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SEGMENT REPORTING
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
SEGMENT REPORTING SEGMENT REPORTING 
Huntington’s business segments are based on our internally aligned segment leadership structure, which is how
management monitors results and assesses performance. Huntington reports on two business segments: Consumer
& Regional Banking and Commercial Banking. All other items not included within our two business segments are
reported within the Treasury / Other function, which primarily includes technology and operations, other
unallocated assets, liabilities, revenue, and expenses. For a description of our business segments, see Note 25 -
“Segment Reporting” to the Consolidated Financial Statements appearing in Huntington’s 2025 Annual Report on
Form 10-K.
The following tables present certain operating basis financial information for each reportable business segment
reconciled to Huntington’s consolidated financial results.
Consumer &
Regional Banking
Commercial
Banking
Treasury / Other
Huntington
Consolidated
(dollar amounts in millions)
Three months ended September 30, 2026
Net interest income (loss)
$1,451
$706
$(88)
$2,069
Provision for credit losses
105
18
—
123
Net interest income (loss) after provision for credit losses
1,346
688
(88)
1,946
Noninterest income
441
256
25
722
Noninterest expense:
Direct personnel costs
421
188
381
990
Other noninterest expense, including corporate allocations
754
235
(207)
782
Total noninterest expense
1,175
423
174
1,772
Income (loss) before income taxes
612
521
(237)
896
Provision (benefit) for income taxes
128
110
(66)
172
Income attributable to non-controlling interest
—
3
—
3
Net income (loss) attributable to Huntington
$484
$408
$(171)
$721
Consumer &
Regional Banking
Commercial
Banking
Treasury / Other
Huntington
Consolidated
(dollar amounts in millions)
Three months ended September 30, 2025
Net interest income (loss)
$1,061
$538
$(93)
$1,506
Provision for credit losses
121
1
—
122
Net interest income (loss) after provision for credit losses
940
537
(93)
1,384
Noninterest income
393
218
17
628
Noninterest expense:
Direct personnel costs
308
152
297
757
Other noninterest expense, including corporate allocations
541
167
(219)
489
Total noninterest expense
849
319
78
1,246
Income (loss) before income taxes
484
436
(154)
766
Provision (benefit) for income taxes
102
91
(60)
133
Income attributable to non-controlling interest
—
4
—
4
Net income (loss) attributable to Huntington
$382
$341
$(94)
$629
Nine months ended September 30, 2026
Net interest income (loss)
$4,274
$2,065
$(327)
$6,012
Provision for credit losses
269
143
1
413
Net interest income (loss) after provision for credit losses
4,005
1,922
(328)
5,599
Noninterest income
1,285
783
121
2,189
Noninterest expense:
Direct personnel costs
1,210
581
1,201
2,992
Other noninterest expense, including corporate allocations
2,189
697
(523)
2,363
Total noninterest expense
3,399
1,278
678
5,355
Income (loss) before income taxes
1,891
1,427
(885)
2,433
Provision (benefit) for income taxes
397
300
(246)
451
Income attributable to non-controlling interest
—
11
—
11
Net income (loss) attributable to Huntington
$1,494
$1,116
$(639)
$1,971
Nine months ended September 30, 2025
Net interest income (loss)
$3,018
$1,564
$(183)
$4,399
Provision for credit losses
306
34
—
340
Net interest income (loss) after provision for credit losses
2,712
1,530
(183)
4,059
Noninterest income
1,059
557
(23)
1,593
Noninterest expense:
Direct personnel costs
907
440
803
2,150
Other noninterest expense, including corporate allocations
1,601
499
(655)
1,445
Total noninterest expense
2,508
939
148
3,595
Income (loss) before income taxes
1,263
1,148
(354)
2,057
Provision (benefit) for income taxes
265
241
(155)
351
Income attributable to non-controlling interest
—
14
—
14
Net income (loss) attributable to Huntington
$998
$893
$(199)
$1,692
Assets
Deposits
(dollar amounts in millions)
At September 30,
2026
At December 31,
2025
At September 30,
2026
At December 31,
2025
Consumer & Regional Banking
$115,271
$87,307
$148,587
$117,188
Commercial Banking
100,707
79,798
67,912
50,657
Treasury / Other
71,855
58,001
8,179
8,765
Total
$287,833
$225,106
$224,678
$176,610