HUNTINGTON BANCSHARES INC /MD/

For the period ended Dec 31, 2025. Filed Feb 13, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 13, 2026

HBANL$24.80+0.1%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income

	Year Ended December 31,
(dollar amounts in millions, except per share data, share amounts in thousands)	2025	2024	2023
Interest and fee income:
Loans and leases	$8,092	$7,481	$6,811
Available-for-sale securities
Taxable	1,023	1,251	1,016
Tax-exempt	132	112	104
Held-to-maturity securities-taxable	423	385	401
Other securities-taxable	47	42	53
Other	593	650	531
Total interest income	10,310	9,921	8,916
Interest expense:
Deposits	3,282	3,572	2,497
Short-term borrowings	50	69	179
Long-term debt	987	935	801
Total interest expense	4,319	4,576	3,477
Net interest income	5,991	5,345	5,439
Provision for credit losses	463	420	402
Net interest income after provision for credit losses	5,528	4,925	5,037
Noninterest income:
Payments and cash management revenue	664	620	585
Wealth and asset management revenue	409	364	328
Customer deposit and loan fees	390	334	312
Capital markets and advisory fees	346	327	248
Mortgage banking income	141	130	109
Insurance income	81	77	74
Leasing revenue	66	79	112
Net gains (losses) on sales of securities	(58)	(21)	(7)
Other noninterest income	136	130	160
Total noninterest income	2,175	2,040	1,921
Noninterest expense:
Personnel costs	2,995	2,701	2,529
Outside data processing and other services	772	665	605
Equipment	268	267	263
Net occupancy	232	221	246
Professional services	155	99	99
Marketing	127	116	115
Deposit and other insurance expense	65	114	302
Amortization of intangibles	46	47	50
Lease financing equipment depreciation	13	15	27
Other noninterest expense	342	317	338
Total noninterest expense	5,015	4,562	4,574
Income before income taxes	2,688	2,403	2,384
Provision for income taxes	459	443	413
Income after income taxes	2,229	1,960	1,971
Income attributable to non-controlling interest	18	20	20
Net income attributable to Huntington	2,211	1,940	1,951
Dividends on preferred shares	124	134	142
Impact of preferred stock redemptions and repurchases	—	5	(8)
Net income applicable to common shares	$2,087	$1,801	$1,817
Average common shares—basic	1,478,945	1,451,421	1,446,449
Average common shares—diluted	1,504,836	1,476,442	1,468,016
Per common share:
Net income—basic	$1.41	$1.24	$1.26
Net income—diluted	1.39	1.22	1.24

102 Huntington Bancshares Incorporated

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