Income Statement Balance Sheet Cash Flow Segments

Huntington Bancshares Incorporated Balance Sheet Statement

Assets, liabilities, and shareholders' equity

Total Assets$285.37B Total Stockholders Equity$32.5B Long Term Debt$21.6B Cash And Equivalents$19.2B

Current Liabilities

Metric	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Accrued interest	$89M	$99M	$82M	$89M	$106M	$126M
Current portion of long-term debt	$199M	$664M	$576M	$252M	$1.3B	$1.9B
Deposits Received for Securities Loaned	$5M	$11M	$4M	$2M	$2M	$7M
Derivative Liabilities - Fair Value	$195M	$251M	$200M	$240M	$215M	$34M
Derivative Liabilities Offset	$90M	$145M	$223M	$163M	$169M	$175M
Deposits	$162.4B	$165.3B	$163.4B	$165.2B	$176.6B	$223.5B
Noninterest-bearing deposits	$29.3B	$30.2B	$28.7B	$28.6B	$32.2B	$40.8B
Derivative liabilities	$195M	$251M	$200M	$240M	$215M	$34M
Finance Lease Liability Payments Due	—	$5.2B	$5.2B	$5.2B	—	$5.4B
Net Cash Collateral Posted - Derivative Instruments	—	$207M	$207M	$111M	—	$379M
Fair Value of Repurchase Agreement Collateral	$224M	$201M	$219M	$205M	$40M	$0
Short-term borrowings	$199M	$664M	$576M	$252M	$1.3B	$1.9B

Equity

Metric	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Additional paid-in capital	$15.5B	$15.5B	$15.5B	$15.5B	$17.2B	$25.3B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$3.4B	$3B	$2.8B	$2.6B	$2.4B	$2.5B
Accumulated other comprehensive income (loss)	-$2.9B	-$2.4B	-$2.2B	-$2.1B	-$1.9B	-$2.1B
Common stock	2.3B	2.3B	2.3B	2.3B	2.3B	2.3B
Common Stock Par Value Per Share	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01
Common Stock Shares Issued	1.5B	—	—	—	1.6B	2B
Convertible Preferred Stock Authorized Shares	6.6M	6.6M	6.6M	6.6M	6.6M	6.6M
Convertible Preferred Stock Outstanding Shares	877.5K	877.5K	877.5K	885K	885K	891.9K
Cumulative Gross Losses and Impairments	$2.3B	$2B	$1.9B	$1.7B	$1.6B	$1.7B
Cumulative Gross Unrealized Gains	$3M	$16M	$24M	$20M	$25M	$10M
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$15M	$15M	$15M	$15M	$16M	$20M
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$2B	$2B	$2B	$2.7B	$2.7B	$2.9B
Investments - Gross Unrealized Losses	$22.8B	$22.3B	$22.1B	$18.6B	$17.7B	$27B
Noncontrolling interests	$42M	$52M	$42M	$38M	$37M	$46M
Preferred stock	$2B	$2B	$2B	$2.7B	$2.7B	$2.9B
Retained earnings	$5.2B	$5.5B	$5.8B	$6.1B	$6.4B	$6.5B
Total liabilities and stockholders' equity	$204.2B	$209.6B	$207.7B	$210.2B	$225.1B	$285.4B
Total stockholders' equity	$19.7B	$20.4B	$20.9B	$22.2B	$24.3B	$32.5B
Treasury stock	$86M	$90M	$87M	$87M	$92M	$95M
Unrealized Gains on Investments	$13M	$32M	$44M	$58M	$66M	$26M
Unrealized Losses on Investments (Before Tax)	$3.5B	$3.1B	$2.8B	$2.6B	$2.4B	$2.5B

Current Assets

Metric	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Available-for-Sale Debt Securities - Amortized Cost	$3.6B	$3.1B	$3.8B	$2.1B	$1.4B	$5.1B
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)	$3.6B	$3.1B	$3.8B	$2.1B	$1.4B	$5.1B
Available-for-Sale Debt Securities - Fair Value (Maturing Within 1 Year)	$256M	$200M	$255M	$404M	$604M	$503M
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$18B	$18B	$16.8B	$17.4B	$16.5B	$15.9B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$18B	$18B	$16.8B	$17.4B	$16.5B	$15.9B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$4.7B	$4.2B	$5.3B	$1.2B	$1.2B	$11.1B
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$4.7B	$4.2B	$5.3B	$1.2B	$1.2B	$11.1B
Available-for-Sale Debt Securities - Unrealized Loss Position	$3.5B	$3.1B	$2.8B	$2.6B	$2.4B	$2.5B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$18B	$18B	$16.8B	$17.4B	$16.5B	$15.9B
AFS and Trading Securities - Unrealized Loss Position Fair Value	$22.8B	$22.3B	$22.1B	$18.6B	$17.7B	$27B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$4.7B	$4.2B	$5.3B	$1.2B	$1.2B	$11.1B
Cash and cash equivalents	$12.8B	$15.3B	$10.4B	$12.7B	$13.5B	$19.2B
Cash, Cash Equivalents, and Marketable Securities	$22.8B	$22.3B	$22.1B	$18.6B	$17.7B	$27B
Current Equity Amortized Cost	$822M	$880M	$878M	$870M	$994M	$1.3B
Derivative Assets - Fair Value	$610M	$507M	$568M	$502M	$507M	$561M
Equity Securities (FV-NI) - Cost Basis	$822M	$880M	$878M	$870M	$994M	$1.3B
Derivative assets	$266M	$148M	$214M	$211M	$247M	$266M
Interest-bearing deposits in banks and other financial institutions	$11.6B	$14.3B	$9.2B	$11.5B	$12.3B	$17.6B
Trading assets	$3.6B	$3.1B	$3.8B	$2.1B	$1.4B	$5.1B
Impaired Financing Receivable with No Related Allowance - Unpaid Principal Balance	$146M	$126M	$122M	$81M	$166M	$156M
Lease Receivable Payments - 2022 (Lessor)	—	$700M	$656M	$601M	—	$975M
Lease Receivable Payments - 2023 (Lessor)	—	$972M	$947M	$927M	—	$1B
Lease Receivable Payments - 2024 (Lessor)	—	$992M	$975M	$956M	—	$919M
Lease Receivable Payments - 2025 (Lessor)	—	$814M	$840M	$848M	—	$660M
Lease Receivable Payments - Due Year Three	—	$972M	$947M	$927M	—	$1B
Lease Receivable Payments - Due Year Four	—	$992M	$975M	$956M	—	$919M
Lease Receivable Payments - Due Year Five	—	$814M	$840M	$848M	—	$660M
Loans held for sale	$654M	$580M	$876M	$823M	$1.4B	$1.1B
Net Cash Collateral Received - Derivative Instruments	$316M	$135M	$120M	$40M	$15M	$77M

Non-Current Assets

Metric	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)	$6B	$6.7B	$5.9B	$5.6B	$5.6B	$6.6B
Allowance for credit losses	$2.2B	$2.3B	$2.3B	$2.4B	$2.5B	$3.2B
Gross loans	$130B	$132.5B	$135B	$138B	$149.6B	$188.8B
Loans 90+ Days Past Due	$239M	$220M	$241M	$234M	$282M	$421M
Equity Amortized Cost	$822M	$880M	$878M	$870M	$994M	$1.3B
Available-for-sale securities	$27.3B	$6.6B	$5.9B	$5.6B	$5.6B	$6.6B
Held-to-maturity securities	$16.4B	$16.3B	$16B	$15.6B	$15.3B	$14.8B
Finite Lived Intangible Assets - Gross	—	—	—	—	$539M	$1.4B
Goodwill	$5.6B	$5.6B	$5.6B	$5.5B	$6B	$9.5B
Held-to-Maturity Debt Securities - Fair Value	$12B	$11.9B	$11.7B	$11.4B	$11.1B	$10.8B
Held-to-Maturity Debt Securities - Maturing 1 to 5 Years	$1.8B	$2.1B	$2.1B	$2B	$1.8B	$1.7B
Held-to-Maturity Debt Securities - Maturing 5 to 10 Years	$60M	$64M	$56M	$134M	$134M	$128M
Held-to-Maturity Debt Securities - Maturing Over 10 Years	$12B	$11.9B	$11.7B	$11.4B	$11.1B	$10.8B
Equity securities	$823M	$880M	$878M	$870M	$994M	$1.3B
Intangible assets, net	$677M	$656M	$647M	$644M	$752M	$1.7B
Investments - Cost Basis	$822M	$880M	$878M	$870M	$994M	$1.3B
Lease Receivable Payments - 2026 (Lessor)	—	$992M	$975M	$956M	—	$919M
Lease Receivable Payments - 2027 (Lessor)	—	$972M	$947M	$927M	—	$1B
Lease Receivable Payments - 2028 (Lessor)	—	$992M	$975M	$956M	—	$919M
Lease Receivable Payments - 2029 (Lessor)	—	$814M	$840M	$848M	—	$660M
Lease Receivable Payments - Thereafter (Lessor)	—	$694M	$836M	$943M	—	$727M
Mortgage servicing rights	—	—	—	—	$593M	$735M
Net Investment in Lease	—	$5.2B	$5.2B	$5.2B	—	$5.4B
Bank Owned Life Insurance	$2.8B	$2.8B	$2.8B	$2.8B	$2.9B	$3.7B
Cash and Due from Banks	$1.7B	$1.6B	$1.8B	$1.7B	$1.8B	$2.1B
Private debt held-for-investment, at amortized cost, net of valuation allowance – $3 and $4	$127.8B	$130.2B	$132.6B	$135.6B	$147.1B	$185.6B
Intangible assets — net	—	—	—	—	$145M	$969M
Accrued income and other receivables	$2.2B	$1.7B	$1.7B	$1.8B	$2.6B	$2.2B
Interest-Bearing Deposits in Banks and Other Financial Institutions	$11.6B	$14.3B	$9.2B	$11.5B	$12.3B	$17.6B
Other Assets	$5.6B	$5.5B	$5.8B	$6B	$6.5B	$8B
Other Intangible Assets Net	$677M	$656M	$647M	$644M	$752M	$1.7B
Fair value of servicing rights	—	—	—	—	$593M	$735M
Trading account securities	$53M	$477M	$481M	$81M	$63M	$199M
Other non-current assets	$5.6B	$5.5B	$5.8B	$6B	$6.5B	$8B
Accumulated depreciation	—	—	—	—	$394M	$435M
Property and equipment, net	$1.1B	$1.1B	$1.1B	$1.1B	$1.3B	$2.1B
Total assets	$204.2B	$209.6B	$207.7B	$210.2B	$225.1B	$285.4B
Unguaranteed Residuals	$517M	$490M	$476M	$428M	$419M	$400M

Other

Metric	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Aggregate Notional Principal Outstanding	$45.8B	$48.6B	$46.2B	$42.3B	$44B	$45.1B
Nonperforming Loans and Leases Percentage	$146M	$126M	$122M	$81M	$166M	$156M
Cumulative Cost Basis	$822M	$880M	$878M	$870M	$994M	$1.3B
Derivative Notional Amount	$45.8B	$48.6B	$46.2B	$42.3B	$44B	$45.1B
Fair Value Measurement Disclosure	$668M	$598M	$609M	$508M	$519M	$572M
Gross Assets/Liabilities	$578M	$453M	$386M	$345M	$350M	$397M
Guarantor Obligations - Maximum Exposure	$201M	$201M	$201M	$281M	$366M	$366M
Hedged Asset (Statement of Financial Position)	$458M	$336M	$197M	$160M	$177M	$196M
Indemnification Liability Maximum Exposure	$201M	$201M	$201M	$281M	$366M	$366M
Aggregate credit risk, net of collateral	$192M	$61M	$41M	$28M	$73M	$91M
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$3.5B	$3.1B	$2.8B	$2.6B	$2.4B	$2.5B
Gross Unrealized Gains	$13M	$32M	$44M	$58M	$66M	$26M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$1.9B	$1.7B	$1.8B	$1.9B	$1.9B	$2.2B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$1.7B	$1.6B	$1.7B	$1.8B	$1.8B	$2.1B
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$6B	$6.7B	$5.9B	$5.6B	$5.6B	$6.6B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$5.8B	$6.6B	$5.9B	$5.6B	$5.6B	$6.6B
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$19.3B	$19.4B	$19.6B	$19B	$19.7B	$24.1B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$16.1B	$16.6B	$17B	$16.6B	$17.4B	$21.8B
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$3.6B	$3.1B	$3.8B	$2.1B	$1.4B	$5.1B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$3.6B	$3.1B	$3.8B	$2.1B	$1.4B	$5.1B
Collateral already posted, aggregate fair value	—	$207M	$207M	$111M	—	$379M
Common stock, par value (in dollars per share)	$0	$0	$0	$0	$0	$0
Common stock, shares authorized (in shares)	$2.3B	$2.3B	$2.3B	$2.3B	$2.3B	$2.3B
Common stock, shares issued (in shares)	$1.5B	—	—	—	$1.6B	$2B
Common Stock, Shares, Outstanding	$1.5B	$1.5B	$1.5B	$1.5B	$1.6B	$2B
Credit risks from interest rate swaps used for trading purposes	$76M	$77M	$142M	$158M	$168M	$125M
Long-term debt, gross	—	—	—	—	$1.2B	$1.4B
Cost or Amortized Cost	$30.7B	$30.9B	$31.1B	$28.6B	$28.5B	$38.1B
Available-for-sale securities, allowance for credit loss	$0	$0	$0	$0	$0	$0
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$3.4B	$3B	$2.8B	$2.6B	$2.4B	$2.5B
Less than 12 months	$4.7B	$4.2B	$5.3B	$1.2B	$1.2B	$11.1B
12 months or more	$18B	$18B	$16.8B	$17.4B	$16.5B	$15.9B
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$74M	$42M	$35M	$13M	$14M	$53M
Estimated Fair Value	$27.3B	$27.8B	$28.3B	$26.1B	$26.1B	$35.6B
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$3.5B	$3.1B	$2.8B	$2.6B	$2.4B	$2.5B
Debt Securities, Available-for-Sale, Unrealized Loss Position	$22.8B	$22.3B	$22.1B	$18.6B	$17.7B	$27B
Accrued Interest, held-to-maturity	$46M	$43M	$46M	$41M	$44M	$39M
Debt securities, held-to-maturity, allowance for credit loss (less than)	$0	$0	$0	$0	$0	$0
5-10 years	$65M	$67M	$59M	$146M	$144M	$136M
1-5 years	$1.8B	$2.1B	$2.1B	$2B	$1.8B	$1.7B
Within 1 year	$255M	$201M	$255M	$404M	$603M	$502M
After 10 years	$14.2B	$13.9B	$13.5B	$13.1B	$12.7B	$12.5B
Held-to-maturity securities, fair value	$16.4B	$16.3B	$16B	$15.6B	$15.3B	$14.8B
Derivative Asset, Subject to Master Netting Arrangement, Gross Liability and Collateral, Obligation to Return Cash, Offset	$344M	$359M	$354M	$291M	$260M	$295M
Securities Collateral Held /Pledged Under Master Netting Agreements	$5M	$11M	$4M	$2M	$2M	$7M
Securities Collateral Held /Pledged Under Master Netting Agreements	$67M	$67M	$66M	$65M	$120M	$286M
Derivative, gross, assets	$610M	$507M	$568M	$502M	$507M	$561M
Derivative Asset, Including Not Subject to Master Netting Arrangement, after Offset and Deduction	$226M	$128M	$188M	$184M	$145M	$186M
Derivatives, gross, liabilities	$668M	$598M	$609M	$508M	$519M	$572M
Derivative Liability, Including Not Subject to Master Netting Arrangement, after Offset and Deduction	$195M	$251M	$200M	$240M	$215M	$34M
Derivative Liability	$578M	$453M	$386M	$345M	$350M	$397M
Derivative netting, Liabilities	$90M	$145M	$223M	$163M	$169M	$175M
Notional	$45.8B	$48.6B	$46.2B	$42.3B	$44B	$45.1B
Cost	$822M	$880M	$878M	$870M	$994M	$1.3B
Unrealized Gross Gains	$1M	$0	$0	$0	$0	$0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, Before Tax	—	—	—	—	$0	$0
Fair value hedging adjustments	-$56M	—	-$49M	-$46M	-$42M	-$39M
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis with Unobservable Inputs	$2M	$3M	$7M	$3M	$3M	$6M
FHLB borrowings and advances, collateral	$105.4B	$107.4B	$108.3B	$107.3B	$114.2B	$141.2B
ACL balance, end of period	—	$2.5B	$2.5B	$2.6B	—	$3.4B
Loans modified after 12 months	—	$855M	$871M	$751M	—	$568M
With an allowance	$239M	$220M	$241M	$234M	$282M	$421M
Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)	-$468M	-$509M	-$503M	-$638M	$815M	$1.5B
Finite-Lived Intangible Assets, Accumulated Amortization	—	—	—	—	$394M	$435M
Gross Carrying Amount	—	—	—	—	$539M	$1.4B
Value of financial guarantee (up to)	$201M	$201M	$201M	$281M	$366M	$366M
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss	$2.3B	$2B	$1.9B	$1.7B	$1.6B	$1.7B
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	$3M	$16M	$24M	$20M	$25M	$10M
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	$2.3B	$2B	$1.9B	$1.7B	$1.6B	$1.7B
HTM unrealized loss position 12 months or more - fair value	$11.5B	$11.5B	$11.2B	$11.4B	$11.1B	$10.4B
Interest-Bearing Deposit Liabilities, Domestic	$133.1B	$135.1B	$134.7B	$136.6B	$144.4B	$182.6B
Investment securities and cash collateral pledged to company	—	$239M	$175M	$150M	—	$212M
Loans Receivable Fair Value Disclosure	$173M	$175M	$172M	$171M	$167M	$166M
Fair value of long-term debt	$821M	$1.1B	$1B	$1.3B	$1.2B	$1.4B
Noncontrolling interests in subsidiaries	$42M	$52M	$42M	$38M	$37M	$46M
Off-Balance-Sheet, Credit Loss, Liability	$202M	$215M	$184M	$188M	$206M	$125M
Other securities	—	—	—	—	$42M	$64M
Preferred Stock, Shares Authorized	$6.6M	$6.6M	$6.6M	$6.6M	$6.6M	$6.6M
Preferred Stock, Shares Outstanding	$877.5K	$877.5K	$877.5K	$885K	$885K	$891.9K
Assets held in trust for deferred compensation plans	—	—	—	—	$216M	$212M
2028	—	$988M	$961M	$934M	—	$1.1B
2030	—	$992M	$975M	$956M	—	$919M
Sales-Type and Direct Financing Leases, Payment to be Received	—	$5.2B	$5.2B	$5.2B	—	$5.4B
2027	—	$700M	$656M	$601M	—	$975M
2029	—	$972M	$947M	$927M	—	$1B
Carrying value of assets pledged as collateral against repurchase agreements	$224M	$201M	$219M	$205M	$40M	$0
Time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit	$1.5B	$1.4B	$1.3B	$1.3B	$2.1B	$4.2B
Treasury stock, shares (in shares)	$7M	$7.2M	$7M	$6.9M	$7.2M	$7.3M

Non-Current Liabilities

Metric	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Borrowings at Fair Value	—	—	—	—	$138M	$283M
Debt Fair Value Adjustments and Discounts	—	—	—	—	-$10M	-$1M
Debt Maturity - 1 to 5 Years	$1.8B	$2.1B	$2.1B	$2B	$1.8B	$1.7B
Debt Maturity - 5 to 10 Years	$1.7B	$1.6B	$1.7B	$1.8B	$1.8B	$2.1B
Debt Maturity - Over 10 Years	$14.2B	$13.9B	$13.5B	$13.1B	$12.7B	$12.5B
Debt Maturity - Thereafter	—	$694M	$836M	$943M	—	$727M
Long-term debt	$16.4B	$18.1B	$17.5B	$17.3B	$17.2B	$21.6B
Other non-current liabilities	$5.4B	$5B	$5.3B	$5.2B	$5.6B	$5.8B
Secured Borrowings Cash Right to Reclaim	$316M	$135M	$120M	$40M	$15M	$77M
Total Carrying Value of Debt	—	—	—	—	$1.2B	$1.4B
Total liabilities	$184.4B	$189.1B	$186.8B	$187.9B	$200.7B	$252.8B