INVESTMENT AND OTHER SECURITIES

Debt securities are classified as held-to-maturity when Huntington has the intent and ability to hold the

securities to their maturity. All other debt and equity securities are classified as either available-for-sale or other

securities. The following tables provide amortized cost, fair value, and gross unrealized gains and losses by

investment category.


		Unrealized
(dollar amounts in millions)	Amortized Cost (1)(2)	Gross Gains	Gross Losses	Fair Value
At June 30, 2026
Available-for-sale securities:
U.S. Treasury	$8,799	$3	$(25)	$8,777
Federal agencies:
Residential MBS	13,377	3	(1,425)	11,955
Residential CMO	6,660	13	(340)	6,333
Commercial MBS	3,232	1	(666)	2,567
Other agencies	477	—	(3)	474
Total U.S. Treasury, federal agency, and other agency securities	32,545	20	(2,459)	30,106
Municipal securities	4,752	5	(108)	4,649
Corporate debt	186	—	(17)	169
Asset-backed securities	186	—	(7)	179
Private-label CMO	100	—	(7)	93
Other securities/sovereign debt	10	—	—	10
Total available-for-sale securities	$37,779	$25	$(2,598)	$35,206

Held-to-maturity securities:
U.S. Treasury	$2,117	$2	$(8)	$2,111
Federal agencies:
Residential MBS	7,350	—	(964)	6,386
Residential CMO	3,665	—	(548)	3,117
Commercial MBS	1,213	—	(187)	1,026
Other agencies	38	—	(2)	36
Total U.S. Treasury, federal agency, and other agency securities	14,383	2	(1,709)	12,676
Municipal securities	1	—	—	1
Total held-to-maturity securities	$14,384	$2	$(1,709)	$12,677

Other securities, at cost:
Non-marketable equity securities:
FRB stock	$882	$—	$—	$882
FHLB stock	367	—	—	367
Other non-marketable equity securities	61	—	—	61
Other securities, at fair value:
Mutual funds	30	—	—	30
Equity securities	33	10	—	43
Total other securities	$1,373	$10	$—	$1,383

(1)Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Unaudited

Consolidated Balance Sheets. At June 30, 2026, accrued interest receivable on AFS securities and HTM securities totaled $140 million and $42 million,

(2)Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The

basis adjustments totaled $222 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under

the portfolio layer method are primarily Residential CMO and Residential MBS securities.


		Unrealized
(dollar amounts in millions)	Amortized Cost (1)(2)	Gross Gains	Gross Losses	Fair Value
At December 31, 2025
Available-for-sale securities:
U.S. Treasury	$4,590	$45	$—	$4,635
Federal agencies:
Residential MBS	11,031	3	(1,365)	9,669
Residential CMO	5,496	9	(308)	5,197
Commercial MBS	2,488	—	(657)	1,831
Other agencies	153	—	(3)	150
Total U.S. Treasury, federal agency, and other agency securities	23,758	57	(2,333)	21,482
Municipal securities	4,215	9	(81)	4,143
Corporate debt	193	—	(15)	178
Asset-backed securities	229	—	(8)	221
Private-label CMO	105	—	(7)	98
Other securities/sovereign debt	10	—	—	10
Total available-for-sale securities	$28,510	$66	$(2,444)	$26,132

Held-to-maturity securities:
U.S. Treasury	$2,349	$19	$—	$2,368
Federal agencies:
Residential MBS	7,718	1	(941)	6,778
Residential CMO	3,865	5	(520)	3,350
Commercial MBS	1,278	—	(184)	1,094
Other agencies	47	—	(2)	45
Total U.S. Treasury, federal agency, and other agency securities	15,257	25	(1,647)	13,635
Municipal securities	1	—	—	1
Total held-to-maturity securities	$15,258	$25	$(1,647)	$13,636

Other securities, at cost:
Non-marketable equity securities:
FRB stock	$616	$—	$—	$616
FHLB stock	288	—	—	288
Other non-marketable equity securities	48	—	—	48
Other securities, at fair value:
Mutual funds	30	—	—	30
Equity securities	12	—	—	12
Total other securities	$994	$—	$—	$994

(1)Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Unaudited

Consolidated Balance Sheets. At December 31, 2025, accrued interest receivable on AFS securities and HTM securities totaled $106 million and $44 million,

respectively.

(2)Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The

basis adjustments totaled $177 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under

the portfolio layer method are primarily Residential CMO and Residential MBS securities.

The following table provides the amortized cost and fair value of securities by contractual maturity. Expected

maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or

without incurring penalties.


	At June 30, 2026		At December 31, 2025
(dollar amounts in millions)	Amortized Cost	Fair Value	Amortized Cost	Fair Value
Available-for-sale securities:
Under 1 year	$5,114	$5,107	$1,369	$1,365
After 1 year through 5 years	7,140	7,069	5,581	5,595
After 5 years through 10 years	2,222	2,088	1,899	1,784
After 10 years	23,303	20,942	19,661	17,388
Total available-for-sale securities	$37,779	$35,206	$28,510	$26,132

Held-to-maturity securities:
Under 1 year	$551	$552	$603	$604
After 1 year through 5 years	1,587	1,580	1,773	1,791
After 5 years through 10 years	129	119	144	134
After 10 years	12,117	10,426	12,738	11,107
Total held-to-maturity securities	$14,384	$12,677	$15,258	$13,636

The following tables provide detail on investment securities with unrealized losses aggregated by investment

category and the length of time the individual securities have been in a continuous loss position.


	Less than 12 Months		Over 12 Months		Total
(dollar amounts in millions)	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
At June 30, 2026
Available-for-sale securities:
U.S. Treasury	$5,724	$(25)	$—	$—	$5,724	$(25)
Federal agencies:
Residential MBS	2,945	(34)	8,645	(1,391)	11,590	(1,425)
Residential CMO	1,754	(9)	2,335	(331)	4,089	(340)
Commercial MBS	637	(5)	1,767	(661)	2,404	(666)
Other agencies	370	(1)	73	(2)	443	(3)
Total U.S. Treasury, federal agency, and other agency securities	11,430	(74)	12,820	(2,385)	24,250	(2,459)
Municipal securities	1,433	(22)	2,122	(86)	3,555	(108)
Corporate debt	—	—	169	(17)	169	(17)
Asset-backed securities	—	—	176	(7)	176	(7)
Private-label CMO	3	—	70	(7)	73	(7)
Total temporarily impaired available-for-sale securities	$12,866	$(96)	$15,357	$(2,502)	$28,223	$(2,598)

Held-to-maturity securities:
U.S. Treasury	$1,230	$(8)	$—	$—	$1,230	$(8)
Federal agencies:
Residential MBS	73	(1)	6,282	(963)	6,355	(964)
Residential CMO	233	(1)	2,765	(547)	2,998	(548)
Commercial MBS	—	—	1,027	(187)	1,027	(187)
Other agencies	—	—	36	(2)	36	(2)
Total U.S. Treasury, federal agency, and other agency securities	1,536	(10)	10,110	(1,699)	11,646	(1,709)
Municipal securities	—	—	1	—	1	—
Total temporarily impaired held-to-maturity securities	$1,536	$(10)	$10,111	$(1,699)	$11,647	$(1,709)


	Less than 12 Months		Over 12 Months		Total
(dollar amounts in millions)	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
At December 31, 2025
Available-for-sale securities:
U.S. Treasury	$—	$—	$439	$—	$439	$—
Federal agencies:
Residential MBS	55	—	9,185	(1,365)	9,240	(1,365)
Residential CMO	51	—	2,665	(308)	2,716	(308)
Commercial MBS	23	—	1,782	(657)	1,805	(657)
Other agencies	15	—	74	(3)	89	(3)
Total U.S. Treasury, federal agency, and other agency securities	144	—	14,145	(2,333)	14,289	(2,333)
Municipal securities	1,043	(14)	1,892	(67)	2,935	(81)
Corporate debt	2	—	176	(15)	178	(15)
Asset-backed securities	9	—	207	(8)	216	(8)
Private-label CMO	—	—	79	(7)	79	(7)
Total temporarily impaired available-for-sale securities	$1,198	$(14)	$16,499	$(2,430)	$17,697	$(2,444)

Held-to-maturity securities:
U.S. Treasury	$—	$—	$289	$—	$289	$—
Federal agencies:
Residential MBS	—	—	6,694	(941)	6,694	(941)
Residential CMO	48	—	2,956	(520)	3,004	(520)
Commercial MBS	—	—	1,094	(184)	1,094	(184)
Other agencies	—	—	45	(2)	45	(2)
Total U.S. Treasury, federal agency, and other agency securities	48	—	11,078	(1,647)	11,126	(1,647)
Municipal securities	—	—	1	—	1	—
Total temporarily impaired held-to-maturity securities	$48	$—	$11,079	$(1,647)	$11,127	$(1,647)

At June 30, 2026, substantially all HTM debt securities are comprised of securities issued by government-

sponsored entities or are explicitly guaranteed by the U.S. government. In addition, there were no HTM debt

securities considered past due at June 30, 2026. Based on an evaluation of available information as of June 30, 2026,

including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable

forecasts that are relevant to collectability of cash flows, Huntington does not expect to incur credit losses on any

security held in its AFS and HTM debt securities portfolio. There was no allowance related to securities as of June 30,

2026 or December 31, 2025.

The carrying value of investment securities pledged to secure public and trust deposits, trading account

liabilities, U.S. Treasury demand notes, and security repurchase agreements, and to support borrowing capacity,

totaled $37.6 billion at June 30, 2026 and $29.7 billion at December 31, 2025.