. Corporate, Specialty, and Government Banking serves medium to large enterprises. We focus on specific industry verticals such as government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, Native American financial services, mortgage financial services, fund finance, and global services. Our expertise in these markets allows us to uniquely serve our clients’ sophisticated banking, capital markets, and payments requirements. Asset Finance serves our clients’ capital expenditure and working capital needs through equipment financing, asset-based lending, distribution finance, structured lending, and municipal financing solutions. Our relationship with large manufacturers is bolstered by a strong commitment to their dealers and financing needs. Commercial Real Estate Banking provides banking solutions to commercial real estate developers and institutional sponsors across the nation. Within this group, Huntington Community Development improves the quality of life for our communities and the residents of low-to-moderate income neighborhoods by developing and delivering innovative products and services to support affordable housing and neighborhood stabilization, including tax credit investments. Capital Markets delivers corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. National Settlements provides products and services to law firms, claims administrators, and regulatory agencies to assist with settlement administration. • Treasury / Other: The Treasury / Other function includes all other items not included within our two business segments, including technology and operations, as well as other unallocated assets, liabilities, revenues, and expenses. The financial results for each of our business segments are included in Note 25 - “ Segment Reporting ” of Notes to Consolidated Financial Statements and are discussed in the “ Business Segment Discussion ” of our MD&A. Competition We compete with other banks and financial services companies such as savings and loans, credit unions, and finance and trust companies, as well as mortgage banking companies, equipment and automobile financing companies (including captive automobile finance companies), insurance companies, mutual funds, investment advisors, brokerage firms, and non-bank lenders both within and outside of our primary market areas. Financial Technology Companies, or FinTechs, are also providing nontraditional, but increasingly strong, competition for our borrowers, depositors, and other customers. We compete for loans primarily on the basis of value and service by building customer relationships through addressing our customers’ entire suite of banking needs, demonstrating expertise, and providing convenience. We also consider the competitive pricing levels in each of our markets. 2025 Form 10-K 9 Table of Contents We compete for deposits similarly on the basis of value and service and by providing convenience through a banking network of branches and ATMs within our markets and our website at www.huntington.com. We employ customer-friendly practices, such as a $50 Safety Zone®, which prevents customers from being charged an overdraft fee if they overdraw by $50 or less, 24-Hour Grace® account feature for both commercial and consumer accounts, which gives customers an additional business day to cover overdrafts to their account without being charged overdraft fees, Early Pay, which allows customers with direct deposit availability to their paycheck up to two days early, Instant Access, which allows up to $500 of a check deposit available to customers immediately, and Asterisk-Free Checking, where there is no cost to open and no monthly maintenance fees. In addition, customers can qualify for Standby Cash®, which provides a $100 to $500 short-term line of credit free with automatic payments, or a 1% monthly interest charge without automatic payments, based primarily on their checking deposit history, not their credit score. Huntington also created a feature called Money Scout®, which is a tool that analyzes a customer’s spending habits and moves money that is not being used into that customer’s savings account, and has introduced tools, including The Hub and Huntington Heads Up®, to provide customers greater visibility and control over their financial future. These measures fall under our approach of “Fair Play Banking.” The table below shows our competitive ranking and market share based on deposits of FDIC-insured institutions as of June 30, 2025, in the top 10 MSAs in which we compete. MSA Rank Deposits (in millions) Market Share Columbus, OH 1 $ 51,813 44 % Detroit, MI 5 17,378 9 Cleveland, OH 2 15,900 12 Chicago, IL 11 9,658 2 Dallas-Fort Worth-Arlington, TX (1) 10 8,565 1 Minneapolis-St. Paul, MN 5 6,527 3 Indianapolis, IN 5 6,319 7 Grand Rapids, MI 1 5,740 18 Akron, OH 1 5,328 28 Pittsburgh, PA 7 4,794 2 Source: FDIC.gov, based on June 30, 2025 survey (2). (1) Market share includes deposits of Veritex, which was acquired by Huntington on October 20, 2025. (2) Excludes market share information associated with the acquisition of Cadence Bank which was completed on February 1, 2026. Many of our nonfinancial institution competitors have fewer regulatory constraints, broader geographic service areas, access to a larger pool of capital to deploy, and, in some cases, lower cost structures. In addition, competition for quality customers has intensified as a result of changes in regulation, advances in technology and product delivery systems, and consolidation among financial service providers. FinTechs continue to emerge in key areas of banking. In addition, larger established technology platform companies continue to evaluate, and in some cases, create businesses focused on banking products. We closely monitor activity in the marketplace to ensure that our products and services are technologically competitive. Further, we continue to invest in and evolve our innovation program to develop, incubate, and launch new products and services driving ongoing differentiated value for our customers. Our overall strategy involves an active corporate development program that seeks to identify partnership and possible investment opportunities in technology-driven companies that can augment our distribution and product capabilities. 10 Huntington Bancshares Incorporated Table of Contents Regulatory Matters Regulatory Environment The banking industry is highly regulated. We are subject to supervision, regulation, and examination by various federal and state regulators, including the Federal Reserve, OCC, SEC, CFPB, FDIC, FINRA, and various state regulatory agencies. The statutory and regulatory framework that governs us is generally intended to protect depositors and customers, the DIF, the U.S. banking and financial system, and financial markets as a whole. Banking statutes, regulations, and policies are continually under review by the U.S. Congress, state legislatures, and federal and state regulatory agencies. In addition to laws and regulations, state and federal bank regulatory agencies may issue policy statements, interpretive letters, and similar written guidance applicable to Huntington and its subsidiaries. Any change in the statutes, regulations, or regulatory policies applicable to us, including changes in their interpretation or implementation, could have a material effect on our business or organization. The second Trump administration has implemented significantly different policies from the Biden administration, including new proposed regulations and rescissions or withdrawals of previous guidance, and sharply reduced the workforce at the federal banking agencies. The cumulative impact of these changes, and whether they will last over time, is unclear. Huntington and the Bank each qualify as a Category IV banking organization as of December 31, 2025, which is subject to the least restrictive of the requirements among the categories, because Huntington has $100 billion or more, and less than $250 billion, in total consolidated assets and does not exceed certain risk-based thresholds. If Huntington were to exceed $250 billion in total consolidated assets when averaged over the four most recent consecutive quarters and not exceed certain risk-based thresholds, Huntington and the Bank would each qualify as a Category III banking organization, which is subject to additional requirements. Huntington’s acquisition of Cadence results in Huntington’s total consolidated assets exceeding $250 billion at closing and is expected to cause Huntington’s total average consolidated assets to exceed $250 billion in the fourth quarter of 2026, causing Huntington and the Bank to become subject to the standards applicable to Category III banking organizations, following a transition period. Our business remains subject to extensive regulation and supervision, and the U.S. banking agencies may issue additional rules to tailor the application of certain other regulatory requirements to BHCs and banks, including Huntington and the Bank. We are also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, both as administered by the SEC, as well as the rules of Nasdaq that apply to companies with securities listed on the Nasdaq Global Select Market. The following discussion describes certain elements of the comprehensive regulatory framework applicable to us. This discussion is not intended to describe all laws and regulations applicable to Huntington, the Bank, and Huntington’s other subsidiaries. Supervision, Examination, and Enforcement Huntington is a BHC under the BHC Act that has elected to be an FHC. FHCs may engage in, and be affiliated with, companies engaging in a broader range of activities than those permitted for a BHC, so long as such activities are (i) financial in nature or incidental to such financial activity or (ii) complementary to a financial activity and that do not pose a substantial risk to the safety and soundness of a depository institution or to the financial system generally. These activities include, for example, securities underwriting, securities dealing, making a market in securities, making merchant banking investments in non-financial companies, and engaging in insurance underwriting and agency activities. To become and remain eligible for FHC status, a BHC and its subsidiary depository institutions must meet certain criteria, including capital, management, and CRA requirements. Failure to meet such criteria could result, depending on which requirements were not met, in restrictions on new financial activities or acquisitions, or in being required to discontinue existing activities that are not generally permissible for BHCs. Huntington is subject to primary supervision, regulation, and examination by the Federal Reserve, which serves as the primary regulator of our consolidated organization. The primary regulators of our non-bank subsidiaries directly regulate the activities of those subsidiaries, with the Federal Reserve exercising a supervisory role. Such non-bank subsidiaries include, for example, broker-dealers and investment advisers both registered with the SEC. 2025 Form 10-K 11 Table of Contents