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

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Glossary of Acronyms and Terms

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

165(d) Resolution Plan	A resolution plan submitted of the Federal Reserve and FDIC on behalf of a covered bank holding company pursuant to Section 165(d) of the Dodd-Frank Act	DOJ	Department of Justice
2024 Banking Addendum	2024 Banking Addendum to 2023 Merger Guidelines	EAD	Exposure at Default
ACL	Allowance for Credit Losses	ELT	Executive Leadership Team
AFS	Available-for-Sale	EOP	End of Period
AI	Artificial Intelligence	ERM	Enterprise Risk Management
ALCO	Asset-Liability Management Committee	ESG	Environmental, Social, and Governance
ALLL	Allowance for Loan and Lease Losses	EVE	Economic Value of Equity
AML	Anti-Money Laundering	FASB	Financial Accounting Standards Board
AOCI	Accumulated Other Comprehensive Income (Loss)	FCRA	Fair Credit Reporting Act
ASC	Accounting Standards Codification	FDIA	Federal Deposit Insurance Act
ASU	Accounting Standards Update	FDIC	Federal Deposit Insurance Corporation
ATM	Automated Teller Machine	Fed Fund	The targeted rate by the Federal Reserve to secure overnight funding
AULC	Allowance for Unfunded Lending Commitments	Federal Reserve	Board of Governors of the Federal Reserve System
Bank Secrecy Act	Financial Recordkeeping and Reporting of Currency and Foreign Transactions Act of 1970	FFIEC	Federal Financial Institutions Examination Council
Basel III	Refers to the final rule issued by the FRB and OCC and published in the Federal Register on October 11, 2013	FHC	Financial Holding Company
BHC	Bank Holding Company	FHLB	Federal Home Loan Bank
BHC Act	Bank Holding Company Act of 1956	FICO	Fair Isaac Corporation
Board	Board of Directors	FinCEN	Financial Crimes Enforcement Network
C&I	Commercial and Industrial	FINRA	Financial Industry Regulatory Authority, Inc.
Cadence	Cadence Bank	FRB	Federal Reserve Bank
CCAR	Comprehensive Capital Analysis and Review	FRG	Financial Recovery Group
CCB	Capital Conservation Buffer	FTE	Fully-Taxable Equivalent
CCPA	California Consumer Privacy Act of 2018, as amended by the California Privacy Act of 2020	FTP	Funds Transfer Pricing
CCyB	Countercyclical Capital Buffer	FVO	Fair Value Option
CDI	Core Deposit Intangible	GAAP	Generally Accepted Accounting Principles in the United States of America
CDS	Credit Default Swap	GDP	Gross Domestic Product
CECL	Current Expected Credit Losses	GLBA	Gramm-Leach-Bliley Act
CEO	Chief Executive Officer	HQLA	High-Quality Liquid Assets
CET1	Common Equity Tier 1	HTM	Held-to-Maturity
CFPB	Bureau of Consumer Financial Protection	IDI Resolution Plan	A resolution plan submitted to the FDIC on behalf of a covered insured depository institution pursuant to 12 CFR 360.10
CIRCIA	Cyber Incident Reporting for Critical Infrastructure Act	IRS	Internal Revenue Service
CISA	Cybersecurity Information Sharing Act	LCR	Liquidity Coverage Ratio
CISA Agency	Cybersecurity and Infrastructure Security Agency	LFI Rating System	Large Financial Institution Rating System
CLN	Credit Linked Note	LGD	Loss Given Default
CME	Chicago Mercantile Exchange	LIHTC	Low Income Housing Tax Credit
CMO	Collateralized Mortgage Obligations	LTV	Loan-to-Value
CODM	Chief Operating Decision Maker	MBS	Mortgage-Backed Securities
COSO	Committee of Sponsoring Organizations of the Treadway Commission	MD&A	Management’s Discussion and Analysis of Financial Condition and Results of Operations
CRA	Community Reinvestment Act	MSA	Metropolitan Statistical Area
CRE	Commercial Real Estate	MSR	Mortgage Servicing Right
DIF	Deposit Insurance Fund	NAICS	North American Industry Classification System
Dodd-Frank Act	Dodd-Frank Wall Street Reform and Consumer Protection Act	NALs	Nonaccrual Loans

2025 Form 10-K 5

NCO	Net Charge-off
NII	Net Interest Income
NIM	Net Interest Margin
NM	Not Meaningful
NPAs	Nonperforming Assets
NSFR	Net Stable Funding Ratio
OCC	Office of the Comptroller of the Currency
OCI	Other Comprehensive Income (Loss)
OCR	Optimal Customer Relationship
OFAC	Office of Foreign Assets Control
OLEM	Other Loans Especially Mentioned
OREO	Other Real Estate Owned
Patriot Act	Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001
PCAOB	Public Company Accounting Oversight Board
PCD	Purchased Credit Deteriorated
PD	Probability of Default
Plan	Huntington Bancshares Retirement Plan
Problem Loans	Includes nonaccrual loans and leases, accruing loans and leases past due 90 days or more, modified loans made to borrowers experiencing financial difficulty
REIT	Real Estate Investment Trust
Riegle-Neal Act	The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
ROC	Risk Oversight Committee
RV	Recreational Vehicle
RWA	Risk-Weighted Assets
SBA	Small Business Administration
SCB	Stress Capital Buffer
SCCL	Single-Counterparty Credit Limit
SEC	Securities and Exchange Commission
SOFR	Secured Overnight Financing Rate
SPE	Special Purpose Entity
TBA	To Be Announced
TCF	TCF Financial Corporation
U.S.	United States of America
U.S. Treasury	U.S. Department of the Treasury
Veritex	Veritex Holdings, Inc.
VIE	Variable Interest Entity
XBRL	eXtensible Business Reporting Language

6 Huntington Bancshares Incorporated

PART I

When we refer to “Huntington,” “we,” “our,” “us,” and “the Company” in this Annual Report on Form 10-K (this “report”), we mean Huntington Bancshares Incorporated and our consolidated subsidiaries, unless the context indicates that we refer only to the parent company, Huntington Bancshares Incorporated. When we refer to the “Bank” or “Huntington National Bank” in this report, we mean our only bank subsidiary, The Huntington National Bank, and its subsidiaries.

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