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$24.77+0.9%Stored close · as of Nov 6, 2026
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Table of Contents
HUNTINGTON BANCSHARES INCORPORATED
2025 FORM 10-K ANNUAL REPORT
| Page Number | ||
|---|---|---|
| Glossary of Acronyms and Terms | 5 | |
| PART I | ||
| Item 1. | Business | 7 |
| Competition | 9 | |
| Regulatory Matters | 11 | |
| Corporate Responsibility | 24 | |
| Available Information | 27 | |
| Item 1A. | Risk Factors | 28 |
| Item 1B. | Unresolved Staff Comments | 46 |
| Item 1C. | Cybersecurity | 46 |
| Item 2. | Properties | 48 |
| Item 3. | Legal Proceedings | 48 |
| Item 4. | Mine Safety Disclosures | 48 |
| PART II | ||
| Item 5. | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 49 |
| Item 6. | [Reserved] | 50 |
| Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 51 |
| Introduction | 51 | |
| Executive Overview | 51 | |
| Discussion of Results of Operations | 55 | |
| Risk Management: | 61 | |
| Credit Risk | 63 | |
| Market Risk | 76 | |
| Liquidity Risk | 79 | |
| Operational Risk | 86 | |
| Compliance Risk | 87 | |
| Capital | 87 | |
| Business Segment Discussion | 90 | |
| Additional Disclosures | 93 | |
| Item 7A. | Quantitative and Qualitative Disclosures About Market Risk | 97 |
| Item 8. | Financial Statements and Supplementary Data | 97 |
| Consolidated Balance Sheets | 101 | |
| Consolidated Statements of Income | 102 | |
| Consolidated Statements of Comprehensive Income | 103 | |
| Consolidated Statements of Changes in Shareholders’ Equity | 104 | |
| Consolidated Statements of Cash Flows | 105 | |
| Notes to Consolidated Financial Statements: | 107 | |
| Note 1 - Significant Accounting Policies | 107 | |
| Note 2 - Accounting Standards Update | 115 | |
| Note 3 - Business Combinations | 116 | |
2025 Form 10-K 3
| Note 4 - Investment Securities and Other Securities | 120 | |
| Note 5 - Loans and Leases | 124 | |
| Note 6 - Allowance for Credit Losses | 133 | |
| Note 7 - Mortgage Loan Sales and Servicing Rights | 134 | |
| Note 8 - Goodwill and Other Intangible Assets | 135 | |
| Note 9 - Premises and Equipment | 136 | |
| Note 10 - Operating Leases | 136 | |
| Note 11 - Borrowings | 137 | |
| Note 12 - Other Comprehensive Income | 140 | |
| Note 13 - Shareholders’ Equity | 141 | |
| Note 14 - Earnings Per Share | 142 | |
| Note 15 - Revenue from Contracts with Customers | 143 | |
| Note 16 - Share-Based Compensation | 145 | |
| Note 17 - Benefit Plans | 146 | |
| Note 18 - Income Taxes | 149 | |
| Note 19 - Fair Values of Assets and Liabilities | 152 | |
| Note 20 - Derivative Financial Instruments | 162 | |
| Note 21 - Variable Interest Entities | 166 | |
| Note 22 - Commitments and Contingent Liabilities | 168 | |
| Note 23 - Other Regulatory Matters | 170 | |
| Note 24 - Parent-Only Financial Statements | 171 | |
| Note 25 - Segment Reporting | 172 | |
| Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 175 |
|---|---|---|
| Item 9A. | Controls and Procedures | 175 |
| Item 9B. | Other Information | 175 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections. | 175 |
| PART III | ||
| Item 10. | Directors, Executive Officers, and Corporate Governance | 176 |
| Item 11. | Executive Compensation | 176 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 176 |
| Item 13. | Certain Relationships and Related Transactions, and Director Independence | 176 |
| Item 14. | Principal Accounting Fees and Services | 177 |
| PART IV | ||
| Item 15. | Exhibits and Financial Statement Schedules | 177 |
| Exhibit Index | 178 | |
| Signatures | 180 | |
4 Huntington Bancshares Incorporated
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