
(dollar amounts in millions)	At March 31, 2026	At December 31, 2025
Commercial loan and lease portfolio:
Commercial and industrial	$89,282	$69,442
Commercial real estate	24,337	15,209
Lease financing	5,796	5,727
Total commercial loan and lease portfolio	119,415	90,378
Consumer loan portfolio:
Residential mortgage	33,458	24,777
Automobile	15,953	16,168
Home equity	11,831	10,395
RV and marine	5,627	5,682
Other consumer	2,534	2,242
Total consumer loan portfolio	69,403	59,264
Total loans and leases (1)(2)	188,818	149,642
Allowance for loan and lease losses	(3,243)	(2,537)
Net loans and leases	$185,575	$147,105

Nonaccrual and Past Due Loans and Leases

The following table presents NALs by loan class.


	At March 31, 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	$117	$824	$76	$562
Commercial real estate	34	188	81	133
Lease financing	2	9	4	8
Residential mortgage	3	185	5	107
Automobile	—	6	—	6
Home equity	—	117	—	113
RV and marine	—	2	—	2
Other consumer	—	1	—	—
Total nonaccrual loans and leases	$156	$1,332	$166	$931

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 March 31, 2026
Commercial and industrial	$273	$108	$468	$849	$88,433	$—	$89,282	$2	(2)
Commercial real estate	61	37	64	162	24,175	—	24,337	3
Lease financing	37	9	8	54	5,742	—	5,796	5
Residential mortgage	330	124	493	947	32,345	166	33,458	368	(3)
Automobile	128	30	15	173	15,780	—	15,953	12
Home equity	77	37	105	219	11,612	—	11,831	22
RV and marine	26	8	4	38	5,589	—	5,627	3
Other consumer	23	8	7	38	2,496	—	2,534	6
Total loans and leases	$955	$361	$1,164	$2,480	$186,172	$166	$188,818	$421
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.

Credit Quality Indicators

Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. See Note 5 - “Loans

and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2025 Annual Report on Form 10-K

for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining

an appropriate ACL level.

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

quality indicator.


	At March 31, 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	$7,007	$19,650	$10,233	$6,015	$5,502	$6,826	$29,569	$20	$84,822
OLEM	89	139	240	86	113	105	295	—	1,067
Substandard	235	490	582	417	337	439	866	27	3,393
Total Commercial and industrial	$7,331	$20,279	$11,055	$6,518	$5,952	$7,370	$30,730	$47	$89,282
Commercial real estate
Credit Quality Indicator:
Pass	$1,089	$5,699	$3,111	$1,411	$3,847	$5,330	$1,132	$—	$21,619
OLEM	53	179	22	81	499	290	—	—	1,124
Substandard	68	274	160	118	517	454	3	—	1,594
Total Commercial real estate	$1,210	$6,152	$3,293	$1,610	$4,863	$6,074	$1,135	$—	$24,337
Lease financing
Credit Quality Indicator:
Pass	$393	$1,975	$1,499	$1,000	$315	$551	$—	$—	$5,733
OLEM	—	—	6	1	—	—	—	—	7
Substandard	—	2	7	22	9	16	—	—	56
Total Lease financing	$393	$1,977	$1,512	$1,023	$324	$567	$—	$—	$5,796
Residential mortgage
Credit Quality Indicator:
750+	$371	$2,425	$2,384	$2,637	$4,569	$11,796	$320	$—	$24,502
650-749	146	1,032	731	617	945	2,573	73	—	6,117
<650	234	477	294	193	298	1,141	36	—	2,673
Total Residential mortgage	$751	$3,934	$3,409	$3,447	$5,812	$15,510	$429	$—	$33,292
Automobile
Credit Quality Indicator:
750+	$1,069	$3,439	$2,403	$898	$626	$392	$—	$—	$8,827
650-749	502	2,714	1,375	466	311	190	—	—	5,558
<650	42	613	415	204	163	131	—	—	1,568
Total Automobile	$1,613	$6,766	$4,193	$1,568	$1,100	$713	$—	$—	$15,953
Home equity
Credit Quality Indicator:
750+	$32	$242	$168	$239	$320	$887	$5,606	$233	$7,727
650-749	37	85	64	80	70	148	2,582	207	3,273
<650	—	8	11	17	14	49	588	144	831
Total Home equity	$69	$335	$243	$336	$404	$1,084	$8,776	$584	$11,831
RV and marine
Credit Quality Indicator:
750+	$223	$647	$673	$660	$641	$1,400	$—	$—	$4,244
650-749	27	184	190	207	159	415	—	—	1,182
<650	—	7	22	32	30	110	—	—	201
Total RV and marine	$250	$838	$885	$899	$830	$1,925	$—	$—	$5,627
Other consumer
Credit Quality Indicator:
750+	$140	$332	$164	$51	$24	$59	$634	$7	$1,411
650-749	56	186	89	31	10	16	534	4	926
<650	4	29	22	11	5	6	112	8	197
Total Other consumer	$200	$547	$275	$93	$39	$81	$1,280	$19	$2,534


	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


	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 March 31, 2026
Commercial and industrial	$1	$12	$6	$7	$2	$49	$15	$—	$92
Commercial real estate	—	—	—	—	1	4	—	—	5
Lease financing	—	—	—	—	—	1	—	—	1
Residential mortgage	—	—	—	—	—	1	—	—	1
Automobile	—	9	6	4	3	3	—	—	25
Home equity	—	—	—	—	—	—	—	1	1
RV and marine	—	—	1	2	1	5	—	—	9
Other consumer	1	9	6	3	1	4	2	13	39
Total	$2	$30	$19	$16	$8	$67	$17	$14	$173
	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 March 31, 2025
Commercial and industrial	$—	$6	$8	$33	$3	$9	$9	$1	$69
Commercial real estate	—	—	—	—	1	—	—	—	1
Lease financing	—	1	1	2	—	—	—	—	4
Residential mortgage	—	—	—	—	—	1	—	—	1
Automobile	—	5	5	6	3	1	—	—	20
Home equity	—	—	—	—	—	—	1	1	2
RV and marine	—	—	2	1	2	4	—	—	9
Other consumer	1	6	5	2	1	3	—	9	27
Total	$1	$18	$21	$44	$10	$18	$10	$11	$133

Modifications to Debtors Experiencing Financial Difficulty

See Note 5 - “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2025

Annual Report on Form 10-K for a description of reported modification types and the impact on credit quality of

borrowers experiencing financial difficulty.

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 March 31, 2026
Commercial and industrial	$33	$82	$—	$57	$172	0.19%
Commercial real estate	—	54	—	—	54	0.22
Residential mortgage	—	12	5	1	18	0.05
Automobile	—	4	—	1	5	0.03
Home equity	—	2	—	1	3	0.03
Total loans to borrowers experiencing financial difficulty to which modifications were made	$33	$154	$5	$60	$252	0.13%
Three months ended March 31, 2025
Commercial and industrial	$47	$173	$—	$—	$220	0.37%
Commercial real estate	—	97	—	—	97	0.88
Residential mortgage	—	16	7	1	24	0.10
Automobile	—	2	—	—	2	0.01
Home equity	—	2	—	2	4	0.04
Other consumer	1	—	—	—	1	0.05
Total loans to borrowers experiencing financial difficulty to which modifications were made	$48	$290	$7	$3	$348	0.26%

(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 March 31, 2026
Commercial and industrial	10.54%	7.53%	0.8
Commercial real estate			0.5
Three months ended March 31, 2025
Commercial and industrial	7.90%	7.61%	0.9
Commercial real estate			1.0
Residential mortgage			6.5

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


	Past Due
(dollar amounts in millions)	30-59 Days	60-89 Days	90 or more days	Total	Current	Total
At March 31, 2026
Commercial and industrial	$11	$1	$5	$17	$297	$314
Commercial real estate	7	1	26	34	115	149
Residential mortgage	12	6	20	38	35	73
Automobile	1	—	—	1	11	12
Home equity	2	1	3	6	12	18
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 March 31, 2026	$33	$9	$54	$96	$472	$568
At March 31, 2025
Commercial and industrial	$8	$—	$5	$13	$483	$496
Commercial real estate	12	—	2	14	244	258
Residential mortgage	9	9	15	33	39	72
Automobile	2	—	—	2	9	11
Home equity	1	1	1	3	12	15
RV and marine	—	—	—	—	1	1
Other consumer	—	—	—	—	2	2
Total loans to borrowers experiencing financial difficulty to which modifications were made in the twelve months ended March 31, 2025	$32	$10	$23	$65	$790	$855