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SEGMENT REPORTING
 6 Months Ended
Jun. 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 June 30, 2026
Net interest income (loss)
$1,458
$719
$(125)
$2,052
Provision for credit losses
44
87
1
132
Net interest income (loss) after provision for credit losses
1,414
632
(126)
1,920
Noninterest income
457
275
53
785
Noninterest expense:
Direct personnel costs
416
200
394
1,010
Other noninterest expense, including corporate allocations
741
244
(186)
799
Total noninterest expense
1,157
444
208
1,809
Income (loss) before income taxes
714
463
(281)
896
Provision (benefit) for income taxes
150
97
(82)
165
Income attributable to non-controlling interest
—
4
—
4
Net income (loss) attributable to Huntington
$564
$362
$(199)
$727
Three months ended June 30, 2025
Net interest income (loss)
$1,014
$513
$(60)
$1,467
Provision (benefit) for credit losses
138
(35)
—
103
Net interest income (loss) after provision for credit losses
876
548
(60)
1,364
Noninterest income
339
177
(45)
471
Noninterest expense:
Direct personnel costs
305
149
268
722
Other noninterest expense, including corporate allocations
535
168
(228)
475
Total noninterest expense
840
317
40
1,197
Income (loss) before income taxes
375
408
(145)
638
Provision (benefit) for income taxes
78
86
(68)
96
Income attributable to non-controlling interest
—
6
—
6
Net income (loss) attributable to Huntington
$297
$316
$(77)
$536
Consumer &
Regional Banking
Commercial
Banking
Treasury / Other
Huntington
Consolidated
(dollar amounts in millions)
Six months ended June 30, 2026
Net interest income (loss)
$2,823
$1,359
$(239)
$3,943
Provision for credit losses
164
125
1
290
Net interest income (loss) after provision for credit losses
2,659
1,234
(240)
3,653
Noninterest income
844
527
96
1,467
Noninterest expense:
Direct personnel costs
789
393
820
2,002
Other noninterest expense, including corporate allocations
1,435
462
(316)
1,581
Total noninterest expense
2,224
855
504
3,583
Income (loss) before income taxes
1,279
906
(648)
1,537
Provision (benefit) for income taxes
269
190
(180)
279
Income attributable to non-controlling interest
—
8
—
8
Net income (loss) attributable to Huntington
$1,010
$708
$(468)
$1,250
Six months ended June 30, 2025
Net interest income (loss)
$1,957
$1,026
$(90)
$2,893
Provision for credit losses
185
33
—
218
Net interest income (loss) after provision for credit losses
1,772
993
(90)
2,675
Noninterest income
666
339
(40)
965
Noninterest expense:
Direct personnel costs
599
288
506
1,393
Other noninterest expense, including corporate allocations
1,060
332
(436)
956
Total noninterest expense
1,659
620
70
2,349
Income (loss) before income taxes
779
712
(200)
1,291
Provision (benefit) for income taxes
163
150
(95)
218
Income attributable to non-controlling interest
—
10
—
10
Net income (loss) attributable to Huntington
$616
$552
$(105)
$1,063
Assets
Deposits
(dollar amounts in millions)
At June 30, 2026
At December 31,
2025
At June 30, 2026
At December 31,
2025
Consumer & Regional Banking
$116,050
$87,307
$150,687
$117,188
Commercial Banking
98,134
79,798
62,713
50,657
Treasury / Other
69,800
58,001
9,066
8,765
Total
$283,984
$225,106
$222,466
$176,610