HUNTINGTON BANCSHARES INC /MD/

For the period ended Sep 30, 2026. Filed Oct 27, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Oct 27, 2026

HBANL$24.77+0.9%Stored close · as of Nov 6, 2026

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

☒	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2026

☐	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

(Exact name of registrant as specified in its charter)

Maryland	1-34073	31-0724920
(State or other jurisdiction ofincorporation or organization)	(CommissionFile Number)	(I.R.S. EmployerIdentification No.)

Registrant’s address:41 South High Street, Columbus, Ohio 43287

Registrant’s telephone number, including area code: (614)480-2265

Securities registered pursuant to Section 12(b) of the Act

Title of each class	TradingSymbol(s)	Name of each exchange on which registered
Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)	HBANP	The Nasdaq Stock Market LLC
Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)	HBANM	The Nasdaq Stock Market LLC
Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)	HBANL	The Nasdaq Stock Market LLC
Depositary Shares (each representing a 1/1000th interest in a share of 5.50% Series L Non-Cumulative, perpetual preferred stock)	HBANZ	The Nasdaq Stock Market LLC
Common Stock—Par Value $0.01 per Share	HBAN	The Nasdaq Stock Market LLC
	Nasdaq Texas, LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities

Exchange Act of 1934 during the preceding 12 months and (2) has been subject to such filing requirements for the past 90

days. x Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted

pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period

that the registrant was required to submit such files). x Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller

reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,”

“smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer	x	Accelerated filer	☐
Non-accelerated filer	☐	Smaller reporting company	☐
			Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period

for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).☐ Yesx No

There were 2,015,387,251 shares of the registrant’s common stock ($0.01 par value) outstanding on September 30, 2026.

2 Huntington Bancshares Incorporated

TABLE OF CONTENTS

HUNTINGTON BANCSHARES INCORPORATED

Form 10-Q for the quarter ended September 30, 2026

Page Number
	Glossary of Acronyms and Terms	3
PART I. FINANCIAL INFORMATION
Item 1.	Financial Statements (Unaudited)	40
	Consolidated Balance Sheets at September 30, 2026 and December 31, 2025	40
	Consolidated Statements of Income for the three and nine months ended September 30, 2026 and 2025	41
	Consolidated Statements of Comprehensive Income for the three and nine months ended September 30, 2026 and 2025	42
	Consolidated Statements of Changes in Shareholders’ Equity for the three and nine months ended September 30, 2026 and 2025	43
	Consolidated Statements of Cash Flows for the nine months ended September 30, 2026 and 2025	45
	Notes to Unaudited Consolidated Financial Statements:	47
	Note 1 - Basis of Presentation	47
	Note 2 - Accounting Standards Update	47
	Note 3 - Business Combinations	47
	Note 4 - Investment and Other Securities	53
	Note 5 - Loans and Leases	57
	Note 6 - Allowance for Credit Losses	65
	Note 7 - Mortgage Loan Sales and Servicing Rights	66
	Note 8 - Goodwill and Other Intangible Assets	67
	Note 9 - Borrowings	67
	Note 10 - Other Comprehensive Income	69
	Note 11 - Shareholders’ Equity	71
	Note 12 - Earnings Per Share	72
	Note 13 - Revenue from Contracts with Customers	73
	Note 14 - Fair Value of Assets and Liabilities	74
	Note 15 - Derivative Financial Instruments	82
	Note 16 - Variable Interest Entities	86
	Note 17 - Commitments and Contingent Liabilities	88
	Note 18 - Segment Reporting	90
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	4
	Introduction	4
	Executive Overview	4
	Discussion of Results of Operations	8
	Risk Management:	14
	Credit Risk	14
	Market Risk	21
	Liquidity Risk	24
	Operational Risk	28
	Compliance Risk	29
	Capital	29
	Business Segment Discussion	31
	Additional Disclosures	34
Item 3.	Quantitative and Qualitative Disclosures about Market Risk	92
Item 4.	Controls and Procedures	92
PART II. OTHER INFORMATION
Item 1.	Legal Proceedings	92
Item 1A.	Risk Factors	92
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	93
Item 5.	Other Information	93
Item 6.	Exhibits	94
Signatures	95

2026 3Q Form 10-Q 3

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