LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2026

The following table provides a detailed listing of Huntington’s loan and lease portfolio.


(dollar amounts in millions)	At September 30, 2026	At December 31, 2025
Commercial loan and lease portfolio:
Commercial and industrial	$93,966	$69,442
Commercial real estate	22,748	15,209
Lease financing	5,885	5,727
Total commercial loan and lease portfolio	122,599	90,378
Consumer loan portfolio:
Residential mortgage	33,163	24,777
Automobile	15,355	16,168
Home equity	11,898	10,395
RV and marine	5,757	5,682
Other consumer	2,677	2,242
Total consumer loan portfolio	68,850	59,264
Total loans and leases (1)(2)	191,449	149,642
Allowance for loan and lease losses	(3,222)	(2,537)
Net loans and leases	$188,227	$147,105

(1)Loans and leases are reported at principal amount outstanding, including unamortized purchase premiums and discounts, unearned income, and net direct

fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net discount of

$1.5 billion and $815 million at September 30, 2026 and December 31, 2025, respectively.

(2)The total amount of accrued interest recorded for loans and leases at September 30, 2026 was $472 million for the commercial loan and lease portfolio

and $301 million for the consumer loan portfolio, and at December 31, 2025 was $358 million for the commercial loan and lease portfolio and $253 million

for the consumer loan portfolio. Accrued interest is presented in accrued income and other receivables within the Unaudited Consolidated Balance Sheets.

Direct Financing Lease, Lease Income

The following table presents net investments in lease financing receivables by category.


(dollar amounts in millions)	At September 30, 2026	At December 31, 2025
Lease payments receivable	$5,483	$5,379
Estimated residual value of leased assets	1,081	1,011
Gross investment in lease financing receivables	6,564	6,390
Deferred origination costs	62	58
Deferred fees, unearned income, and other	(741)	(721)
Total lease financing receivables	$5,885	$5,727

NALs and Past Due Loans

The following table presents NALs by loan class.


	At September 30, 2026		At December 31, 2025
(dollar amounts in millions)	Nonaccrual loans and leases with no ACL	Total nonaccrual loans and leases	Nonaccrual loans and leases with no ACL	Total nonaccrual loans and leases
Commercial and industrial	$65	$1,046	$76	$562
Commercial real estate	8	265	81	133
Lease financing	2	6	4	8
Residential mortgage	3	240	5	107
Automobile	—	8	—	6
Home equity	—	129	—	113
RV and marine	—	2	—	2
Other consumer	—	1	—	—
Total nonaccrual loans and leases	$78	$1,697	$166	$931

Aging Analysis of Loans and Leases

The following table presents an aging analysis of loans and leases, by loan class.


	Past Due (1)					Loans Accounted for Under FVO	Total Loans and Leases	90 or more days past due and accruing
(dollar amounts in millions)	30-59 Days	60-89 Days	90 or more days	Total	Current	Loans Accounted for Under FVO	Total Loans and Leases	90 or more days past due and accruing
At September 30, 2026
Commercial and industrial	$259	$123	$645	$1,027	$92,939	$—	$93,966	$2	(2)
Commercial real estate	73	25	167	265	22,483	—	22,748	—
Lease financing	30	14	4	48	5,837	—	5,885	1
Residential mortgage	413	164	605	1,182	31,815	166	33,163	419	(3)
Automobile	121	32	19	172	15,183	—	15,355	15
Home equity	81	39	120	240	11,658	—	11,898	28
RV and marine	25	7	5	37	5,720	—	5,757	4
Other consumer	25	8	7	40	2,637	—	2,677	8
Total loans and leases	$1,027	$412	$1,572	$3,011	$188,272	$166	$191,449	$477
At December 31, 2025
Commercial and industrial	$144	$78	$332	$554	$68,888	$—	$69,442	$1	(2)
Commercial real estate	31	2	101	134	15,075	—	15,209	—
Lease financing	30	32	10	72	5,655	—	5,727	9
Residential mortgage	239	100	305	644	23,966	167	24,777	232	(3)
Automobile	132	33	18	183	15,985	—	16,168	14
Home equity	60	30	89	179	10,216	—	10,395	16
RV and marine	25	10	5	40	5,642	—	5,682	4
Other consumer	18	6	7	31	2,211	—	2,242	6
Total loans and leases	$679	$291	$867	$1,837	$147,638	$167	$149,642	$282

(1)NALs are included in this aging analysis based on the loan’s past due status.

(2)Amounts include SBA loans and leases.

(3)Amounts include mortgage loans insured by U.S. government agencies.

Loan and Lease Balances by Credit Quality Indicator

The following tables present the amortized cost basis of loans and leases by vintage and internally defined credit

quality indicator.


	At September 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolver Total at Amortized Cost Basis	Revolver Total Converted to Term Loans
(dollar amounts in millions)	2026	2025	2024	2023	2022	Prior	Revolver Total at Amortized Cost Basis	Revolver Total Converted to Term Loans	Total
Commercial and industrial
Credit Quality Indicator:
Pass	$20,056	$15,579	$8,030	$4,681	$4,193	$5,046	$31,778	$9	$89,372
OLEM	138	232	118	93	59	81	382	—	1,103
Substandard	547	413	625	411	329	403	763	—	3,491
Total Commercial and industrial	$20,741	$16,224	$8,773	$5,185	$4,581	$5,530	$32,923	$9	$93,966
Commercial real estate
Credit Quality Indicator:
Pass	$3,262	$6,214	$2,638	$1,051	$2,347	$3,580	$1,290	$—	$20,382
OLEM	180	43	96	136	155	187	8	—	805
Substandard	279	240	168	143	314	291	126	—	1,561
Total Commercial real estate	$3,721	$6,497	$2,902	$1,330	$2,816	$4,058	$1,424	$—	$22,748
Lease financing
Credit Quality Indicator:
Pass	$1,220	$1,846	$1,295	$900	$239	$333	$—	$—	$5,833
OLEM	—	3	4	1	—	—	—	—	8
Substandard	—	2	20	6	4	12	—	—	44
Total Lease financing	$1,220	$1,851	$1,319	$907	$243	$345	$—	$—	$5,885
Residential mortgage
Credit Quality Indicator:
750+	$2,092	$2,764	$2,194	$2,400	$4,236	$10,885	$19	$—	$24,590
650-749	873	926	689	561	889	2,390	1	—	6,329
<650	74	201	217	181	291	1,114	—	—	2,078
Total Residential mortgage	$3,039	$3,891	$3,100	$3,142	$5,416	$14,389	$20	$—	$32,997
Automobile
Credit Quality Indicator:
750+	$2,505	$2,897	$1,907	$665	$420	$197	$—	$—	$8,591
650-749	1,537	2,053	1,027	335	203	98	—	—	5,253
<650	226	572	358	163	117	75	—	—	1,511
Total Automobile	$4,268	$5,522	$3,292	$1,163	$740	$370	$—	$—	$15,355
Home equity
Credit Quality Indicator:
750+	$116	$161	$129	$211	$294	$808	$5,895	$245	$7,859
650-749	34	62	57	65	62	135	2,678	212	3,305
<650	1	6	10	15	12	49	499	142	734
Total Home equity	$151	$229	$196	$291	$368	$992	$9,072	$599	$11,898
RV and marine
Credit Quality Indicator:
750+	$800	$570	$592	$577	$566	$1,231	$—	$—	$4,336
650-749	217	154	165	182	150	358	—	—	1,226
<650	4	10	22	34	28	97	—	—	195
Total RV and marine	$1,021	$734	$779	$793	$744	$1,686	$—	$—	$5,757
Other consumer
Credit Quality Indicator:
750+	$342	$258	$120	$35	$17	$49	$710	$—	$1,531
650-749	150	142	65	22	7	16	554	10	966
<650	10	25	18	9	5	9	84	20	180
Total Other consumer	$502	$425	$203	$66	$29	$74	$1,348	$30	$2,677


	At December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolver Total at Amortized Cost Basis	Revolver Total Converted to Term Loans
(dollar amounts in millions)	2025	2024	2023	2022	2021	Prior	Revolver Total at Amortized Cost Basis	Revolver Total Converted to Term Loans	Total
Commercial and industrial
Credit Quality Indicator:
Pass	$19,465	$8,750	$4,561	$4,189	$1,601	$2,181	$25,228	$7	$65,982
OLEM	222	226	92	106	14	17	272	—	949
Substandard	513	406	326	285	137	127	717	—	2,511
Total Commercial and industrial	$20,200	$9,382	$4,979	$4,580	$1,752	$2,325	$26,217	$7	$69,442
Commercial real estate
Credit Quality Indicator:
Pass	$3,257	$1,813	$761	$2,491	$1,358	$2,429	$876	$—	$12,985
OLEM	58	47	89	398	275	108	—	—	975
Substandard	178	87	125	366	197	289	7	—	1,249
Total Commercial real estate	$3,493	$1,947	$975	$3,255	$1,830	$2,826	$883	$—	$15,209
Lease financing
Credit Quality Indicator:
Pass	$1,854	$1,506	$1,091	$547	$356	$303	$—	$—	$5,657
OLEM	—	7	10	2	3	9	—	—	31
Substandard	3	6	11	13	2	4	—	—	39
Total Lease financing	$1,857	$1,519	$1,112	$562	$361	$316	$—	$—	$5,727
Residential mortgage
Credit Quality Indicator:
750+	$1,515	$1,785	$2,028	$3,755	$5,331	$5,006	$—	$—	$19,420
650-749	638	441	397	638	727	1,076	—	—	3,917
<650	88	113	100	165	155	652	—	—	1,273
Total Residential mortgage	$2,241	$2,339	$2,525	$4,558	$6,213	$6,734	$—	$—	$24,610
Automobile
Credit Quality Indicator:
750+	$4,019	$2,692	$1,036	$754	$424	$107	$—	$—	$9,032
650-749	2,879	1,576	544	369	199	53	—	—	5,620
<650	523	428	217	184	123	41	—	—	1,516
Total Automobile	$7,421	$4,696	$1,797	$1,307	$746	$201	$—	$—	$16,168
Home equity
Credit Quality Indicator:
750+	$185	$164	$249	$321	$376	$542	$4,909	$228	$6,974
650-749	56	51	72	62	43	102	2,100	217	2,703
<650	3	8	14	29	7	41	474	142	718
Total Home equity	$244	$223	$335	$412	$426	$685	$7,483	$587	$10,395
RV and marine
Credit Quality Indicator:
750+	$709	$716	$709	$676	$586	$914	$—	$—	$4,310
650-749	172	204	209	164	164	264	—	—	1,177
<650	5	19	32	29	37	73	—	—	195
Total RV and marine	$886	$939	$950	$869	$787	$1,251	$—	$—	$5,682
Other consumer
Credit Quality Indicator:
750+	$388	$176	$52	$25	$11	$45	$619	$9	$1,325
650-749	172	87	29	9	3	10	485	4	799
<650	14	15	8	4	1	2	66	8	118
Total Other consumer	$574	$278	$89	$38	$15	$57	$1,170	$21	$2,242

Summary of Modifications

The following tables present the gross charge-offs of loans and leases by vintage.


	Term Loans Gross Charge-offs by Origination Year						Revolver Gross Charge-offs	Revolver Converted to Term Loans Gross Charge-offs
(dollar amounts in millions)	2026	2025	2024	2023	2022	Prior	Revolver Gross Charge-offs	Revolver Converted to Term Loans Gross Charge-offs	Total
Three months ended September 30, 2026
Commercial and industrial	$23	$15	$24	$12	$10	$7	$7	$3	$101
Commercial real estate	2	3	—	2	—	4	—	—	11
Lease financing	—	1	1	—	—	—	—	—	2
Residential mortgage	—	—	—	1	1	1	—	—	3
Automobile	2	10	7	4	2	1	—	—	26
Home equity	—	—	—	—	—	—	—	1	1
RV and marine	—	—	1	2	1	4	—	—	8
Other consumer	12	10	5	2	1	5	—	13	48
Total	$39	$39	$38	$23	$15	$22	$7	$17	$200
Nine months ended September 30, 2026
Commercial and industrial	$27	$33	$37	$29	$21	$92	$59	$4	$302
Commercial real estate	2	3	—	3	4	9	1	—	22
Lease financing	—	1	1	—	1	1	—	—	4
Residential mortgage	—	1	1	1	2	2	—	—	7
Automobile	2	29	19	11	7	5	—	—	73
Home equity	—	—	—	—	—	—	1	4	5
RV and marine	—	1	3	6	4	13	—	—	27
Other consumer	18	27	15	7	4	13	2	38	124
Total	$49	$95	$76	$57	$43	$135	$63	$46	$564

	Term Loans Gross Charge-offs by Origination Year						Revolver Gross Charge-offs	Revolver Converted to Term Loans Gross Charge-offs
(dollar amounts in millions)	2025	2024	2023	2022	2021	Prior	Revolver Gross Charge-offs	Revolver Converted to Term Loans Gross Charge-offs	Total
Three months ended September 30, 2025
Commercial and industrial	$4	$6	$30	$4	$3	$3	$9	$3	$62
Commercial real estate	—	—	—	1	—	16	—	—	17
Lease financing	—	—	—	1	—	—	—	—	1
Residential mortgage	—	—	—	—	—	—	—	—	—
Automobile	2	6	4	3	3	1	—	—	19
Home equity	—	—	—	—	—	—	—	2	2
RV and marine	—	1	2	—	1	3	—	—	7
Other consumer	4	6	3	2	1	4	—	9	29
Total	$10	$19	$39	$11	$8	$27	$9	$14	$137
Nine months ended September 30, 2025
Commercial and industrial	$6	$17	$54	$47	$8	$16	$27	$5	$180
Commercial real estate	2	—	—	1	1	16	1	—	21
Lease financing	—	1	1	4	1	2	—	—	9
Residential mortgage	—	—	—	—	—	2	—	—	2
Automobile	2	16	13	12	9	3	—	—	55
Home equity	—	—	—	—	—	—	1	4	5
RV and marine	—	2	6	3	4	10	—	—	25
Other consumer	8	17	12	6	3	10	—	28	84
Total	$18	$53	$86	$73	$26	$59	$29	$37	$381

The following table summarizes the amortized cost basis of loans modified during the reporting period to

borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification.


	Amortized Cost
(dollar amounts in millions)	Interest rate reduction	Term extension	Payment deferral	Combo - interest rate reduction and term extension	Total	% of total loan class (1)
Three months ended September 30, 2026
Commercial and industrial	$5	$300	$—	$1	$306	0.33%
Commercial real estate	30	218	—	—	248	1.09
Residential mortgage	1	19	6	4	30	0.09
Automobile	—	3	—	—	3	0.02
Home equity	—	3	—	1	4	0.03
RV and marine	—	1	—	—	1	0.02
Other consumer	1	—	—	—	1	0.04
Total loans to borrowers experiencing financial difficulty to which modifications were made	$37	$544	$6	$6	$593	0.31%
Three months ended September 30, 2025
Commercial and industrial	$24	$105	$—	$1	$130	0.21%
Commercial real estate	—	125	—	—	125	1.16
Residential mortgage	—	18	3	1	22	0.09
Automobile	—	4	—	—	4	0.03
Home equity	—	2	—	3	5	0.05
RV and marine	—	1	—	—	1	0.02
Total loans to borrowers experiencing financial difficulty to which modifications were made	$24	$255	$3	$5	$287	0.21%
Nine months ended September 30, 2026
Commercial and industrial	$56	$391	$—	$43	$490	0.52%
Commercial real estate	36	372	—	2	410	1.80
Residential mortgage	1	38	11	8	58	0.17
Automobile	—	9	—	1	10	0.07
Home equity	—	6	—	4	10	0.08
RV and marine	—	1	—	—	1	0.02
Other consumer	1	—	—	—	1	0.04
Total loans to borrowers experiencing financial difficulty in which modifications were made	$94	$817	$11	$58	$980	0.51%
Nine months ended September 30, 2025
Commercial and industrial	$91	$261	$—	$2	$354	0.56%
Commercial real estate	—	213	—	—	213	1.98
Residential mortgage	—	38	14	4	56	0.23
Automobile	—	6	—	—	6	0.04
Home equity	—	6	—	7	13	0.13
RV and marine	—	1	—	—	1	0.02
Other consumer	1	—	—	—	1	0.05
Total loans to borrowers experiencing financial difficulty in which modifications were made	$92	$525	$14	$13	$644	0.47%

(1)Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class.

The following table summarizes the weighted-average financial effects of loan modifications made to borrowers

experiencing financial difficulty.


	Interest Rate Reduction (1)		Term Extension (1)
	Weighted-average contractual interest rate		Weighted-average years added to the life
	From	To	Weighted-average years added to the life
Three months ended September 30, 2026
Commercial and industrial	9.20%	1.78%	0.5
Commercial real estate	6.38	6.06	0.6
Residential mortgage			6.5
Three months ended September 30, 2025
Commercial and industrial	9.93%	8.16%	0.7
Commercial real estate			0.3
Residential mortgage			6.1
Nine months ended September 30, 2026
Commercial and industrial	9.19%	7.17%	0.8
Commercial real estate	6.43	6.15	0.8
Residential mortgage			7.1
Nine months ended September 30, 2025
Commercial and industrial	8.67%	7.32%	1.1
Commercial real estate			0.8
Residential mortgage			6.2

(1) Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial.

The following table depicts the performance of loans that have been modified

during the identified period.


	Past Due
(dollar amounts in millions)	30-59 Days	60-89 Days	90 or more days	Total	Current	Total
At September 30, 2026
Commercial and industrial	$5	$5	$37	$47	$482	$529
Commercial real estate	1	4	28	33	419	452
Residential mortgage	12	9	12	33	35	68
Automobile	1	1	—	2	11	13
Home equity	2	1	2	5	9	14
RV and marine	—	—	—	—	1	1
Other consumer	—	—	—	—	1	1
Total loans to borrowers experiencing financial difficulty to which modifications were made in the twelve months ended September 30, 2026	$21	$20	$79	$120	$958	$1,078
At September 30, 2025
Commercial and industrial	$21	$8	$9	$38	$397	$435
Commercial real estate	—	—	1	1	219	220
Residential mortgage	13	6	18	37	33	70
Automobile	1	—	—	1	7	8
Home equity	2	1	1	4	12	16
RV and marine	—	—	—	—	1	1
Other consumer	—	—	—	—	1	1
Total loans to borrowers experiencing financial difficulty to which modifications were made in the twelve months ended September 30, 2025	$37	$15	$29	$81	$670	$751