LOANS AND LEASES (Tables)

6 Months Ended

Jun. 30, 2026

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


(dollar amounts in millions)	At June 30, 2026	At December 31, 2025
Commercial loan and lease portfolio:
Commercial and industrial	$91,378	$69,442
Commercial real estate	23,457	15,209
Lease financing	5,714	5,727
Total commercial loan and lease portfolio	120,549	90,378
Consumer loan portfolio:
Residential mortgage	33,221	24,777
Automobile	15,460	16,168
Home equity	11,884	10,395
RV and marine	5,706	5,682
Other consumer	2,602	2,242
Total consumer loan portfolio	68,873	59,264
Total loans and leases (1)(2)	189,422	149,642
Allowance for loan and lease losses	(3,249)	(2,537)
Net loans and leases	$186,173	$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 June 30, 2026 and December 31, 2025, respectively.

(2)The total amount of accrued interest recorded for loans and leases at June 30, 2026 was $528 million and $298 million of commercial and consumer loan

and lease portfolios, respectively, and at December 31, 2025 was $358 million and $253 million of commercial and consumer loan and lease portfolios,

respectively. 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 June 30, 2026	At December 31, 2025
Lease payments receivable	$5,319	$5,379
Estimated residual value of leased assets	1,034	1,011
Gross investment in lease financing receivables	6,353	6,390
Deferred origination costs	60	58
Deferred fees, unearned income, and other	(699)	(721)
Total lease financing receivables	$5,714	$5,727

NALs and Past Due Loans

The following table presents NALs by loan class.


	At June 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	$196	$986	$76	$562
Commercial real estate	27	243	81	133
Lease financing	2	8	4	8
Residential mortgage	4	223	5	107
Automobile	—	7	—	6
Home equity	—	120	—	113
RV and marine	—	2	—	2
Total nonaccrual loans and leases	$229	$1,589	$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 June 30, 2026
Commercial and industrial	$257	$99	$623	$979	$90,399	$—	$91,378	$2	(2)
Commercial real estate	123	22	167	312	23,145	—	23,457	—
Lease financing	31	9	8	48	5,666	—	5,714	6
Residential mortgage	454	156	559	1,169	31,888	164	33,221	391	(3)
Automobile	124	34	16	174	15,286	—	15,460	12
Home equity	92	42	106	240	11,644	—	11,884	24
RV and marine	20	10	4	34	5,672	—	5,706	3
Other consumer	22	9	5	36	2,566	—	2,602	5
Total loans and leases	$1,123	$381	$1,488	$2,992	$186,266	$164	$189,422	$443
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 June 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	$14,429	$17,461	$9,093	$5,246	$4,815	$5,585	$30,359	$12	$87,000
OLEM	120	207	142	86	69	66	303	—	993
Substandard	395	481	606	434	332	381	756	—	3,385
Total Commercial and industrial	$14,944	$18,149	$9,841	$5,766	$5,216	$6,032	$31,418	$12	$91,378
Commercial real estate
Credit Quality Indicator:
Pass	$2,516	$5,939	$2,859	$1,296	$2,834	$4,317	$1,242	$—	$21,003
OLEM	189	177	60	39	279	178	1	—	923
Substandard	290	268	113	141	358	356	5	—	1,531
Total Commercial real estate	$2,995	$6,384	$3,032	$1,476	$3,471	$4,851	$1,248	$—	$23,457
Lease financing
Credit Quality Indicator:
Pass	$805	$1,900	$1,398	$940	$266	$369	$—	$—	$5,678
OLEM	—	—	2	—	—	—	—	—	2
Substandard	—	2	6	7	5	14	—	—	34
Total Lease financing	$805	$1,902	$1,406	$947	$271	$383	$—	$—	$5,714
Residential mortgage
Credit Quality Indicator:
750+	$1,499	$2,818	$2,350	$2,518	$4,291	$11,405	$21	$—	$24,902
650-749	580	1,007	759	669	1,147	2,609	—	—	6,771
<650	31	110	124	110	178	831	—	—	1,384
Total Residential mortgage	$2,110	$3,935	$3,233	$3,297	$5,616	$14,845	$21	$—	$33,057
Automobile
Credit Quality Indicator:
750+	$1,689	$3,175	$2,156	$781	$522	$283	$—	$—	$8,606
650-749	1,020	2,355	1,185	395	251	137	—	—	5,343
<650	134	581	379	180	137	100	—	—	1,511
Total Automobile	$2,843	$6,111	$3,720	$1,356	$910	$520	$—	$—	$15,460
Home equity
Credit Quality Indicator:
750+	$78	$195	$159	$236	$321	$867	$5,838	$234	$7,928
650-749	24	49	45	61	52	138	2,655	209	3,233
<650	—	2	8	14	12	44	498	145	723
Total Home equity	$102	$246	$212	$311	$385	$1,049	$8,991	$588	$11,884
RV and marine
Credit Quality Indicator:
750+	$547	$609	$632	$620	$603	$1,320	$—	$—	$4,331
650-749	120	166	173	191	152	378	—	—	1,180
<650	1	8	22	33	29	102	—	—	195
Total RV and marine	$668	$783	$827	$844	$784	$1,800	$—	$—	$5,706
Other consumer
Credit Quality Indicator:
750+	$249	$303	$149	$46	$22	$62	$676	$2	$1,509
650-749	103	159	74	25	8	15	539	10	933
<650	6	23	17	8	5	6	78	17	160
Total Other consumer	$358	$485	$240	$79	$35	$83	$1,293	$29	$2,602


	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 June 30, 2026
Commercial and industrial	$3	$6	$7	$10	$9	$36	$37	$1	$109
Commercial real estate	—	—	—	1	3	1	1	—	6
Lease financing	—	—	—	—	1	—	—	—	1
Residential mortgage	—	1	1	—	1	—	—	—	3
Automobile	—	10	6	3	2	1	—	—	22
Home equity	—	—	—	—	—	—	1	2	3
RV and marine	—	1	1	2	2	4	—	—	10
Other consumer	5	8	4	2	2	4	—	12	37
Total	$8	$26	$19	$18	$20	$46	$39	$15	$191
Six months ended June 30, 2026
Commercial and industrial	$4	$18	$13	$17	$11	$85	$52	$1	$201
Commercial real estate	—	—	—	1	4	5	1	—	11
Lease financing	—	—	—	—	1	1	—	—	2
Residential mortgage	—	1	1	—	1	1	—	—	4
Automobile	—	19	12	7	5	4	—	—	47
Home equity	—	—	—	—	—	—	1	3	4
RV and marine	—	1	2	4	3	9	—	—	19
Other consumer	6	17	10	5	3	8	2	25	76
Total	$10	$56	$38	$34	$28	$113	$56	$29	$364

	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 June 30, 2025
Commercial and industrial	$2	$5	$16	$10	$2	$4	$9	$1	$49
Commercial real estate	2	—	—	—	—	—	1	—	3
Lease financing	—	—	—	1	1	2	—	—	4
Residential mortgage	—	—	—	—	—	1	—	—	1
Automobile	—	5	4	3	3	1	—	—	16
Home equity	—	—	—	—	—	—	—	1	1
RV and marine	—	1	2	2	1	3	—	—	9
Other consumer	3	5	4	2	1	3	—	10	28
Total	$7	$16	$26	$18	$8	$14	$10	$12	$111
Six months ended June 30, 2025
Commercial and industrial	$2	$11	$24	$43	$5	$13	$18	$2	$118
Commercial real estate	2	—	—	—	1	—	1	—	4
Lease financing	—	1	1	3	1	2	—	—	8
Residential mortgage	—	—	—	—	—	2	—	—	2
Automobile	—	10	9	9	6	2	—	—	36
Home equity	—	—	—	—	—	—	1	2	3
RV and marine	—	1	4	3	3	7	—	—	18
Other consumer	4	11	9	4	2	6	—	19	55
Total	$8	$34	$47	$62	$18	$32	$20	$23	$244

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 June 30, 2026
Commercial and industrial	$42	$152	$—	$35	$229	0.25%
Commercial real estate	6	259	—	2	267	1.14
Residential mortgage	—	19	4	3	26	0.08
Automobile	—	4	—	—	4	0.03
Home equity	—	2	—	2	4	0.03
Other consumer	1	—	—	—	1	0.04
Total loans to borrowers experiencing financial difficulty to which modifications were made	$49	$436	$4	$42	$531	0.28%
Three months ended June 30, 2025
Commercial and industrial	$44	$158	$—	$1	$203	0.33%
Commercial real estate	—	69	—	—	69	0.64
Residential mortgage	—	12	3	2	17	0.07
Automobile	—	1	—	—	1	0.01
Home equity	—	2	—	2	4	0.04
Total loans to borrowers experiencing financial difficulty to which modifications were made	$44	$242	$3	$5	$294	0.22%
Six months ended June 30, 2026
Commercial and industrial	$67	$212	$—	$90	$369	0.40%
Commercial real estate	6	299	—	2	307	1.31
Residential mortgage	—	23	5	3	31	0.09
Automobile	—	7	—	1	8	0.05
Home equity	—	4	—	3	7	0.06
Other consumer	1	—	—	—	1	0.04
Total loans to borrowers experiencing financial difficulty in which modifications were made	$74	$545	$5	$99	$723	0.38%
Six months ended June 30, 2025
Commercial and industrial	$91	$289	$—	$5	$385	0.63%
Commercial real estate	—	140	—	—	140	1.31
Residential mortgage	—	24	11	3	38	0.15
Automobile	—	3	—	—	3	0.02
Home equity	—	4	—	4	8	0.08
Other consumer	1	—	—	—	1	0.05
Total loans to borrowers experiencing financial difficulty in which modifications were made	$92	$460	$11	$12	$575	0.43%

(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 June 30, 2026
Commercial and industrial	8.06%	7.00%	0.8
Commercial real estate			0.9
Residential mortgage			7.1
Three months ended June 30, 2025
Commercial and industrial	8.80%	6.38%	0.6
Commercial real estate			0.8
Residential mortgage			7.1
Six months ended June 30, 2026
Commercial and industrial	9.31%	7.14%	0.9
Commercial real estate			0.9
Residential mortgage			7.2
Six months ended June 30, 2025
Commercial and industrial	8.32%	7.00%	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.

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 June 30, 2026
Commercial and industrial	$8	$39	$15	$62	$394	$456
Commercial real estate	7	2	34	43	319	362
Residential mortgage	7	5	10	22	25	47
Automobile	2	—	—	2	11	13
Home equity	1	1	3	5	10	15
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 June 30, 2026	$25	$47	$62	$134	$761	$895
At June 30, 2025
Commercial and industrial	$2	$1	$5	$8	$534	$542
Commercial real estate	—	—	23	23	211	234
Residential mortgage	11	6	17	34	35	69
Automobile	1	—	—	1	7	8
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 June 30, 2025	$15	$8	$46	$69	$802	$871