10-Q – 2026-04-30 – hban-20260331.htm

hban-20260331 0000049196 false 2026 Q1 12/31 0.001 http://fasb.org/us-gaap/2025#SecuredOvernightFinancingRateSofrMember http://fasb.org/us-gaap/2025#NoninterestIncome http://fasb.org/us-gaap/2025#NoninterestIncome http://fasb.org/us-gaap/2025#NoninterestIncome http://fasb.org/us-gaap/2025#NoninterestIncome http://fasb.org/us-gaap/2025#NoninterestIncome http://fasb.org/us-gaap/2025#NoninterestIncome 375 xbrli:shares iso4217:USD iso4217:USD xbrli:shares xbrli:pure utr:Rate hban:group hban:business_unit 0000049196 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesHPreferredStockMember 2026-01-01 2026-03-31 0000049196 hban:SeriesIPreferredStockMember 2026-01-01 2026-03-31 0000049196 hban:SeriesJPreferredStockMember 2026-01-01 2026-03-31 0000049196 hban:SeriesLPreferredStockMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommonStockMember 2026-01-01 2026-03-31 0000049196 2026-03-31 0000049196 2025-12-31 0000049196 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember 2026-03-31 0000049196 us-gaap:VariableInterestEntityPrimaryBeneficiaryMember 2025-12-31 0000049196 2025-01-01 2025-03-31 0000049196 hban:PaymentsAndCashManagementRevenueMember 2026-01-01 2026-03-31 0000049196 hban:PaymentsAndCashManagementRevenueMember 2025-01-01 2025-03-31 0000049196 hban:WealthAndAssetManagementRevenueMember 2026-01-01 2026-03-31 0000049196 hban:WealthAndAssetManagementRevenueMember 2025-01-01 2025-03-31 0000049196 hban:CustomerDepositAndLoanFeesMember 2026-01-01 2026-03-31 0000049196 hban:CustomerDepositAndLoanFeesMember 2025-01-01 2025-03-31 0000049196 hban:CapitalMarketFeesMember 2026-01-01 2026-03-31 0000049196 hban:CapitalMarketFeesMember 2025-01-01 2025-03-31 0000049196 hban:MortgageBankingIncomeMember 2026-01-01 2026-03-31 0000049196 hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 hban:LeasingRevenueMember 2026-01-01 2026-03-31 0000049196 hban:LeasingRevenueMember 2025-01-01 2025-03-31 0000049196 hban:InsuranceRevenueMember 2026-01-01 2026-03-31 0000049196 hban:InsuranceRevenueMember 2025-01-01 2025-03-31 0000049196 hban:GainsLossesOnSalesOfSecuritiesMember 2026-01-01 2026-03-31 0000049196 hban:GainsLossesOnSalesOfSecuritiesMember 2025-01-01 2025-03-31 0000049196 hban:OtherNoninterestIncomeMember 2026-01-01 2026-03-31 0000049196 hban:OtherNoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:PreferredStockMember 2025-12-31 0000049196 us-gaap:CommonStockMember 2025-12-31 0000049196 us-gaap:AdditionalPaidInCapitalMember 2025-12-31 0000049196 us-gaap:TreasuryStockCommonMember 2025-12-31 0000049196 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0000049196 us-gaap:RetainedEarningsMember 2025-12-31 0000049196 us-gaap:ParentMember 2025-12-31 0000049196 us-gaap:NoncontrollingInterestMember 2025-12-31 0000049196 us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 us-gaap:ParentMember 2026-01-01 2026-03-31 0000049196 us-gaap:NoncontrollingInterestMember 2026-01-01 2026-03-31 0000049196 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommonStockMember us-gaap:CommonStockMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommonStockMember us-gaap:AdditionalPaidInCapitalMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommonStockMember us-gaap:ParentMember 2026-01-01 2026-03-31 0000049196 us-gaap:AdditionalPaidInCapitalMember 2026-01-01 2026-03-31 0000049196 hban:SeriesLPreferredStockMember us-gaap:PreferredStockMember 2026-01-01 2026-03-31 0000049196 hban:SeriesLPreferredStockMember us-gaap:ParentMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommonStockMember 2026-01-01 2026-03-31 0000049196 us-gaap:TreasuryStockCommonMember 2026-01-01 2026-03-31 0000049196 us-gaap:PreferredStockMember 2026-03-31 0000049196 us-gaap:CommonStockMember 2026-03-31 0000049196 us-gaap:AdditionalPaidInCapitalMember 2026-03-31 0000049196 us-gaap:TreasuryStockCommonMember 2026-03-31 0000049196 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-03-31 0000049196 us-gaap:RetainedEarningsMember 2026-03-31 0000049196 us-gaap:ParentMember 2026-03-31 0000049196 us-gaap:NoncontrollingInterestMember 2026-03-31 0000049196 us-gaap:PreferredStockMember 2024-12-31 0000049196 us-gaap:CommonStockMember 2024-12-31 0000049196 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0000049196 us-gaap:TreasuryStockCommonMember 2024-12-31 0000049196 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000049196 us-gaap:RetainedEarningsMember 2024-12-31 0000049196 us-gaap:ParentMember 2024-12-31 0000049196 us-gaap:NoncontrollingInterestMember 2024-12-31 0000049196 2024-12-31 0000049196 us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 us-gaap:ParentMember 2025-01-01 2025-03-31 0000049196 us-gaap:NoncontrollingInterestMember 2025-01-01 2025-03-31 0000049196 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommonStockMember 2025-01-01 2025-03-31 0000049196 us-gaap:TreasuryStockCommonMember 2025-01-01 2025-03-31 0000049196 us-gaap:PreferredStockMember 2025-03-31 0000049196 us-gaap:CommonStockMember 2025-03-31 0000049196 us-gaap:AdditionalPaidInCapitalMember 2025-03-31 0000049196 us-gaap:TreasuryStockCommonMember 2025-03-31 0000049196 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-03-31 0000049196 us-gaap:RetainedEarningsMember 2025-03-31 0000049196 us-gaap:ParentMember 2025-03-31 0000049196 us-gaap:NoncontrollingInterestMember 2025-03-31 0000049196 2025-03-31 0000049196 hban:VeritexHoldingsInc.Member 2026-01-01 2026-03-31 0000049196 hban:VeritexHoldingsInc.Member 2025-01-01 2025-03-31 0000049196 hban:VeritexHoldingsInc.Member 2025-10-20 2025-10-20 0000049196 hban:VeritexHoldingsInc.Member hban:VeritexShareholdersCommonStockMember 2025-10-20 2025-10-20 0000049196 hban:VeritexHoldingsInc.Member hban:ConversionOfCertainVeritexEquityAwardsMember 2025-10-20 2025-10-20 0000049196 hban:VeritexHoldingsInc.Member us-gaap:CommonStockMember 2025-10-20 2025-10-20 0000049196 hban:VeritexHoldingsInc.Member us-gaap:StockCompensationPlanMember 2025-10-20 2025-10-20 0000049196 hban:VeritexHoldingsInc.Member 2025-10-20 0000049196 hban:CadenceBankMember 2026-02-01 2026-02-01 0000049196 hban:CadenceBankMember 2026-02-01 0000049196 hban:CadenceBankMember us-gaap:SeriesAPreferredStockMember 2026-02-01 2026-02-01 0000049196 hban:CadenceBankMember hban:SeriesLPreferredStockMember 2026-02-01 2026-02-01 0000049196 us-gaap:CommonStockMember 2026-02-01 2026-02-01 0000049196 hban:CadenceBankMember 2026-01-30 2026-01-30 0000049196 hban:CadenceBankMember us-gaap:CommonStockMember 2026-02-01 2026-02-01 0000049196 hban:CadenceBankMember us-gaap:StockCompensationPlanMember 2026-02-01 2026-02-01 0000049196 hban:CadenceBankMember us-gaap:PreferredStockMember 2026-02-01 2026-02-01 0000049196 hban:CadenceBankMember hban:FinancialAssetAcquiredWithoutPurchasedCreditDeteriorationForPurchasedSeasonedLoanMember 2026-02-01 0000049196 hban:CadenceBankMember us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember 2026-02-01 0000049196 hban:CadenceBankMember us-gaap:CoreDepositsMember 2026-02-01 0000049196 hban:VeritexAndCadenceMember 2026-01-01 2026-03-31 0000049196 hban:VeritexAndCadenceMember hban:InterestAndDividendIncomeOperatingMember 2026-01-01 2026-03-31 0000049196 hban:VeritexAndCadenceMember hban:InterestAndDividendIncomeOperatingMember 2025-01-01 2025-03-31 0000049196 hban:VeritexAndCadenceMember hban:NoninterestIncomeMember 2026-01-01 2026-03-31 0000049196 hban:VeritexAndCadenceMember hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 hban:VeritexAndCadenceMember 2025-01-01 2025-03-31 0000049196 hban:CadenceBankMember us-gaap:SeriesAPreferredStockMember 2026-02-01 0000049196 us-gaap:USTreasurySecuritiesMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember 2026-03-31 0000049196 us-gaap:CollateralizedMortgageObligationsMember 2026-03-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember 2026-03-31 0000049196 hban:OtherFederalAgenciesMember 2026-03-31 0000049196 us-gaap:USTreasuryAndGovernmentMember 2026-03-31 0000049196 us-gaap:MunicipalBondsMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember 2026-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2026-03-31 0000049196 hban:OtherSecuritiesMember 2026-03-31 0000049196 hban:NonmarketableEquitySecuritiesMember hban:InvestmentinFederalReserveStockMember 2026-03-31 0000049196 hban:NonmarketableEquitySecuritiesMember us-gaap:InvestmentInFederalHomeLoanBankStockMember 2026-03-31 0000049196 hban:EquitySecuritiesAtCostMember 2026-03-31 0000049196 us-gaap:MutualFundMember 2026-03-31 0000049196 us-gaap:EquitySecuritiesMember 2026-03-31 0000049196 us-gaap:USTreasurySecuritiesMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-12-31 0000049196 us-gaap:CollateralizedMortgageObligationsMember 2025-12-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember 2025-12-31 0000049196 hban:OtherFederalAgenciesMember 2025-12-31 0000049196 us-gaap:USTreasuryAndGovernmentMember 2025-12-31 0000049196 us-gaap:MunicipalBondsMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember 2025-12-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2025-12-31 0000049196 hban:OtherSecuritiesMember 2025-12-31 0000049196 hban:NonmarketableEquitySecuritiesMember hban:InvestmentinFederalReserveStockMember 2025-12-31 0000049196 hban:NonmarketableEquitySecuritiesMember us-gaap:InvestmentInFederalHomeLoanBankStockMember 2025-12-31 0000049196 hban:EquitySecuritiesAtCostMember 2025-12-31 0000049196 us-gaap:MutualFundMember 2025-12-31 0000049196 us-gaap:EquitySecuritiesMember 2025-12-31 0000049196 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2026-03-31 0000049196 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2025-12-31 0000049196 us-gaap:AssetPledgedAsCollateralMember 2026-03-31 0000049196 us-gaap:AssetPledgedAsCollateralMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:HomeEquityIncludingFVOMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:HomeEquityIncludingFVOMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ConsumerLoanMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ConsumerLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 hban:CommercialandIndustrialLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:FinancingLeaseMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:FinancingLeaseMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:FinancingLeaseMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:FinancingLeaseMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:FinancingLeaseMember 2026-03-31 0000049196 hban:FinancingLeaseMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:AutomobileLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 hban:CommercialandIndustrialLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:FinancingLeaseMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:FinancingLeaseMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:FinancingLeaseMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:FinancingLeaseMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:FinancingLeaseMember 2025-12-31 0000049196 hban:FinancingLeaseMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:AutomobileLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000049196 us-gaap:FinancialAssetPastDueMember 2025-12-31 0000049196 us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:PassMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:SpecialMentionMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:SubstandardMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PassMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SpecialMentionMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SubstandardMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember us-gaap:PassMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember us-gaap:SpecialMentionMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember us-gaap:SubstandardMember 2026-03-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2026-03-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2026-03-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2026-03-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2026-03-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2026-03-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2026-03-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:PassMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:SpecialMentionMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:SubstandardMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PassMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SpecialMentionMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SubstandardMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember us-gaap:PassMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember us-gaap:SpecialMentionMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember us-gaap:SubstandardMember 2025-12-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2025-12-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2025-12-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2025-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:ResidentialLoanMember 2025-12-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-12-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2025-12-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2025-12-31 0000049196 hban:FICOScoreGreaterthan750Member us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 hban:FICOScore650749Member us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 hban:FICOScoreLessthan650Member us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2025-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:FinancingLeaseMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:PaymentDeferralMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:PaymentDeferralMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PaymentDeferralMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:PaymentDeferralMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:PaymentDeferralMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:ExtendedMaturityMember 2026-01-01 2026-03-31 0000049196 us-gaap:PaymentDeferralMember 2026-01-01 2026-03-31 0000049196 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:ExtendedMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:PaymentDeferralMember 2025-01-01 2025-03-31 0000049196 us-gaap:ExtendedMaturityAndInterestRateReductionMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember srt:MinimumMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember srt:MaximumMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember srt:MinimumMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:ContractualInterestRateReductionMember srt:MaximumMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CommercialandIndustrialLoanMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember us-gaap:CommercialRealEstateMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AutomobileLoanMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember us-gaap:HomeEquityLoanMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:RVandMarineFinanceLoanMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:OtherConsumerLoanMember 2025-03-31 0000049196 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-03-31 0000049196 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-03-31 0000049196 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-03-31 0000049196 us-gaap:FinancialAssetPastDueMember 2025-03-31 0000049196 us-gaap:FinancialAssetNotPastDueMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember 2024-12-31 0000049196 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember 2025-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember 2025-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CadenceBankMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommercialPortfolioSegmentMember hban:CadenceBankMember 2026-03-31 0000049196 us-gaap:ConsumerPortfolioSegmentMember hban:CadenceBankMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageMember 2026-01-01 2026-03-31 0000049196 us-gaap:ResidentialMortgageMember 2025-01-01 2025-03-31 0000049196 us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageMember 2024-12-31 0000049196 us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageMember 2025-03-31 0000049196 hban:SensitivityAnalysisFairValueCarryingMethodMember us-gaap:ResidentialMortgageMember 2026-01-01 2026-03-31 0000049196 hban:SensitivityAnalysisFairValueCarryingMethodMember us-gaap:ResidentialMortgageMember 2026-03-31 0000049196 hban:SensitivityAnalysisFairValueCarryingMethodMember us-gaap:ResidentialMortgageMember 2025-01-01 2025-12-31 0000049196 hban:SensitivityAnalysisFairValueCarryingMethodMember us-gaap:ResidentialMortgageMember 2025-12-31 0000049196 us-gaap:OperatingSegmentsMember hban:ConsumerAndBusinessBankingMember 2025-12-31 0000049196 us-gaap:OperatingSegmentsMember hban:CommercialBankingMember 2025-12-31 0000049196 us-gaap:OperatingSegmentsMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:ConsumerAndBusinessBankingMember 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CommercialBankingMember 2026-03-31 0000049196 us-gaap:CoreDepositsMember 2026-03-31 0000049196 us-gaap:OtherIntangibleAssetsMember 2026-03-31 0000049196 us-gaap:CoreDepositsMember 2025-12-31 0000049196 us-gaap:OtherIntangibleAssetsMember 2025-12-31 0000049196 us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember 2026-03-31 0000049196 us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember 2025-12-31 0000049196 us-gaap:FederalHomeLoanBankAdvancesMember 2026-03-31 0000049196 us-gaap:FederalHomeLoanBankAdvancesMember 2025-12-31 0000049196 us-gaap:NotesPayableOtherPayablesMember 2026-03-31 0000049196 us-gaap:NotesPayableOtherPayablesMember 2025-12-31 0000049196 us-gaap:SeniorNotesMember srt:ParentCompanyMember 2026-03-31 0000049196 us-gaap:SeniorNotesMember srt:ParentCompanyMember 2025-12-31 0000049196 us-gaap:SubordinatedDebtMember srt:ParentCompanyMember 2026-03-31 0000049196 us-gaap:SubordinatedDebtMember srt:ParentCompanyMember 2025-12-31 0000049196 srt:ParentCompanyMember 2026-03-31 0000049196 srt:ParentCompanyMember 2025-12-31 0000049196 us-gaap:SeniorNotesMember srt:NonGuarantorSubsidiariesMember 2026-03-31 0000049196 us-gaap:SeniorNotesMember srt:NonGuarantorSubsidiariesMember 2025-12-31 0000049196 us-gaap:SubordinatedDebtMember srt:NonGuarantorSubsidiariesMember 2026-03-31 0000049196 us-gaap:SubordinatedDebtMember srt:NonGuarantorSubsidiariesMember 2025-12-31 0000049196 srt:NonGuarantorSubsidiariesMember 2026-03-31 0000049196 srt:NonGuarantorSubsidiariesMember 2025-12-31 0000049196 us-gaap:FederalHomeLoanBankAdvancesMember 2026-03-31 0000049196 us-gaap:FederalHomeLoanBankAdvancesMember 2025-12-31 0000049196 us-gaap:UnsecuredDebtMember 2026-03-31 0000049196 us-gaap:UnsecuredDebtMember 2025-12-31 0000049196 us-gaap:SecuredDebtMember 2026-03-31 0000049196 us-gaap:SecuredDebtMember 2025-12-31 0000049196 us-gaap:NotesPayableOtherPayablesMember 2026-03-31 0000049196 us-gaap:NotesPayableOtherPayablesMember 2025-12-31 0000049196 hban:HuntingtonNationalBankUnsecuredNotesMaturingMay202032Member us-gaap:UnsecuredDebtMember 2026-03-31 0000049196 hban:FixedToFloatingSeniorNotesDueApril122028Member us-gaap:SeniorNotesMember 2026-03-31 0000049196 hban:FixedRateSubordinatedNoteDueJanuary282041Member us-gaap:SubordinatedDebtMember 2026-03-31 0000049196 hban:FixedToFloatingSeniorNotesDueApril122028Member us-gaap:SeniorNotesMember 2025-01-01 2025-03-31 0000049196 hban:HuntingtonNationalBankUnsecuredNotesMaturingMarch2033Member us-gaap:UnsecuredDebtMember 2025-09-30 0000049196 hban:HuntingtonNationalBankUnsecuredNotesMaturingMarch2033Member srt:MinimumMember us-gaap:UnsecuredDebtMember 2025-07-01 2025-09-30 0000049196 hban:HuntingtonNationalBankUnsecuredNotesMaturingMarch2033Member srt:MaximumMember us-gaap:UnsecuredDebtMember 2025-07-01 2025-09-30 0000049196 hban:HuntingtonNationalBankUnsecuredNotesMaturingMarch2033Member srt:WeightedAverageMember us-gaap:UnsecuredDebtMember 2025-07-01 2025-09-30 0000049196 hban:HuntingtonNationalBankUnsecuredNotesMaturingMarch2033Member us-gaap:SecuredDebtMember 2025-09-30 0000049196 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-01-01 2026-03-31 0000049196 us-gaap:DebtSecuritiesMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-01-01 2026-03-31 0000049196 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-01-01 2026-03-31 0000049196 us-gaap:CashFlowHedgingMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-01-01 2026-03-31 0000049196 hban:AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember 2026-01-01 2026-03-31 0000049196 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2026-01-01 2026-03-31 0000049196 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-03-31 0000049196 us-gaap:DebtSecuritiesMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-03-31 0000049196 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-03-31 0000049196 us-gaap:CashFlowHedgingMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-03-31 0000049196 hban:AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember 2025-01-01 2025-03-31 0000049196 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-12-31 0000049196 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-12-31 0000049196 hban:AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember 2025-12-31 0000049196 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-12-31 0000049196 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-03-31 0000049196 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-03-31 0000049196 hban:AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember 2026-03-31 0000049196 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2026-03-31 0000049196 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-12-31 0000049196 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0000049196 hban:AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember 2024-12-31 0000049196 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2024-12-31 0000049196 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-01-01 2025-03-31 0000049196 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-03-31 0000049196 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-03-31 0000049196 hban:AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember 2025-03-31 0000049196 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2025-03-31 0000049196 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-03-31 0000049196 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesBPreferredStockMember 2026-03-31 0000049196 us-gaap:SeriesBPreferredStockMember 2025-12-31 0000049196 us-gaap:SeriesFPreferredStockMember 2026-03-31 0000049196 us-gaap:SeriesFPreferredStockMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesFPreferredStockMember 2025-12-31 0000049196 us-gaap:SeriesGPreferredStockMember 2026-03-31 0000049196 us-gaap:SeriesGPreferredStockMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesGPreferredStockMember 2025-12-31 0000049196 us-gaap:SeriesHPreferredStockMember 2026-03-31 0000049196 us-gaap:SeriesHPreferredStockMember 2025-12-31 0000049196 hban:SeriesIPreferredStockMember 2026-03-31 0000049196 hban:SeriesIPreferredStockMember 2025-12-31 0000049196 hban:SeriesJPreferredStockMember 2026-03-31 0000049196 hban:SeriesJPreferredStockMember 2025-12-31 0000049196 hban:SeriesKPreferredStockMember 2026-03-31 0000049196 hban:SeriesKPreferredStockMember 2026-01-01 2026-03-31 0000049196 hban:SeriesKPreferredStockMember 2025-12-31 0000049196 hban:SeriesLPreferredStockMember 2026-03-31 0000049196 hban:SeriesLPreferredStockMember 2025-12-31 0000049196 hban:SeriesBHAndJPreferredStockMember 2026-03-31 0000049196 hban:SeriesFAndGPreferredStockMember 2026-03-31 0000049196 us-gaap:SeriesBPreferredStockMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesBPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesBPreferredStockMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesBPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesFPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesFPreferredStockMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesFPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesGPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesGPreferredStockMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesGPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesHPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 us-gaap:SeriesHPreferredStockMember 2025-01-01 2025-03-31 0000049196 us-gaap:SeriesHPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 hban:SeriesIPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 hban:SeriesIPreferredStockMember 2025-01-01 2025-03-31 0000049196 hban:SeriesIPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 hban:SeriesJPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 hban:SeriesJPreferredStockMember 2025-01-01 2025-03-31 0000049196 hban:SeriesJPreferredStockMember us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000049196 hban:SeriesKPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 hban:SeriesLPreferredStockMember us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000049196 us-gaap:EmployeeStockOptionMember 2026-01-01 2026-03-31 0000049196 us-gaap:EmployeeStockOptionMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CardsAndPaymentProcessingRevenueMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CardsAndPaymentProcessingRevenueMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:CardsAndPaymentProcessingRevenueMember 2026-01-01 2026-03-31 0000049196 hban:CardsAndPaymentProcessingRevenueMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:TrustAndInvestmentManagementServicesRevenueMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:TrustAndInvestmentManagementServicesRevenueMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:TrustAndInvestmentManagementServicesRevenueMember 2026-01-01 2026-03-31 0000049196 hban:TrustAndInvestmentManagementServicesRevenueMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:ServiceChargesRevenueMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:ServiceChargesRevenueMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:ServiceChargesRevenueMember 2026-01-01 2026-03-31 0000049196 hban:ServiceChargesRevenueMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CapitalMarketFeesMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CapitalMarketFeesMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:CapitalMarketFeesMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:LeasingRevenueMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:LeasingRevenueMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:LeasingRevenueMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:InsuranceRevenueMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:InsuranceRevenueMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:InsuranceRevenueMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:OtherRevenueMember hban:ConsumerAndBusinessBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:OtherRevenueMember hban:CommercialBankingMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:OtherRevenueMember 2026-01-01 2026-03-31 0000049196 hban:OtherRevenueMember 2026-01-01 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember 2026-01-01 2026-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CardsAndPaymentProcessingRevenueMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CardsAndPaymentProcessingRevenueMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:CardsAndPaymentProcessingRevenueMember 2025-01-01 2025-03-31 0000049196 hban:CardsAndPaymentProcessingRevenueMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:TrustAndInvestmentManagementServicesRevenueMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:TrustAndInvestmentManagementServicesRevenueMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:TrustAndInvestmentManagementServicesRevenueMember 2025-01-01 2025-03-31 0000049196 hban:TrustAndInvestmentManagementServicesRevenueMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:ServiceChargesRevenueMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:ServiceChargesRevenueMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:ServiceChargesRevenueMember 2025-01-01 2025-03-31 0000049196 hban:ServiceChargesRevenueMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CapitalMarketFeesMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CapitalMarketFeesMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:CapitalMarketFeesMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:LeasingRevenueMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:LeasingRevenueMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:LeasingRevenueMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:InsuranceRevenueMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:InsuranceRevenueMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:InsuranceRevenueMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:OtherRevenueMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:OtherRevenueMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember hban:OtherRevenueMember 2025-01-01 2025-03-31 0000049196 hban:OtherRevenueMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:ConsumerAndBusinessBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:OperatingSegmentsMember hban:CommercialBankingMember 2025-01-01 2025-03-31 0000049196 us-gaap:CorporateNonSegmentMember 2025-01-01 2025-03-31 0000049196 us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2026-03-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 hban:OtherFederalAgenciesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 hban:OtherFederalAgenciesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 hban:OtherFederalAgenciesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:MunicipalBondsMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:MunicipalBondsMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:MunicipalBondsMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:OtherDebtSecuritiesMember 2026-03-31 0000049196 us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2025-12-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:CommercialMortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 hban:OtherFederalAgenciesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 hban:OtherFederalAgenciesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 hban:OtherFederalAgenciesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:MunicipalBondsMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:MunicipalBondsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:MunicipalBondsMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:OtherDebtSecuritiesMember 2025-12-31 0000049196 hban:MortgageServicingRightsMember 2025-12-31 0000049196 us-gaap:MunicipalBondsMember 2025-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2025-12-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2025-12-31 0000049196 hban:LoansheldforinvestmentMember 2025-12-31 0000049196 hban:MortgageServicingRightsMember 2026-01-01 2026-03-31 0000049196 us-gaap:MunicipalBondsMember 2026-01-01 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2026-01-01 2026-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2026-01-01 2026-03-31 0000049196 hban:LoansheldforinvestmentMember 2026-01-01 2026-03-31 0000049196 hban:CadenceBankMember hban:MortgageServicingRightsMember 2026-01-01 2026-03-31 0000049196 hban:CadenceBankMember 2026-01-01 2026-03-31 0000049196 hban:CadenceBankMember us-gaap:MunicipalBondsMember 2026-01-01 2026-03-31 0000049196 hban:CadenceBankMember us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2026-01-01 2026-03-31 0000049196 hban:CadenceBankMember us-gaap:AssetBackedSecuritiesMember 2026-01-01 2026-03-31 0000049196 hban:CadenceBankMember hban:LoansheldforinvestmentMember 2026-01-01 2026-03-31 0000049196 hban:MortgageServicingRightsMember 2026-03-31 0000049196 us-gaap:MunicipalBondsMember 2026-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2026-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2026-03-31 0000049196 hban:LoansheldforinvestmentMember 2026-03-31 0000049196 hban:MortgageServicingRightsMember 2024-12-31 0000049196 us-gaap:MunicipalBondsMember 2024-12-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2024-12-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2024-12-31 0000049196 hban:LoansheldforinvestmentMember 2024-12-31 0000049196 hban:MortgageServicingRightsMember 2025-01-01 2025-03-31 0000049196 us-gaap:MunicipalBondsMember 2025-01-01 2025-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2025-01-01 2025-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2025-01-01 2025-03-31 0000049196 hban:LoansheldforinvestmentMember 2025-01-01 2025-03-31 0000049196 hban:MortgageServicingRightsMember hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:MunicipalBondsMember hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 hban:LoansheldforinvestmentMember hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 hban:MortgageServicingRightsMember hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:MunicipalBondsMember hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 hban:LoansheldforinvestmentMember hban:NoninterestIncomeMember 2025-01-01 2025-03-31 0000049196 hban:MortgageServicingRightsMember 2025-03-31 0000049196 us-gaap:MunicipalBondsMember 2025-03-31 0000049196 us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember 2025-03-31 0000049196 us-gaap:AssetBackedSecuritiesMember 2025-03-31 0000049196 hban:LoansheldforinvestmentMember 2025-03-31 0000049196 hban:MortgagesHeldForSaleMember 2026-03-31 0000049196 hban:MortgagesHeldForSaleMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 hban:MortgagesHeldToMaturityMember 2026-03-31 0000049196 hban:MortgagesHeldToMaturityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0000049196 hban:MortgagesHeldForSaleMember 2025-12-31 0000049196 hban:MortgagesHeldForSaleMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000049196 hban:MortgagesHeldToMaturityMember 2025-12-31 0000049196 hban:MortgagesHeldToMaturityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0000049196 hban:MortgagesHeldForSaleMember 2026-01-01 2026-03-31 0000049196 hban:MortgagesHeldForSaleMember 2025-01-01 2025-03-31 0000049196 hban:MortgagesHeldToMaturityMember 2026-01-01 2026-03-31 0000049196 hban:MortgagesHeldToMaturityMember 2025-01-01 2025-03-31 0000049196 us-gaap:UnsecuredDebtMember 2026-01-01 2026-03-31 0000049196 us-gaap:UnsecuredDebtMember 2025-01-01 2025-03-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:ChangeDuringPeriodFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2026-01-01 2026-03-31 0000049196 us-gaap:ChangeDuringPeriodFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-01-01 2025-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember hban:MeasurementInputOptionAdjustedSpreadMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember hban:MeasurementInputOptionAdjustedSpreadMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember hban:MeasurementInputOptionAdjustedSpreadMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2026-03-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember hban:MeasurementInputOptionAdjustedSpreadMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember hban:MeasurementInputOptionAdjustedSpreadMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2025-12-31 0000049196 us-gaap:ResidentialMortgageBackedSecuritiesMember hban:MeasurementInputOptionAdjustedSpreadMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDefaultRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDefaultRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDefaultRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2026-03-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDefaultRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MinimumMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDefaultRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:MaximumMember 2025-12-31 0000049196 us-gaap:CorporateDebtSecuritiesMember us-gaap:MeasurementInputDefaultRateMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember srt:WeightedAverageMember 2025-12-31 0000049196 hban:AmortizedCostMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-03-31 0000049196 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-03-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2026-03-31 0000049196 hban:FairValueFairValueOptionMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-03-31 0000049196 hban:LowerOfCostOrMarketMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-03-31 0000049196 hban:AmortizedCostMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0000049196 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-12-31 0000049196 hban:FairValueFairValueOptionMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0000049196 hban:LowerOfCostOrMarketMember us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2026-03-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2026-03-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000049196 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-03-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedIncomeAndOtherAssetsMember 2026-03-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedExpensesAndOtherLiabilitiesMember 2026-03-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedIncomeAndOtherAssetsMember 2025-12-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedExpensesAndOtherLiabilitiesMember 2025-12-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-03-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedIncomeAndOtherAssetsMember 2026-03-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedExpensesAndOtherLiabilitiesMember 2026-03-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedIncomeAndOtherAssetsMember 2025-12-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedExpensesAndOtherLiabilitiesMember 2025-12-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:InterestRateContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:ForeignExchangeContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:EquityContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:EquityContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:EquityContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:EquityContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:CommodityContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:CommodityContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:CommodityContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:CommodityContractMember hban:AccruedExpensesAndOtherLiabilitiesMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:CreditRiskContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2026-03-31 0000049196 us-gaap:CreditRiskContractMember hban:AccruedIncomeAndOtherAssetsMember 2026-03-31 0000049196 us-gaap:CreditRiskContractMember hban:AccruedExpensesAndOtherLiabilitiesMember 2026-03-31 0000049196 us-gaap:CreditRiskContractMember hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000049196 us-gaap:CreditRiskContractMember hban:AccruedIncomeAndOtherAssetsMember 2025-12-31 0000049196 us-gaap:CreditRiskContractMember hban:AccruedExpensesAndOtherLiabilitiesMember 2025-12-31 0000049196 hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2026-03-31 0000049196 hban:AccruedIncomeAndOtherAssetsMember 2026-03-31 0000049196 hban:AccruedExpensesAndOtherLiabilitiesMember 2026-03-31 0000049196 hban:AccruedIncomeAndOtherAssetsMember us-gaap:NondesignatedMember 2025-12-31 0000049196 hban:AccruedIncomeAndOtherAssetsMember 2025-12-31 0000049196 hban:AccruedExpensesAndOtherLiabilitiesMember 2025-12-31 0000049196 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:CapitalMarketFeesMember 2026-01-01 2026-03-31 0000049196 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:CapitalMarketFeesMember 2025-01-01 2025-03-31 0000049196 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:MortgageBankingIncomeMember 2026-01-01 2026-03-31 0000049196 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:MortgageBankingIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:CapitalMarketFeesMember 2026-01-01 2026-03-31 0000049196 us-gaap:ForeignExchangeContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:CapitalMarketFeesMember 2025-01-01 2025-03-31 0000049196 us-gaap:EquityContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember us-gaap:OtherExpenseMember 2026-01-01 2026-03-31 0000049196 us-gaap:EquityContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember us-gaap:OtherExpenseMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommodityContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:CapitalMarketFeesMember 2026-01-01 2026-03-31 0000049196 us-gaap:CommodityContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember hban:CapitalMarketFeesMember 2025-01-01 2025-03-31 0000049196 us-gaap:CreditRiskContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember us-gaap:OtherIncomeMember 2026-01-01 2026-03-31 0000049196 us-gaap:CreditRiskContractMember us-gaap:NondesignatedMember us-gaap:FairValueHedgingMember us-gaap:OtherIncomeMember 2025-01-01 2025-03-31 0000049196 us-gaap:FairValueHedgingMember us-gaap:NondesignatedMember 2026-01-01 2026-03-31 0000049196 us-gaap:FairValueHedgingMember us-gaap:NondesignatedMember 2025-01-01 2025-03-31 0000049196 us-gaap:SecuritiesInvestmentMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2026-03-31 0000049196 us-gaap:SecuritiesInvestmentMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2026-03-31 0000049196 us-gaap:SecuritiesInvestmentMember us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember 2026-03-31 0000049196 us-gaap:SecuritiesInvestmentMember 2026-03-31 0000049196 us-gaap:LoansPayableMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2026-03-31 0000049196 us-gaap:LoansPayableMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2026-03-31 0000049196 us-gaap:LoansPayableMember us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember 2026-03-31 0000049196 us-gaap:LoansPayableMember 2026-03-31 0000049196 us-gaap:DesignatedAsHedgingInstrumentMember hban:OtherLongTermDebtMember us-gaap:FairValueHedgingMember 2026-03-31 0000049196 us-gaap:DesignatedAsHedgingInstrumentMember hban:OtherLongTermDebtMember us-gaap:CashFlowHedgingMember 2026-03-31 0000049196 us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember hban:OtherLongTermDebtMember 2026-03-31 0000049196 hban:OtherLongTermDebtMember 2026-03-31 0000049196 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-03-31 0000049196 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2026-03-31 0000049196 us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember 2026-03-31 0000049196 us-gaap:SecuritiesInvestmentMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000049196 us-gaap:SecuritiesInvestmentMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000049196 us-gaap:SecuritiesInvestmentMember us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember 2025-12-31 0000049196 us-gaap:SecuritiesInvestmentMember 2025-12-31 0000049196 us-gaap:LoansPayableMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2025-12-31 0000049196 us-gaap:LoansPayableMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2025-12-31 0000049196 us-gaap:LoansPayableMember us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember 2025-12-31 0000049196 us-gaap:LoansPayableMember 2025-12-31 0000049196 us-gaap:DesignatedAsHedgingInstrumentMember hban:OtherLongTermDebtMember us-gaap:FairValueHedgingMember 2025-12-31 0000049196 us-gaap:DesignatedAsHedgingInstrumentMember hban:OtherLongTermDebtMember us-gaap:CashFlowHedgingMember 2025-12-31 0000049196 us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember hban:OtherLongTermDebtMember 2025-12-31 0000049196 hban:OtherLongTermDebtMember 2025-12-31 0000049196 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000049196 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000049196 us-gaap:NotDesignatedAsHedgingInstrumentEconomicHedgeMember 2025-12-31 0000049196 hban:InvestmentSecuritiesMember 2026-03-31 0000049196 hban:InvestmentSecuritiesMember hban:InterestincomeavailableforsalesecuritiestaxableMember 2026-01-01 2026-03-31 0000049196 hban:InvestmentSecuritiesMember hban:InterestincomeavailableforsalesecuritiestaxableMember 2025-01-01 2025-03-31 0000049196 hban:HedgedinvestmentsecuritiesMember hban:InterestincomeavailableforsalesecuritiestaxableMember 2026-01-01 2026-03-31 0000049196 hban:HedgedinvestmentsecuritiesMember hban:InterestincomeavailableforsalesecuritiestaxableMember 2025-01-01 2025-03-31 0000049196 hban:SubordinatedNotesMember hban:InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember 2026-01-01 2026-03-31 0000049196 hban:SubordinatedNotesMember hban:InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember 2025-01-01 2025-03-31 0000049196 hban:HedgedSubordinatedNotesMember hban:InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember 2026-01-01 2026-03-31 0000049196 hban:HedgedSubordinatedNotesMember hban:InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember 2025-01-01 2025-03-31 0000049196 us-gaap:InterestRateContractMember us-gaap:SecuritiesInvestmentMember 2026-03-31 0000049196 us-gaap:InterestRateContractMember us-gaap:SecuritiesInvestmentMember 2025-12-31 0000049196 hban:SubordinatedNotesMember hban:OtherLongTermDebtMember 2026-03-31 0000049196 hban:SubordinatedNotesMember hban:OtherLongTermDebtMember 2025-12-31 0000049196 hban:DerivativeUsedInMortgageBankingActivitiesMember 2026-03-31 0000049196 hban:DerivativeUsedInMortgageBankingActivitiesMember 2025-12-31 0000049196 hban:CommitmentstoSellLoansMember 2026-03-31 0000049196 hban:CommitmentstoSellLoansMember 2025-12-31 0000049196 hban:DerivativeUsedInMortgageBankingActivitiesMember 2026-01-01 2026-03-31 0000049196 hban:DerivativeUsedInMortgageBankingActivitiesMember 2025-01-01 2025-03-31 0000049196 hban:DerivativeUsedInTradingActivityMember 2026-03-31 0000049196 hban:DerivativeUsedInTradingActivityMember 2025-12-31 0000049196 hban:LowIncomeHousingTaxCreditPartnersMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2026-03-31 0000049196 hban:TrustPreferredSecuritiesMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2026-03-31 0000049196 us-gaap:OtherInvestmentsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2026-03-31 0000049196 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2026-03-31 0000049196 hban:LowIncomeHousingTaxCreditPartnersMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-12-31 0000049196 hban:TrustPreferredSecuritiesMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-12-31 0000049196 us-gaap:OtherInvestmentsMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-12-31 0000049196 us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-12-31 0000049196 hban:LowIncomeHousingTaxCreditPartnersMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2026-01-01 2026-03-31 0000049196 hban:LowIncomeHousingTaxCreditPartnersMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-01-01 2025-03-31 0000049196 hban:ProportionalAmortizationMethodMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2026-01-01 2026-03-31 0000049196 hban:ProportionalAmortizationMethodMember us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember 2025-01-01 2025-03-31 0000049196 us-gaap:CommercialLoanMember 2026-03-31 0000049196 us-gaap:CommercialLoanMember 2025-12-31 0000049196 us-gaap:ConsumerLoanMember 2026-03-31 0000049196 us-gaap:ConsumerLoanMember 2025-12-31 0000049196 us-gaap:CommercialRealEstateMember 2026-03-31 0000049196 us-gaap:CommercialRealEstateMember 2025-12-31 0000049196 us-gaap:StandbyLettersOfCreditMember 2026-03-31 0000049196 us-gaap:StandbyLettersOfCreditMember 2025-12-31 0000049196 srt:MinimumMember 2026-03-31 0000049196 srt:MaximumMember 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember 2026-03-31 0000049196 us-gaap:CorporateNonSegmentMember 2025-12-31 0000049196 hban:MarcyHingstMember 2026-01-01 2026-03-31 0000049196 hban:MarcyHingstMember 2026-03-31

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-Q  

☒

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026
OR

  ☐

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Huntington Bancshares Incorporated
(Exact name of registrant as specified in its charter)

Maryland

1-34073

31-0724920

(State or other jurisdiction of
incorporation or organization)

(Commission
File Number)

(I.R.S. Employer
Identification No.)

Registrant’s address: 41 South High Street , Columbus , Ohio 43287
Registrant’s telephone number, including area code: ( 614 )  480-2265
Securities registered pursuant to Section 12(b) of the Act

Title of each class

Trading
Symbol(s)

Name of each 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

The Nasdaq Stock Market LLC

Depositary Shares (each representing a 1/1000th interest in a share of
5.70% Series I Non-Cumulative, perpetual preferred stock)

HBANM

The Nasdaq Stock Market LLC

Depositary Shares (each representing a 1/40th interest in a share of
6.875% Series J Non-Cumulative, perpetual preferred stock)

HBANL

The Nasdaq Stock Market LLC

Depositary Shares (each representing a 1/1000th interest in a share of
5.50% Series L Non-Cumulative, perpetual preferred stock)

HBANZ

The Nasdaq Stock Market LLC

Common Stock—Par Value $0.01 per Share

HBAN

The Nasdaq Stock Market LLC

Nasdaq Texas, LLC

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 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
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 is a shell company (as defined in Rule 12b-2 of the Act).     ☐   Yes     x   No
There were 2,027,130,587 shares of the registrant’s common stock ($0.01 par value) outstanding on March 31, 2026 .

2     Huntington Bancshares Incorporated

Table of Contents

TABLE OF CONTENTS
HUNTINGTON BANCSHARES INCORPORATED
Form 10-Q for the quarter ended March 31, 2026

Page
Number

Glossary of Acronyms and Terms

3

PART I. FINANCIAL INFORMATION

Item 1.

Financial Statements (Unaudited)

37

Consolidated Balance Sheets at March 31, 2026 and December 31, 2025

37

Consolidated Statements of Income for the three months ended March 31, 2026 and 2025

38

Consolidated Statements of Comprehensive Income for the three months ended March 31, 2026 and
2025

39

Consolidated Statements of Changes in Shareholders’ Equity for the three months ended March 31,
2026 and 2025

40

Consolidated Statements of Cash Flows for the three months ended March 31, 2026 and 2025

41

Notes to Unaudited Consolidated Financial Statements :

43

Note 1 - Basis of Presentation

43

Note 2 - Accounting Standards Update

43

Note 3 - Business Combinations

43

Note 4 - Investment Securities and Other Securities

49

Note 5 - Loans and Leases

53

Note 6 - Allowance for Credit Losses

60

Note 7 - Mortgage Loan Sales and Servicing Rights

61

Note 8 - Goodwill and Other Intangible Assets

62

Note 9 - Borrowings

62

Note 10 - Other Comprehensive Income

64

Note 11 - Shareholders’ Equity

65

Note 12 - Earnings Per Share

66

Note 13 - Revenue from Contracts with Customers

67

Note 14 - Fair Value of Assets and Liabilities

68

Note 15- Derivative Financial Instruments

75

Note 16 - Variable Interest Entities

79

Note 17 - Commitments and Contingent Liabilities

81

Note 18 - Segment Reporting

83

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

4

Introduction

4

Executive Overview

4

Discussion of Results of Operations

8

Risk Management:

12

Credit Risk

12

Market Risk

19

Liquidity Risk

22

Operational Risk

26

Compliance Risk

27

Capital

27

Business Segment Discussion

29

Additional Disclosures

32

Item 3.

Quantitative and Qualitative Disclosures about Market Risk

84

Item 4.

Controls and Procedures

84

PART II. OTHER INFORMATION

Item 1.

Legal Proceedings

84

Item 1A.

Risk Factors

84

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

85

Item 5.

Other Information

85

Item 6.

Exhibits

86

Signatures

87

2026 1Q Form 10-Q    3

Table of Contents

Glossary of Acronyms and Terms
The following listing provides a comprehensive reference of common acronyms and terms used throughout the
document:  

ACL

Allowance for Credit Losses

NAICS

North American Industry Classification System

AFS

Available-for-Sale

NALs

Nonaccrual Loans

ALCO

Asset-Liability Management Committee

NCO

Net Charge-off

ALLL

Allowance for Loan and Lease Losses

NII

Net Interest Income

AOCI

Accumulated Other Comprehensive Income (Loss)

NIM

Net Interest Margin

ASC

Accounting Standards Codification

NM

Not Meaningful

ASU

Accounting Standards Update

NPAs

Nonperforming Assets

AULC

Allowance for Unfunded Lending Commitments

OCC

Office of the Comptroller of the Currency

Basel III

Refers to the final rule issued by the FRB and OCC
and published in the Federal Register on October 11,
2013

OCI

Other Comprehensive Income (Loss)

Board

Board of Directors

OLEM

Other Loans Especially Mentioned

C&I

Commercial and Industrial

PCD

Purchased Credit Deteriorated

Cadence

Cadence Bank

ROC

Risk Oversight Committee

CDI

Core Deposit Intangible

RV

Recreational Vehicle

CDS

Credit Default Swap

SBA

Small Business Administration

CECL

Current Expected Credit Losses

SCB

Stress Capital Buffer

CET1

Common Equity Tier 1

SEC

Securities and Exchange Commission

CFPB

Bureau of Consumer Financial Protection

SOFR

Secured Overnight Financing Rate

CLN

Credit Linked Note

SPE

Special Purpose Entity

CME

Chicago Mercantile Exchange

TBA

To Be Announced

CMO

Collateralized Mortgage Obligations

U.S.

United States of America

CRE

Commercial Real Estate

U.S. Treasury

U.S. Department of the Treasury

EOP

End of Period

Veritex

Veritex Holdings, Inc.

EVE

Economic Value of Equity

VIE

Variable Interest Entity

FDIC

Federal Deposit Insurance Corporation

XBRL

eXtensible Business Reporting Language

Fed Fund

The targeted rate by the Federal Reserve to secure
overnight funding

Federal Reserve

Board of Governors of the Federal Reserve System

FFIEC

Federal Financial Institutions Examination Council

FHLB

Federal Home Loan Bank

FOMC

Federal Open Market Committee

FRB

Federal Reserve Bank

FTE

Fully-Taxable Equivalent

FTP

Funds Transfer Pricing

FVO

Fair Value Option

GAAP

Generally Accepted Accounting Principles in the
United States of America

GDP

Gross Domestic Product

HTM

Held-to-Maturity

IRS

Internal Revenue Service

Janney

Janney Montgomery Scott LLC

LIHTC

Low Income Housing Tax Credit

MBS

Mortgage-Backed Securities

MD&A

Management’s Discussion and Analysis of Financial
Condition and Results of Operations

MSR

Mortgage Servicing Right

4     Huntington Bancshares Incorporated

Table of Contents

PART I. FINANCIAL INFORMATION
When we refer to “we,” “our,” “us,” “Huntington,” and “the Company” in this Quarterly Report on Form 10-Q
(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” in this report, we mean our only bank subsidiary, The Huntington National Bank, and its subsidiaries.

Item 2: Management’s Discussion and Analysis of Financial Condition and Results of Operations

INTRODUCTION
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 March 31, 2026 , we operated over 1,400 branches in 21 states, with our Commercial and Vehicle
Finance businesses delivering expertise nationally.
This MD&A provides information we believe necessary for understanding our financial condition, changes in
financial condition, results of operations, and cash flows. This MD&A provides only material updates to the MD&A
included in our Annual Report on Form 10-K for the year ended December 31, 2025 (the “ 2025 Annual Report on
Form 10-K”), and therefore, should be read in conjunction with the 2025 Annual Report on Form 10-K. This MD&A
should also be read in conjunction with the Unaudited Consolidated Financial Statements , Notes to Unaudited
Consolidated Financial Statements , and other information contained in this report.
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 measures, see the " Non-GAAP Financial Measures " within the
“ Additional Disclosures ” section below.

EXECUTIVE OVERVIEW
Veritex and Cadence Acquisitions
Effective October 20, 2025, Huntington completed the acquisition of Veritex Holdings, Inc. (“Veritex”), a bank
holding company headquartered in Dallas, Texas, whereby Veritex merged with and into Huntington, with
Huntington as the surviving entity. Upon completion of the merger, Huntington issued 107 million shares of its
common stock to Veritex shareholders of record as of the merger date, in addition to 1 million shares issued upon
the conversion of certain Veritex equity awards, resulting in total consideration from the transaction of $1.7 billion.
Effective February 1, 2026, Huntington completed the acquisition of Cadence Bank (“Cadence”), 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. Upon completion of the merger, Huntington
issued 462 million shares of its common stock to Cadence shareholders of record as of the merger date, in addition
to the conversion of certain Cadence equity awards into Huntington equity awards. Further, each outstanding share
of 5.50% Series A Non-Cumulative Perpetual Preferred Stock of Cadence was converted into the right to receive one
depositary share representing 1/1000 of a share of a newly created 5.50% Series L Non-Cumulative Perpetual
Preferred Stock of Huntington. Consideration from the transaction totaled $8.3 billion .
Historical periods reflect results of legacy Huntington operations. Subsequent to the closing of each respective
acquisition, results reflect combined post-acquisition activity. For further information on the Veritex and Cadence
acquisitions, refer to Note 3 - “ Business Combinations ” of the Notes to Unaudited Consolidated Financial
Statements.

2026 1Q Form 10-Q    5

Table of Contents

Financial Performance Review
Selected Financial Data

Table 1 - Selected Quarterly Income Statement Data

Three Months Ended

(amounts in millions, except per share data)

March 31, 2026

March 31, 2025

Change

Amount

Percent

Interest income

$ 3,086

$ 2,489

$ 597

24 %

Interest expense

1,195

1,063

132

12

Net interest income

1,891

1,426

465

33

Provision for credit losses

158

115

43

37

Net interest income after provision for credit losses

1,733

1,311

422

32

Noninterest income

682

494

188

38

Noninterest expense

1,774

1,152

622

54

Income before income taxes

641

653

(12)

(2)

Provision for income taxes

114

122

(8)

(7)

Income after income taxes

527

531

(4)

(1)

Income attributable to non-controlling interest

4

4

—

—

Net income attributable to Huntington

523

527

(4)

(1)

Dividends on preferred shares

41

27

14

52

Net income applicable to common shares

$ 482

$ 500

$ (18)

(4) %

Average common shares—basic

1,869

1,454

415

29 %

Average common shares—diluted

1,901

1,482

419

28

Net income per common share—basic

$ 0.26

$ 0.34

$ (0.08)

(24)

Net income per common share—diluted

0.25

0.34

(0.09)

(26)

Cash dividends declared per common share

0.155

0.155

—

—

Return on average total assets

0.81 %

1.04 %

Return on average common shareholders’ equity

7.2

11.3

Return on average tangible common shareholders’ equity (1)

11.6

16.7

Net interest margin (2)

3.24

3.10

Efficiency ratio (3)

67.2

58.9

Revenue and Net Interest Income—FTE (non-GAAP)

Net interest income

$ 1,891

$ 1,426

$ 465

33 %

FTE adjustment (2)

19

15

4

27

Net interest income, FTE (non-GAAP) (2)

1,910

1,441

469

33

Noninterest income

682

494

188

38

Total revenue, FTE (non-GAAP) (2)

$ 2,592

$ 1,935

$ 657

34 %

(1) Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common
shareholders’ equity, which represents a non-GAAP measure. 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.
(3) Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding securities gains
(losses), which represents a non-GAAP measure.

6     Huntington Bancshares Incorporated

Table of Contents

Summary of 2026 First Quarter Results Compared to 2025 First Quarter
For the first quarter of 2026 , we reported net income attributable to Huntington of $523 million , or $0.25 per
diluted common share, compared with $527 million , or $0.34 per diluted common share, in the year-ago quarter.
The first quarter of 2026 reported net income was impacted by $263 million , or $210 million after tax, of acquisition-
related expenses and $8 million , or $6 million after tax, of CECL initial provision expense related to the Cadence
acquisition, which reduced diluted earnings by $0.12 per common share.
Net interest income was $1.9 billion for the first quarter of 2026 , an increase of $465 million , or 33% , from the
year-ago quarter. FTE net interest income, a non-GAAP financial measure, increased $469 million , or 33% , from the
year-ago quarter. The increase in FTE net interest income primarily reflected a $50.7 billion , or 27% , increase in
average earning assets and a 14 basis point increase in the FTE NIM to 3.24% , partially offset by a $40.1 billion , or
27% , increase in average interest-bearing liabilities. The increases in average earning assets and interest-bearing
liabilities were attributable to a combination of the Cadence and Veritex acquisitions, as well as organic growth. The
NIM increase was primarily due to a decrease in funding costs, partially offset by a decrease in yields on earning
assets.
The provision for credit losses increased $43 million , or 37% , from the year-ago quarter to $158 million in the
first quarter of 2026 . The ACL increased $890 million from the year-ago quarter to $3.4 billion , or 1.78% of total
loans and leases, in the first quarter of 2026 , compared to $2.5 billion , or 1.87% of total loans and leases, for the
year-ago quarter. The increase in the ACL was driven by the ACL recorded for loans acquired in the Cadence and
Veritex transactions, in addition to loan and lease growth, partially offset by a decrease in the overall ACL coverage
ratio.
Noninterest income, inclusive of the impact from the Cadence and Veritex acquisitions, was $682 million , an
increase of $188 million , or 38% , from the year-ago quarter. The increase in noninterest income was driven by
increases across all major noninterest income categories . Noninterest expense, inclusive of the impact from the
Cadence and Veritex acquisitions, was $1.8 billion , an increase of $622 million , or 54% , from the year-ago quarter.
The increase in noninterest expense was primarily due to $263 million of acquisition-related expenses, in addition to
higher personnel costs, outside data processing and other services, and amortization of intangibles.
Consolidated Balance Sheet and Capital Ratios as of March 31, 2026 Compared to Prior Year End
Total assets at March 31, 2026 were $285.4 billion , an increase of $60.3 billion , or 27% , compared to
December 31, 2025 . The increase in total assets was primarily driven by $51.3 billion of assets acquired as a result of
the completion of the Cadence acquisition, an increase in interest-earning deposits with banks, goodwill resulting
from the Cadence acquisition, and organic loan growth. Total liabilities at March 31, 2026 were $252.8 billion , an
increase of $52.1 billion , or 26% , compared to December 31, 2025 . The increase in total liabilities was primarily
driven by $46.5 billion of liabilities assumed as a result of the completion of the Cadence acquisition, additional
short- and long-term borrowings, and organic deposit growth.
The tangible common equity to tangible assets ratio, a non-GAAP measure, was 7.0% at March 31, 2026 , down
slightly compared to 7.1% at December 31, 2025 , as an increase in tangible common equity from current period
earnings, net of dividends, and the impact of the Cadence acquisition, were offset by a decline in AOCI, common
share repurchases, and an increase in tangible assets. The CET1 risk-based capital ratio was 10.2% at March 31,
2026 , compared to 10.4% at December 31, 2025 , with the decrease driven by the impact of the Cadence acquisition
and share repurchases, partially offset by an increase in regulatory capital from current period earnings, net of
dividends.

2026 1Q Form 10-Q    7

Table of Contents

General
Our general business objectives are to:
• Deliver our Culture, Purpose, and Vision through a Differentiated Operating Model;
• Build on our vision to be the leading People-First, Customer-Centered bank in the country;
• Deliver top quartile performance through sustainable long-term profitable growth;
• Differentiate our culture, brand, and customer experience through expanded product offerings to
drive digital acquisition, deepening, and retention, and leveraging partnerships and technology to
grow customers and market share;
• Leverage our regional banking model and national franchise to drive scale, growth and expansion;
• Anticipate evolving customer needs to drive profitable growth;
• Maintain positive operating leverage and execute disciplined capital management; and
• Provide stability and resilience through disciplined risk management, while maintaining an aggregate
moderate-to-low risk appetite.
Our quarterly results reflect continued progress across our organic growth initiatives, supported by the
combination of existing and new business, and our partnerships with Cadence and Veritex. Driven by our robust
liquidity, capital, and credit, we continued to invest in building existing business relationships, adding new
relationships, and expanding capabilities and expertise through both geographic expansion and the addition of new
commercial verticals. Credit continues to perform well, consistent with our aggregate moderate-to-low risk appetite.
Our differentiated super regional bank model, which combines national expertise with local delivery, has enabled us
to accelerate organic growth across our core footprint and expand new markets and verticals, while we remain
focused on driving our proven flywheel of value creation to deliver profitable growth and long-term value for our
customers, colleagues, and shareholders.

Economy
Economic conditions in the first quarter brought uncertainty, including global energy constraints related to U.S.
military action in the Middle East contributing to increased market volatility. Labor market conditions softened
further but did not sharply deteriorate. Payroll growth has been volatile month‑to‑month, reflecting strikes, weather
effects, and revisions, but underlying trends point to a low‑hire, low‑fire environment. Nonfarm payrolls declined in
February before rebounding in March, while the unemployment rate remained in the 4.3%–4.4% range. U.S.
economic activity in the first quarter remained resilient but uneven, supported by consumer spending and continued
investment tied to artificial intelligence and infrastructure, even as policy uncertainty and elevated energy prices
weighed on confidence.
The FOMC maintained the federal funds rate at 3.50%–3.75% in both of its first‑quarter meetings, noting
uncertainty regarding the economic effects of geopolitical events. At its March meeting, FOMC participants
projected one rate cut in 2026, while market consensus currently has none projected for the remainder of this year.
The Federal Reserve has indicated that the current federal funds rate is nearing a neutral level.
Recession risk indicators remain elevated, amid persistent energy-driven inflation pressures, softened job
growth, and ongoing geopolitical instability.
Regulatory Update
On March 19, 2026, the federal banking agencies issued a series of proposed rulemakings intended to modernize
the U.S. regulatory capital framework applicable to banking organizations of all sizes. The proposals are intended to
streamline regulatory capital requirements, enhance risk sensitivity, and better align capital levels with institutions’
underlying business models, while maintaining overall safety and soundness. For Category III and Category IV
banking organizations, such as Huntington and the Bank, the proposals focus primarily on (i) revisions to the
standardized approach for calculating risk‑based capital ratios, including a new loan‑to‑value-based framework for
residential mortgages, reduced risk weights for corporate and retail exposures, and a uniform 250% risk weight for
mortgage servicing assets rather than threshold‑based deductions, and (ii) requiring banking organizations to
recognize most elements of AOCI associated with unrealized gains and losses on certain securities in their regulatory
capital, subject to a five‑year transition period. Huntington and the Bank would have the option under the proposals
to apply the expanded risk-based approach, which would be required for Category I and II banking organizations
under the proposals, in lieu of the revised standardized approach. We are in the process of evaluating these
proposed rulemakings and their potential effects on Huntington and the Bank.

8     Huntington Bancshares Incorporated

Table of Contents

DISCUSSION OF RESULTS OF OPERATIONS
This section provides a review of financial performance on a consolidated basis. Key unaudited interim
consolidated balance sheet and unaudited interim 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 .”

Quarterly Average Balance Sheet / Net Interest Income
The following table details the change in our quarterly average balance sheet and the net interest margin.

Table 2 - Consolidated Quarterly Average Balance Sheet and Net Interest Margin Analysis

Three Months Ended March 31, 2026

Three Months Ended March 31, 2025

Average

Interest
Income/
Expense

Yield/

Average

Interest
Income/
Expense

Yield/

Change in Average
Balances

(dollar amounts in millions)

Balances

(FTE) (1)

Rate (1)(2)

Balances

(FTE) (1)

Rate (1)(2)

Amount

Percent

Assets:

Interest-earning deposits with banks

$ 15,634

$ 141

3.62 %

$ 11,632

$ 129

4.45 %

$ 4,002

34 %

Securities:

Trading account securities

235

2

3.70

487

4

3.67

(252)

(52)

Available-for-sale securities:

Taxable

28,063

258

3.67

24,245

287

4.73

3,818

16

Tax-exempt

3,441

42

4.86

3,254

42

5.22

187

6

Total available-for-sale securities

31,504

300

3.80

27,499

329

4.79

4,005

15

Held-to-maturity securities—taxable

14,975

99

2.65

16,358

108

2.64

(1,383)

(8)

Other securities

1,219

16

5.17

877

12

5.28

342

39

Total securities

47,933

417

3.48

45,221

453

4.01

2,712

6

Loans held for sale

1,190

18

6.19

584

9

6.48

606

104

Loans and leases (3):

Commercial:

Commercial and industrial

81,535

1,191

5.85

57,555

873

6.07

23,980

42

Commercial real estate

21,138

327

6.17

11,021

185

6.72

10,117

92

Lease financing

5,754

99

6.86

5,476

89

6.49

278

5

Total commercial

108,427

1,617

5.96

74,052

1,147

6.19

34,375

46

Consumer:

Residential mortgage

30,392

353

4.65

24,299

250

4.11

6,093

25

Automobile

16,056

232

5.86

14,665

207

5.71

1,391

9

Home equity

11,325

193

6.89

10,123

183

7.33

1,202

12

RV and marine

5,631

76

5.44

5,951

78

5.34

(320)

(5)

Other consumer

2,385

58

9.88

1,772

48

11.01

613

35

Total consumer

65,789

912

5.59

56,810

766

5.44

8,979

16

Total loans and leases

174,216

2,529

5.82

130,862

1,913

5.87

43,354

33

Total earning assets

238,973

3,105

5.27

188,299

2,504

5.39

50,674

27

Cash and due from banks

1,778

1,404

374

27

Goodwill and other intangible assets

9,175

5,651

3,524

62

All other assets

12,244

9,733

2,511

26

Total assets

$ 262,170

$ 205,087

$ 57,083

28 %

Liabilities and shareholders’ equity:

Interest-bearing deposits:

Demand deposits—interest-bearing

$ 52,985

$ 246

1.88 %

$ 43,582

$ 205

1.91 %

$ 9,403

22 %

Money market deposits

75,216

446

2.41

60,213

458

3.08

15,003

25

Savings deposits

18,033

30

0.68

14,866

7

0.20

3,167

21

Time deposits

22,864

198

3.50

13,993

140

4.06

8,871

63

Total interest-bearing deposits

169,098

920

2.21

132,654

810

2.48

36,444

27

Short-term borrowings

1,745

16

3.83

1,439

14

3.87

306

21

Long-term debt

20,248

259

5.09

16,901

239

5.68

3,347

20

Total interest-bearing liabilities

191,091

1,195

2.53

150,994

1,063

2.86

40,097

27

Demand deposits—noninterest-bearing

35,518

28,946

6,572

23

All other liabilities

5,624

5,102

522

10

Total liabilities

232,233

185,042

47,191

26

Total Huntington shareholders’ equity

29,896

19,997

9,899

50

Non-controlling interest

41

48

(7)

(15)

Total equity

29,937

20,045

9,892

49

Total liabilities and equity

$ 262,170

$ 205,087

$ 57,083

28 %

Net interest rate spread

2.74

2.53

Impact of noninterest-bearing funds on NIM

0.50

0.57

NII/NIM (FTE)

$ 1,910

3.24 %

$ 1,441

3.10 %

(1) Calculated on an FTE basis, which represents a non-GAAP measure, assuming a 21% tax rate.
(2) Yield/rates include the impact of applicable derivatives. Loan and lease and deposit average yield/rates also include the impact of applicable non-
deferrable and amortized fees.
(3) For purposes of this analysis, NALs are reflected in the average balances of loans and leases.

2026 1Q Form 10-Q    9

Table of Contents

Quarterly Net Interest Income
Net interest income for the first quarter of 2026 increased $465 million , or 33% , from the first quarter of 2025 .
FTE net interest income, a non-GAAP financial measure, for the first quarter of 2026 increased $469 million , or 33% ,
from the first quarter of 2025 . The increase in FTE net interest income primarily reflected a $50.7 billion , or 27% ,
increase in average earning assets and a 14 basis point increase in the FTE NIM to 3.24% , partially offset by a $40.1
billion , or 27% , increase in average interest-bearing liabilities. The increase in average earning assets and average
interest-bearing liabilities each included the impact of earning assets and interest-bearing liabilities acquired in
connection with the Cadence and Veritex transaction s, as well as organic growth. The higher NIM was driven by
lower cost of funds, partially offset by lower yields on earning assets .
Quarterly Average Balance Sheet
Average assets for the first quarter of 2026 were $262.2 billion , an increase of $57.1 billion , or 28% , from the
first quarter of 2025 . Average assets were impacted by $51.3 billion of total assets acquired in connection with the
Cadence transaction which was effective February 1, 2026, and $12.0 billion of total assets acquired in connection
with the Veritex transaction which was effective October 20, 2025. The increase in average assets was primarily due
to an increases in average loans and leases of $43.4 billion , or 33% , average interest-earning deposits with banks of
$4.0 billion , or 34% , and average goodwill and other intangible assets of $3.5 billion , or 62% . The increase in average
loans and leases, inclusive of acquired Cadence and Veritex loans and leases, included growth in average commercial
loans and leases of $34.4 billion , or 46% , and average consumer loans of $9.0 billion , or 16% . The Cadence
acquisition added $36.9 billion of loans as of the acquisition date, including $26.4 billion of commercial loans and
$10.5 billion of consumer loans. The Veritex acquisition added $9.3 billion of loans as of the acquisition date,
including $8.2 billion of commercial loans and $1.1 billion of consumer loans.
Average liabilities for the first quarter of 2026 increased $47.2 billion , or 26% , from the first quarter of 2025 .
Average liability increases were also impacted by the Cadence and Veritex acquisitions. The increase in average
liabilities was primarily due to increases in average deposits of $43.0 billion , or 27% , and average total borrowings of
$3.7 billion , or 20% . The increase in average deposits included an increase in average interest-bearing deposits of
$36.4 billion , or 27% , and an increase in noninterest-bearing deposits of $6.6 billion , or 23% . The increase in average
interest-bearing deposits was primarily due to increases in average money market, interest-bearing demand and
time deposits. The increase in average total borrowings was driven by holding company and bank debt issuances, an
increase in FHLB borrowings, and CLN transactions over the last year. The Cadence acquisition added $43.5 billion of
deposits as of the acquisition date, including $8.8 billion of noninterest-bearing deposits and $34.7 billion of
interest-bearing deposits . The Veritex acquisition added $10.5 billion of deposits as of the acquisition date, including
$2.4 billion of noninterest-bearing deposits and $8.1 billion of interest-bearing deposits. Following completion of the
acquisitions, certain higher-cost acquired Cadence and Veritex deposits were allowed to run-off in order to optimize
our funding mix.
Average shareholders’ equity for the first quarter of 2026 increased $9.9 billion , or 50% , from the first quarter of
2025 , primarily due to the impact of common stock issued in connection with the Cadence and Veritex acquisitions,
earnings, net of dividends, the impact of issued and acquired preferred stock, and the benefit from a decrease in
average accumulated other comprehensive loss.

10     Huntington Bancshares Incorporated

Table of Contents

Provision for Credit Losses
(This section should be read in conjunction with the “ Credit Risk ” section.)
The provision for credit losses for the first quarter of 2026 was $158 million , an increase of $43 million , or 37% ,
compared to the first quarter of 2025 . The increase in provision expense in the first quarter of 2026 , compared to
the first quarter of 2025 , is reflective of loan growth and higher net loan charge-offs, partially offset by a lower
overall reserve coverage. The provision for credit losses in the first quarter of 2026 also included $8 million of
expense associated with certain acquired Cadence loans that are not within the scope of ASU 2025-08, which
Huntington adopted on October 1, 2025.
The following table presents the components of the provision for credit losses.

Table 3 - Provision for Credit Losses

Three Months Ended

(dollar amounts in millions)

March 31, 2026

March 31, 2025

Provision for loan and lease losses

$ 250

$ 105

Provision (benefit) for unfunded lending commitments

(92)

13

Provision (benefit) for securities

—

(3)

Total provision for credit losses

$ 158

$ 115

Noninterest Income
The following table reflects noninterest income for each of the periods presented.

Table 4 - Noninterest Income

Three Months Ended

March 31,

March 31,

Change

(dollar amounts in millions)

2026

2025

Percent

Payments and cash management revenue

$ 187

$ 155

21 %

Wealth and asset management revenue

120

101

19

Customer deposit and loan fees

110

86

28

Capital markets and advisory fees

132

67

97

Mortgage banking income

32

31

3

Insurance income

21

20

5

Leasing revenue

13

14

(7)

Net gains (losses) on sales of securities

13

—

NM

Other noninterest income

54

20

170

Total noninterest income

$ 682

$ 494

38 %

Noninterest income for the first quarter of 2026 was $682 million , an increase of $188 million , or 38% , from the
year-ago quarter, inclusive of the impact of the Cadence and Veritex acquisitions. Capital markets and advisory fees
increased $65 million , or 97% , primarily due to higher advisory fees, which included the impact of three strategic
business units acquired from Janney in January 2026. Payments and cash management revenue increased $32
million , or 21% , driven by higher cash management and interchange revenue. Customer deposit and loan fees
increased $24 million , or 28% , primarily due to an increase in the volume of personal service charges. Wealth and
asset management revenue increased $19 million , or 19% , primarily due to higher investment management and
trust income. Other noninterest income increased $34 million largely due to the net impact of credit risk transfer
transactions, an increase in bank owned life insurance income, and changes in valuation adjustments for strategic
and other investments. In addition, the first quarter of 2026 included a $13 million gain from the sale of certain
investment securities as part of ongoing portfolio positioning.

2026 1Q Form 10-Q    11

Table of Contents

Noninterest Expense
The following table reflects noninterest expense for each of the periods presented.  

Table 5 - Noninterest Expense

Three Months Ended

March 31,

March 31,

Change

(dollar amounts in millions)

2026

2025

Percent

Personnel costs

$ 992

$ 671

48 %

Outside data processing and other services

311

170

83

Equipment

93

67

39

Net occupancy

85

65

31

Professional services

44

22

100

Marketing

37

29

28

Deposit and other insurance expense

35

37

(5)

Amortization of intangibles

41

11

273

Lease financing equipment depreciation

3

4

(25)

Other noninterest expense

133

76

75

Total noninterest expense

$ 1,774

$ 1,152

54 %

Number of employees (average full-time equivalent)

24,641

20,092

23 %

Noninterest expense in the first quarter of 2026 was $1.8 billion , an increase of $622 million , or 54% , from the
prior year. Noninterest expense for the first quarter of 2026 included $263 million of acquisition-related expenses,
as detailed in the following table. There were no acquisition-related expenses in the first quarter of 2025.

Table 6 - Impact of Acquisition-related Expenses

Three Months
Ended March 31,

(dollar amounts in millions)

2026

Personnel costs

$ 97

Outside data processing and other services

88

Equipment

19

Net occupancy

2

Professional services

18

Marketing

6

Other noninterest expense

33

Total impact of acquisition-related expenses

$ 263

Excluding acquisition-related expenses, noninterest expense for the first quarter of 2026 was $1.5 billion , an
increase of $359 million , or 31% , from the year-ago quarter, inclusive of the impact of the Cadence and Veritex
acquisitions. Personnel costs increased $224 million , or 33% , primarily due to higher salary and benefit expense.
Outside data processing and other services increased $53 million , or 31% , primarily reflecting higher technology and
data expense. Amortization of intangibles increased $30 million primarily due to the impact from the addition of
core deposit intangibles from the acquisitions. Net occupancy increased $18 million , or 28% , largely due to increases
in lease and depreciation expense. Other noninterest expense increased $24 million , or 32% , primarily due to an
increased volume of expense activity driven by the impact of the acquisitions.

12     Huntington Bancshares Incorporated

Table of Contents

Provision for Income Taxes
The provision for income taxes in the first quarter of 2026 was $114 million , compared to $122 million in the
first quarter of 2025 . Both periods included the benefits from general business credits, tax-exempt income, tax-
exempt bank-owned life insurance income, and investments in qualified affordable housing projects. The effective
tax rates for the first quarter of 2026 and first quarter of 2025 were 17.8% and 18.6% , respectively. The decreases in
both the provision for income taxes and the effective tax rate in the first quarter of 2026 , compared to the first
quarter of 2025 , related primarily to increased benefits from general business credits.
The net federal deferred tax asset was $1.1 billion , and the net state deferred tax asset was $118 million at
March 31, 2026 .
We file income tax returns with the IRS and various state, city, and foreign jurisdictions. Federal income tax
audits have been completed for tax years through 2019. T he 2020-2024 tax years remain open under the statute of
limitations. Also, with few exceptions, the Company is no longer subject to state, city, or foreign income tax
examinations for tax years before 2021.

RISK MANAGEMENT
Our Risk Governance Framework and Risk Appetite Statement are foundational to the risk management
program. The Risk Governance Framework defines the three lines of defense structure, roles, responsibilities, and
requirements. The Risk Appetite Statement is approved by our Board and defines the level and types of risks we are
willing to assume to achieve our corporate objectives through defined risk limits for the key risk categories to which
we are exposed: credit, market, liquidity, operational, compliance, and strategic. More information on our risk
management can be found in Item 1A: Risk Factors , the Risk Factors section included in Item 1A of our 2025 Annual
Report on Form 10-K, and subsequent filings with the SEC. Our definition, philosophy, and approach to risk
management have not materially changed from the discussion presented in the 2025 Annual Report on Form 10-K.

Credit Risk
Credit risk is the risk of financial loss if a counterparty is not able to meet the agreed upon terms of the financial
obligation. The majority of our credit risk is associated with lending activities, as the acceptance and management of
credit risk is central to profitable lending. A number of other products expose the Company to credit risk, including
investment securities and derivatives. Credit exposure is limited to the sum of the aggregate fair value of positions
that have become favorable to us, including any accrued interest receivable due from  counterparties. Potential
credit losses are mitigated by derivatives through central clearing parties, careful evaluation of counterparty credit
standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and
other contract provisions.
We focus on the early identification, monitoring, and management of all aspects of our credit risk. In addition to
the traditional credit risk mitigation strategies of credit policies and processes, market risk management activities,
and portfolio diversification, we use quantitative measurement capabilities utilizing external data sources, enhanced
modeling technology, and internal stress testing processes. Our disciplined portfolio management processes are
central to our commitment to maintaining an aggregate moderate-to-low risk appetite. In our efforts to identify risk
mitigation techniques, we have focused on product design features, origination policies, and solutions for delinquent
or stressed borrowers.

2026 1Q Form 10-Q    13

Table of Contents

Loan and Lease Credit Exposure Mix
Refer to the “ Loan and Lease Credit Exposure Mix ” section of our 2025 Annual Report on Form 10-K for a
description of each port folio segme nt.
At March 31, 2026 , our loans and leases totaled $188.8 billion , representing a $39.2 billion , or 26% , increase
compared to $149.6 billion at December 31, 2025 . The increase was driven by a combination of the Cadence
acquisition and organic growth. As of the Cadence acquisition date, acquired loans totaled $36.9 billion , including
$17.4 billion of commercial and industrial loans, $9.4 billion of commercial real estate loans, $131 million of lease
financing loans, $8.2 billion of residential mortgage loans, $1.5 billion of home equity loans, and $264 million of
other consumer loans.
The table below provides the composition of our total loan and lease portfolio. 

Table 7 - Loan and Lease Portfolio Composition

(dollar amounts in millions)

At March 31, 2026

At December 31, 2025

Commercial:

Commercial and industrial

$ 89,282

47 %

$ 69,442

46 %

Commercial real estate

24,337

13

15,209

10

Lease financing

5,796

3

5,727

4

Total commercial

119,415

63

90,378

60

Consumer:

Residential mortgage

33,458

19

24,777

17

Automobile

15,953

8

16,168

11

Home equity

11,831

6

10,395

7

RV and marine

5,627

3

5,682

4

Other consumer

2,534

1

2,242

1

Total consumer

69,403

37

59,264

40

Total loans and leases

$ 188,818

100 %

$ 149,642

100 %

Our loan and lease portfolio is a managed mix of consumer and commercial credits. We manage the overall
credit exposure and portfolio composition via a credit concentration policy. The policy designates specific loan types,
collateral types, and loan structures to be formally tracked and assigned maximum exposure limits as a percentage
of capital. Commercial lending by NAICS categories, specific limits for CRE project types, loans secured by residential
real estate, large dollar exposures, and designated high risk loan categories represent examples of specifically
tracked components of our concentration management process. As of March 31, 2026 , there were no identified
concentrations that exceed the assigned exposure limit . Our concentration management policy is approved by the
ROC and is used to ensure a high quality, well diversified portfolio that is consistent with our overall objective of
maintaining an aggregate moderate-to-low risk appetite. Changes to existing concentration limits and incorporating
specific information relating to the potential impact on the overall portfolio composition and performance metrics
require the approval of the ROC prior to implementation.

14     Huntington Bancshares Incorporated

Table of Contents

The table below provides our total loan and lease portfolio segregated by industry type. The changes in the
industry composition from December 31, 2025 are consistent with the portfolio growth metrics.

Table 8 - Loan and Lease Portfolio by Industry Type

(dollar amounts in millions)

At March 31, 2026

At December 31, 2025

Commercial loans and leases:

Real estate and rental and leasing

$ 29,734

17 %

$ 20,237

14 %

Finance and insurance

14,701

8

10,489

7

Retail trade (1)

13,999

7

12,181

8

Manufacturing

8,573

5

8,265

6

Health care and social assistance

7,900

4

5,920

4

Wholesale trade

6,245

3

5,842

4

Accommodation and food services

6,137

3

4,228

3

Construction

4,662

2

2,369

2

Transportation and warehousing

4,467

2

3,288

2

Utilities

4,455

2

3,156

2

Other services

3,363

2

3,617

2

Professional, scientific, and technical services

3,068

2

2,296

2

Information

2,597

1

1,937

1

Arts, entertainment, and recreation

2,470

1

1,923

1

Admin./support/waste mgmt. and remediation services

2,240

1

1,844

1

Public administration

1,124

1

816

1

Mining, quarrying, and oil and gas extraction

870

1

147

—

Educational services

853

1

738

—

Agriculture, forestry, fishing, and hunting

831

—

410

—

Management of companies and enterprises

682

—

243

—

Unclassified/Other

444

—

432

—

Total commercial loans and leases by industry category

119,415

63

90,378

60

Residential mortgage

33,458

19

24,777

17

Automobile

15,953

8

16,168

11

Home equity

11,831

6

10,395

7

RV and marine

5,627

3

5,682

4

Other consumer loans

2,534

1

2,242

1

Total loans and leases

$ 188,818

100 %

$ 149,642

100 %

(1) Amounts include $4.4 billion and $4.3 billion of auto dealer services loans at March 31, 2026 and December 31, 2025 , respectively.
The following tables present our commercial real estate portfolio by property type and geographic location.

Table 9 - Commercial Real Estate Portfolio by Property Type

At March 31, 2026

At December 31, 2025

(dollar amounts in millions)

Amount by
Property Type

% of Total Loans
and Leases

Amount by
Property Type

% of Total Loans
and Leases

Multi-family

$ 6,951

4 %

$ 4,822

3 %

Warehouse/Industrial

3,835

2

3,054

2

Retail

3,732

2

2,224

1

Office

2,951

2

1,804

1

Hotel

1,885

1

1,438

1

Other

4,983

2

1,867

1

Total commercial real estate loans and leases

$ 24,337

13 %

$ 15,209

9 %

2026 1Q Form 10-Q    15

Table of Contents

Table 10 - Commercial Real Estate Portfolio by Geographic Location

At March 31, 2026

At December 31, 2025

(dollar amounts in millions)

Amount by
Location (1)

% of Total CRE
Loans and Leases

Amount by
Location (1)

% of Total CRE
Loans and Leases

Texas

$ 7,411

30 %

$ 4,090

27 %

Ohio

2,223

9

2,176

14

Michigan

1,793

7

1,872

12

Florida

1,686

7

830

5

Georgia

1,597

7

347

2

Alabama

800

3

186

1

Illinois

777

3

787

5

Colorado

683

3

555

4

California

609

3

406

3

Arizona

561

2

350

2

Other

6,197

26

3,610

25

Total commercial real estate loans and leases

$ 24,337

100 %

$ 15,209

100 %

(1) Geographic location based on location of underlying collateral.
Our CRE portfolio totaled $24.3 billion at March 31, 2026 , an increase of $9.1 billion , or 60% , compared to
December 31, 2025 , driven by $9.4 billion of loans acquired as a result of the completion of the Cadence acquisition.
The CRE portfolio had an associated allowance coverage of 3.4% and 3.7% at March 31, 2026 and December 31,
2025 , respectively.
Credit Quality
(This section should be read in conjunction with Note 5 - “ Loans and Leases ” and Note 6 - “ Allowance for Credit
Losses ” of the Notes to Unaudited Consolidated Financial Statements.)
We believe the most meaningful way to assess overall credit quality performance is through an analysis of
specific performance ratios. This approach forms the basis of the discussion in the sections immediately following:
NALs and NPAs, ACL, and NCOs. In addition, we utilize delinquency rates, risk distribution and migration patterns,
product segmentation, and origination trends in the analysis of our credit quality performance.
Credit quality performance in the first quarter of 2026 reflected NCOs of $111 million , or 0.26% of average total
loans and leases, annualized, an increase of $25 million , compared to $86 million , or 0.26% of average total loans
and leases, annualized, i n the year-ago quarter. The increase reflects a $13 million increase in consumer NCOs to $55
million , and a $12 million increase in commercial NCOs to $56 million in the first quarter of 2026 . NPAs totaled $1.4
billion at March 31, 2026 , an increase of $412 million , or 44% , from December 31, 2025 , with the increase primarily
due to $295 million of NPAs assumed in the Cadence acquisition and additional increases in commercial and
industrial and commercial real estate NALs.

16     Huntington Bancshares Incorporated

Table of Contents

NALs and NPAs
The following table presents the details of our NALs and NPAs.

Table 11 - Nonaccrual Loans and Leases and Nonperforming Assets

(dollar amounts in millions)

At March 31, 2026

At December 31, 2025

Nonaccrual loans and leases (NALs):

Commercial and industrial

$ 824

$ 562

Commercial real estate

188

133

Lease financing

9

8

Residential mortgage

185

107

Automobile

6

6

Home equity

117

113

RV and marine

2

2

Other consumer

1

—

Total nonaccrual loans and leases

1,332

931

Other real estate, net

22

13

Other NPAs (1)

3

1

Total nonperforming assets

$ 1,357

$ 945

Nonaccrual loans and leases as a % of total loans and leases

0.71 %

0.62 %

NPA ratio (2)

0.72

0.63

(1) Other nonperforming assets include certain impaired investment securities and/or nonaccrual loans held-for-sale.
(2) Nonperforming assets divided by the sum of loans and leases, other real estate owned, and other NPAs.
ACL
Our ACL is comprised of two different components, the ALLL and the AULC, both of which in our judgment are
appropriate to absorb lifetime expected credit losses in our loan and lease portfolio. We utilize an independent
third-party baseline forecast that projects future economic conditions and considers multiple macroeconomic
scenarios. These macroeconomic scenarios contain certain variables that are influential to our modeling process, the
most significant being unemployment rates and GDP.
The baseline economic scenario used to estimate our March 31, 2026 ACL assumes continued tariff uncertainty,
but reflects marginal improved performance of the U.S. economy in the near term with minimal change in the
overall outlook. In this scenario, the unemployment rate is expected to remain at 4.5% throughout 2026 before
declining slightly in 2027. The Federal Reserve restarts rate cuts in 2026, resulting in an average federal funds rate of
3.2% for 2026. The inflation outlook stabilizes slightly as the impacts of tariffs and other trade policies moderate,
and near-term inflation declines but remains above the Federal Reserve’s 2% target throughout 2026. After slow
GDP growth to end 2025, GDP growth accelerates in the first quarter of 2026 but is expected to decline over the
remainder of 2026 and remain below 2% for all of 2027. 
The table below is intended to show how the forecasted path of unemployment and GDP in the baseline
scenario has changed since the end of 2025 .

Table 12 - Forecasted Key Macroeconomic Variables

2025

2026

2027

Baseline scenario forecast

Q4

Q2

Q4

Q2

Q4

Unemployment rate (1)

4Q 2025

4.3 %

4.6 %

4.8 %

4.7 %

4.6 %

1Q 2026

N/A

4.5

4.5

4.4

4.4

Gross Domestic Product (1)

4Q 2025

0.5 %

2.3 %

1.8 %

1.9 %

2.0 %

1Q 2026

N/A

2.5

1.7

1.7

1.8

(1) Values reflect the baseline scenario forecast inputs for each period presented, not updated for subsequent actual amounts.

2026 1Q Form 10-Q    17

Table of Contents

Management continues to assess the uncertainty in the macroeconomic environment, including ongoing risks in
the commercial real estate environment, current inflation levels, the impacts of U.S. trade policies, including tariffs,
the impact of higher oil prices, political uncertainty, and geopolitical instability , considering multiple macroeconomic
forecasts that reflect a range of possible outcomes. While we have incorporated estimates of economic uncertainty
into our ACL, the ultimate impact that specific challenges will have on the economy remains unknown.
Management develops additional analytics to support adjustments to our modeled results. Our Allowance for
Credit Loss Development Methodology Committee reviewed model results of each economic scenario for
appropriate usage, concluding that the quantitative transaction reserve will continue to utilize scenario weighting.
Given the uncertainty associated with key economic scenario assumptions, the March 31, 2026 ACL included a
general reserve that consists of various risk profile components, including profiles to capture uncertainty not
addressed within the quantitative transaction reserve.
The most significant risk profiles the Company maintains at March 31, 2026 relate to business banking loans
within the C&I portfolio and office loans within the CRE portfolio. The business banking risk profile addresses a
modest upward trend in default rates resulting from the current interest rate environment and inflationary impacts
on customers. The office portfolio risk profile addresses concerns relating to the current interest rate environment,
upcoming maturities, falling property values, and uncertainty about demand for office space.
Our ACL evaluation process includes the on-going assessment of credit quality metrics and a comparison of
certain ACL benchmarks to current performance.
The table below reflects the allocation of our ACL among our various loan and lease categories as well as certain
coverage metrics of the reported ALLL and ACL.

Table 13 - Allocation of Allowance for Credit Losses

At March 31, 2026

At December 31, 2025

(dollar amounts in millions)

Allocation of
Allowance

% of Total ALLL

% of Total Loans
and Leases (1)

Allocation of
Allowance

% of Total ALLL

% of Total Loans
and Leases (1)

Commercial

Commercial and industrial

$ 1,390

43 %

47 %

$ 1,070

42 %

46 %

Commercial real estate

819

25

13

569

22

10

Lease financing

96

3

3

92

4

4

Total commercial

2,305

71

63

1,731

68

60

Consumer

Residential mortgage

291

9

19

205

9

17

Automobile

178

6

8

181

7

11

Home equity

171

5

6

149

6

7

RV and marine

134

4

3

136

5

4

Other consumer

164

5

1

135

5

1

Total consumer

938

29

37

806

32

40

Total ALLL

3,243

2,537

AULC

125

206

Total ACL

$ 3,368

$ 2,743

Total ALLL as a % of:

Total loans and leases

1.72 %

1.70 %

Nonaccrual loans and leases

243

272

NPAs

239

269

Total ACL as % of:

Total loans and leases

1.78 %

1.83 %

Nonaccrual loans and leases

253

295

NPAs

248

290

(1) Percentages represent the percentage of each loan and lease category to total loans and leases.

18     Huntington Bancshares Incorporated

Table of Contents

At March 31, 2026 , the ACL was $3.4 billion , or 1.78% of total loans and leases, compared to $2.7 billion , or
1.83% , at December 31, 2025 . The increase in the ACL was driven by $578 million of ACL recorded for loans and
commitments acquired in the Cadence transaction, as well as organic loan and lease growth. The ACL coverage ratio
at March 31, 2026 is reflective of the current macroeconomic forecast and changes in various risk profiles intended
to capture uncertainty not addressed within the quantitative reserve.
NCOs
The table below reflects NCO detail.

Table 14 - Net Charge-off Analysis

Three Months Ended

(dollar amounts in millions)

March 31, 2026

March 31, 2025

Net charge-offs (recoveries) by loan and lease type:

Commercial:

Commercial and industrial (1)

$ 54

$ 48

Commercial real estate

2

(8)

Lease financing

—

4

Total commercial

56

44

Consumer:

Residential mortgage

1

—

Automobile

15

13

Home equity

—

—

RV and marine

7

7

Other consumer

32

22

Total consumer

55

42

Total net charge-offs

$ 111

$ 86

Net charge-offs (recoveries) - annualized percentages:

Commercial:

Commercial and industrial

0.26 %

0.33 %

Commercial real estate

0.03

(0.26)

Lease financing

0.01

0.33

Total commercial

0.21

0.24

Consumer:

Residential mortgage

0.02

—

Automobile

0.38

0.35

Home equity

0.02

—

RV and marine

0.51

0.45

Other consumer

5.30

4.89

Total consumer

0.34

0.29

Net charge-offs as a % of average loans and leases

0.26 %

0.26 %

(1) Includes charge-offs of $23 million on certain loans previously charged off by Cadence, which were written up to the unpaid principal balance at acquisition
and then immediately written off as required by purchase accounting.
NCOs were an annualized 0.26% of average loans and leases in the first quarter of 2026 , unchanged from the
year-ago quarter. As a percentage of average loans and leases, NCOs for commercial loans and leases were lower,
with annualized commercial loan and lease NCOs of 0.21% in the first quarter of 2026 , compared to 0.24% in the
year-ago quarter, while annualized consumer loan NCOs of 0.34% in the first quarter of 2026 increased from 0.29%
in the year-ago quarter.

2026 1Q Form 10-Q    19

Table of Contents

Market Risk
Market risk refers to potential losses arising from changes in interest rates, credit spreads, foreign exchange
rates, equity prices, and commodity prices, including the correlation among these factors and their volatility. When
the value of an instrument is tied to such external factors, the holder faces market risk. We are exposed primarily to
interest rate risk as a result of offering a wide array of financial products to our customers, and secondarily to price
risk from trading securities, securities owned by our broker-dealer subsidiaries, foreign exchange positions, equity
investments, and investments in securities backed by mortgage loans.
We measure market risk exposure via financial simulation models that provide management with insights on the
potential impact to net interest income and other key metrics as a result of changes in market interest rates. Models
are used to simulate cash flows and accrual characteristics of the balance sheet based on assumptions regarding the
slope or shape of the yield curve, the direction and volatility of interest rates, and the changing composition and
characteristics of the balance sheet resulting from strategic objectives and customer behavior. Our models
incorporate market-based assumptions that include the impact of changing interest rates on prepayment rates of
assets and runoff rates of deposits. The models also include our projections of the future volume and pricing of
various business lines.
In measuring the financial risks associated with interest rate sensitivity in our balance sheet, we compare a set of
alternative interest rate scenarios to the results of a base case scenario derived using market forward rates. The
market forward rates reflect the general market consensus regarding the future level and slope of the yield curve
across a range of tenor points. The standard set of interest rate scenarios includes two types: “shock” scenarios,
which are immediate parallel rate shifts, and “ramp” scenarios, where the parallel shift is applied gradually over the
first 12 months of the forecast on a pro-rata basis. In both shock and ramp scenarios with falling rates, we presume
that market rates will not go below 0%. The scenarios include all executed interest rate risk hedging activities.
Forward-starting hedges are included to the extent that they have been transacted and that they start within the
measurement horizon.
A key driver of our interest rate risk profile is our assumption of interest-bearing deposit repricing sensitivity to
changes in interest rates, otherwise known as deposit beta. In addition, our interest expense is impacted by the
composition of both interest-bearing and noninterest-bearing deposits in relation to our total deposits. Accordingly,
we consider the impacts from both interest-bearing and noninterest-bearing deposits on our total deposit beta.
Following the start of the current falling rate cycle, which began in the third quarter of 2024, our cumulative total
deposit beta (total cost of deposits) through the first quarter of 2026 was 33%.
We use two approaches to model interest rate risk: net interest income at risk (NII at Risk) and economic value
of equity at risk modeling sensitivity analysis (EVE at Risk).
NII at Risk is used by management to measure the risk and impact to earnings over the next 12 months, using a
wide range of interest rate scenarios, including instantaneous and gradual, as well as parallel and non-parallel,
changes in interest rates. The NII at Risk results included in the table below present select gradual “ramp” -200, -100,
+100 and +200 basis point parallel shift scenarios, implied by the forward yield curve over the next 12 months.

Table 15 - Net Interest Income at Risk

At March 31, 2026

At December 31, 2025

Federal Funds Rate

Federal Funds Rate

Basis point change scenario

Starting Point

Month 12 (1)

NII at Risk (%)

Starting Point

Month 12 (1)

NII at Risk (%)

+200

3.75 %

5.50 %

2.6 %

3.75 %

5.25 %

2.5 %

+100

3.75

4.50

1.3

3.75

4.25

0.9

Base

3.75

3.50

—

3.75

3.25

—

-100

3.75

2.50

-0.5

3.75

2.25

-0.6

-200

3.75

1.50

-1.4

3.75

1.25

-1.9

(1) Represents the federal funds rate in month 12 given a gradual, parallel “ramp” relative to the base implied forward scenario.
The NII at Risk shows that the balance sheet is asset-sensitive at both March 31, 2026 , and December 31, 2025 .
The primary drivers to the change in sensitivity from December 31, 2025 include current and projected balance
sheet composition, including impacts from the Cadence acquisition, over the simulation horizon and market rates.

20     Huntington Bancshares Incorporated

Table of Contents

EVE at Risk is used by management to measure the impact of interest rate changes on the net present value of
assets and liab ilities, including derivative exposures, using a wide range of scenarios. The EVE results included in the
table below present select immediate -200, -100, +100 and +200 basis point parallel “shock” scenarios from the yield
curve term points at the specific point in time that EVE sensitivity is measured.

Table 16 - Economic Value of Equity at Risk

 

Economic Value of Equity at Risk (%)

Basis point change scenario

-200

-100

+100

+200

At March 31, 2026

-1.0 %

0.9 %

-2.7 %

-6.7 %

At December 31, 2025

0.3

1.7

-3.5

-8.3

The change in sensitivity from December 31, 2025 was driven primarily by market rates and changes to actual
balance sheet composition, in part due to impacts from the Cadence acquisition.
Use of Derivatives to Manage Interest Rate Risk
An integral component of our interest rate risk management strategy is the use of derivative instruments to
minimize significant fluctuations in earnings caused by changes in market interest rates. A variety of derivative
financial instruments, principally interest rate swaps, swaptions, floors, forward contracts, and forward-starting
interest rate swaps, are used in asset and liability management activities to protect against the risk of adverse price
or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in
interest rates without exposure to loss of principal and higher funding requirements.
Table 17 shows all swap and floor positions that are utilized for purposes of managing our exposures to the
variability of interest rates. The interest rate variability may impact either the fair value of the assets and liabilities or
the cash flows attributable to net interest margin. These positions are used to protect the fair value of assets and
liabilities by converting the contractual interest rate on a specified amount of assets and liabilities (i.e., notional
amounts) to another interest rate index. The positions are also used to hedge the variability in cash flows
attributable to the contractually specified interest rate by converting the variable-rate index into a fixed rate. The
volume, maturity, and mix of derivative positions change frequently as we adjust our broader interest rate risk
management objectives and the balance sheet positions to be hedged. For further information, including the
notional amount and fair values of these derivatives, refer to Note 15 - “ Derivative Financial Instruments ” of the
Notes to Unaudited Consolidated Financial Statements.

2026 1Q Form 10-Q    21

Table of Contents

The following presents additional information about the interest rate swaps and floors used in Huntington’s
asset and liability management activities.

Table 17 - Information on Asset Liability Management Instruments

Weighted-
Average
Maturity (years)

Weighted-
Average
Fixed Rate

(dollar amounts in millions)

Notional
Value

Fair Value

At March 31, 2026

Asset conversion swaps

Securities (1):

Pay Fixed - Receive SOFR

$ 1,505

7.95

$ 134

2.14 %

Pay Fixed - Receive SOFR - forward-starting (2)

2,852

13.81

59

3.75

Loans:

Receive Fixed - Pay SOFR

16,050

1.83

(66)

3.19

Receive Fixed - Pay SOFR - forward-starting (3)

3,825

3.88

(22)

3.32

Liability conversion swaps

Receive Fixed - Pay SOFR

10,099

2.86

(59)

3.45

Receive Fixed - Pay SOFR - forward-starting (3)

2,300

4.07

(16)

3.38

Purchased floor spreads (4)

Purchased Floor Spread - SOFR

7,150

1.59

44

2.80 / 3.87

Purchased Floor Spread - SOFR forward-starting (3)

1,250

3.63

15

2.73 / 3.73

Basis swaps (5)

Pay SOFR - Receive Fed Fund (economic hedges)

27

4.58

—

3.66

Pay Fed Fund - Receive SOFR (economic hedges)

1

9.56

—

3.76

Total swap portfolio

$ 45,059

$ 89

At December 31, 2025

Asset conversion swaps

Securities (1):

Pay Fixed - Receive SOFR

$ 3,987

3.92

$ 130

2.48 %

Pay Fixed - Receive SOFR - forward-starting (6)

1,160

12.47

44

3.36

Loans:

Receive Fixed - Pay SOFR

15,800

2.05

(2)

3.18

Receive Fixed - Pay SOFR - forward-starting (7)

2,500

4.21

(3)

3.30

Liability conversion swaps

Receive Fixed - Pay SOFR

10,599

2.97

(22)

3.51

Purchased floor spreads (4)

Purchased Floor Spread - SOFR

6,750

1.06

30

2.80 / 3.87

Purchased Floor Spread - SOFR forward-starting (7)

3,200

3.49

51

2.83 / 3.83

Basis swaps (5)

Pay SOFR - Receive Fed Fund (economic hedges)

27

4.83

—

3.81

Pay Fed Fund - Receive SOFR (economic hedges)

1

9.81

—

3.99

Total swap portfolio

$ 44,024

$ 228

(1) Amounts include interest rate swaps as fair value hedges of fixed rate investment securities using the portfolio layer method.
(2) Forward-starting swaps effective starting from July 2026 to April 2029.
(3) Forward-starting swaps and forward-starting floor spreads effective starting from April 2026 to January 2027.
(4) The weighted-average fixed rates for floor spreads are the weighted-average strike rates for the upper and lower bounds of the instruments.
(5) Basis swaps have variable pay and variable receive resets. Weighted-average fixed rate column represents pay rate reset.
(6) Forward-starting swaps effective starting from February 2026 to October 2027.
(7) Forward-starting swaps and forward-starting floor spreads effective starting from January 2026 to December 2026.
Use of Derivatives to Manage Credit Risk
We may utilize credit derivatives as a tool to manage credit risk within the portfolio by purchasing credit
protection over certain types of loan products. When we purchase credit protection, such as a CDS, we pay a fee to
the seller, or CDS counterparty, in return for the right to receive a payment if a specified credit event occurs.

22     Huntington Bancshares Incorporated

Table of Contents

MSRs
(This section should be read in conjunction with Note 7 - “ Mortgage Loan Sales and Servicing Rights ” of Notes to
Unaudited Consolidated Financial Statements .)
At March 31, 2026 , we had a total of $735 million of capitalized MSRs representing the right to service $42.8
billion in mortgage loans.
MSR fair values are sensitive to movements in interest rates, as expected future net servicing income depends
on the projected outstanding principal balances of the underlying loans, which can be reduced by prepayments and
declines in credit quality. Prepayments usually increase when mortgage interest rates decline and decrease when
mortgage interest rates rise. We also employ hedging strategies to reduce the risk of MSR fair value changes.
However, volatile changes in interest rates can diminish the effectiveness of these economic hedges. We report
changes in the MSR value net of hedge-related trading activity in the mortgage banking income category of
noninterest income.
MSR assets are included in servicing rights and other intangible assets in the Unaudited Consolidated Financial
Statements.
Price Risk
Price risk represents the risk of loss arising from adverse movements in the prices of financial instruments that
are carried at fair value and are subject to fair value accounting. We have price risk from trading securities, securities
owned by our broker-dealer subsidiaries, foreign exchange positions, derivative instruments, and equity
investments. We have established loss limits on the trading portfolio, on the amount of foreign exchange exposure
that can be maintained, and on the amount of marketable equity securities that can be held.

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, which allow us cost-effective access to market-based liquidity. We mitigate liquidity
risk by maintaining a large, stable customer deposit base and a diversified base of readily available wholesale
funding sources, including secured funding sources from the FHLB and FRB through pledged borrowing capacity,
issuance through dealers in the capital markets, and access to deposits issued through brokers. We further mitigate
liquidity risk by maintaining liquid assets in the form of cash and cash equivalents and securities.
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 Huntington is operating in accordance with its established risk tolerance. Further, the ALCO is
appointed by the ROC to oversee liquidity risk management, including the establishment of liquidity risk policies and
additional liquidity risk metrics and limits to support our overall liquidity risk appetite. Liquidity risk appetite metrics
are monitored by senior management daily and are reported to the Board at least semi-annually and to ROC on a
more frequent basis.
Liquidity risk is reviewed and managed continuously for the Bank and the parent company, as well as its
subsidiaries. In addition, liquidity working groups meet regularly to identify and monitor liquidity positions, provide
policy guidance, review funding strategies, and oversee the adherence to, and maintenance of, contingency funding
plans. At March 31, 2026 , m anagement believes current sources of liquidity are sufficient to meet Huntington’s on-
and off-balance sheet obligations over the next 12 months and for the foreseeable future.

2026 1Q Form 10-Q    23

Table of Contents

We maintain a contingency funding plan that provides for liquidity stress testing, which assesses the potential
erosion of funds in the event of an institution-specific event or systemic financial market crisis. Examples of
institution specific events could include a downgrade in our public credit rating by a rating agency, a large charge to
earnings, declines in profitability or other financial measures, declines in liquidity sources including reductions in
deposit balances or access to contingent funding sources, or a significant merger or acquisition. Examples of
systemic events unrelated to us that could have an effect on our access to liquidity would be terrorism or war,
natural disasters, political events, failure of a major financial institution, or the default or bankruptcy of a major
corporation, mutual fund, or hedge fund. Similarly, market speculation or rumors about us, or the banking industry
in general, may adversely affect the cost and availability of normal funding sources. The contingency funding plan,
which is reviewed and approved by the ROC at least annually, outlines the process for addressing a liquidity crisis
and provides for an evaluation of funding sources under various market conditions. It also assigns specific roles and
responsibilities and communication protocols for effectively managing liquidity through a problem period and
outlines early warning indicators that are used to monitor emerging liquidity stress events.
Deposits
Our largest source of liquidity on a consolidated basis is customer deposits, which provide stable and lower-cost
funding. Our customer deposits come from a base of primary bank customer relationships, and we continue to focus
on acquiring and deepening those relationships, resulting in a diversified deposit base. Total de posits were $223.5
billion at March 31, 2026 , compared to $176.6 billion at December 31, 2025 . The $46.9 billion , or 27% , increase in
total deposits, compared to December 31, 2025 , was primarily driven by the $43.5 billion of deposits acquired in the
Cadence acquisition and additional increases in interest-bearing demand and time deposits . Total deposits included
$6.3 billion of brokered deposits primarily consisting of brokered money market and time deposit balances at
March 31, 2026 , compared to $5.9 billion at December 31, 2025 . The level of brokered deposits was below our
established liquidity risk metric limits at March 31, 2026 .
Insured deposits comprised approximately 69% and 70% of our total deposits at March 31, 2026 and
December 31, 2025 , respectively. The composition of our deposits is presented in the table below.

Table 18 - Deposit Composition

(dollar amounts in millions)

At March 31, 2026

At December 31, 2025

By type:

Demand deposits—noninterest-bearing

$ 40,839

18 %

$ 32,205

18 %

Demand deposits—interest-bearing

61,086

27

48,510

27

Money market deposits

75,554

34

65,123

37

Savings deposits

18,971

9

15,426

9

Time deposits

27,032

12

15,346

9

Total deposits

$ 223,482

100 %

$ 176,610

100 %

Total deposits (insured/uninsured):

Insured deposits

$ 155,223

69 %

$ 123,744

70 %

Uninsured deposits (1)

68,259

31

52,866

30

Total deposits

$ 223,482

100 %

$ 176,610

100 %

(1) Represents consolidated Huntington uninsured deposits, determined by adjusting the amounts reported in the Bank Call Report (FFIEC 031) by inter-
company deposits, which are not customer deposits and are therefore eliminated through consolidation. As of March 31, 2026 , the Bank Call Report
estimated uninsured deposit balance was $72.3 billion , which includes $4.0 billion of inter-company deposits. As of December 31, 2025 , the Bank Call
Report estimated uninsured deposit balance was $56.9 billion , which includes $4.1 billion of inter-company deposits.
Wholesale Funding
Sources of wholesale funding include non-customer brokered deposits, short-term borrowings, and long-term
debt. Our wholesale funding totaled $29.8 billion at March 31, 2026 , an increase of $5.4 billion compared to $24.4
billion at December 31, 2025 . The increase from year end was primarily due to a $4.4 billion increase in long-term
debt driven by $2.6 billion of long-term FHLB advances and $1.8 billion of senior and subordinated debt issuances,
partially offset by maturities and repayments .

24     Huntington Bancshares Incorporated

Table of Contents

Cash and Cash Equivalents and Investment Securities
Cash and cash equivalents were $19.2 billion and $13.5 billion at March 31, 2026 and December 31, 2025 ,
respectively. The $5.7 billion increase in cash and cash equivalents was primarily due to an increase in interest-
earning deposits held at the FRB as part of prudent liquidity risk management to support our strong liquidity position
amid continued growth and external uncertainty.
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.
Total investment securities were $50.5 billion at March 31, 2026 , compared to $41.5 billion at December 31,
2025 . The $9.1 billion increase in investment securities, compared to December 31, 2025 , was largely driven by $9.2
billion of investment securities acquired in the Cadence transaction. A t March 31, 2026 , the duration of the
investment securities portfolio, net of hedging, was 3.3 years . Securities are pledged to secure borrowing capacity
with the FHLB and the FRB, discussed further in the Bank Liquidity and Sources of Funding section below.
Bank Liquidity and Sources of Funding
Our primary source of funding for the Bank is customer deposits. At March 31, 2026 , customer deposits funded
76% of total assets ( 115% of total loans and leases). 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.
The Bank maintains borrowing capacity at both the FHLB and the 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.
A summary of the Bank’s selected contingent liquidity sources is presented in the following table.

Table 19 - Selected Contingent Liquidity Sources

(dollar amounts in millions)

At March 31, 2026

At December 31, 2025

Unused secured borrowing capacity:

FRB

$ 77,666

$ 71,296

FHLB

21,242

16,212

Unpledged investment securities (at market value)

13,258

11,743

Interest-earning deposits held at FRB

17,090

11,712

Selected contingent liquidity sources

$ 129,256

$ 110,963