Form 8-K

8-K — HUNTINGTON BANCSHARES INC /MD/

Accession: 0000049196-26-000032

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0000049196

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — hban-20260423.htm (Primary)

EX-99.1 (hban20260331_8kex991.htm)

EX-99.2 (hban20260331_8kex992.htm)

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GRAPHIC (huntington_exceptionxlogoxa.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: hban-20260423.htm · Sequence: 1

hban-20260423

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________________________________________________________________________________________________________________________

FORM 8-K

_______________________________________________________________________________________________________________________________

CURRENT REPORT

Pursuant to Section 13 OR 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) April 23, 2026

______________________________________________________________________________________________________________________________

Huntington Bancshares Incorporated

(Exact name of registrant as specified in its charter)

_______________________________________________________________________________________________________________________________

Maryland 1-34073 31-0724920

(State or other jurisdiction of

incorporation or organization) (Commission

File Number) (I.R.S. Employer

Identification No.)

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

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

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

_______________________________________________________________________________________________________________________________

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

Title of each class Trading

Symbol(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 is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§24012b-2).

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. ☐

Item 2.02. Results of Operations and Financial Condition.

On April 23, 2026, Huntington Bancshares Incorporated (“Huntington”) issued a news release announcing its earnings for the quarter ended March 31, 2026. Also on April 23, 2026, Huntington made a Quarterly Financial Supplement available in the Investor Relations section of Huntington’s website. Copies of Huntington's news release and quarterly financial supplement are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated by reference in this Item 2.02.

Huntington’s senior management will host an earnings conference call on April 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.ir.huntington.com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13759583. 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 May 1, 2026 at (877) 660-6853 or (201) 612-7415; conference ID #13759583.

Caution Regarding Forward-Looking Statements

This 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, as filed with the SEC and available on its website at www.sec.gov.

The information contained or incorporated by reference in Item 2.02 of this Form 8-K shall be treated as “furnished” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 9.01. Financial Statements and Exhibits.

The exhibits referenced below shall be treated as “furnished” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

(d)Exhibits.

Exhibit 99.1 – News release of Huntington Bancshares Incorporated, dated April 23, 2026.

Exhibit 99.2 – Quarterly Financial Supplement, March 31, 2026.

EXHIBIT INDEX

Exhibit No. Description

Exhibit 99.1

News release of Huntington Bancshares Incorporated, dated April 23, 2026

Exhibit 99.2

Quarterly Financial Supplement, March 31, 2026

Exhibit 104

Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

HUNTINGTON BANCSHARES INCORPORATED

Date: April 23, 2026 By:

/s/ Zachary Wasserman

Zachary Wasserman

Chief Financial Officer

EX-99.1

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Document

Exhibit 99.1

April 23, 2026

Analysts: Eric Wasserstrom (huntington.investor.relations@huntington.com), 614.480.5676

Media: Tracy Pesho (media@huntington.com), 216.276.3301

Huntington Bancshares Incorporated Reports 2026 First-Quarter Earnings

Huntington Delivers Strong Start to 2026, Driven by Strong Organic Growth,

and Excellent Credit Performance

2026 First-Quarter Highlights:

•Earnings per common share (EPS) for the quarter was $0.25, lower by $0.05 from the prior quarter, and $0.09 lower than the year-ago quarter. Excluding the after-tax impact of Notable Items as detailed in Table 2, adjusted EPS, a non-GAAP measure, was $0.37, unchanged from the prior quarter and higher by $0.03 from the year-ago quarter.

•Successfully completed the systems conversion of Veritex Holdings, Inc. ("Veritex") in Mid-January.

•Closed the partnership with Cadence Bank ("Cadence") on February 1, 2026; integration expected to be completed in the second quarter of 2026.

•Net interest income increased $299 million, or 19%, from the prior quarter, and $465 million, or 33%, from the year-ago quarter.

•Noninterest income increased $100 million, or 17%, from the prior quarter, to $682 million. From the year-ago quarter, noninterest income increased $188 million, or 38%.

•Average total loans and leases increased $27.6 billion, or 19%, from the prior quarter to $174.2 billion and increased $43.4 billion, or 33%, from the year-ago quarter, inclusive of the impact of the Cadence and Veritex acquisitions.

◦Average commercial loans grew $20.9 billion, or 24%, from the prior quarter and $34.0 billion, or 46%, from the year-ago quarter.

◦Average consumer loans grew $6.7 billion, or 11%, from the prior quarter and $9.3 billion, or 16%, from the year-ago quarter.

•Average total deposits increased $31.5 billion, or 18%, from the prior quarter and $43.0 billion, or 27%, from the year-ago quarter, inclusive of the impact of the Cadence and Veritex acquisitions.

•Net charge-offs of 0.26% of average total loans and leases for the quarter, 2 basis points higher than the prior quarter and unchanged from the year ago quarter.

•Nonperforming asset ratio of 0.72% at quarter end, 9 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 $625 million from the prior quarter, with the increase primarily driven by the Cadence acquisition.

•Common Equity Tier 1 (CET1) risk-based capital ratio was 10.2%, at March 31, 2026, compared to 10.4% at the prior quarter end. Adjusted Common Equity Tier 1, including the impact of AOCI, excluding cash flow hedges, was 9.2%, unchanged from the prior quarter end.

•Tangible common equity (TCE) ratio of 7.0%, down slightly from the prior quarter end and up from 6.3% a year ago.

•Tangible book value per share of $9.55, down $0.34, or 3%, from the prior quarter and up $0.75, or 9%, from a year ago.

•Repurchased $150 million of common shares in the first quarter and an additional $100 million quarter‑to‑date in the second quarter, representing approximately 13 million shares repurchased year‑to‑date.

•On April 22, 2026, the Board of Directors approved a $3 billion share repurchase authorization, replacing the prior authorization.

COLUMBUS, Ohio – Huntington Bancshares Incorporated (Nasdaq: HBAN) reported net income for the 2026 first quarter of $523 million, or $0.25 per common share, an increase of $4 million, or 1%, from the prior quarter, and a decrease of $4 million, or 1%, from the year-ago quarter, inclusive of $271 million of pre-tax Notable Items in the 2026 first quarter, primarily due to acquisition-related expenses.

Return on average assets was 0.81%, return on average common equity was 7.2%, and return on average tangible common equity (ROTCE) was 11.6% for the quarter.

CEO Commentary:

“Coming off a transformational year in 2025, Huntington delivered a strong start to 2026 through disciplined execution and continued organic growth,” said Steve Steinour, chairman, president, and CEO. “Our core is performing very well, our credit remains strong, and we are driving toward our committed expense and revenue synergies from our Veritex and Cadence partnerships.”

“With Veritex now fully integrated, we are on schedule for a Cadence conversion in June. The strong engagement we have had from the Cadence teams will help deliver a successful conversion experience for customers. Both partnerships are already delivering growth opportunities across Texas and the South, and we expect further growth for years to come.”

“As we continue to navigate a period of relative economic uncertainty, our strong balance sheet and industry leading liquidity and reserves position us to be a source of strength for our customers and outperformance for our shareholders.”

“Our differentiated super regional model, which combines national capabilities with local delivery, helps us deliver durable earnings generation, tangible book value expansion, and attractive financial returns over the long-term.”

Table 1 – Earnings Performance Summary

2026 2025

(in millions, except per share data) First Fourth Third Second First

Quarter Quarter Quarter Quarter Quarter

Net income attributable to Huntington $ 523 $ 519 $ 629 $ 536 $ 527

Diluted earnings per common share 0.25 0.30 0.41 0.34 0.34

Return on average assets 0.81 % 0.93 % 1.19 % 1.04 % 1.04 %

Return on average common equity 7.2 8.9 12.4 11.0 11.3

Return on average tangible common equity 11.6 12.7 17.8 16.1 16.7

Net interest margin 3.24 3.15 3.13 3.11 3.10

Efficiency ratio 67.2 64.2 57.4 59.0 58.9

Tangible book value per common share $ 9.55 $ 9.89 $ 9.54 $ 9.13 $ 8.80

Cash dividends declared per common share 0.155 0.155 0.155 0.155 0.155

Average earning assets $ 238,973 $ 202,511 $ 192,732 $ 191,092 $ 188,299

Average loans and leases 174,216 146,607 135,944 133,171 130,862

Average total deposits

204,616 173,156 164,812 163,429 161,600

Tangible common equity / tangible assets ratio 7.0 % 7.1 % 6.8 % 6.6 % 6.3 %

Common equity Tier 1 risk-based capital ratio (1)

10.2 10.4 10.6 10.5 10.6

NCOs as a % of average loans and leases 0.26 % 0.24 % 0.22 % 0.20 % 0.26 %

NAL ratio 0.71 0.62 0.59 0.62 0.56

ACL as a % of total loans and leases 1.78 1.83 1.86 1.86 1.87

(1)March 31, 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 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 December 31, 2025

Net income and EPS (GAAP)

$ 519 $ 0.30

• Acquisition-related expenses $ (154) (118) (0.08)

•

FDIC Deposit Insurance Fund (DIF) special assessment (4)

24 19 0.01

Adjusted net income and EPS (non-GAAP)

$ 618 $ 0.37

Three Months Ended March 31, 2025

Net income and EPS (GAAP)

$ 527 $ 0.34

•

FDIC DIF special assessment (4)

$ (3) (2) —

Adjusted net income and EPS (non-GAAP)

$ 529 $ 0.34

(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.

Net Interest Income, Net Interest Margin, and Average Balance Sheet

Table 3 – Net Interest Income and Total Revenue

2026 2025

($ in millions) First Fourth Third Second First Change (%)

Quarter Quarter Quarter Quarter Quarter LQ YOY

Net interest income $ 1,891 $ 1,592 $ 1,506 $ 1,467 $ 1,426 19 % 33 %

FTE adjustment 19 17 17 16 15 12 27

Net interest income - FTE (1)

1,910 1,609 1,523 1,483 1,441 19 33

Noninterest income 682 582 628 471 494 17 38

Total revenue - FTE (1)

$ 2,592 $ 2,191 $ 2,151 $ 1,954 $ 1,935 18 % 34 %

(1)Represents a non-GAAP measure.

Table 4 – Net Interest Margin Summary

2026 2025

First Fourth Third Second First Change (bp)

Yield / Cost (1)

Quarter Quarter Quarter Quarter Quarter LQ YOY

Total earning assets 5.27 % 5.25 % 5.39 % 5.40 % 5.39 % 2 (12)

Total loans and leases 5.82 5.84 5.96 5.91 5.87 (2) (5)

Total securities 3.48 3.46 3.72 3.95 4.01 2 (53)

Total interest-bearing liabilities 2.53 2.65 2.81 2.85 2.86 (12) (33)

Total interest-bearing deposits 2.21 2.28 2.43 2.46 2.48 (7) (27)

Net interest rate spread 2.74 2.60 2.58 2.55 2.53 14 21

Impact of noninterest-bearing funds on margin 0.50 0.55 0.55 0.56 0.57 (5) (7)

Net interest margin 3.24 % 3.15 % 3.13 % 3.11 % 3.10 % 9 14

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See Page 8 of Quarterly Financial Supplement for additional detail.

Fully-taxable equivalent (FTE) net interest income for the 2026 first quarter increased $469 million, or 33%, from the 2025 first quarter. The results primarily reflect a $50.7 billion, or 27%, increase in average earning assets and a 14 basis point increase in the net interest margin (NIM) to 3.24%, partially offset by a $40.1 billion, or 27%, 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 14 basis point increase in NIM largely reflected a decrease in funding costs, partially offset by lower yields on interest earning assets.

Compared to the 2025 fourth quarter, FTE net interest income increased $301 million, or 19%, driven by an increase in average earning assets of $36.5 billion, or 18%, and an increase in NIM of 9 basis points to 3.24%, partially offset by an increase in average interest-bearing liabilities of $30.5 billion, or 19%. The increases in average earning assets and interest-bearing liabilities were largely attributable to the Cadence and Veritex acquisitions. The 9 basis point increase to NIM reflected a decrease in funding costs and net hedging activity, partially offset by lower yields on interest earning assets.

Table 5 – Average Earning Assets

2026 2025

($ in billions) First Fourth Third Second First Change (%)

Quarter Quarter Quarter Quarter Quarter LQ YOY

Commercial and industrial $ 81.5 $ 67.4 $ 61.4 $ 59.4 $ 57.6 21 % 42 %

Commercial real estate 21.1 14.3 10.7 10.8 11.0 48 92

Lease financing 5.8 5.5 5.5 5.5 5.5 5 5

Total commercial 108.4 87.1 77.6 75.6 74.1 24 46

Residential mortgage 30.4 25.1 24.5 24.4 24.3 21 25

Automobile 16.1 16.1 15.7 15.1 14.7 — 9

Home equity 11.3 10.4 10.3 10.2 10.1 9 12

RV and marine

5.6 5.7 5.9 5.9 6.0 (2) (5)

Other consumer 2.4 2.1 2.0 1.9 1.8 12 35

Total consumer 65.8 59.5 58.3 57.5 56.8 11 16

Total loans and leases 174.2 146.6 135.9 133.2 130.9 19 33

Total securities 47.9 42.7 44.1 44.9 45.2 12 6

Interest-earning deposits with banks

15.6 12.2 11.8 12.3 11.6 28 34

Other earning assets 1.2 0.9 0.9 0.7 0.6 28 104

Total earning assets $ 239.0 $ 202.5 $ 192.7 $ 191.1 $ 188.3 18 % 27 %

See Page 6 of Quarterly Financial Supplement for additional detail.

Average earning assets for the 2026 first quarter include the impact of the Cadence acquisition, which was completed on February 1, 2026, while average earning assets for the 2025 fourth quarter include the impact of 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 first quarter increased $50.7 billion, or 27%, from the year-ago quarter, primarily reflecting a $43.4 billion, or 33%, increase in average total loans and leases. Average loan and lease balance increases were led by growth in average commercial loans of $34.4 billion, or 46%, primarily driven by a $24.0 billion, or 42%, increase in average commercial and industrial loans and a $10.1 billion, or 92%, increase in average commercial real estate loans. Additionally, average consumer loans increased by $9.0 billion, or 16%, primarily driven by a $6.1 billion, or 25% increase in average residential mortgage loans, a $1.4 billion, or 9%, increase in average automobile loans, and a $1.2 billion, or 12%, increase in average home equity loans.

Compared to the 2025 fourth quarter, average earning assets increased $36.5 billion, or 18%, primarily reflecting a $27.6 billion, or 19%, increase in average total loans and leases. Average loan and lease balance increases were led by higher average commercial loan balances of $21.3 billion, or 24%, primarily driven by a $14.2 billion, or 21%, increase in average commercial and industrial loans and a $6.9 billion, or 48%, increase in average commercial real estate loans. Additionally, average consumer loans increased $6.3 billion, or 11%, primarily driven by a $5.3 billion, or 21%, increase in average residential mortgage and a $1.0 billion, or 9%, increase in average home equity loans.

Table 6 – Average Liabilities

2026 2025

First Fourth Third Second First Change (%)

($ in billions) Quarter Quarter Quarter Quarter Quarter LQ YOY

Average balances:

Demand deposits - noninterest-bearing $ 35.5 $ 30.8 $ 29.0 $ 29.2 $ 28.9 15 % 23 %

Demand deposits - interest-bearing 53.0 47.2 46.0 44.7 43.6 12 22

Total demand deposits 88.5 78.0 75.0 73.9 72.5 14 22

Money market deposits 75.2 65.2 62.0 61.1 60.2 15 25

Savings deposits 18.0 15.4 15.0 15.1 14.9 17 21

Time deposits 22.9 14.7 12.8 13.3 14.0 56 63

Total deposits $ 204.6 $ 173.2 $ 164.8 $ 163.4 $ 161.6 18 % 27 %

Short-term borrowings $ 1.7 $ 0.9 $ 1.3 $ 1.3 $ 1.4 95 % 21 %

Long-term debt 20.2 17.3 17.4 17.8 16.9 17 20

Total debt $ 22.0 $ 18.2 $ 18.7 $ 19.1 $ 18.3 21 % 20 %

Total interest-bearing liabilities $ 191.1 $ 160.6 $ 154.5 $ 153.2 $ 151.0 19 % 27 %

Total liabilities

232.2 196.3 188.3 187.3 185.0 18 26

See Page 6 of Quarterly Financial Supplement for additional detail.

Average liabilities for the 2026 first quarter included the impact of the Cadence acquisition, which 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, while the 2025 fourth quarter included the impact of $10.5 billion of deposits added as result of the Veritex acquisition, 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 first quarter increased $47.2 billion, or 26%, from the year-ago quarter, driven by increases in average total deposits of $43.0 billion, or 27%, and in average total debt of $3.7 billion, or 20%.

Compared to the 2025 fourth quarter, average total liabilities increased $35.9 billion, driven by an increase in average total deposits of $31.5 billion, or 18%, and in average total debt of $2.9 billion, or 17%.

Noninterest Income

Table 7 – Noninterest Income

2026 2025

First Fourth Third Second First Change (%)

($ in millions) Quarter Quarter Quarter Quarter Quarter LQ YOY

Payments and cash management revenue $ 187 $ 170 $ 174 $ 165 $ 155 10 % 21 %

Wealth and asset management revenue 120 102 104 102 101 18 19

Customer deposit and loan fees 110 107 102 95 86 3 28

Capital markets and advisory fees 132 101 94 84 67 31 97

Mortgage banking income 32 39 43 28 31 (18) 3

Insurance income 21 22 20 19 20 (5) 5

Leasing revenue 13 19 23 10 14 (32) (7)

Net gains (losses) on sales of securities 13 — — (58) — NM NM

Other noninterest income 54 22 68 26 20 145 170

Total noninterest income $ 682 $ 582 $ 628 $ 471 $ 494 17 % 38 %

Impact of Notable Item:

Gain on sale of a portion of corporate trust and custody business (other noninterest income)

$ — $ — $ 24 $ — $ — NM NM

Total adjusted noninterest income (Non-GAAP) $ 682 $ 582 $ 604 $ 471 $ 494 17 % 38 %

Additional information:

Impact of mark-to-market and premiums from credit risk transfer transactions (included in other noninterest income) $ 7 $ (3) $ (2) $ (5) $ (3) NM NM

NM - Not Meaningful

Total noninterest income for the 2026 first quarter increased $188 million, or 38%, from the year-ago quarter, inclusive of the impact of the Cadence and Veritex acquisitions. Capital markets and advisory fees increased $65 million, or 97%, primarily due to higher advisory fees from the legacy business and the impact of Janney and TM Capital. Payments and cash management revenue increased $32 million, or 21%, driven by higher cash management and interchange revenues. Customer deposit and loan fees increased $24 million, or 28%, primarily due to an increase in the volume of personal service charges. Wealth and asset management revenue increased $19 million, or 19%, largely due to higher investment management and trust income. Other noninterest income increased $34 million largely due to an increase in bank owned life insurance income, changes in valuation adjustments for strategic and other investments, and the net impact of credit risk transfer transactions. Lastly, the 2026 first quarter results included a $13 million gain from the sale of certain investment securities as part of ongoing portfolio positioning.

Total noninterest income increased $100 million, or 17%, compared to the 2025 fourth quarter, inclusive of the impact of the Cadence acquisition. Capital markets and advisory fees increased $31 million, or 31%, primarily due to higher syndication, advisory, and underwriting fees. Advisory fees included the impact of Janney and TM Capital. Wealth and asset management revenue increased $18 million, or 18%, primarily due to higher trust and investment management income. Payments and cash management revenue increased $17 million, or 10%, largely due to higher cash management revenue. Other noninterest income increased $32 million largely due to an increase in bank owned life insurance income, changes in valuation adjustments for strategic investment and other investments, and the net impact of credit risk transfer transactions. Lastly, as previously noted, the 2026 first quarter included a $13 million gain from the sale of certain investment securities as part of ongoing portfolio positioning. These gains were offset by net mortgage servicing rights (MSR) risk management costs.

Noninterest Expense

Table 8 – Noninterest Expense

2026 2025

First Fourth Third Second First Change (%)

($ in millions) Quarter Quarter Quarter Quarter Quarter LQ YOY

Personnel costs $ 992 $ 845 $ 757 $ 722 $ 671 17 % 48 %

Outside data processing and other services 311 222 198 182 170 40 83

Equipment 93 67 66 68 67 39 39

Net occupancy 85 56 57 54 65 52 31

Professional services 44 80 31 22 22 (45) 100

Marketing 37 36 34 28 29 3 28

Deposit and other insurance expense 35 (1) 9 20 37 NM (5)

Amortization of intangibles 41 13 11 11 11 215 273

Lease financing equipment depreciation 3 3 4 2 4 — (25)

Other noninterest expense 133 99 79 88 76 34 75

Total noninterest expense $ 1,774 $ 1,420 $ 1,246 $ 1,197 $ 1,152 25 % 54 %

(in thousands)

Average full-time equivalent employees 24.6 20.9 20.2 20.2 20.1 18 % 22 %

NM - Not Meaningful

Table 9 - Impact of Notable Items

2026 2025

First Fourth Third Second First

($ in millions) Quarter Quarter Quarter Quarter Quarter

Personnel costs $ 97 $ 50 $ — $ 6 $ —

Outside data processing and other services 88 29 3 — —

Equipment 19 2 1 — —

Net occupancy 2 — — — —

Professional services 18 57 9 — —

Marketing 6 3 — — —

Deposit and other insurance expense — (23) (6) (3) 3

Other noninterest expense 33 12 1 — —

Total noninterest expense $ 263 $ 130 $ 8 $ 3 $ 3

Notable Items in the first quarter of 2026 include $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 fourth quarter of 2025 included $154 million of acquisition-related expenses primarily included in personnel costs, outside data processing and other services, and professional services, as well as a $24 million benefit from ongoing adjustments related to the FDIC DIF special assessment.

Table 10 - Adjusted Noninterest Expense (Non-GAAP)

2026 2025

First Fourth Third Second First Change (%)

($ in millions) Quarter Quarter Quarter Quarter Quarter LQ YOY

Personnel costs $ 895 $ 795 $ 757 $ 716 $ 671 13 % 33 %

Outside data processing and other services 223 193 195 182 170 16 31

Equipment 74 65 65 68 67 14 10

Net occupancy 83 56 57 54 65 48 28

Professional services 26 23 22 22 22 13 18

Marketing 31 33 34 28 29 (6) 7

Deposit and other insurance expense 35 22 15 23 34 59 3

Amortization of intangibles 41 13 11 11 11 215 273

Lease financing equipment depreciation 3 3 4 2 4 — (25)

Other noninterest expense 100 87 78 88 76 15 32

Total adjusted noninterest expense $ 1,511 $ 1,290 $ 1,238 $ 1,194 $ 1,149 17 % 32 %

Reported total noninterest expense for the 2026 first quarter increased $622 million, or 54%, from the year-ago quarter. Excluding the impact from Notable Items, noninterest expense increased $362 million, or 32%, inclusive of the impact of the Cadence and Veritex acquisitions. Personnel costs increased $224 million, or 33%, due to higher salary and benefit expense. Outside data processing and other services increased $53 million, or 31%, primarily reflecting higher technology and data expense. Amortization of intangibles increased $30 million primarily due to the impact from the addition of core deposit intangibles from the acquisitions. Net occupancy increased $18 million, or 28%, largely due to increases in lease and depreciation expense. Other noninterest expense increased $24 million, or 32%, primarily due to an increased volume of expense activity driven by the impact of the acquisitions.

Reported total noninterest expense increased $354 million, or 25%, from the 2025 fourth quarter. Excluding the impact from Notable Items, noninterest expense increased $221 million, or 17%, inclusive of the impact of the Cadence acquisition. Personnel costs increased $100 million, or 13%, due primarily to higher salary and benefits expense. Outside data processing and other services increased $30 million, or 16%, primarily reflecting higher technology and data expense. Amortization of intangibles increased $28 million primarily due to the impact from the addition of core deposit intangibles from the Cadence acquisition. Net occupancy increased $27 million, or 48%, largely due to lease and depreciation expense.

Credit Quality

Table 11 – Credit Quality Metrics

2026 2025

($ in millions) March 31, December 31, September 30, June 30, March 31,

Total nonaccrual loans and leases $ 1,332 $ 931 $ 808 $ 842 $ 748

Total other real estate, net 22 13 10 10 8

Other NPAs (1)

3 1 3 — 48

Total nonperforming assets 1,357 945 821 852 804

Accruing loans and leases past due 90+ days 421 282 234 241 220

NPAs + accruing loans & leases past due 90+ days $ 1,778 $ 1,227 $ 1,055 $ 1,093 $ 1,024

NAL ratio (2)

0.71 % 0.62 % 0.59 % 0.62 % 0.56 %

NPA ratio (3)

0.72 0.63 0.60 0.63 0.61

(NPAs+90 days)/(Loans+OREO) 0.94 0.82 0.76 0.81 0.77

Provision for credit losses $ 158 $ 123 $ 122 $ 103 $ 115

Net charge-offs 111 89 75 66 86

Net charge-offs / Average total loans and leases 0.26 % 0.24 % 0.22 % 0.20 % 0.26 %

Allowance for loans and lease losses (ALLL) $ 3,243 $ 2,537 $ 2,374 $ 2,331 $ 2,263

Allowance for unfunded lending commitments 125 206 188 184 215

Allowance for credit losses (ACL) $ 3,368 $ 2,743 $ 2,562 $ 2,515 $ 2,478

ALLL as a % of:

Total loans and leases 1.72 % 1.70 % 1.72 % 1.73 % 1.71 %

NALs 243 272 294 277 302

NPAs 239 269 289 274 281

ACL as a % of:

Total loans and leases 1.78 % 1.83 % 1.86 % 1.86 % 1.87 %

NALs 253 295 317 299 331

NPAs 248 290 312 295 308

(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 11-14 of Quarterly Financial Supplement for additional detail.

Nonperforming assets (NPAs) were $1.4 billion, or 0.72%, of total loans and leases, OREO and other NPAs, compared to $804 million, or 0.61%, a year-ago. Nonaccrual loans and leases (NALs) were $1.3 billion, or 0.71% of total loans and leases, compared to $748 million, or 0.56% 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, partially offset by a decrease in other NPAs. On a linked quarter basis, NPAs increased $412 million, or 44%, and NALs increased $401 million, or 43%, with the increases primarily driven by an increase in commercial and industrial, residential mortgage, and commercial real estate NALs, including NALs acquired as part of the Cadence transaction.

The provision for credit losses increased $43 million year-over-year and $35 million quarter-over-quarter to $158 million in the 2026 first quarter. Net charge-offs (NCOs) increased $25 million year-over-year and increased $22 million quarter-over-quarter to $111 million. NCOs represented an annualized 0.26% of average loans and leases in the current quarter, unchanged from the year-ago quarter and up from 0.24% in the prior quarter. Commercial and consumer net charge-offs were 0.21% and 0.34%, respectively, for the 2026 first quarter.

The allowance for loan and lease losses (ALLL) increased $980 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 $890 million from the year-ago quarter to $3.4 billion, or 1.78% of total loans and leases, 5 basis points lower than the prior quarter and 9 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.

Capital

Table 12 – Capital Ratios

2026 2025

($ in billions) March 31, December 31, September 30, June 30, March 31,

Tangible common equity / tangible assets ratio 7.0 % 7.1 % 6.8 % 6.6 % 6.3 %

Common equity tier 1 risk-based capital ratio (1)

10.2 10.4 10.6 10.5 10.6

Regulatory Tier 1 risk-based capital ratio (1)

11.6 12.0 12.4 11.8 11.9

Regulatory Total risk-based capital ratio (1)

13.8 14.2 14.7 14.1 14.3

Total risk-weighted assets (1)

$ 208.1 $ 166.7 $ 150.2 $ 148.6 $ 144.6

(1)March 31, 2026 figures are estimated.

See Pages 15-16 of Quarterly Financial Supplement for additional detail.

The tangible common equity to tangible assets ratio was 7.0% at March 31, 2026, down slightly from 7.1% at December 31, 2025, as an increase in tangible common equity from current period earnings, net of dividends, and the net impact of the Cadence acquisition, were offset by a decline in accumulated other comprehensive income, common share repurchases, and an increase in tangible assets. Common Equity Tier 1 (CET1) risk-based capital ratio was 10.2% at March 31, 2026, compared to 10.4% at December 31, 2025, with the decrease driven by the impact of the Cadence acquisition and share repurchases, partially offset by current period earnings, net of dividends.

The Board of Directors approved a repurchase authorization of up to $3 billion of common shares, which replaces the Board's prior $1 billion repurchase authorization. The new repurchase authorization does not have an expiration date and may include open market transactions, through block trades, in privately negotiated transactions, and pursuant to any trading plan that may be adopted by the Company’s management in accordance with Rule 10b5-1 of the Securities Exchange Act of 1934, as amended, or otherwise, and is subject to the Federal Reserve's capital regulations. The timing of repurchases will be discretionary and depend on a variety of factors, including the macroeconomic and interest rate environment, the pace of loan growth, and other factors.

Income Taxes

The provision for income taxes was $114 million in the 2026 first quarter compared to $108 million in the 2025 fourth quarter. The effective tax rate for the 2026 first quarter was 17.8%, compared to 17.2% for the 2025 fourth quarter. The increase in the effective tax rate was primarily driven by acquisition-related activity in the current quarter.

Conference Call / Webcast Information

Huntington’s senior management will host an earnings conference call on April 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 #13759583. 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 May 1, 2026 at (877) 660-6853 or (201) 612-7415; conference ID #13759583.

Please see the 2026 First 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 Huntington

Huntington Bancshares Incorporated is a $285 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 Statements

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, as filed with the SEC and available on its website at www.sec.gov.

Basis of Presentation

Use of Non-GAAP Financial Measures

This 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 Data

Certain 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 Margin

Income 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.

Rounding

Please note that items in this document may not add due to rounding.

Notable Items

From 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

Filename: hban20260331_8kex992.htm · Sequence: 3

Document

Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

March 31, 2026

Table of Contents

Quarterly Key Statistics

Consolidated Balance Sheets

Loans and Leases Composition

Deposits Composition

Consolidated Quarterly Average Balance Sheets

Consolidated Quarterly Net Interest Margin - Interest Income / Expense

Consolidated Quarterly Net Interest Margin - Yield / Rate

Selected Quarterly Income Statement Data

Quarterly Mortgage Banking Noninterest Income

Quarterly Credit Reserves Analysis

Quarterly Net Charge-Off Analysis

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

Quarterly Accruing Past Due Loans and Leases

Quarterly Capital Under Current Regulatory Standards (Basel III)

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data

Basis of Presentation

The 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 Measures

This 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) Basis

Interest 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 Ratios

In 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.

Huntington Bancshares Incorporated

Quarterly Key Statistics

(Unaudited)

Three Months Ended

(dollar amounts in millions, except per share data) March 31, December 31, March 31, Percent Changes vs.

2026 2025 2025 4Q25 1Q25

Net interest income - FTE (1)

$ 1,910 $ 1,609 $ 1,441 19 % 33 %

FTE adjustment (19) (17) (15) (12) (27)

Net interest income 1,891 1,592 1,426 19 33

Provision for credit losses 158 123 115 28 37

Noninterest income 682 582 494 17 38

Noninterest expense 1,774 1,420 1,152 25 54

Income before income taxes 641 631 653 2 (2)

Provision for income taxes

114 108 122 6 (7)

Income after income taxes 527 523 531 1 (1)

Income attributable to non-controlling interest 4 4 4 — —

Net income attributable to Huntington 523 519 527 1 (1)

Dividends on preferred shares 41 43 27 (5) 52

Net income applicable to common shares $ 482 $ 476 $ 500 1 % (4) %

Net income per common share - diluted $ 0.25 $ 0.30 $ 0.34 (17) % (26) %

Cash dividends declared per common share 0.155 0.155 0.155 — —

Tangible book value per common share at end of period 9.55 9.89 8.80 (3) 9

Average common shares - basic 1,869 1,544 1,454 21 29

Average common shares - diluted 1,901 1,570 1,482 21 28

Ending common shares outstanding 2,027 1,568 1,457 29 39

Return on average assets 0.81 % 0.93 % 1.04 %

Return on average common shareholders’ equity 7.2 8.9 11.3

Return on average tangible common shareholders’ equity (2) 11.6 12.7 16.7

Net interest margin (1) 3.24 3.15 3.10

Efficiency ratio (3) 67.2 64.2 58.9

Effective tax rate 17.8 17.2 18.6

Average total assets $ 262,170 $ 220,230 $ 205,087 19 % 28 %

Average earning assets 238,973 202,511 188,299 18 27

Average loans and leases 174,216 146,607 130,862 19 33

Average total deposits 204,616 173,156 161,600 18 27

Average Huntington shareholders’ equity 29,896 23,896 19,997 25 50

Average common shareholders' equity

27,050 21,165 18,007 28 50

Average tangible common shareholders' equity 18,024 15,150 12,375 19 46

Total assets at end of period 285,372 225,106 209,596 27 36

Total Huntington shareholders’ equity at end of period 32,535 24,342 20,434 34 59

NCOs as a % of average loans and leases 0.26 % 0.24 % 0.26 %

NAL ratio 0.71 0.62 0.56

NPA ratio (4)

0.72 0.63 0.61

Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period 1.72 1.70 1.71

Allowance for credit losses (ACL) as a % of total loans and leases at the end of period 1.78 1.83 1.87

Common equity tier 1 risk-based capital ratio (5)

10.2 10.4 10.6

Tangible common equity / tangible asset ratio (6)

7.0 7.1 6.3

See Notes to Quarterly Key Statistics.

Notes to Quarterly Key Statistics

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.

(2)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.

(3)Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).

(4)NPAs include other nonperforming assets, which includes certain impaired securities and/or nonaccrual loans held for sale, and other real estate owned.

(5)March 31, 2026 figure is estimated.

(6)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 16 for reconciliation.

Huntington Bancshares Incorporated

Consolidated Balance Sheets

March 31, December 31,

(dollar amounts in millions) 2026 2025 Percent Changes

(Unaudited)

Assets

Cash and due from banks $ 2,096 $ 1,783 18 %

Interest-earning deposits with banks 17,579 12,295 43

Trading account securities 199 63 216

Available-for-sale securities 35,557 26,132 36

Held-to-maturity securities 14,768 15,258 (3)

Other securities 1,281 994 29

Loans held for sale 1,073 1,415 (24)

Loans and leases (1) 188,818 149,642 26

Allowance for loan and lease losses (3,243) (2,537) (28)

Net loans and leases 185,575 147,105 26

Bank-owned life insurance 3,673 2,902 27

Accrued income and other receivables 2,197 2,621 (16)

Premises and equipment 2,138 1,321 62

Goodwill 9,527 5,997 59

Servicing rights and other intangible assets 1,727 752 130

Other assets 7,982 6,468 23

Total assets $ 285,372 $ 225,106 27 %

Liabilities and shareholders' equity

Liabilities

Deposits (2) $ 223,482 $ 176,610 27 %

Short-term borrowings 1,875 1,261 49 %

Long-term debt 21,594 17,221 25

Other liabilities 5,840 5,635 4

Total liabilities 252,791 200,727 26

Shareholders' equity

Preferred stock 2,881 2,731 5

Common stock 20 16 25

Capital surplus 25,273 17,244 47

Less treasury shares, at cost (95) (92) (3)

Accumulated other comprehensive income (loss) (2,059) (1,908) (8)

Retained earnings 6,515 6,351 3

Total Huntington shareholders’ equity 32,535 24,342 34

Non-controlling interest 46 37 24

Total equity 32,581 24,379 34

Total liabilities and equity $ 285,372 $ 225,106 27 %

Common shares authorized (par value of $0.01) 2,250,000,000 2,250,000,000

Common shares outstanding 2,027,130,587 1,567,732,506

Treasury shares outstanding 7,269,138 7,187,541

Preferred stock, authorized shares 6,617,808 6,617,808

Preferred shares outstanding 891,900 885,000

(1)See page 4 for detail of loans and leases.

(2)See page 5 for detail of deposits.

Huntington Bancshares Incorporated

Loans and Leases Composition

(Unaudited)

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Ending balances by type:

Total loans and leases

Commercial:

Commercial and industrial $ 89,282 47 % $ 69,442 46 % $ 62,978 45 % $ 60,723 45 % $ 58,948 45 %

Commercial real estate 24,337 13 15,209 10 10,732 8 10,698 8 10,968 8

Lease financing 5,796 3 5,727 4 5,515 4 5,516 4 5,451 4

Total commercial 119,415 63 90,378 60 79,225 57 76,937 57 75,367 57

Consumer:

Residential mortgage 33,458 19 24,777 17 24,502 18 24,527 19 24,369 19

Automobile 15,953 8 16,168 11 15,996 12 15,382 11 14,877 11

Home equity 11,831 6 10,395 7 10,314 7 10,221 8 10,130 8

RV and marine

5,627 3 5,682 4 5,805 4 5,907 4 5,939 4

Other consumer 2,534 1 2,242 1 2,114 2 1,986 1 1,823 1

Total consumer 69,403 37 59,264 40 58,731 43 58,023 43 57,138 43

Total loans and leases $ 188,818 100 % $ 149,642 100 % $ 137,956 100 % $ 134,960 100 % $ 132,505 100 %

Ending balances by business segment:

Consumer & Regional Banking $ 104,578 55 % $ 79,069 53 % $ 75,027 55 % $ 73,887 55 % $ 72,653 55 %

Commercial Banking 84,199 45 70,391 47 62,755 45 60,823 45 59,726 45

Treasury / Other 41 — 182 — 174 — 250 — 126 —

Total loans and leases $ 188,818 100 % $ 149,642 100 % $ 137,956 100 % $ 134,960 100 % $ 132,505 100 %

Average balances by business segment:

Consumer & Regional Banking $ 95,969 55 % $ 77,908 53 % $ 74,306 55 % $ 73,154 55 % $ 72,043 55 %

Commercial Banking 78,029 45 68,388 47 61,373 45 59,806 45 58,588 45

Treasury / Other 218 — 311 — 265 — 211 — 231 —

Total loans and leases $ 174,216 100 % $ 146,607 100 % $ 135,944 100 % $ 133,171 100 % $ 130,862 100 %

Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Ending balances by type:

Total deposits

Demand deposits - noninterest-bearing $ 40,839 18 % $ 32,205 18 % $ 28,596 17 % $ 28,656 18 % $ 30,217 18 %

Demand deposits - interest-bearing 61,086 27 48,510 27 46,056 28 45,468 28 44,992 28

Money market deposits 75,554 34 65,123 37 62,837 38 60,998 37 61,608 37

Savings deposits 18,971 9 15,426 9 14,986 9 15,112 9 15,179 9

Time deposits 27,032 12 15,346 9 12,737 8 13,146 8 13,341 8

Total deposits $ 223,482 100 % $ 176,610 100 % $ 165,212 100 % $ 163,380 100 % $ 165,337 100 %

Ending balances by business segment:

Consumer & Regional Banking $ 153,000 69 % $ 117,188 66 % $ 110,043 67 % $ 111,926 68 % $ 112,972 68 %

Commercial Banking 60,775 27 50,657 29 47,651 28 43,691 27 44,090 27

Treasury / Other 9,707 4 8,765 5 7,518 5 7,763 5 8,275 5

Total deposits $ 223,482 100 % $ 176,610 100 % $ 165,212 100 % $ 163,380 100 % $ 165,337 100 %

Average balances by business segment:

Consumer & Regional Banking $ 138,557 67 % $ 114,613 66 % $ 111,138 68 % $ 112,135 69 % $ 110,974 69 %

Commercial Banking 56,622 28 50,470 29 46,346 28 43,288 26 42,714 26

Treasury / Other 9,437 5 8,073 5 7,328 4 8,006 5 7,912 5

Total deposits $ 204,616 100 % $ 173,156 100 % $ 164,812 100 % $ 163,429 100 % $ 161,600 100 %

Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

Quarterly Average Balances (1)

March 31, December 31, September 30, June 30, March 31, Percent Changes vs.

(dollar amounts in millions) 2026 2025 2025 2025 2025 4Q25 1Q25

Assets:

Interest-earning deposits with banks $ 15,634 $ 12,231 $ 11,823 $ 12,264 $ 11,632 28 % 34 %

Securities:

Trading account securities 235 112 629 634 487 110 (52)

Available-for-sale securities:

Taxable 28,063 22,879 23,485 24,015 24,245 23 16

Tax-exempt 3,441 3,405 3,318 3,251 3,254 1 6

Total available-for-sale securities 31,504 26,284 26,803 27,266 27,499 20 15

Held-to-maturity securities - taxable 14,975 15,397 15,752 16,130 16,358 (3) (8)

Other securities 1,219 949 888 881 877 28 39

Total securities 47,933 42,742 44,072 44,911 45,221 12 6

Loans held for sale 1,190 931 893 746 584 28 104

Loans and leases: (2)

Commercial:

Commercial and industrial 81,535 67,378 61,440 59,393 57,555 21 42

Commercial real estate 21,138 14,268 10,692 10,785 11,021 48 92

Lease financing 5,754 5,498 5,483 5,458 5,476 5 5

Total commercial 108,427 87,144 77,615 75,636 74,052 24 46

Consumer:

Residential mortgage 30,392 25,098 24,511 24,423 24,299 21 25

Automobile 16,056 16,114 15,693 15,132 14,665 — 9

Home equity 11,325 10,372 10,264 10,196 10,123 9 12

RV and marine 5,631 5,747 5,860 5,921 5,951 (2) (5)

Other consumer 2,385 2,132 2,001 1,863 1,772 12 35

Total consumer 65,789 59,463 58,329 57,535 56,810 11 16

Total loans and leases 174,216 146,607 135,944 133,171 130,862 19 33

Total earning assets 238,973 202,511 192,732 191,092 188,299 18 27

Cash and due from banks 1,778 1,396 1,445 1,407 1,404 27 27

Goodwill and other intangible assets 9,175 6,043 5,625 5,640 5,651 52 62

All other assets 12,244 10,280 9,925 9,713 9,733 19 26

Total assets $ 262,170 $ 220,230 $ 209,727 $ 207,852 $ 205,087 19 % 28 %

Liabilities and shareholders' equity:

Interest-bearing deposits:

Demand deposits - interest-bearing $ 52,985 $ 47,185 $ 45,980 $ 44,677 $ 43,582 12 % 22 %

Money market deposits 75,216 65,182 62,009 61,090 60,213 15 25

Savings deposits 18,033 15,360 15,042 15,127 14,866 17 21

Time deposits 22,864 14,661 12,773 13,290 13,993 56 63

Total interest-bearing deposits 169,098 142,388 135,804 134,184 132,654 19 27

Short-term borrowings 1,745 897 1,267 1,261 1,439 95 21

Long-term debt 20,248 17,335 17,433 17,776 16,901 17 20

Total interest-bearing liabilities 191,091 160,620 154,504 153,221 150,994 19 27

Demand deposits - noninterest-bearing 35,518 30,768 29,008 29,245 28,946 15 23

All other liabilities 5,624 4,907 4,826 4,788 5,102 15 10

Total liabilities 232,233 196,295 188,338 187,254 185,042 18 26

Total Huntington shareholders’ equity 29,896 23,896 21,348 20,548 19,997 25 50

Non-controlling interest 41 39 41 50 48 5 (15)

Total equity 29,937 23,935 21,389 20,598 20,045 25 49

Total liabilities and equity $ 262,170 $ 220,230 $ 209,727 $ 207,852 $ 205,087 19 % 28 %

(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.

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Interest Income / Expense

(Unaudited)

Quarterly Interest Income / Expense (1) (2)

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Assets

Interest-earning deposits with banks $ 141 $ 124 $ 134 $ 139 $ 129

Securities:

Trading account securities 2 — 7 6 4

Available-for-sale securities:

Taxable 258 212 246 278 287

Tax-exempt 42 43 41 41 42

Total available-for-sale securities 300 255 287 319 329

Held-to-maturity securities - taxable 99 103 105 107 108

Other securities 16 11 12 12 12

Total securities 417 369 411 444 453

Loans held for sale 18 14 15 12 9

Loans and leases:

Commercial:

Commercial and industrial 1,191 1,023 959 914 873

Commercial real estate 327 233 187 183 185

Lease financing 99 91 93 92 89

Total commercial 1,617 1,347 1,239 1,189 1,147

Consumer:

Residential mortgage 353 269 259 253 250

Automobile 232 241 234 219 207

Home equity 193 184 190 186 183

RV and marine

76 80 80 79 78

Other consumer 58 54 55 51 48

Total consumer 912 828 818 788 766

Total loans and leases 2,529 2,175 2,057 1,977 1,913

Total earning assets $ 3,105 $ 2,682 $ 2,617 $ 2,572 $ 2,504

Liabilities

Interest-bearing deposits:

Demand deposits - interest-bearing $ 246 $ 227 $ 235 $ 223 $ 205

Money market deposits 446 437 466 464 458

Savings deposits

30 19 13 11 7

Time deposits

198 137 116 124 140

Total interest-bearing deposits 920 820 830 822 810

Short-term borrowings 16 10 13 13 14

Long-term debt 259 243 251 254 239

Total interest-bearing liabilities 1,195 1,073 1,094 1,089 1,063

Net interest income $ 1,910 $ 1,609 $ 1,523 $ 1,483 $ 1,441

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 9 for the FTE adjustment.

(2)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Yield / Rate

(Unaudited)

Quarterly Average Yield / Rate (1)

March 31, December 31, September 30, June 30, March 31,

2026 2025 2025 2025 2025

Assets

Interest-earning deposits with banks 3.62 % 4.03 % 4.53 % 4.52 % 4.45 %

Securities:

Trading account securities 3.70 2.58 4.03 3.72 3.67

Available-for-sale securities:

Taxable 3.67 3.72 4.19 4.62 4.73

Tax-exempt 4.86 4.99 5.02 4.93 5.22

Total available-for-sale securities 3.80 3.88 4.29 4.66 4.79

Held-to-maturity securities - taxable 2.65 2.66 2.66 2.66 2.64

Other securities 5.17 4.86 5.15 5.85 5.28

Total securities 3.48 3.46 3.72 3.95 4.01

Loans held for sale 6.19 6.13 6.52 6.43 6.48

Loans and leases: (2)

Commercial:

Commercial and industrial 5.85 5.94 6.11 6.09 6.07

Commercial real estate 6.17 6.39 6.86 6.71 6.72

Lease financing 6.86 6.48 6.69 6.66 6.49

Total commercial 5.96 6.05 6.25 6.22 6.19

Consumer:

Residential mortgage 4.65 4.29 4.23 4.15 4.11

Automobile 5.86 5.93 5.92 5.82 5.71

Home equity 6.89 7.02 7.34 7.32 7.33

RV and marine

5.44 5.53 5.41 5.31 5.34

Other consumer 9.88 10.11 10.82 10.88 11.01

Total consumer 5.59 5.54 5.57 5.49 5.44

Total loans and leases 5.82 5.84 5.96 5.91 5.87

Total earning assets 5.27 5.25 5.39 5.40 5.39

Liabilities

Interest-bearing deposits:

Demand deposits - interest-bearing 1.88 1.91 2.02 2.00 1.91

Money market deposits 2.41 2.66 2.99 3.05 3.08

Savings deposits

0.68 0.47 0.35 0.28 0.20

Time deposits

3.50 3.69 3.60 3.74 4.06

Total interest-bearing deposits 2.21 2.28 2.43 2.46 2.48

Short-term borrowings 3.83 4.45 3.90 4.37 3.87

Long-term debt 5.09 5.61 5.75 5.69 5.68

Total interest-bearing liabilities 2.53 2.65 2.81 2.85 2.86

Net interest rate spread 2.74 2.60 2.58 2.55 2.53

Impact of noninterest-bearing funds on margin 0.50 0.55 0.55 0.56 0.57

Net interest margin 3.24 % 3.15 % 3.13 % 3.11 % 3.10 %

Additional information:

Commercial Loan Derivative Impact

Commercial loans (2) (3) 6.04 % 6.23 % 6.50 % 6.49 % 6.57 %

Impact of commercial loan derivatives (0.08) (0.18) (0.25) (0.27) (0.38)

Total commercial - as reported 5.96 % 6.05 % 6.25 % 6.22 % 6.19 %

Average SOFR 3.66 % 4.00 % 4.33 % 4.32 % 4.33 %

Total cost of deposits (4) 1.82 % 1.88 % 2.00 % 2.02 % 2.03 %

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 9 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.

Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data

(Unaudited)

Three Months Ended

(dollar amounts in millions, except per share data) March 31, December 31, September 30, June 30, March 31,

2026 2025 2025 2025 2025

Interest income

$ 3,086 $ 2,665 $ 2,600 $ 2,556 $ 2,489

Interest expense

1,195 1,073 1,094 1,089 1,063

Net interest income 1,891 1,592 1,506 1,467 1,426

Provision for credit losses 158 123 122 103 115

Net interest income after provision for credit losses 1,733 1,469 1,384 1,364 1,311

Payments and cash management revenue 187 170 174 165 155

Wealth and asset management revenue 120 102 104 102 101

Customer deposit and loan fees 110 107 102 95 86

Capital markets and advisory fees 132 101 94 84 67

Mortgage banking income 32 39 43 28 31

Insurance income 21 22 20 19 20

Leasing revenue 13 19 23 10 14

Net gains (losses) on sales of securities 13 — — (58) —

Other noninterest income 54 22 68 26 20

Total noninterest income

682 582 628 471 494

Personnel costs 992 845 757 722 671

Outside data processing and other services 311 222 198 182 170

Equipment 93 67 66 68 67

Net occupancy 85 56 57 54 65

Professional services 44 80 31 22 22

Marketing 37 36 34 28 29

Deposit and other insurance expense 35 (1) 9 20 37

Amortization of intangibles 41 13 11 11 11

Lease financing equipment depreciation 3 3 4 2 4

Other noninterest expense 133 99 79 88 76

Total noninterest expense

1,774 1,420 1,246 1,197 1,152

Income before income taxes 641 631 766 638 653

Provision for income taxes

114 108 133 96 122

Income after income taxes 527 523 633 542 531

Income attributable to non-controlling interest 4 4 4 6 4

Net income attributable to Huntington 523 519 629 536 527

Dividends on preferred shares 41 43 27 27 27

Net income applicable to common shares $ 482 $ 476 $ 602 $ 509 $ 500

Average common shares - basic

1,869 1,544 1,459 1,457 1,454

Average common shares - diluted

1,901 1,570 1,485 1,481 1,482

Per common share

Net income - basic $ 0.26 $ 0.31 $ 0.41 $ 0.35 $ 0.34

Net income - diluted 0.25 0.30 0.41 0.34 0.34

Cash dividends declared

0.155 0.155 0.155 0.155 0.155

Revenue - fully-taxable equivalent (FTE)

Net interest income $ 1,891 $ 1,592 $ 1,506 $ 1,467 $ 1,426

FTE adjustment 19 17 17 16 15

Net interest income (1) 1,910 1,609 1,523 1,483 1,441

Noninterest income 682 582 628 471 494

Total revenue (1) $ 2,592 $ 2,191 $ 2,151 $ 1,954 $ 1,935

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.

Huntington Bancshares Incorporated

Quarterly Mortgage Banking Noninterest Income

(Unaudited)

Three Months Ended

March 31, December 31, September 30, June 30, March 31, Percent Changes vs.

(dollar amounts in millions)

2026 2025 2025 2025 2025 4Q25 1Q25

Net origination and secondary marketing income $ 35 $ 28 $ 30 $ 26 $ 18 25 % 94 %

Net mortgage servicing income

Loan servicing income

32 26 26 26 26 23 23

Amortization of capitalized servicing

(21) (20) (17) (18) (13) (5) (62)

Operating income

11 6 9 8 13 83 (15)

MSR valuation adjustment (1)

(5) 13 (1) — (15) (138) 67

Gains (losses) due to MSR hedging

(10) (8) 4 (6) 15 (25) (167)

Net MSR risk management

(15) 5 3 (6) — (400) (100)

Total net mortgage servicing income (4) 11 12 2 13 (136) (131)

All other 1 — 1 — — 100 100

Mortgage banking income $ 32 $ 39 $ 43 $ 28 $ 31 (18) % 3 %

Mortgage origination volume $ 2,323 $ 2,178 $ 2,243 $ 2,412 $ 1,599 7 % 45 %

Mortgage origination volume for sale 1,457 1,421 1,516 1,508 938 3 55

Third party mortgage loans serviced (2) $ 42,796 $ 34,407 $ 34,370 $ 33,925 $ 33,864 24 % 26 %

Mortgage servicing rights (2) 735 593 576 567 564 24 30

MSR % of investor servicing portfolio (2) 1.72 % 1.72 % 1.67 % 1.67 % 1.66 % — % 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.

Huntington Bancshares Incorporated

Quarterly Credit Reserves Analysis

(Unaudited)

Three Months Ended

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Allowance for loan and lease losses, beginning of period $ 2,537 $ 2,374 $ 2,331 $ 2,263 $ 2,244

Loan and lease charge-offs (173) (145) (137) (111) (133)

Recoveries of loans and leases previously charged off

62 56 62 45 47

Net loan and lease charge-offs (111) (89) (75) (66) (86)

Provision for loan and lease losses 250 109 118 134 105

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 3,243 2,537 2,374 2,331 2,263

Allowance for unfunded lending commitments, beginning of period 206 188 184 215 202

Provision (benefit) for unfunded lending commitments

(92) 14 4 (31) 13

Allowance for unfunded lending commitments at acquisition

11 4 — — —

Allowance for unfunded lending commitments, end of period 125 206 188 184 215

Total allowance for credit losses, end of period $ 3,368 $ 2,743 $ 2,562 $ 2,515 $ 2,478

Allowance for loan and lease losses (ALLL) as % of:

Total loans and leases 1.72 % 1.70 % 1.72 % 1.73 % 1.71 %

Nonaccrual loans and leases (NALs) 243 272 294 277 302

Nonperforming assets (NPAs) 239 269 289 274 281

Total allowance for credit losses (ACL) as % of:

Total loans and leases 1.78 % 1.83 % 1.86 % 1.86 % 1.87 %

Nonaccrual loans and leases (NALs) 253 295 317 299 331

Nonperforming assets (NPAs) 248 290 312 295 308

(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.

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Allocation of allowance for credit losses

Commercial

Commercial and industrial $ 1,390 $ 1,070 $ 1,084 $ 1,068 $ 1,017

Commercial real estate 819 569 419 417 443

Lease financing 96 92 65 63 60

Total commercial 2,305 1,731 1,568 1,548 1,520

Consumer

Residential mortgage 291 205 204 208 199

Automobile 178 181 172 161 150

Home equity 171 149 160 153 140

RV and marine

134 136 141 143 146

Other consumer 164 135 129 118 108

Total consumer 938 806 806 783 743

Total allowance for loan and lease losses 3,243 2,537 2,374 2,331 2,263

Allowance for unfunded lending commitments 125 206 188 184 215

Total allowance for credit losses $ 3,368 $ 2,743 $ 2,562 $ 2,515 $ 2,478

Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

Three Months Ended

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Net charge-offs (recoveries) by loan and lease type:

Commercial:

Commercial and industrial $ 54 $ 40 $ 39 $ 32 $ 48

Commercial real estate 2 8 (4) (3) (8)

Lease financing — (8) 1 2 4

Total commercial 56 40 36 31 44

Consumer:

Residential mortgage 1 — — 1 —

Automobile 15 14 10 7 13

Home equity — — 1 — —

RV and marine

7 6 4 5 7

Other consumer 32 29 24 22 22

Total consumer 55 49 39 35 42

Total net charge-offs $ 111 $ 89 $ 75 $ 66 $ 86

Net charge-offs (recoveries) - annualized percentages:

Commercial:

Commercial and industrial 0.26 % 0.24 % 0.25 % 0.22 % 0.33 %

Commercial real estate 0.03 0.21 (0.13) (0.14) (0.26)

Lease financing 0.01 (0.53) 0.04 0.12 0.33

Total commercial 0.21 0.18 0.18 0.16 0.24

Consumer:

Residential mortgage 0.02 0.01 0.01 0.01 —

Automobile 0.38 0.36 0.26 0.19 0.35

Home equity 0.02 (0.01) 0.01 0.01 —

RV and marine

0.51 0.45 0.30 0.33 0.45

Other consumer 5.30 5.22 4.92 4.86 4.89

Total consumer 0.34 0.33 0.27 0.25 0.29

Net charge-offs as a % of average loans and leases 0.26 % 0.24 % 0.22 % 0.20 % 0.26 %

Huntington Bancshares Incorporated

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) (1)

(Unaudited)

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Nonaccrual loans and leases (NALs):

Commercial and industrial $ 824 $ 562 $ 455 $ 489 $ 413

Commercial real estate 188 133 131 138 118

Lease financing 9 8 10 10 11

Residential mortgage 185 107 97 93 90

Automobile 6 6 6 5 4

Home equity 117 113 108 105 110

RV and marine 2 2 1 2 2

Other consumer 1 — — — —

Total nonaccrual loans and leases 1,332 931 808 842 748

Other real estate, net 22 13 10 10 8

Other NPAs (1) 3 1 3 — 48

Total nonperforming assets $ 1,357 $ 945 $ 821 $ 852 $ 804

Nonaccrual loans and leases as a % of total loans and leases 0.71 % 0.62 % 0.59 % 0.62 % 0.56 %

NPA ratio (2) 0.72 0.63 0.60 0.63 0.61

(NPA+90days)/(Loan+OREO) (3) 0.94 0.82 0.76 0.81 0.77

Three Months Ended

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Nonperforming assets, beginning of period $ 945 $ 821 $ 852 $ 804 $ 822

Acquired nonperforming assets

295 81 — — —

New nonperforming assets 403 300 252 343 250

Returns to accruing status (52) (22) (25) (27) (31)

Charge-offs (121) (75) (62) (57) (55)

Payments (108) (141) (167) (203) (178)

Sales (5) (19) (29) (8) (4)

Nonperforming assets, end of period $ 1,357 $ 945 $ 821 $ 852 $ 804

(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.

Huntington Bancshares Incorporated

Quarterly Accruing Past Due Loans and Leases

(Unaudited)

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Accruing loans and leases past due 90+ days:

Commercial and industrial $ 2 $ 1 $ 1 $ 4 $ 2

Commercial real estate 3 — — — —

Lease financing 5 9 6 14 8

Residential mortgage (excluding loans guaranteed by the U.S. Government) 46 46 35 40 29

Automobile 12 14 12 10 8

Home equity 22 16 20 18 18

RV and marine

3 4 3 2 3

Other consumer 6 6 5 4 4

Total, excl. loans guaranteed by the U.S. Government 99 96 82 92 72

Add: loans guaranteed by U.S. Government 322 186 152 149 148

Total accruing loans and leases past due 90+ days, including loans guaranteed by the U.S. Government $ 421 $ 282 $ 234 $ 241 $ 220

Ratios:

Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases 0.05 % 0.06 % 0.06 % 0.07 % 0.05 %

Guaranteed by U.S. Government, as a percent of total loans and leases 0.17 0.12 0.11 0.11 0.11

Including loans guaranteed by the U.S. Government, as a percent of total loans and leases 0.22 0.19 0.17 0.18 0.17

Huntington Bancshares Incorporated

Quarterly Capital Under Current Regulatory Standards (Basel III)

(Unaudited)

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Common equity tier 1 risk-based capital ratio: (1)

Total Huntington shareholders’ equity $ 32,535 $ 24,342 $ 22,248 $ 20,928 $ 20,434

Regulatory capital adjustments:

Shareholders’ preferred equity and related surplus (2,891) (2,741) (2,741) (1,999) (1,999)

Accumulated other comprehensive loss 2,055 1,904 2,065 2,241 2,422

Goodwill and other intangibles, net of taxes (10,180) (5,999) (5,481) (5,508) (5,520)

Deferred tax assets from tax loss and credit carryforwards (359) (220) (167) (123) (68)

Common equity tier 1 capital 21,160 17,286 15,924 15,539 15,269

Additional tier 1 capital

Shareholders’ preferred equity and related surplus 2,891 2,741 2,741 1,999 1,999

Tier 1 capital 24,051 20,027 18,665 17,538 17,268

Long-term debt and other tier 2 qualifying instruments 2,126 1,480 1,477 1,606 1,641

Qualifying allowance for loan and lease losses 2,595 2,086 1,880 1,859 1,811

Tier 2 capital 4,721 3,566 3,357 3,465 3,452

Total risk-based capital $ 28,772 $ 23,593 $ 22,022 $ 21,003 $ 20,720

Risk-weighted assets (RWA) (1) $ 208,126 $ 166,684 $ 150,222 $ 148,602 $ 144,632

Common equity tier 1 risk-based capital ratio (1) 10.2 % 10.4 % 10.6 % 10.5 % 10.6 %

Other regulatory capital data:

Tier 1 leverage ratio (1) 9.5 9.3 9.0 8.5 8.5

Tier 1 risk-based capital ratio (1) 11.6 12.0 12.4 11.8 11.9

Total risk-based capital ratio (1) 13.8 14.2 14.7 14.1 14.3

Reconciliation of Non-GAAP Measure (2)

Common equity tier 1 (CET1) capital (A) $ 21,160 $ 17,286 $ 15,924 $ 15,539 $ 15,269

Add: Accumulated other comprehensive income (loss) (AOCI) (2,055) (1,904) (2,065) (2,241) (2,422)

Less: AOCI cash flow hedge (49) 27 16 (7) (90)

Adjusted common equity tier 1 (B) 19,154 15,355 13,843 13,305 12,937

Risk-weighted assets (C) 208,126 166,684 150,222 148,602 144,632

CET1 ratio (A/C) 10.2 % 10.4 % 10.6 % 10.5 % 10.6 %

Adjusted CET1 ratio (B/C) 9.2 9.2 9.2 9.0 8.9

(1)March 31, 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.

Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data

(Unaudited)

Quarterly Common Stock Summary

March 31, December 31, September 30, June 30, March 31,

2026 2025 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 1,869 1,544 1,459 1,457 1,454

Average - diluted 1,901 1,570 1,485 1,481 1,482

Ending 2,027 1,568 1,459 1,459 1,457

Tangible book value per common share

$ 9.55 $ 9.89 $ 9.54 $ 9.13 $ 8.80

Non-Regulatory Capital

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Calculation of tangible equity / asset ratio:

Total Huntington shareholders’ equity $ 32,535 $ 24,342 $ 22,248 $ 20,928 $ 20,434

Goodwill and other intangible assets (10,496) (6,142) (5,611) (5,635) (5,646)

Deferred tax liability on other intangible assets (1) 203 30 13 16 18

Total tangible equity 22,242 18,230 16,650 15,309 14,806

Preferred equity (2,881) (2,731) (2,731) (1,989) (1,989)

Total tangible common equity $ 19,361 $ 15,499 $ 13,919 $ 13,320 $ 12,817

Total assets $ 285,372 $ 225,106 $ 210,228 $ 207,742 $ 209,596

Goodwill and other intangible assets (10,496) (6,142) (5,611) (5,635) (5,646)

Deferred tax liability on other intangible assets (1) 203 30 13 16 18

Total tangible assets $ 275,079 $ 218,994 $ 204,630 $ 202,123 $ 203,968

Shareholders' equity / total assets

11.4 % 10.8 % 10.6 % 10.1 % 9.7 %

Tangible equity / tangible asset ratio 8.1 8.3 8.1 7.6 7.3

Tangible common equity / tangible asset ratio 7.0 7.1 6.8 6.6 6.3

Tangible common equity / RWA ratio (2)

9.3 9.3 9.3 9.0 8.9

(1)Deferred tax liability related to other intangible assets is calculated at a 21% tax rate.

(2)Estimated at March 31, 2026.

Other Data

March 31, December 31, September 30, June 30, March 31,

2026 2025 2025 2025 2025

Number of employees (Average full-time equivalent) 24,641 20,924 20,247 20,242 20,092

Number of domestic full-service branches (1)

1,403 1,005 972 971 968

ATM Count 2,043 1,591 1,569 1,565 1,560

(1)Includes Regional Banking and The Huntington Private Bank offices.

Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data (continued)

(Unaudited)

Return on Average Tangible Common Shareholders' Equity

Three Months Ended

March 31, December 31, September 30, June 30, March 31,

(dollar amounts in millions) 2026 2025 2025 2025 2025

Calculation of average tangible common shareholders' equity ratio:

Average Huntington common shareholders' equity $ 27,050 $ 21,165 $ 19,197 $ 18,559 $ 18,007

Less: Intangible assets and goodwill, net of tax effect 9,026 6,015 5,610 5,624 5,632

Average tangible common shareholders' equity (A) $ 18,024 $ 15,150 $ 13,587 $ 12,935 $ 12,375

Net income applicable to common shares $ 482 $ 476 $ 602 $ 509 $ 500

Add: Amortization of intangibles, net of deferred tax 33 10 8 9 9

Adjusted net income applicable to common shares $ 515 $ 486 $ 610 $ 518 $ 509

Adjusted net income applicable to common shares, annualized (B) $ 2,089 $ 1,928 $ 2,420 $ 2,078 $ 2,064

Return on average tangible common shareholders' equity (B/A) 11.6 % 12.7 % 17.8 % 16.1 % 16.7 %

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