HUNTINGTON BANCSHARES INC /MD/ (HBAN) · Material Event (8-K) SEC Filing

EX-99.1 2 hban20260630_8kex991.htm EX-99.1 Document Exhibit 99.1July 23, 2026Analysts Eric Wasserstrom (huntington.investor.relations huntington.com), 614.480.5676Media Tracy Pesho (media huntington.com), 216.276.3301Huntington Bancshares Incorporated Reports 2026 Second-Quarter EarningsQ2 Results Highlighted by Growth in Key Strategic Fee Revenues and Net Interest Income and Successful Cadence Systems Conversion2026 Second-Quarter Highlights Earnings per common share (EPS) for the quarter was $0.33, higher by $0.08 from the prior quarter, and $0.01 lower than the year-ago quarter. Excluding the after-tax impact of Notable Items as detailed in Table 2, adjusted EPS1 was $0.39, higher by $0.02 from the prior quarter. The prior year quarter included $0.04 of impact to EPS resulting from a $58 million decrease in pre-tax earnings from a securities repositioning and Notable Items that decreased pre-tax earnings by $3 million. Excluding the impact from these items, adjusted EPS1 was higher by $0.01 from the year ago quarter. Successfully completed the systems conversion of Cadence Bank ( Cadence ) in mid-June. Net interest income increased $161 million, or 9%, from the prior quarter, and $585 million, or 40%, from the year-ago quarter. Noninterest income increased $103 million, or 15%, from the prior quarter, to $785 million. From the year-ago quarter, noninterest income increased $314 million, or 67%. Average total loans and leases increased $15.0 billion, or 9%, from the prior quarter to $189.3 billion and increased $56.1 billion, or 42%, from the year-ago quarter, inclusive of the impact of the Cadence and Veritex Holdings, Inc. ( Veritex ) acquisitions. Average commercial loans grew $11.6 billion, or 11%, from the prior quarter and $44.4 billion, or 59%, from the year-ago quarter. Average consumer loans grew $3.4 billion, or 5%, from the prior quarter and $11.7 billion, or 20%, from the year-ago quarter. Average total deposits increased $18.8 billion, or 9%, from the prior quarter and $60.0 billion, or 37%, from the year-ago quarter, inclusive of the impact of the Cadence and Veritex acquisitions. Net charge-offs of 0.25% of average total loans and leases for the quarter, 1 basis point lower than the prior quarter and 5 basis points higher than the year ago quarter. Nonperforming asset ratio of 0.85% at quarter end, 13 basis points higher than the prior quarter. Allowance for credit losses (ACL) of $3.4 billion, or 1.78% of total loans and leases, at quarter end, an increase of $13 million from the prior quarter. 1 Represents a non-GAAP financial measure. For additional details, see the Use of Non-GAAP Financial Measures section of this release and reconciliations to the comparable GAAP financial measure included in this release or Huntington's Quarterly Financial Supplement.1 Common Equity Tier 1 (CET1) risk-based capital ratio was 10.0%, at June 30, 2026, compared to 10.2% at the prior quarter end. Adjusted Common Equity Tier 11, including the impact of AOCI, excluding cash flow hedges, was 9.0%, compared to 9.2% at the prior quarter end. Tangible common equity (TCE)1 ratio of 7.1%, up slightly from the prior quarter end and up from 6.6% a year ago. Tangible book value per share1 of $9.65, up $0.10, or 1%, from the prior quarter and up $0.52, or 6%, from a year ago. Repurchased $159 million of common shares in the second quarter, and $309 million of common shares year-to-date, representing approximately 19 million shares repurchased year to date.COLUMBUS, Ohio Huntington Bancshares Incorporated (Nasdaq HBAN) reported net income for the 2026 second quarter of $727 million, or $0.33 per common share, an increase of $204 million, or 39%, from the prior quarter, and an increase of $191 million, or 36%, from the year-ago quarter, inclusive of $152 million of pre-tax Notable Items in the 2026 second quarter due to acquisition-related expenses. Return on average assets was 1.02%, return on average common equity was 9.3%, and return on average tangible common equity (ROTCE)1 was 15.1% for the quarter, or 17.5% adjusted for Notable Items. CEO Commentary Building on a strong start to the year, Huntington delivered another solid quarter driven by disciplined execution and continued performance across our franchise, said Steve Steinour, chairman, president, and CEO. Growth in our legacy organization was outstanding, credit remains strong, and we are seeing early revenue synergies in Cadence markets. Our pipelines are robust as we enter the second half of 2026 and the operating environment remains constructive. We delivered these results while executing a very successful Cadence systems conversion in June, marking the last major milestone in the integration. We have been very pleased with positive customer and colleague engagement. With the Veritex, Janney TM Capital, and Cadence integrations behind us, we are well positioned to deliver the full economic benefits of our combined company. We have strong line of sight to the remaining cost synergies and we are actively driving revenue synergies. By the fourth quarter, the full earnings power of these partnerships will be clearly evident. Our balance sheet remains a source of strength, as demonstrated by our recent CCAR stress test results, and we are confident in our outlook. Supported by strong underlying business momentum and a differentiated super-regional model, we are positioned to achieve our financial targets, including sustained growth of earnings and tangible book value, and attractive returns for our shareholders. 1 Represents a non-GAAP financial measure. For additional details, see the Use of Non-GAAP Financial Measures section of this release and reconciliations to the comparable GAAP financial measure included in this release or Huntington's Quarterly Financial Supplement.2Table 1 Earnings Performance Summary 2026 2025 (in millions, except per share data) Second First Fourth Third Second Quarter Quarter Quarter Quarter Quarter Net income attributable to Huntington $ 727 $ 523 $ 519 $ 629 $ 536 Diluted earnings per common share 0.33 0.25 0.30 0.41 0.34 Return on average assets 1.02 % 0.81 % 0.93 % 1.19 % 1.04 % Return on average common equity 9.3 7.2 8.9 12.4 11.0 Return on average tangible common equity 15.1 11.6 12.7 17.8 16.1 Net interest margin 3.21 3.24 3.15 3.13 3.11 Efficiency ratio 61.5 67.2 64.2 57.4 59.0 Tangible book value per common share $ 9.65 $ 9.55 $ 9.89 $ 9.54 $ 9.13 Cash dividends declared per common share 0.155 0.155 0.155 0.155 0.155 Average earning assets $ 258,600 $ 238,973 $ 202,511 $ 192,732 $ 191,092 Average loans and leases 189,255 174,216 146,607 135,944 133,171 Average total deposits 223,403 204,616 173,156 164,812 163,429 Tangible common equity tangible assets ratio 7.1 % 7.0 % 7.1 % 6.8 % 6.6 % Common equity Tier 1 risk-based capital ratio (1) 10.0 10.2 10.4 10.6 10.5 NCOs as a % of average loans and leases 0.25 % 0.26 % 0.24 % 0.22 % 0.20 % NAL ratio 0.84 0.71 0.62 0.59 0.62 ACL as a % of total loans and leases 1.78 1.78 1.83 1.86 1.86 (1)June 30, 2026 figure is estimated.Table 2 lists certain items that we believe are important to understanding corporate performance and trends (see Basis of Presentation).Table 2 Notable Items Influencing Earnings Pretax Impact (1) After-tax Impact (1) ($ in millions, except per share) Amount Net Income EPS (2) Three Months Ended June 30, 2026 Net income and EPS (GAAP) $ 727 $ 0.33 Acquisition-related expenses $ (152) (116) (0.06) Adjusted net income and EPS (non-GAAP) $ 843 $ 0.39 Three Months Ended March 31, 2026 Net income and EPS (GAAP) $ 523 $ 0.25 Acquisition-related expenses $ (263) (210) (0.11) CECL double count (3) (8) (6) (0.01) Adjusted net income and EPS (non-GAAP) $ 739 $ 0.37 Three Months Ended June 30, 2025 Net income and EPS (GAAP) $ 536 $ 0.34 FDIC Deposit Insurance Fund (DIF) special assessment (4) $ 3 2 Staffing efficiencies expense (5) (6) (5) (0.01) Adjusted net income and EPS (non-GAAP) $ 539 $ 0.35 (1)Favorable (unfavorable) impact.(2)EPS reflected on a fully diluted basis.(3)Represents CECL day 1 provision for credit losses associated with certain acquired Cadence loans that are scoped out of ASU 2025-08, which Huntington adopted on October 1, 2025. (4)Represents the updated estimates on the uninsured deposit losses and recoverable assets related to the FDIC DIF special assessment. These amounts are recorded in deposit and other insurance expense.(5)Staffing efficiencies include severance expense recorded in personnel costs.Net Interest Income, Net Interest Margin, and Average Balance SheetTable 3 Net Interest Income and Total Revenue 2026 2025 ($ in millions) Second First Fourth Third Second Change (%) Quarter Quarter Quarter Quarter Quarter LQ YOY Net interest income $ 2,052 $ 1,891 $ 1,592 $ 1,506 $ 1,467 9 % 40 % FTE adjustment 20 19 17 17 16 5 25 Net interest income - FTE (1) 2,072 1,910 1,609 1,523 1,483 8 40 Noninterest income 785 682 582 628 471 15 67 Total revenue - FTE (1) $ 2,857 $ 2,592 $ 2,191 $ 2,151 $ 1,954 10 % 46 % (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.Table 4 Net Interest Margin Summary 2026 2025 Second First Fourth Third Second Change (bp) Yield Rate (1) Quarter Quarter Quarter Quarter Quarter LQ YOY Total earning assets 5.28 % 5.27 % 5.25 % 5.39 % 5.40 % 1 (12) Total loans and leases 5.84 5.82 5.84 5.96 5.91 2 (7) Total investment and other securities 3.47 3.48 3.46 3.72 3.95 (1) (48) Total interest-bearing liabilities 2.59 2.53 2.65 2.81 2.85 6 (26) Total interest-bearing deposits 2.29 2.21 2.28 2.43 2.46 8 (17) Net interest rate spread 2.69 2.74 2.60 2.58 2.55 (5) 14 Impact of noninterest-bearing funds on margin 0.52 0.50 0.55 0.55 0.56 2 (4) Net interest margin 3.21 % 3.24 % 3.15 % 3.13 % 3.11 % (3) 10 (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See Page 9 of Quarterly Financial Supplement for additional yield rate detail.Fully-taxable equivalent (FTE) net interest income for the 2026 second quarter increased $589 million, or 40%, from the 2025 second quarter. The results primarily reflect a $67.5 billion, or 35%, increase in average earning assets and a 10 basis point increase in the net interest margin (NIM) to 3.21%, partially offset by a $53.0 billion, or 35%, 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 and organic growth. The 10 basis point increase in NIM largely reflected a decrease in funding costs, partially offset by lower yields on interest-earning assets. Compared to the 2026 first quarter, FTE net interest income increased $162 million, or 8%, driven by an increase in average earning assets of $19.6 billion, or 8%, partially offset by an increase in average interest-bearing liabilities of $15.2 billion, or 8%, and a decrease in NIM of 3 basis points to 3.21%. The increases in average earning assets and interest-bearing liabilities were largely attributable to the Cadence acquisition. The 3 basis point decrease to NIM reflected a modest increase in overall funding costs.Table 5 Average Earning Assets 2026 2025 ($ in billions) Second First Fourth Third Second Change (%) Quarter Quarter Quarter Quarter Quarter LQ YOY Total loans and leases Commercial and industrial $ 90.4 $ 81.5 $ 67.4 $ 61.4 $ 59.4 11 % 52 % Commercial real estate 23.9 21.1 14.3 10.7 10.8 13 122 Lease financing 5.7 5.8 5.5 5.5 5.5 5 Total commercial 120.0 108.4 87.1 77.6 75.6 11 59 Residential mortgage 33.5 30.4 25.1 24.5 24.4 10 37 Automobile 15.7 16.1 16.1 15.7 15.1 (3) 3 Home equity 11.9 11.3 10.4 10.3 10.2 5 16 RV and marine 5.6 5.6 5.7 5.9 5.9 0 (5) Other consumer 2.5 2.4 2.1 2.0 1.9 7 37 Total consumer 69.2 65.8 59.5 58.3 57.5 5 20 Total loans and leases 189.3 174.2 146.6 135.9 133.2 9 42 Total investment and other securities 50.9 47.7 42.6 43.4 44.3 7 15 Interest-earning deposits with banks 17.0 15.6 12.2 11.8 12.3 9 38 Other earning assets (1) 1.5 1.4 1.0 1.5 1.4 2 6 Total earning assets $ 258.6 $ 239.0 $ 202.5 $ 192.7 $ 191.1 8 % 35 % (1)Includes trading account assets and loans held for sale.See Page 7 of Quarterly Financial Supplement for additional detail.Average earning assets include the impact from the Cadence acquisition, which was completed on February 1, 2026, and the Veritex acquisition, which was completed on October 20, 2025. The Cadence acquisition added $36.9 billion of loans as of the acquisition date, 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 Veritex acquisition added $9.3 billion of loans as of the acquisition date, including $4.0 billion of commercial and industrial loans, $4.2 billion of commercial real estate loans, and $1.1 billion of residential mortgage loans.Average earning assets for the 2026 second quarter increased $67.5 billion, or 35%, from the year-ago quarter, primarily reflecting a $56.1 billion, or 42%, increase in average total loans and leases. Average loan and lease balance increases were led by growth in average commercial loans of $44.4 billion, or 59%, primarily driven by a $31.0 billion, or 52%, increase in average commercial and industrial loans and a $13.1 billion, or 122%, increase in average commercial real estate loans. Additionally, average consumer loans increased by $11.7 billion, or 20%, primarily driven by a $9.1 billion, or 37% increase in average residential mortgage loans, a $1.7 billion, or 16%, increase in average home equity loans, and a $518 million, or 3%, increase in average automobile loans. Compared to the 2026 first quarter, average earning assets increased $19.6 billion, or 8%, primarily reflecting a $15.0 billion, or 9%, increase in average total loans and leases. Average loan and lease balance increases were led by higher average commercial loan balances of $11.6 billion, or 11%, primarily driven by a $8.8 billion, or 11%, increase in average commercial and industrial loans and a $2.8 billion, or 13%, increase in average commercial real estate loans. Additionally, average consumer loans increased $3.4 billion, or 5%, primarily driven by a $3.1 billion, or 10%, increase in average residential mortgage and a $553 million, or 5%, increase in average home equity loans. Table 6 Average Liabilities 2026 2025 Second First Fourth Third Second Change (%) ($ in billions) Quarter Quarter Quarter Quarter Quarter LQ YOY Total deposits Demand deposits - noninterest-bearing $ 40.0 $ 35.5 $ 30.8 $ 29.0 $ 29.2 13 % 37 % Demand deposits - interest-bearing 62.4 53.0 47.2 46.0 44.7 18 40 Total demand deposits 102.4 88.5 78.0 75.0 73.9 16 39 Money market deposits 75.3 75.2 65.2 62.0 61.1 23 Savings deposits 18.9 18.0 15.4 15.0 15.1 5 25 Time deposits 26.8 22.9 14.7 12.8 13.3 17 101 Total deposits $ 223.4 $ 204.6 $ 173.2 $ 164.8 $ 163.4 9 % 37 % Short-term borrowings $ 1.9 $ 1.7 $ 0.9 $ 1.3 $ 1.3 8 % 50 % Long-term debt 21.0 20.2 17.3 17.4 17.8 4 18 Total debt $ 22.9 $ 22.0 $ 18.2 $ 18.7 $ 19.1 4 % 20 % Total interest-bearing liabilities $ 206.3 $ 191.1 $ 160.6 $ 154.5 $ 153.2 8 % 35 % Total liabilities 251.9 232.2 196.3 188.3 187.3 8 35 See Page 7 of Quarterly Financial Supplement for additional detail.Average liabilities also include the impact from both the Cadence and Veritex acquisitions. 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 comprised largely of time deposits, money market, and demand deposit balances. 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 largely comprised of money market account balances. Following completion of the acquisitions, certain higher-cost Cadence and Veritex deposits were allowed to run-off in order to optimize Huntington's funding mix.Average total liabilities for the 2026 second quarter increased $64.6 billion, or 35%, from the year-ago quarter, driven by increases in average total deposits of $60.0 billion, or 37%, and in average total debt of $3.8 billion, or 20%. Compared to the 2026 first quarter, average total liabilities increased $19.6 billion, driven by an increase in average total deposits of $18.8 billion, or 9%, and in average total debt of $723 million, or 4%. Noninterest IncomeTable 7 Noninterest Income 2026 2025 Second First Fourth Third Second Change (%) ($ in millions) Quarter Quarter Quarter Quarter Quarter LQ YOY Payments and cash management revenue $ 204 $ 187 $ 170 $ 174 $ 165 9 % 24 % Wealth and asset management revenue 134 120 102 104 102 12 31 Customer deposit and loan fees 128 110 107 102 95 16 35 Capital markets and advisory fees 140 132 101 94 84 6 67 Mortgage banking income 53 32 39 43 28 66 89 Insurance income 21 21 22 20 19 11 Leasing revenue 29 13 19 23 10 123 190 Net gains (losses) on sales of securities 2 13 (58) NM NM Other noninterest income 74 54 22 68 26 37 185 Total noninterest income $ 785 $ 682 $ 582 $ 628 $ 471 15 % 67 % Impact of Notable Item Gain on sale of a portion of corporate trust and custody business (other noninterest income) $ $ $ $ 24 $ Total adjusted noninterest income (Non-GAAP) $ 785 $ 682 $ 582 $ 604 $ 471 15 % 67 % Additional information Impact of mark-to-market and premiums from credit risk transfer transactions (included in other noninterest income) $ 8 $ 7 $ (3) $ (2) $ (5) NM NM NM - Not MeaningfulTotal noninterest income for the 2026 second quarter, inclusive of the impact of the Cadence and Veritex acquisitions, increased $314 million, or 67%, from the year-ago quarter. Capital markets and advisory fees increased $56 million, or 67%, primarily due to higher advisory fees from the legacy business and the impact of Janney and TM Capital, in addition to higher syndication fees. Payments and cash management revenue increased $39 million, or 24%, driven by higher cash management and interchange revenue. Customer deposit and loan fees increased $33 million, or 35%, primarily due to an increase in commitment fees and the volume of personal service charges. Wealth and asset management revenue increased $32 million, or 31%, largely due to higher investment management and trust income. Mortgage banking income increased $25 million, or 89%, primarily due to an increase in net origination and secondary marketing income. Other noninterest income increased $48 million largely due to the net impact of credit risk transfer transactions, favorable valuation changes on strategic and other investments, and an increase in bank owned life insurance income. Lastly, the 2025 second quarter results included a $58 million loss from the sale of certain investment securities as part of ongoing portfolio positioning. Total noninterest income for the 2026 second quarter, inclusive of the full quarter impact of the Cadence acquisition, increased $103 million, or 15%, compared to the 2026 first quarter. Mortgage banking income increased $21 million, or 66%, primarily due to a reduction in net mortgage servicing rights (MSR) risk management costs and an increase in net origination and secondary marketing income. Customer deposit and loans fees increased $18 million, or 16%, primarily due to increases in loan commitment fees and the volume of personal service charges. Payments and cash management revenue increased $17 million, or 9%, largely due to higher interchange revenue. Leasing revenue increased $16 million due to an increase in income on terminated leases. Other noninterest income increased $20 million largely due to favorable valuation changes for strategic investment and other investments.Noninterest ExpenseTable 8 Noninterest Expense 2026 2025 Second First Fourth Third Second Change (%) ($ in millions) Quarter Quarter Quarter Quarter Quarter LQ YOY Personnel costs $ 1,010 $ 992 $ 845 $ 757 $ 722 2 % 40 % Outside data processing and other services 326 311 222 198 182 5 79 Equipment 96 93 67 66 68 3 41 Net occupancy 90 85 56 57 54 6 67 Professional services 31 44 80 31 22 (30) 41 Marketing 38 37 36 34 28 3 36 Deposit and other insurance expense 38 35 (1) 9 20 9 90 Amortization of intangibles 54 41 13 11 11 32 391 Lease financing equipment depreciation 2 3 3 4 2 (33) Other noninterest expense 124 133 99 79 88 (7) 41 Total noninterest expense $ 1,809 $ 1,774 $ 1,420 $ 1,246 $ 1,197 2 % 51 % (in thousands) Average full-time equivalent employees 26.4 24.6 20.9 20.2 20.2 7 % 31 % NM - Not MeaningfulTable 9 - Impact of Notable Items 2026 2025 Second First Fourth Third Second ($ in millions) Quarter Quarter Quarter Quarter Quarter Personnel costs $ 38 $ 97 $ 50 $ $ 6 Outside data processing and other services 74 88 29 3 Equipment 15 19 2 1 Net occupancy 2 2 Professional services 4 18 57 9 Marketing 8 6 3 Deposit and other insurance expense 7 (23) (6) (3) Other noninterest expense 4 33 12 1 Total noninterest expense $ 152 $ 263 $ 130 $ 8 $ 3 Acquisition-related expenses included in Notable Items $ 152 $ 263 $ 154 $ 14 $ Notable Items in the second quarter of 2026 included $152 million of acquisition-related expenses primarily included in outside data processing and other services, personnel costs, and equipment expense. Notable Items in the first quarter of 2026 included $263 million of acquisition-related expenses primarily included in personnel costs, outside data processing and other services, and other noninterest expense. Notable Items in the second quarter of 2025 included $6 million of expense related to staffing efficiencies, as well as a $3 million benefit from ongoing adjustments related to the FDIC DIF special assessment. Table 10 - Adjusted Noninterest Expense (Non-GAAP) 2026 2025 Second First Fourth Third Second Change (%) ($ in millions) Quarter Quarter Quarter Quarter Quarter LQ YOY Personnel costs $ 972 $ 895 $ 795 $ 757 $ 716 9 % 36 % Outside data processing and other services 252 223 193 195 182 13 38 Equipment 81 74 65 65 68 9 19 Net occupancy 88 83 56 57 54 6 63 Professional services 27 26 23 22 22 4 23 Marketing 30 31 33 34 28 (3) 7 Deposit and other insurance expense 31 35 22 15 23 (11) 35 Amortization of intangibles 54 41 13 11 11 32 391 Lease financing equipment depreciation 2 3 3 4 2 (33) 0 Other noninterest expense 120 100 87 78 88 20 36 Total adjusted noninterest expense $ 1,657 $ 1,511 $ 1,290 $ 1,238 $ 1,194 10 % 39 % Reported total noninterest expense for the 2026 second quarter increased $612 million, or 51%, from the year-ago quarter. Excluding the impact from Notable Items, noninterest expense increased $463 million, or 39%, inclusive of the impact of the Cadence and Veritex acquisitions. Personnel costs increased $256 million, or 36%, due to higher salary, benefit, and incentive compensation expense. Outside data processing and other services increased $70 million, or 38%, primarily reflecting higher technology and data expense. Amortization of intangibles increased $43 million primarily due to the impact from the addition of core deposit intangibles from the acquisitions. Net occupancy increased $34 million, or 63%, largely due to increases in lease and depreciation expense. Other noninterest expense increased $32 million, or 36%, primarily due to an increased volume of expense activity driven by the impact of the acquisitions. Reported total noninterest expense increased $35 million, or 2%, from the 2026 first quarter. Excluding the impact from Notable Items, noninterest expense increased $146 million, or 10%, inclusive of the full quarter impact of the Cadence acquisition. Personnel costs increased $77 million, or 9%, due primarily to higher salary and incentive compensation expense. Outside data processing and other services increased $29 million, or 13%, primarily reflecting higher technology and data expense. Other noninterest expense increased $20 million, or 20%, due largely to higher travel expenses and franchise and other taxes. Credit QualityTable 11 Credit Quality Metrics 2026 2025 ($ in millions) June 30, March 31, December 31, September 30, June 30, Total nonaccrual loans and leases $ 1,589 $ 1,332 $ 931 $ 808 $ 842 Total other real estate, net 23 22 13 10 10 Other NPAs (1) 3 1 3 Total nonperforming assets 1,612 1,357 945 821 852 Accruing loans and leases past due 90+ days 443 421 282 234 241 NPAs + accruing loans leases past due 90+ days $ 2,055 $ 1,778 $ 1,227 $ 1,055 $ 1,093 NAL ratio (2) 0.84 % 0.71 % 0.62 % 0.59 % 0.62 % NPA ratio (3) 0.85 0.72 0.63 0.60 0.63 (NPAs+90 days) (Loans+OREO) 1.08 0.94 0.82 0.76 0.81 Provision for credit losses $ 132 $ 158 $ 123 $ 122 $ 103 Net charge-offs 119 111 89 75 66 Net charge-offs Average total loans and leases 0.25 % 0.26 % 0.24 % 0.22 % 0.20 % Allowance for loans and lease losses (ALLL) $ 3,249 $ 3,243 $ 2,537 $ 2,374 $ 2,331 Allowance for unfunded lending commitments 132 125 206 188 184 Allowance for credit losses (ACL) $ 3,381 $ 3,368 $ 2,743 $ 2,562 $ 2,515 ALLL as a % of Total loans and leases 1.72 % 1.72 % 1.70 % 1.72 % 1.73 % NALs 204 243 272 294 277 NPAs 202 239 269 289 274 ACL as a % of Total loans and leases 1.78 % 1.78 % 1.83 % 1.86 % 1.86 % NALs 213 253 295 317 299 NPAs 210 248 290 312 295 (1)Other nonperforming assets include certain impaired securities and or nonaccrual loans held-for-sale. (2)Total NALs as a % of total loans and leases.(3)Total NPAs as a % of sum of loans and leases, other real estate owned, and other NPAs.See Pages 12-15 of Quarterly Financial Supplement for additional detail.Nonperforming assets (NPAs) were $1.6 billion, or 0.85%, of total loans and leases, OREO and other NPAs, compared to $852 million, or 0.63%, a year-ago. Nonaccrual loans and leases (NALs) were $1.6 billion, or 0.84% of total loans and leases, compared to $842 million, or 0.62% of total loans and leases, a year-ago. The increase in NPAs, compared to a year-ago, was driven by increases in commercial and industrial, residential mortgage, and commercial real estate NALs, including NALs acquired as part of the Cadence and Veritex transactions. On a linked quarter basis, NPAs increased $255 million, or 19%, and NALs increased $257 million, or 19%, with the increases primarily driven by an increase in commercial and industrial, residential mortgage, and commercial real estate NALs.The provision for credit losses was $132 million in the 2026 second quarter, an increase of $29 million year-over-year and a decrease of $26 million quarter-over-quarter. Net charge-offs (NCOs) of $119 million increased $53 million year-over-year and $8 million quarter-over-quarter. NCOs represented an annualized 0.25% of average loans and leases in the current quarter, up from 0.20% in the year-ago quarter and down from 0.26% in the prior quarter. Commercial and consumer net charge-offs were 0.22% and 0.30%, respectively, for the 2026 second quarter.The allowance for loan and lease losses (ALLL) increased $918 million from the year-ago quarter to $3.2 billion, or 1.72% of total loans and leases. The allowance for credit losses (ACL) increased by $866 million from the year-ago quarter to $3.4 billion, or 1.78% of total loans and leases, consistent with the prior quarter and 8 basis points lower than the year-ago quarter. The increases in the ALLL and ACL were primarily driven by increases recorded for loans acquired in the Cadence and Veritex transactions, as well as loan growth over the past year.CapitalTable 12 Capital Ratios 2026 2025 ($ in billions) June 30, March 31, December 31, September 30, June 30, Tangible common equity tangible assets ratio 7.1 % 7.0 % 7.1 % 6.8 % 6.6 % Common equity tier 1 risk-based capital ratio (1) 10.0 10.2 10.4 10.6 10.5 Regulatory Tier 1 risk-based capital ratio (1) 11.3 11.6 12.0 12.4 11.8 Regulatory Total risk-based capital ratio (1) 13.6 13.8 14.2 14.7 14.1 Total risk-weighted assets (1) $ 214.2 $ 208.1 $ 166.7 $ 150.2 $ 148.6 (1)June 30, 2026 figures are estimated.See Pages 16-17 of Quarterly Financial Supplement for additional detail.The tangible common equity to tangible assets ratio was 7.1% at June 30, 2026, up slightly from 7.0% at March 31, 2026, as an increase in tangible common equity from current period earnings, net of dividends, and a decline in tangible assets driven by lower interest-earning deposits with banks, were partially offset by common share repurchases and a decline in accumulated other comprehensive income. Common Equity Tier 1 (CET1) risk-based capital ratio was 10.0% at June 30, 2026, compared to 10.2% at March 31, 2026, with the decrease driven by higher risk-weighted assets and the impact of share repurchases being partially offset by an increase from current period earnings, net of dividends.Income TaxesThe provision for income taxes was $165 million in the 2026 second quarter compared to $114 million in the 2026 first quarter. The effective tax rate for the 2026 second quarter was 18.4%, compared to 17.8% for the 2026 first quarter. The increase in the effective tax rate was primarily driven by acquisition-related activity in the prior quarter.Conference Call Webcast InformationHuntington s senior management will host an earnings conference call on July 23, 2026, at 9 00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington s website, www.huntington.com, or through a dial-in telephone number at (877) 407-8029 Conference ID #13761371. Slides will be available in the Investor Relations section of Huntington s website about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington s website. A telephone replay will be available approximately two hours after the completion of the call through July 31, 2026 at (877) 660-6853 or (201) 612-7415 conference ID #13761371.Please see the 2026 Second Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found on the Investor Relations section of Huntington's website, http www.huntington.com.About HuntingtonHuntington Bancshares Incorporated is a $284 billion asset regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, The Huntington National Bank and its affiliates provide consumers, small and middle market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Huntington operates over 1,400 branches in 21 states, with certain businesses operating in extended geographies. Visit Huntington.com for more information. Caution Regarding Forward-Looking StatementsThis communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements which are not historical facts and are subject to numerous assumptions, risks, estimates, and uncertainties that are beyond the control of Huntington. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, continue, believe, intend, estimate, plan, trend, objective, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995.While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements or historical performance changes in general economic, political, regulatory, or industry conditions deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages instability in global economic conditions and geopolitical conditions, including U.S. direct involvement in war and other conflicts, as well as volatility in financial markets changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business, results of operations, and financial condition the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirements and costs, such as Federal Deposit Insurance Corporation ( FDIC ) special assessments, long-term debt requirements and heightened capital requirements potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital unexpected outflows of deposits which may require us to sell investment securities at a loss changing interest rates which could negatively impact the value of our portfolio of investment securities the loss of value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals market perceptions of us and banks generally, including from the effects of social media cybersecurity risks uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System ( Federal Reserve ) volatility and disruptions in global capital, foreign exchange, and credit markets movements in interest rates competitive pressures on product pricing and services success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our Fair Play banking philosophy introduction of new competitive products, such as stablecoins, and new competitors, such as financial technology companies and other nontraditional bank competitors changes in policies and standards for regulatory review of bank mergers the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the Securities and Exchange Commission ( SEC ), the Office of the Comptroller of the Currency, the Federal Reserve, the FDIC, the Consumer Financial Protection Bureau, and state-level regulators the possibility that the anticipated benefits of recent or proposed acquisitions are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the companies or as a result of the strength of the economy and competitive factors in the areas where the companies do business and other factors that may affect the future results of Huntington.All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above. Forward-looking statements speak only as of the date they are made and are based on information available at that time. Huntington does not assume any obligation to update forward-looking statements to reflect actual results, new information or future events, changes in assumptions or changes in circumstances or other factors affecting forward-looking statements that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. If Huntington updates one or more forward-looking statements, no inference should be drawn that Huntington will make additional updates with respect to those or other forward-looking statements. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. See also the other reports filed with the SEC, including discussions under the Forward-Looking Statements and Risk Factors of Huntington s Annual Report on Form 10-K for the year ended December 31, 2025 and in its subsequent Quarterly Reports on Form 10-Q, including for the quarter ended March 31, 2026, as filed with the SEC and available on its website at www.sec.gov.Basis of PresentationUse of Non-GAAP Financial MeasuresThis document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this document, the financial supplement, conference call slides, or the Form 8-K related to this document, all of which can be found in the Investor Relations section of Huntington s website, http www.huntington.com.Annualized DataCertain returns, yields, performance ratios, or quarterly growth rates are presented on an annualized basis. This is done for analytical and decision-making purposes to better discern underlying performance trends when compared to full-year or year-over-year amounts. For example, loan and deposit growth rates, as well as net charge-off percentages, are most often expressed in terms of an annual rate like 8%. As such, a 2% growth rate for a quarter would represent an annualized 8% growth rate.Fully-Taxable Equivalent Interest Income and Net Interest MarginIncome from tax-exempt earning assets is increased by an amount equivalent to the taxes that would have been paid if this income had been taxable at statutory rates. This adjustment puts all earning assets, most notably tax-exempt municipal securities, and certain lease assets, on a common basis that facilitates comparison of results to results of competitors.RoundingPlease note that items in this document may not add due to rounding.Notable ItemsFrom time to time, revenue, expenses, or taxes are impacted by items judged by management to be outside of ordinary banking activities and or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by management at that time to be infrequent or short term in nature. We refer to such items as Notable Items. Management believes it is useful to consider certain financial metrics with and without Notable Items, in order to enable a better understanding of company results, increase comparability of period-to-period results, and to evaluate and forecast those results.

EX-99.2 3 hban20260630_8kex992.htm EX-99.2 DocumentExhibit 99.2HUNTINGTON BANCSHARES INCORPORATEDQuarterly Financial SupplementJune 30, 2026 Table of Contents Quarterly Key Statistics 1 Year-to-Date Key Statistics 2 Consolidated Balance Sheets 4 Loans and Leases Composition 5 Deposits Composition 6 Consolidated Quarterly Average Balance Sheets 7 Consolidated Quarterly Net Interest Margin - Interest Income Expense 8 Consolidated Quarterly Net Interest Margin - Yield Rate 9 Selected Quarterly Income Statement Data 10 Quarterly Mortgage Banking Noninterest Income 11 Quarterly Credit Reserves Analysis 12 Quarterly Net Charge-Off Analysis 13 Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) 14 Quarterly Accruing Past Due Loans and Leases 15 Quarterly Capital Under Current Regulatory Standards (Basel III) 16 Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data 17 Consolidated Year-to-Date Average Balance Sheets 19 Consolidated Year-to-Date Net Interest Margin - Interest Income Expense 20 Consolidated Year-to-Date Net Interest Margin - Yields Rates 21 Selected Year-to-Date Income Statement Data 22 Year-to-Date Mortgage Banking Noninterest Income 23 Year-to-Date Credit Reserves Analysis 24 Year-to-Date Net Charge-Off Analysis 25 Year-to-Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) 26 Basis of PresentationThe preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Non-GAAP Financial MeasuresThis document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding our results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found herein. Fully-Taxable Equivalent (FTE) BasisInterest income, yields, and ratios on a FTE basis are considered non-GAAP financial measures. Management believes net interest income on a FTE basis provides a more accurate picture of the interest margin for comparison purposes. The FTE basis also allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources. The FTE basis assumes a federal statutory tax rate of 21%.Non-Regulatory Capital RatiosIn addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including Tangible common equity to tangible assets, Tangible common equity to risk-weighted assets using Basel III definition, and Adjusted common equity tier 1 (CET1).These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company s capitalization to other financial services companies. The tangible common equity ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. The adjusted CET1 ratio differs from the defined CET1 regulatory capital ratio the Company is subject to by including the impact of accumulated other comprehensive income (loss) (AOCI) excluding cash flow hedges in the calculation of the capital ratio. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures.Because there are no standardized definitions for these non-regulatory capital ratios, the Company s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure. Notable ItemsFrom time to time, revenue, expenses, or taxes are impacted by items judged by management to be outside of ordinary banking activities and or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by management at that time to be infrequent or short term in nature. We refer to such items as Notable Items. Management believes it is useful to consider certain financial metrics with and without Notable Items, in order to enable a better understanding of company results, increase comparability of period-to-period results, and to evaluate and forecast those results.Huntington Bancshares IncorporatedQuarterly Key Statistics(Unaudited) Three Months Ended (dollar amounts in millions, except per share data) June 30, March 31, June 30, Percent Changes vs. 2026 2026 2025 1Q26 2Q25 Net interest income - FTE (1) $ 2,072 $ 1,910 $ 1,483 8 % 40 % FTE adjustment (20) (19) (16) (5) (25) Net interest income 2,052 1,891 1,467 9 40 Provision for credit losses 132 158 103 (16) 28 Noninterest income 785 682 471 15 67 Noninterest expense 1,809 1,774 1,197 2 51 Income before income taxes 896 641 638 40 40 Provision for income taxes 165 114 96 45 72 Income after income taxes 731 527 542 39 35 Income attributable to non-controlling interest 4 4 6 (33) Net income attributable to Huntington 727 523 536 39 36 Dividends on preferred shares 41 41 27 52 Net income applicable to common shares $ 686 $ 482 $ 509 42 % 35 % Net income per common share - diluted $ 0.33 $ 0.25 $ 0.34 32 % (3) % Cash dividends declared per common share 0.155 0.155 0.155 Tangible book value per common share at end of period (2) 9.65 9.55 9.13 1 6 Average common shares - basic 2,021 1,869 1,457 8 39 Average common shares - diluted 2,048 1,901 1,481 8 38 Ending common shares outstanding 2,020 2,027 1,459 38 Return on average assets 1.02 % 0.81 % 1.04 % Return on average common shareholders equity 9.3 7.2 11.0 Return on average tangible common shareholders equity (3) 15.1 11.6 16.1 Net interest margin (1) 3.21 3.24 3.11 Efficiency ratio (4) 61.5 67.2 59.0 Effective tax rate 18.4 17.8 15.0 Average total assets $ 284,481 $ 262,170 $ 207,852 9 % 37 % Average earning assets 258,600 238,973 191,092 8 35 Average loans and leases 189,255 174,216 133,171 9 42 Average total deposits 223,403 204,616 163,429 9 37 Average Huntington shareholders equity 32,555 29,896 20,548 9 58 Average common shareholders' equity 29,675 27,050 18,559 10 60 Average tangible common shareholders' equity 19,404 18,024 12,935 8 50 Total assets at end of period 283,984 285,372 207,742 37 Total Huntington shareholders equity at end of period 32,624 32,535 20,928 56 NCOs as a % of average loans and leases 0.25 % 0.26 % 0.20 % NAL ratio 0.84 0.71 0.62 NPA ratio (5) 0.85 0.72 0.63 Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period 1.72 1.72 1.73 Allowance for credit losses (ACL) as a % of total loans and leases at the end of period 1.78 1.78 1.86 Common equity tier 1 risk-based capital ratio (6) 10.0 10.2 10.5 Tangible common equity tangible asset ratio (7) 7.1 7.0 6.6 See Notes to Quarterly and Year-to-Date Key Statistics.1Huntington Bancshares IncorporatedYear-to-Date Key Statistics (Unaudited) Six Months Ended June 30, Change (dollar amounts in millions, except per share data) 2026 2025 Amount Percent Net interest income - FTE (1) $ 3,982 $ 2,924 $ 1,058 36 % FTE adjustment (39) (31) (8) (26) Net interest income 3,943 2,893 1,050 36 Provision for credit losses 290 218 72 33 Noninterest income 1,467 965 502 52 Noninterest expense 3,583 2,349 1,234 53 Income before income taxes 1,537 1,291 246 19 Provision for income taxes 279 218 61 28 Income after income taxes 1,258 1,073 185 17 Income attributable to non-controlling interest 8 10 (2) (20) Net income attributable to Huntington 1,250 1,063 187 18 Dividends on preferred shares 82 54 28 52 Net income applicable to common shares $ 1,168 $ 1,009 $ 159 16 % Net income per common share - diluted $ 0.59 $ 0.68 $ (0.09) (13) % Cash dividends declared per common share 0.31 0.31 Average common shares - basic 1,946 1,456 490 34 Average common shares - diluted 1,975 1,482 493 33 Return on average assets 0.92 % 1.04 % Return on average common shareholders equity 8.3 11.1 Return on average tangible common shareholders equity (3) 13.4 16.4 Net interest margin (1) 3.23 3.11 Efficiency ratio (4) 64.2 58.9 Effective tax rate 18.1 16.8 Average total assets $ 273,387 $ 206,477 $ 66,910 32 % Average earning assets 248,841 189,703 59,138 31 Average loans and leases 181,777 132,023 49,754 38 Average total deposits 214,061 162,519 51,542 32 Average Huntington shareholders equity 31,233 20,274 10,959 54 Average common shareholders' equity 28,370 18,285 10,085 55 Average tangible common shareholders' equity 18,718 12,657 6,061 48 NCOs as a % of average loans and leases 0.25 % 0.23 % See Notes to Quarterly and Year-to-Date Key Statistics.2Notes to Quarterly and Year-to-Date Key Statistics(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. (2)Tangible book value per common share, a non-GAAP measure, is calculated as tangible common shareholders' equity divided by period end common shares outstanding.(3)Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common shareholders equity. Average tangible common shareholders equity equals average total common shareholders equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.(4)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.(5)NPAs include other nonperforming assets, which includes certain impaired securities and or nonaccrual loans held for sale, and other real estate owned.(6)June 30, 2026 figure is estimated.(7)Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets), which represents a non-GAAP measure. Other intangible assets are net of deferred tax liability, calculated at a 21% tax rate. See page 17 for reconciliation.3Huntington Bancshares IncorporatedConsolidated Balance Sheets At June 30, At March 31, At December 31, Percent Changes vs. (dollar amounts in millions) 2026 2026 2025 1Q26 4Q25 (Unaudited) (Unaudited) Assets Cash and due from banks $ 3,330 $ 2,096 $ 1,783 59 % 87 % Interest-earning deposits with banks 12,714 17,579 12,295 (28) 3 Trading account assets 326 199 63 64 417 Available-for-sale securities 35,206 35,557 26,132 (1) 35 Held-to-maturity securities 14,384 14,768 15,258 (3) (6) Other securities 1,383 1,281 994 8 39 Loans held for sale 1,886 1,073 1,415 76 33 Loans and leases (1) 189,422 188,818 149,642 27 Allowance for loan and lease losses (3,249) (3,243) (2,537) (28) Net loans and leases 186,173 185,575 147,105 27 Bank-owned life insurance 3,676 3,673 2,902 27 Accrued income and other receivables 2,960 2,197 2,621 35 13 Premises and equipment 2,171 2,138 1,321 2 64 Goodwill 9,527 9,527 5,997 59 Servicing rights and other intangible assets 1,691 1,727 752 (2) 125 Other assets 8,557 7,982 6,468 7 32 Total assets $ 283,984 $ 285,372 $ 225,106 % 26 % Liabilities and shareholders' equity Liabilities Deposits (2) $ 222,466 $ 223,482 $ 176,610 % 26 % Short-term borrowings 3,111 1,875 1,261 66 % 147 % Long-term debt 18,738 21,594 17,221 (13) 9 Other liabilities 7,004 5,840 5,635 20 24 Total liabilities 251,319 252,791 200,727 (1) 25 Shareholders' equity Preferred stock 2,881 2,881 2,731 5 Common stock 20 20 16 25 Capital surplus 25,150 25,273 17,244 46 Less treasury shares, at cost (94) (95) (92) 1 (2) Accumulated other comprehensive income (loss) (2,213) (2,059) (1,908) (7) (16) Retained earnings 6,880 6,515 6,351 6 8 Total Huntington shareholders equity 32,624 32,535 24,342 34 Non-controlling interest 41 46 37 (11) 11 Total equity 32,665 32,581 24,379 34 Total liabilities and equity $ 283,984 $ 285,372 $ 225,106 % 26 % Common shares authorized (par value of $0.01) 2,250,000,000 2,250,000,000 2,250,000,000 Common shares outstanding 2,020,414,826 2,027,130,587 1,567,732,506 Treasury shares outstanding 7,152,410 7,269,138 7,187,541 Preferred stock, authorized shares 6,617,808 6,617,808 6,617,808 Preferred shares outstanding 891,900 891,900 885,000 (1)See page 5 for detail of loans and leases.(2)See page 6 for detail of deposits.4Huntington Bancshares IncorporatedLoans and Leases Composition(Unaudited) June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Ending balances by type Total loans and leases Commercial Commercial and industrial $ 91,378 49 % $ 89,282 47 % $ 69,442 46 % $ 62,978 45 % $ 60,723 45 % Commercial real estate 23,457 12 24,337 13 15,209 10 10,732 8 10,698 8 Lease financing 5,714 3 5,796 3 5,727 4 5,515 4 5,516 4 Total commercial 120,549 64 119,415 63 90,378 60 79,225 57 76,937 57 Consumer Residential mortgage 33,221 18 33,458 19 24,777 17 24,502 18 24,527 19 Automobile 15,460 8 15,953 8 16,168 11 15,996 12 15,382 11 Home equity 11,884 6 11,831 6 10,395 7 10,314 7 10,221 8 RV and marine 5,706 3 5,627 3 5,682 4 5,805 4 5,907 4 Other consumer 2,602 1 2,534 1 2,242 1 2,114 2 1,986 1 Total consumer 68,873 36 69,403 37 59,264 40 58,731 43 58,023 43 Total loans and leases $ 189,422 100 % $ 188,818 100 % $ 149,642 100 % $ 137,956 100 % $ 134,960 100 % Ending balances by business segment Consumer Regional Banking $ 103,317 55 % $ 104,578 55 % $ 79,069 53 % $ 75,027 55 % $ 73,887 55 % Commercial Banking 86,089 45 84,199 45 70,391 47 62,755 45 60,823 45 Treasury Other 16 41 182 174 250 Total loans and leases $ 189,422 100 % $ 188,818 100 % $ 149,642 100 % $ 137,956 100 % $ 134,960 100 % Average balances by business segment Consumer Regional Banking $ 104,270 55 % $ 95,969 55 % $ 77,908 53 % $ 74,306 55 % $ 73,154 55 % Commercial Banking 84,706 45 78,029 45 68,388 47 61,373 45 59,806 45 Treasury Other 279 218 311 265 211 Total loans and leases $ 189,255 100 % $ 174,216 100 % $ 146,607 100 % $ 135,944 100 % $ 133,171 100 % 5Huntington Bancshares IncorporatedDeposits Composition(Unaudited) June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Ending balances by type Total deposits Demand deposits - noninterest-bearing $ 40,129 18 % $ 40,839 18 % $ 32,205 18 % $ 28,596 17 % $ 28,656 18 % Demand deposits - interest-bearing 62,395 28 61,086 27 48,510 27 46,056 28 45,468 28 Money market deposits 75,717 34 75,554 34 65,123 37 62,837 38 60,998 37 Savings deposits 18,820 9 18,971 9 15,426 9 14,986 9 15,112 9 Time deposits 25,405 11 27,032 12 15,346 9 12,737 8 13,146 8 Total deposits $ 222,466 100 % $ 223,482 100 % $ 176,610 100 % $ 165,212 100 % $ 163,380 100 % Ending balances by business segment Consumer Regional Banking $ 150,687 68 % $ 153,000 69 % $ 117,188 66 % $ 110,043 67 % $ 111,926 68 % Commercial Banking 62,713 28 60,775 27 50,657 29 47,651 28 43,691 27 Treasury Other 9,066 4 9,707 4 8,765 5 7,518 5 7,763 5 Total deposits $ 222,466 100 % $ 223,482 100 % $ 176,610 100 % $ 165,212 100 % $ 163,380 100 % Average balances by business segment Consumer Regional Banking $ 152,612 68 % $ 138,557 67 % $ 114,613 66 % $ 111,138 68 % $ 112,135 69 % Commercial Banking 61,597 28 56,622 28 50,470 29 46,346 28 43,288 26 Treasury Other 9,194 4 9,437 5 8,073 5 7,328 4 8,006 5 Total deposits $ 223,403 100 % $ 204,616 100 % $ 173,156 100 % $ 164,812 100 % $ 163,429 100 % 6Huntington Bancshares IncorporatedConsolidated Quarterly Average Balance Sheets(Unaudited) Quarterly Average Balances (1) June 30, March 31, December 31, September 30, June 30, Percent Changes vs. (dollar amounts in millions) 2026 2026 2025 2025 2025 1Q26 2Q25 Assets Interest-earning deposits with banks $ 16,977 $ 15,634 $ 12,231 $ 11,823 $ 12,264 9 % 38 % Trading account assets 281 235 112 629 634 20 (56) Investment and other securities Available-for-sale securities Taxable 31,486 28,063 22,879 23,485 24,015 12 31 Tax-exempt 3,487 3,441 3,405 3,318 3,251 1 7 Total available-for-sale securities 34,973 31,504 26,284 26,803 27,266 11 28 Held-to-maturity securities - taxable 14,571 14,975 15,397 15,752 16,130 (3) (10) Other securities 1,369 1,219 949 888 881 12 55 Total investment and other securities 50,913 47,698 42,630 43,443 44,277 7 15 Loans held for sale 1,174 1,190 931 893 746 (1) 57 Loans and leases (2) Commercial Commercial and industrial 90,371 81,535 67,378 61,440 59,393 11 52 Commercial real estate 23,925 21,138 14,268 10,692 10,785 13 122 Lease financing 5,726 5,754 5,498 5,483 5,458 5 Total commercial 120,022 108,427 87,144 77,615 75,636 11 59 Consumer Residential mortgage 33,515 30,392 25,098 24,511 24,423 10 37 Automobile 15,650 16,056 16,114 15,693 15,132 (3) 3 Home equity 11,878 11,325 10,372 10,264 10,196 5 16 RV and marine 5,646 5,631 5,747 5,860 5,921 (5) Other consumer 2,544 2,385 2,132 2,001 1,863 7 37 Total consumer 69,233 65,789 59,463 58,329 57,535 5 20 Total loans and leases 189,255 174,216 146,607 135,944 133,171 9 42 Total earning assets 258,600 238,973 202,511 192,732 191,092 8 35 Cash and due from banks 2,036 1,778 1,396 1,445 1,407 15 45 Goodwill and other intangible assets 10,468 9,175 6,043 5,625 5,640 14 86 All other assets 13,377 12,244 10,280 9,925 9,713 9 38 Total assets $ 284,481 $ 262,170 $ 220,230 $ 209,727 $ 207,852 9 % 37 % Liabilities and shareholders' equity Interest-bearing deposits Demand deposits - interest-bearing $ 62,388 $ 52,985 $ 47,185 $ 45,980 $ 44,677 18 % 40 % Money market deposits 75,309 75,216 65,182 62,009 61,090 23 Savings deposits 18,940 18,033 15,360 15,042 15,127 5 25 Time deposits 26,758 22,864 14,661 12,773 13,290 17 101 Total interest-bearing deposits 183,395 169,098 142,388 135,804 134,184 8 37 Short-term borrowings 1,887 1,745 897 1,267 1,261 8 50 Long-term debt 20,971 20,248 17,335 17,433 17,776 4 18 Total interest-bearing liabilities 206,253 191,091 160,620 154,504 153,221 8 35 Demand deposits - noninterest-bearing 40,008 35,518 30,768 29,008 29,245 13 37 All other liabilities 5,620 5,624 4,907 4,826 4,788 17 Total liabilities 251,881 232,233 196,295 188,338 187,254 8 35 Total Huntington shareholders equity 32,555 29,896 23,896 21,348 20,548 9 58 Non-controlling interest 45 41 39 41 50 10 (10) Total equity 32,600 29,937 23,935 21,389 20,598 9 58 Total liabilities and equity $ 284,481 $ 262,170 $ 220,230 $ 209,727 $ 207,852 9 % 37 % (1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.(2)Includes nonaccrual loans and leases.7Huntington Bancshares IncorporatedConsolidated Quarterly Net Interest Margin - Interest Income Expense(Unaudited) Quarterly Interest Income Expense (1) (2) June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Assets Interest-earning deposits with banks $ 156 $ 141 $ 124 $ 134 $ 139 Trading account assets 3 2 7 6 Investment and other securities Available-for-sale securities Taxable 285 258 212 246 278 Tax-exempt 43 42 43 41 41 Total available-for-sale securities 328 300 255 287 319 Held-to-maturity securities - taxable 97 99 103 105 107 Other securities 17 16 11 12 12 Total investment and other securities 442 415 369 404 438 Loans held for sale 19 18 14 15 12 Loans and leases Commercial Commercial and industrial 1,336 1,191 1,023 959 914 Commercial real estate 370 327 233 187 183 Lease financing 101 99 91 93 92 Total commercial 1,807 1,617 1,347 1,239 1,189 Consumer Residential mortgage 404 353 269 259 253 Automobile 229 232 241 234 219 Home equity 202 193 184 190 186 RV and marine 76 76 80 80 79 Other consumer 64 58 54 55 51 Total consumer 975 912 828 818 788 Total loans and leases 2,782 2,529 2,175 2,057 1,977 Total earning assets $ 3,402 $ 3,105 $ 2,682 $ 2,617 $ 2,572 Liabilities Interest-bearing deposits Demand deposits - interest-bearing $ 285 $ 246 $ 227 $ 235 $ 223 Money market deposits 493 446 437 466 464 Savings deposits 39 30 19 13 11 Time deposits 231 198 137 116 124 Total interest-bearing deposits 1,048 920 820 830 822 Short-term borrowings 18 16 10 13 13 Long-term debt 264 259 243 251 254 Total interest-bearing liabilities 1,330 1,195 1,073 1,094 1,089 Net interest income $ 2,072 $ 1,910 $ 1,609 $ 1,523 $ 1,483 (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 10 for the FTE adjustment.(2)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories. 8Huntington Bancshares IncorporatedConsolidated Quarterly Net Interest Margin - Yield Rate(Unaudited) Quarterly Average Yield Rate (1) June 30, March 31, December 31, September 30, June 30, 2026 2026 2025 2025 2025 Assets Interest-earning deposits with banks 3.67 % 3.62 % 4.03 % 4.53 % 4.52 % Trading account assets 3.97 3.70 2.58 4.03 3.72 Investment and other securities Available-for-sale securities Taxable 3.62 3.67 3.72 4.19 4.62 Tax-exempt 4.92 4.86 4.99 5.02 4.93 Total available-for-sale securities 3.75 3.80 3.88 4.29 4.66 Held-to-maturity securities - taxable 2.65 2.65 2.66 2.66 2.66 Other securities 5.00 5.17 4.86 5.15 5.85 Total investment and other securities 3.47 3.48 3.46 3.72 3.95 Loans held for sale 6.16 6.19 6.13 6.52 6.43 Loans and leases (2) Commercial Commercial and industrial 5.85 5.85 5.94 6.11 6.09 Commercial real estate 6.12 6.17 6.39 6.86 6.71 Lease financing 6.98 6.86 6.48 6.69 6.66 Total commercial 5.96 5.96 6.05 6.25 6.22 Consumer Residential mortgage 4.81 4.65 4.29 4.23 4.15 Automobile 5.87 5.86 5.93 5.92 5.82 Home equity 6.85 6.89 7.02 7.34 7.32 RV and marine 5.44 5.44 5.53 5.41 5.31 Other consumer 10.09 9.88 10.11 10.82 10.88 Total consumer 5.65 5.59 5.54 5.57 5.49 Total loans and leases 5.84 5.82 5.84 5.96 5.91 Total earning assets 5.28 5.27 5.25 5.39 5.40 Liabilities Interest-bearing deposits Demand deposits - interest-bearing 1.83 1.88 1.91 2.02 2.00 Money market deposits 2.62 2.41 2.66 2.99 3.05 Savings deposits 0.83 0.68 0.47 0.35 0.28 Time deposits 3.46 3.50 3.69 3.60 3.74 Total interest-bearing deposits 2.29 2.21 2.28 2.43 2.46 Short-term borrowings 3.65 3.83 4.45 3.90 4.37 Long-term debt 5.06 5.09 5.61 5.75 5.69 Total interest-bearing liabilities 2.59 2.53 2.65 2.81 2.85 Net interest rate spread 2.69 2.74 2.60 2.58 2.55 Impact of noninterest-bearing funds on margin 0.52 0.50 0.55 0.55 0.56 Net interest margin 3.21 % 3.24 % 3.15 % 3.13 % 3.11 % Additional information Commercial Loan Derivative Impact Commercial loans (2) (3) 6.02 % 6.04 % 6.23 % 6.50 % 6.49 % Impact of commercial loan derivatives (0.06) (0.08) (0.18) (0.25) (0.27) Total commercial - as reported 5.96 % 5.96 % 6.05 % 6.25 % 6.22 % Average SOFR 3.62 % 3.66 % 4.00 % 4.33 % 4.32 % Total cost of deposits (4) 1.88 % 1.82 % 1.88 % 2.00 % 2.02 % (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 10 for the FTE adjustment.(2)Includes nonaccrual loans and leases.(3)Yields rates exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.(4)Includes noninterest-bearing and interest-bearing deposit balances. 9Huntington Bancshares IncorporatedSelected Quarterly Income Statement Data(Unaudited) Three Months Ended (dollar amounts in millions, except per share data) June 30, March 31, December 31, September 30, June 30, 2026 2026 2025 2025 2025 Interest income $ 3,382 $ 3,086 $ 2,665 $ 2,600 $ 2,556 Interest expense 1,330 1,195 1,073 1,094 1,089 Net interest income 2,052 1,891 1,592 1,506 1,467 Provision for credit losses 132 158 123 122 103 Net interest income after provision for credit losses 1,920 1,733 1,469 1,384 1,364 Payments and cash management revenue 204 187 170 174 165 Wealth and asset management revenue 134 120 102 104 102 Customer deposit and loan fees 128 110 107 102 95 Capital markets and advisory fees 140 132 101 94 84 Mortgage banking income 53 32 39 43 28 Insurance income 21 21 22 20 19 Leasing revenue 29 13 19 23 10 Net gains (losses) on sales of securities 2 13 (58) Other noninterest income 74 54 22 68 26 Total noninterest income 785 682 582 628 471 Personnel costs 1,010 992 845 757 722 Outside data processing and other services 326 311 222 198 182 Equipment 96 93 67 66 68 Net occupancy 90 85 56 57 54 Professional services 31 44 80 31 22 Marketing 38 37 36 34 28 Deposit and other insurance expense 38 35 (1) 9 20 Amortization of intangibles 54 41 13 11 11 Lease financing equipment depreciation 2 3 3 4 2 Other noninterest expense 124 133 99 79 88 Total noninterest expense 1,809 1,774 1,420 1,246 1,197 Income before income taxes 896 641 631 766 638 Provision for income taxes 165 114 108 133 96 Income after income taxes 731 527 523 633 542 Income attributable to non-controlling interest 4 4 4 4 6 Net income attributable to Huntington 727 523 519 629 536 Dividends on preferred shares 41 41 43 27 27 Net income applicable to common shares $ 686 $ 482 $ 476 $ 602 $ 509 Average common shares - basic 2,021 1,869 1,544 1,459 1,457 Average common shares - diluted 2,048 1,901 1,570 1,485 1,481 Per common share Net income - basic $ 0.34 $ 0.26 $ 0.31 $ 0.41 $ 0.35 Net income - diluted 0.33 0.25 0.30 0.41 0.34 Cash dividends declared 0.155 0.155 0.155 0.155 0.155 Revenue - fully-taxable equivalent (FTE) Net interest income $ 2,052 $ 1,891 $ 1,592 $ 1,506 $ 1,467 FTE adjustment 20 19 17 17 16 Net interest income FTE (1) 2,072 1,910 1,609 1,523 1,483 Noninterest income 785 682 582 628 471 Total revenue FTE (1) $ 2,857 $ 2,592 $ 2,191 $ 2,151 $ 1,954 (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.10Huntington Bancshares IncorporatedQuarterly Mortgage Banking Noninterest Income(Unaudited) Three Months Ended June 30, March 31, December 31, September 30, June 30, Percent Changes vs. (dollar amounts in millions) 2026 2026 2025 2025 2025 1Q26 2Q25 Net origination and secondary marketing income $ 45 $ 35 $ 28 $ 30 $ 26 29 % 73 % Net mortgage servicing income Loan servicing income 32 32 26 26 26 23 Amortization of capitalized servicing (24) (21) (20) (17) (18) (14) (33) Operating income 8 11 6 9 8 (27) MSR valuation adjustment (1) 2 (5) 13 (1) 140 100 Gains (losses) due to MSR hedging (2) (10) (8) 4 (6) 80 67 Net MSR risk management (15) 5 3 (6) 100 100 Total net mortgage servicing income 8 (4) 11 12 2 300 300 All other 1 1 (100) Mortgage banking income $ 53 $ 32 $ 39 $ 43 $ 28 66 % 89 % Mortgage origination volume $ 3,581 $ 2,323 $ 2,178 $ 2,243 $ 2,412 54 % 48 % Mortgage origination volume for sale 1,964 1,457 1,421 1,516 1,508 35 30 Third party mortgage loans serviced (2) $ 43,419 $ 42,796 $ 34,407 $ 34,370 $ 33,925 1 % 28 % Mortgage servicing rights (2) 752 735 593 576 567 2 33 MSR % of investor servicing portfolio (2) 1.73 % 1.72 % 1.72 % 1.67 % 1.67 % 1 % 4 % (1)The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.(2)At period end.11Huntington Bancshares IncorporatedQuarterly Credit Reserves Analysis(Unaudited) Three Months Ended June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Allowance for loan and lease losses, beginning of period $ 3,243 $ 2,537 $ 2,374 $ 2,331 $ 2,263 Loan and lease charge-offs (191) (173) (145) (137) (111) Recoveries of loans and leases previously charged off 72 62 56 62 45 Net loan and lease charge-offs (119) (111) (89) (75) (66) Provision for loan and lease losses 125 250 109 118 134 Allowance on purchased credit deteriorated (PCD) loans and leases at acquisition 322 71 Allowance on purchased seasoned loans and leases at acquisition (1) 245 72 Allowance for loan and lease losses, end of period 3,249 3,243 2,537 2,374 2,331 Allowance for unfunded lending commitments, beginning of period 125 206 188 184 215 Provision (benefit) for unfunded lending commitments 7 (92) 14 4 (31) Allowance for unfunded lending commitments at acquisition 11 4 Allowance for unfunded lending commitments, end of period 132 125 206 188 184 Total allowance for credit losses, end of period $ 3,381 $ 3,368 $ 2,743 $ 2,562 $ 2,515 Allowance for loan and lease losses (ALLL) as % of Total loans and leases 1.72 % 1.72 % 1.70 % 1.72 % 1.73 % Nonaccrual loans and leases (NALs) 204 243 272 294 277 Nonperforming assets (NPAs) 202 239 269 289 274 Total allowance for credit losses (ACL) as % of Total loans and leases 1.78 % 1.78 % 1.83 % 1.86 % 1.86 % Nonaccrual loans and leases (NALs) 213 253 295 317 299 Nonperforming assets (NPAs) 210 248 290 312 295 (1) Reflects Huntington's October 1, 2025 adoption of Accounting Standards Update (ASU) 2025-08 applicable to purchased loans whereby non-PCD loans acquired in a business combination are deemed purchased seasoned loans and subject to the gross-approach resulting in recognition of an allowance for credit losses at acquisition. June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Allocation of allowance for credit losses Commercial Commercial and industrial $ 1,443 $ 1,390 $ 1,070 $ 1,084 $ 1,068 Commercial real estate 800 819 569 419 417 Lease financing 96 96 92 65 63 Total commercial 2,339 2,305 1,731 1,568 1,548 Consumer Residential mortgage 259 291 205 204 208 Automobile 169 178 181 172 161 Home equity 174 171 149 160 153 RV and marine 129 134 136 141 143 Other consumer 179 164 135 129 118 Total consumer 910 938 806 806 783 Total allowance for loan and lease losses 3,249 3,243 2,537 2,374 2,331 Allowance for unfunded lending commitments 132 125 206 188 184 Total allowance for credit losses $ 3,381 $ 3,368 $ 2,743 $ 2,562 $ 2,515 12Huntington Bancshares IncorporatedQuarterly Net Charge-Off Analysis(Unaudited) Three Months Ended June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Net charge-offs (recoveries) by loan and lease type Commercial Commercial and industrial $ 66 $ 54 $ 40 $ 39 $ 32 Commercial real estate 3 2 8 (4) (3) Lease financing (3) (8) 1 2 Total commercial 66 56 40 36 31 Consumer Residential mortgage 3 1 1 Automobile 12 15 14 10 7 Home equity 1 1 RV and marine 6 7 6 4 5 Other consumer 31 32 29 24 22 Total consumer 53 55 49 39 35 Total net charge-offs $ 119 $ 111 $ 89 $ 75 $ 66 Net charge-offs (recoveries) - annualized percentages Commercial Commercial and industrial 0.29 % 0.26 % 0.24 % 0.25 % 0.22 % Commercial real estate 0.06 0.03 0.21 (0.13) (0.14) Lease financing (0.18) 0.01 (0.53) 0.04 0.12 Total commercial 0.22 0.21 0.18 0.18 0.16 Consumer Residential mortgage 0.03 0.02 0.01 0.01 0.01 Automobile 0.32 0.38 0.36 0.26 0.19 Home equity 0.01 0.02 (0.01) 0.01 0.01 RV and marine 0.44 0.51 0.45 0.30 0.33 Other consumer 4.88 5.30 5.22 4.92 4.86 Total consumer 0.30 0.34 0.33 0.27 0.25 Net charge-offs as a % of average loans and leases 0.25 % 0.26 % 0.24 % 0.22 % 0.20 % 13Huntington Bancshares Incorporated Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) (1)(Unaudited) June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Nonaccrual loans and leases (NALs) Commercial and industrial $ 986 $ 824 $ 562 $ 455 $ 489 Commercial real estate 243 188 133 131 138 Lease financing 8 9 8 10 10 Residential mortgage 223 185 107 97 93 Automobile 7 6 6 6 5 Home equity 120 117 113 108 105 RV and marine 2 2 2 1 2 Other consumer 1 Total nonaccrual loans and leases 1,589 1,332 931 808 842 Other real estate, net 23 22 13 10 10 Other NPAs (1) 3 1 3 Total nonperforming assets $ 1,612 $ 1,357 $ 945 $ 821 $ 852 Nonaccrual loans and leases as a % of total loans and leases 0.84 % 0.71 % 0.62 % 0.59 % 0.62 % NPA ratio (2) 0.85 0.72 0.63 0.60 0.63 (NPA+90days) (Loan+OREO) (3) 1.08 0.94 0.82 0.76 0.81 Three Months Ended June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Nonperforming assets, beginning of period $ 1,357 $ 945 $ 821 $ 852 $ 804 Acquired nonperforming assets 295 81 New nonperforming assets 737 403 300 252 343 Returns to accruing status (36) (52) (22) (25) (27) Charge-offs (122) (121) (75) (62) (57) Payments (306) (108) (141) (167) (203) Sales (18) (5) (19) (29) (8) Nonperforming assets, end of period $ 1,612 $ 1,357 $ 945 $ 821 $ 852 (1)Other nonperforming assets include certain impaired securities and or nonaccrual loans held-for-sale.(2)Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.(3)The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate owned.14Huntington Bancshares IncorporatedQuarterly Accruing Past Due Loans and Leases(Unaudited) June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Accruing loans and leases past due 90+ days Commercial and industrial $ 2 $ 2 $ 1 $ 1 $ 4 Commercial real estate 3 Lease financing 6 5 9 6 14 Residential mortgage (excluding loans guaranteed by the U.S. Government) 66 46 46 35 40 Automobile 12 12 14 12 10 Home equity 24 22 16 20 18 RV and marine 3 3 4 3 2 Other consumer 5 6 6 5 4 Total, excl. loans guaranteed by the U.S. Government 118 99 96 82 92 Add loans guaranteed by U.S. Government 325 322 186 152 149 Total accruing loans and leases past due 90+ days, including loans guaranteed by the U.S. Government $ 443 $ 421 $ 282 $ 234 $ 241 Ratios Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases 0.06 % 0.05 % 0.06 % 0.06 % 0.07 % Guaranteed by U.S. Government, as a percent of total loans and leases 0.17 0.17 0.12 0.11 0.11 Including loans guaranteed by the U.S. Government, as a percent of total loans and leases 0.23 0.22 0.19 0.17 0.18 15Huntington Bancshares IncorporatedQuarterly Capital Under Current Regulatory Standards (Basel III)(Unaudited) June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Common equity tier 1 risk-based capital ratio (1) Total Huntington shareholders equity $ 32,624 $ 32,535 $ 24,342 $ 22,248 $ 20,928 Regulatory capital adjustments Shareholders preferred equity and related surplus (2,891) (2,891) (2,741) (2,741) (1,999) Accumulated other comprehensive loss 2,208 2,055 1,904 2,065 2,241 Goodwill and other intangibles, net of taxes (10,126) (10,180) (5,999) (5,481) (5,508) Deferred tax assets from tax loss and credit carryforwards (427) (359) (220) (167) (123) Common equity tier 1 capital 21,388 21,160 17,286 15,924 15,539 Additional tier 1 capital Shareholders preferred equity and related surplus 2,891 2,891 2,741 2,741 1,999 Tier 1 capital 24,279 24,051 20,027 18,665 17,538 Long-term debt and other tier 2 qualifying instruments 2,127 2,126 1,480 1,477 1,606 Qualifying allowance for loan and lease losses 2,670 2,595 2,086 1,880 1,859 Tier 2 capital 4,797 4,721 3,566 3,357 3,465 Total risk-based capital $ 29,076 $ 28,772 $ 23,593 $ 22,022 $ 21,003 Risk-weighted assets (RWA) (1) $ 214,192 $ 208,132 $ 166,684 $ 150,222 $ 148,602 Common equity tier 1 risk-based capital ratio (1) 10.0 % 10.2 % 10.4 % 10.6 % 10.5 % Other regulatory capital data Tier 1 leverage ratio (1) 8.8 9.5 9.3 9.0 8.5 Tier 1 risk-based capital ratio (1) 11.3 11.6 12.0 12.4 11.8 Total risk-based capital ratio (1) 13.6 13.8 14.2 14.7 14.1 Reconciliation of Non-GAAP Measure (2) Common equity tier 1 (CET1) capital (A) $ 21,388 $ 21,160 $ 17,286 $ 15,924 $ 15,539 Add Accumulated other comprehensive income (loss) (AOCI) (2,208) (2,055) (1,904) (2,065) (2,241) Less AOCI cash flow hedge (167) (49) 27 16 (7) Adjusted common equity tier 1 (B) 19,347 19,154 15,355 13,843 13,305 Risk-weighted assets (RWA) (C) 214,192 208,132 166,684 150,222 148,602 CET1 ratio (A C) 10.0 % 10.2 % 10.4 % 10.6 % 10.5 % Adjusted CET1 ratio (B C) 9.0 9.2 9.2 9.2 9.0 (1)June 30, 2026 figures are estimated.(2) Huntington believes certain non-GAAP financial measures to be helpful in understanding Huntington s results of operations. The following provides the comparable regulatory financial measure, as well as the reconciliation to the comparable regulatory financial measure. 16Huntington Bancshares IncorporatedQuarterly Common Stock Summary, Non-Regulatory Capital, and Other Data(Unaudited)Quarterly Common Stock Summary June 30, March 31, December 31, September 30, June 30, 2026 2026 2025 2025 2025 Cash dividends declared per common share $ 0.155 $ 0.155 $ 0.155 $ 0.155 $ 0.155 Common shares outstanding (in millions) Average - basic 2,021 1,869 1,544 1,459 1,457 Average - diluted 2,048 1,901 1,570 1,485 1,481 Ending 2,020 2,027 1,568 1,459 1,459 Tangible book value per common share (1) $ 9.65 $ 9.55 $ 9.89 $ 9.54 $ 9.13 (1) Represents a non-GAAP measure that excludes preferred stock and intangible assets, net of deferred taxes, to derive tangible common equity.Non-Regulatory Capital June 30, March 31, December 31, September 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 Calculation of tangible equity asset ratio Total Huntington shareholders equity $ 32,624 $ 32,535 $ 24,342 $ 22,248 $ 20,928 Goodwill and other intangible assets (10,442) (10,496) (6,142) (5,611) (5,635) Deferred tax liability on other intangible assets (1) 192 203 30 13 16 Total tangible equity 22,374 22,242 18,230 16,650 15,309 Preferred equity (2,881) (2,881) (2,731) (2,731) (1,989) Total tangible common equity $ 19,493 $ 19,361 $ 15,499 $ 13,919 $ 13,320 Total assets $ 283,984 $ 285,372 $ 225,106 $ 210,228 $ 207,742 Goodwill and other intangible assets (10,442) (10,496) (6,142) (5,611) (5,635) Deferred tax liability on other intangible assets (1) 192 203 30 13 16 Total tangible assets $ 273,734 $ 275,079 $ 218,994 $ 204,630 $ 202,123 Shareholders' equity total assets 11.5 % 11.4 % 10.8 % 10.6 % 10.1 % Tangible equity tangible asset ratio 8.2 8.1 8.3 8.1 7.6 Tangible common equity tangible asset ratio 7.1 7.0 7.1 6.8 6.6 Tangible common equity RWA ratio (2) 9.1 9.3 9.3 9.3 9.0 (1)Deferred tax liability related to other intangible assets is calculated at a 21% tax rate.(2)Estimated at June 30, 2026.Other Data June 30, March 31, December 31, September 30, June 30, 2026 2026 2025 2025 2025 Number of employees (Average full-time equivalent) 26,407 24,641 20,924 20,247 20,242 Number of domestic full-service branches (1) 1,407 1,403 1,005 972 971 ATM Count 2,016 2,043 1,591 1,569 1,565 (1)Includes Regional Banking and The Huntington Private Bank offices.17Huntington Bancshares IncorporatedQuarterly Common Stock Summary, Non-Regulatory Capital, and Other Data (continued)(Unaudited)Return on Average Tangible Common Shareholders' Equity Three Months Ended Six Months Ended June 30, March 31, December 31, September 30, June 30, June 30, June 30, (dollar amounts in millions) 2026 2026 2025 2025 2025 2026 2025 Calculation of return on average tangible common shareholders' equity ratio Average Huntington common shareholders' equity $ 29,675 $ 27,050 $ 21,165 $ 19,197 $ 18,559 $ 28,370 $ 18,285 Less Intangible assets and goodwill, net of tax effect 10,271 9,026 6,015 5,610 5,624 9,652 5,628 Average tangible common shareholders' equity (A) $ 19,404 $ 18,024 $ 15,150 $ 13,587 $ 12,935 $ 18,718 $ 12,657 Net income applicable to common shares $ 686 $ 482 $ 476 $ 602 $ 509 $ 1,168 $ 1,009 Add Amortization of intangibles, net of deferred tax 42 33 10 8 9 75 18 Tangible net income applicable to common shares $ 728 $ 515 $ 486 $ 610 $ 518 $ 1,243 $ 1,027 Add Notable Items, after tax 116 216 99 (13) 3 332 5 Adjusted net income applicable to common shares, excluding Notable Items $ 844 $ 731 $ 585 $ 597 $ 521 $ 1,575 $ 1,032 Tangible net income applicable to common shares, annualized (B) $ 2,920 $ 2,089 $ 1,928 $ 2,420 $ 2,078 $ 2,507 $ 2,071 Adjusted net income applicable to common shares, excluding Notable Items, annualized (C) 3,385 2,965 2,320 2,369 2,090 3,176 2,081 Return on average tangible common shareholders' equity (B A) 15.1 % 11.6 % 12.7 % 17.8 % 16.1 % 13.4 % 16.4 % Adjusted return on average tangible common shareholders' equity, excluding Notable Items (C A) 17.5 % 16.4 % 15.3 % 17.4 % 16.2 % 17.0 % 16.4 % Efficiency Ratio Three Months Ended Six Months Ended (amounts in millions) June 30, 2026 March 31, 2026 June 30, 2025 June 30, 2026 June 30, 2025 Noninterest expense (GAAP) $ 1,809 $ 1,774 $ 1,197 $ 3,583 $ 2,349 Less Intangible amortization 54 41 11 95 22 Noninterest expense less amortization of intangibles (non-GAAP) $ 1,755 $ 1,733 $ 1,186 $ 3,488 $ 2,327 Net interest income $ 2,052 $ 1,891 $ 1,467 $ 3,943 $ 2,893 Noninterest income 785 682 471 1,467 965 Total Revenue (GAAP) 2,837 2,573 1,938 5,410 3,858 Add FTE adjustment (1) 20 19 16 39 31 Less Gains (losses) on sales of securities 2 13 (58) 15 (58) FTE revenue less gains (losses) on sales of securities (non-GAAP) $ 2,855 $ 2,579 $ 2,012 $ 5,434 $ 3,947 Efficiency Ratio (2) 61.5 % 67.2 % 59.0 % 64.2 % 58.9 % (1)Calculated on an FTE basis, which represents a non-GAAP measure, assuming a 21% tax rate.(2)Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding gains (losses) on sales of securities, which represents a non-GAAP measure.18Huntington Bancshares IncorporatedConsolidated Year-To-Date Average Balance Sheets(Unaudited) YTD Average Balances (1) Six Months Ended June 30, Change (dollar amounts in millions) 2026 2025 Amount Percent Assets Interest-earning deposits with banks $ 16,309 $ 11,950 $ 4,359 36 % Trading account assets 258 561 (303) (54) Investment and other securities Available-for-sale securities Taxable 29,784 24,130 5,654 23 Tax-exempt 3,464 3,252 212 7 Total available-for-sale securities 33,248 27,382 5,866 21 Held-to-maturity securities - taxable 14,772 16,243 (1,471) (9) Other securities 1,295 879 416 47 Total investment and other securities 49,315 44,504 4,811 11 Loans held for sale 1,182 665 517 78 Loans and leases (2) Commercial Commercial and industrial 85,978 58,478 27,500 47 Commercial real estate 22,539 10,902 11,637 107 Lease financing 5,740 5,467 273 5 Total commercial 114,257 74,847 39,410 53 Consumer Residential mortgage 31,962 24,362 7,600 31 Automobile 15,852 14,900 952 6 Home equity 11,603 10,160 1,443 14 RV and marine 5,639 5,936 (297) (5) Other consumer 2,464 1,818 646 36 Total consumer 67,520 57,176 10,344 18 Total loans and leases 181,777 132,023 49,754 38 Total earning assets 248,841 189,703 59,138 31 Cash and due from banks 1,908 1,406 502 36 Goodwill and other intangible assets 9,825 5,646 4,179 74 All other assets 12,813 9,722 3,091 32 Total assets $ 273,387 $ 206,477 $ 66,910 32 % Liabilities and shareholders' equity Interest-bearing deposits Demand deposits - interest-bearing $ 57,711 $ 44,132 $ 13,579 31 % Money market deposits 75,263 60,654 14,609 24 Savings deposits 18,489 14,998 3,491 23 Time deposits 24,822 13,639 11,183 82 Total interest-bearing deposits 176,285 133,423 42,862 32 Short-term borrowings 1,816 1,350 466 35 Long-term debt 20,611 17,341 3,270 19 Total interest-bearing liabilities 198,712 152,114 46,598 31 Demand deposits - noninterest-bearing 37,776 29,096 8,680 30 All other liabilities 5,623 4,944 679 14 Total liabilities 242,111 186,154 55,957 30 Total Huntington shareholders equity 31,233 20,274 10,959 54 Non-controlling interest 43 49 (6) (12) Total equity 31,276 20,323 10,953 54 Total liabilities and equity $ 273,387 $ 206,477 $ 66,910 32 % (1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.(2)Includes nonaccrual loans and leases.19Huntington Bancshares IncorporatedConsolidated Year-To-Date Net Interest Margin - Interest Income Expense(Unaudited) YTD Interest Income Expense (1) (2) Six Months Ended June 30, (dollar amounts in millions) 2026 2025 Assets Interest-earning deposits with banks $ 297 $ 268 Trading account assets 5 10 Investment and other securities Available-for-sale securities Taxable 543 565 Tax-exempt 85 83 Total available-for-sale securities 628 648 Held-to-maturity securities - taxable 196 215 Other securities 33 24 Total investment and other securities 857 887 Loans held for sale 37 21 Loans and leases Commercial Commercial and industrial 2,527 1,787 Commercial real estate 697 368 Lease financing 200 181 Total commercial 3,424 2,336 Consumer Residential mortgage 757 503 Automobile 461 426 Home equity 395 369 RV and marine 152 157 Other consumer 122 99 Total consumer 1,887 1,554 Total loans and leases 5,311 3,890 Total earning assets $ 6,507 $ 5,076 Liabilities Interest-bearing deposits Demand deposits - interest-bearing $ 531 $ 428 Money market deposits 939 922 Savings deposits 69 18 Time deposits 429 264 Total interest-bearing deposits 1,968 1,632 Short-term borrowings 34 27 Long-term debt 523 493 Total interest-bearing liabilities 2,525 2,152 Net interest income $ 3,982 $ 2,924 (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 22 for the FTE adjustment.(2)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.20Huntington Bancshares IncorporatedConsolidated Year-To-Date Net Interest Margin - Yields Rates(Unaudited) YTD Average Yields Rates (1) Six Months Ended June 30, 2026 2025 Assets Interest-earning deposits with banks 3.65 % 4.49 % Trading account assets 3.84 3.70 Investment and other securities Available-for-sale securities Taxable 3.65 4.68 Tax-exempt 4.89 5.08 Total available-for-sale securities 3.77 4.73 Held-to-maturity securities - taxable 2.65 2.65 Other securities 5.08 5.57 Total investment and other securities 3.47 3.98 Loans held for sale 6.18 6.45 Loans and leases (2) Commercial Commercial and industrial 5.85 6.08 Commercial real estate 6.15 6.71 Lease financing 6.92 6.57 Total commercial 5.96 6.21 Consumer Residential mortgage 4.74 4.13 Automobile 5.87 5.77 Home equity 6.87 7.33 RV and marine 5.44 5.32 Other consumer 9.99 10.94 Total consumer 5.62 5.47 Total loans and leases 5.83 5.89 Total earning assets 5.27 % 5.40 % Liabilities Interest-bearing deposits Demand deposits - interest-bearing 1.86 % 1.96 % Money market deposits 2.52 3.06 Savings deposits 0.76 0.24 Time deposits 3.48 3.90 Total interest-bearing deposits 2.25 2.47 Short-term borrowings 3.73 4.10 Long-term debt 5.07 5.68 Total interest-bearing liabilities 2.56 2.85 Net interest rate spread 2.71 2.55 Impact of noninterest-bearing funds on margin 0.52 0.56 Net interest margin 3.23 % 3.11 % Additional information Commercial Loan Derivative Impact Commercial loans (2) (3) 6.03 % 6.53 % Impact of commercial loan derivatives (0.07) (0.32) Total commercial - as reported 5.96 % 6.21 % Average SOFR 3.64 % 4.33 % Total cost of deposits (4) 1.85 % 2.02 % (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 22 for the FTE adjustment.(2)Includes nonaccrual loans and leases.(3)Yield rates exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.(4)Includes noninterest-bearing and interest-bearing deposit balances. 21Huntington Bancshares IncorporatedSelected Year-To-Date Income Statement Data(Unaudited) Six Months Ended June 30, Change (dollar amounts in millions, except per share data) 2026 2025 Amount Percent Interest income $ 6,468 $ 5,045 $ 1,423 28 % Interest expense 2,525 2,152 373 17 Net interest income 3,943 2,893 1,050 36 Provision for credit losses 290 218 72 33 Net interest income after provision for credit losses 3,653 2,675 978 37 Payments and cash management revenue 391 320 71 22 Wealth and asset management revenue 254 203 51 25 Customer deposit and loan fees 238 181 57 31 Capital markets and advisory fees 272 151 121 80 Mortgage banking income 85 59 26 44 Insurance income 42 39 3 8 Leasing revenue 42 24 18 75 Net gains (losses) on sales of securities 15 (58) 73 126 Other noninterest income 128 46 82 178 Total noninterest income 1,467 965 502 52 Personnel costs 2,002 1,393 609 44 Outside data processing and other services 637 352 285 81 Equipment 189 135 54 40 Net occupancy 175 119 56 47 Professional services 75 44 31 70 Marketing 75 57 18 32 Deposit and other insurance expense 73 57 16 28 Amortization of intangibles 95 22 73 332 Lease financing equipment depreciation 5 6 (1) (17) Other noninterest expense 257 164 93 57 Total noninterest expense 3,583 2,349 1,234 53 Income before income taxes 1,537 1,291 246 19 Provision for income taxes 279 218 61 28 Income after income taxes 1,258 1,073 185 17 Income attributable to non-controlling interest 8 10 (2) (20) Net income attributable to Huntington 1,250 1,063 187 18 Dividends on preferred shares 82 54 28 52 Net income applicable to common shares $ 1,168 $ 1,009 $ 159 16 % Average common shares - basic 1,946 1,456 490 34 Average common shares - diluted 1,975 1,482 493 33 Per common share Net income - basic $ 0.60 $ 0.69 $ (0.09) (13) % Net income - diluted 0.59 0.68 (0.09) (13) Cash dividends declared 0.31 0.31 Revenue - fully taxable equivalent (FTE) Net interest income $ 3,943 $ 2,893 $ 1,050 36 % FTE adjustment 39 31 8 26 Net interest income (1) 3,982 2,924 1,058 36 Noninterest income 1,467 965 502 52 Total revenue (1) $ 5,449 $ 3,889 $ 1,560 40 % (1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.22Huntington Bancshares IncorporatedYear-To-Date Mortgage Banking Noninterest Income(Unaudited) Six Months Ended June 30, Change (dollar amounts in millions) 2026 2025 Amount Percent Net origination and secondary marketing income $ 80 $ 44 $ 36 82 % Net mortgage servicing income Loan servicing income 64 52 12 23 Amortization of capitalized servicing (45) (31) (14) (45) Operating income 19 21 (2) (10) MSR valuation adjustment (1) (3) (15) 12 80 (Losses) gains due to MSR hedging (12) 9 (21) (233) Net MSR risk management (15) (6) (9) Total net mortgage servicing income 4 15 (11) (73) All other 1 1 100 Mortgage banking income $ 85 $ 59 $ 26 44 % Mortgage origination volume $ 5,904 $ 4,011 $ 1,893 47 % Mortgage origination volume for sale 3,421 2,446 975 40 Third party mortgage loans serviced (2) 43,419 33,925 9,494 28 Mortgage servicing rights (2) 752 567 185 33 MSR % of investor servicing portfolio (2) 1.73 % 1.67 % 0.06 % 4 % (1)The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.(2)At period end.23Huntington Bancshares IncorporatedYear-To-Date Credit Reserves Analysis(Unaudited) Six Months Ended June 30, (dollar amounts in millions) 2026 2025 Allowance for loan and lease losses, beginning of period $ 2,537 $ 2,244 Loan and lease charge-offs (364) (244) Recoveries of loans and leases previously charged off 134 92 Net loan and lease charge-offs (230) (152) Provision for loan and lease losses 375 239 Allowance on purchased credit deteriorated (PCD) loans and leases at acquisition 322 Allowance on purchased seasoned loans and leases at acquisition (1) 245 Allowance for loan and lease losses, end of period 3,249 2,331 Allowance for unfunded lending commitments, beginning of period 206 202 Provision (benefit) for unfunded lending commitments (85) (18) Allowance for unfunded lending commitments at acquisition 11 Allowance for unfunded lending commitments, end of period 132 184 Total allowance for credit losses, end of period $ 3,381 $ 2,515 Allowance for loan and lease losses (ALLL) as % of Total loans and leases 1.72 % 1.73 % Nonaccrual loans and leases (NALs) 204 277 Nonperforming assets (NPAs) 202 274 Total allowance for credit losses (ACL) as % of Total loans and leases 1.78 % 1.86 % Nonaccrual loans and leases (NALs) 213 299 Nonperforming assets (NPAs) 210 295 (1) Reflects Huntington's October 1, 2025 adoption of Accounting Standards Update (ASU) 2025-08 applicable to purchased loans whereby non-PCD loans acquired in a business combination are deemed purchased seasoned loans and subject to the gross-approach resulting in recognition of an allowance for credit losses at acquisition.24Huntington Bancshares IncorporatedYear-To-Date Net Charge-Off Analysis(Unaudited) Six Months Ended June 30, (dollar amounts in millions) 2026 2025 Net charge-offs (recoveries) by loan and lease type Commercial Commercial and industrial $ 120 $ 80 Commercial real estate 5 (11) Lease financing (3) 6 Total commercial 122 75 Consumer Residential mortgage 4 1 Automobile 27 20 Home equity 1 RV and marine 13 12 Other consumer 63 44 Total consumer 108 77 Total net charge-offs $ 230 $ 152 Net charge-offs (recoveries) - annualized percentages Commercial Commercial and industrial 0.28 % 0.28 % Commercial real estate 0.04 (0.20) Lease financing (0.08) 0.22 Total commercial 0.21 0.20 Consumer Residential mortgage 0.02 0.01 Automobile 0.35 0.27 Home equity 0.02 0.01 RV and marine 0.47 0.39 Other consumer 5.08 4.87 Total consumer 0.32 0.27 Net charge-offs as a % of average loans and leases 0.25 % 0.23 % 25Huntington Bancshares IncorporatedYear-To-Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)(Unaudited) At June 30, (dollar amounts in millions) 2026 2025 Nonaccrual loans and leases (NALs) Commercial and industrial $ 986 $ 489 Commercial real estate 243 138 Lease financing 8 10 Residential mortgage 223 93 Automobile 7 5 Home equity 120 105 RV and marine 2 2 Total nonaccrual loans and leases 1,589 842 Other real estate, net 23 10 Other NPAs (1) Total nonperforming assets $ 1,612 $ 852 Nonaccrual loans and leases as a % of total loans and leases 0.84 % 0.62 % NPA ratio (2) 0.85 0.63 (NPA+90days) (Loan+OREO) (3) 1.08 0.81 Six Months Ended June 30, (dollar amounts in millions) 2026 2025 Nonperforming assets, beginning of period $ 945 $ 822 Acquired nonperforming assets 295 New nonperforming assets 1,140 593 Returns to accruing status (88) (58) Charge-offs (243) (112) Payments (414) (381) Sales (23) (12) Nonperforming assets, end of period $ 1,612 $ 852 (1)Other nonperforming assets include certain impaired securities and or nonaccrual loans held-for-sale.(2)Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.(3)The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate owned.26