HBAN · 10-K filed 13 Feb 2026 · year to 31 Dec 2025

Huntington Bancshares

30 named things its latest annual report says its results depend on, each in the company's own words. 22 of them are also named by other companies we've read.

Read the filing on SEC.gov ↗

Customers

Automobile dealerships

earns from

Indirect consumer loans are originated through deep relationships with dealerships to finance consumer purchases of automobiles, recreational vehicles, marine craft, and powersports.Business (Item 1)

Partners and platforms

Federal Home Loan Bank (FHLB)

depends on

The Bank is also a member of the FHLB, which provides members access to funding through advances collateralized with mortgage-related assets.Risk factors (Item 1A)

Also named by C, CUBI, EFSC, FHN, FITB, FSUN, SF, UNM

Zelle

depends on

We also offer our customers money movement services through payment platforms such as Real-Time Payments (RTP®) and Zelle®.Business (Item 1)

Also named by BAC, FISV, FITB, JKHY, V

Other companies

Goodwill

$6.0 billionnamed as a risk

At December 31, 2025, the book value of our goodwill was $6.0 billion, substantially all of which was recorded at the Bank.Risk factors (Item 1A)

Also named by ES, GBCI, PB, URI, XPO

Cadence Bank

approximately $8.1 billionnamed as a risk

Based on Huntington’s closing price of $17.48 as of January 30, 2026, the consideration is valued at approximately $8.1 billion.Business (Item 1)

Commercial loans

concentrated in · 60% of our loan portfolionamed as a risk

At December 31, 2025, 60% of our loan portfolio was comprised of loans in our commercial loan portfolio, which includes commercial and industrial loans, commercial real estate loans, and lease financing.Risk factors (Item 1A)

Veritex Holdings, Inc.

$1.7 billion

The transaction, which was valued at $1.7 billion, added $12.0 billion in assets, including $9.3 billion in loans, and $10.5 billion in deposits, as of the date of acquisition.Business (Item 1)

Industrial and manufacturing sectors

concentrated innamed as a risk

The markets we serve are dependent on industrial and manufacturing businesses and, thus, are particularly vulnerable to adverse changes in economic conditions affecting these sectors.Risk factors (Item 1A)

Places

Columbus, Ohio

concentrated in · $51,813 million deposits; 44% market share

The table below shows our competitive ranking and market share based on deposits of FDIC-insured institutions as of June 30, 2025, in the top 10 MSAs in which we compete.Business (Item 1)

Also named by COR

Detroit, Michigan

concentrated in · $17,378 million deposits

The table below shows our competitive ranking and market share based on deposits of FDIC-insured institutions as of June 30, 2025, in the top 10 MSAs in which we compete.Business (Item 1)

Cleveland, Ohio

concentrated in · $15,900 million deposits

The table below shows our competitive ranking and market share based on deposits of FDIC-insured institutions as of June 30, 2025, in the top 10 MSAs in which we compete.Business (Item 1)

Commodities and inputs

Mortgage servicing rights

exposed to its pricenamed as a risk

MSR fair values are sensitive to movements in interest rates, as expected future net servicing income depends on the projected outstanding principal balances of the underlying loans, which can be reduced by prepayments.Risk factors (Item 1A)

Also named by FITB, FSUN, JPM, NLY, RKT, SSB

U.S. Treasury securities

exposed to its pricenamed as a risk

A U.S. government debt default would have a material adverse impact on our business and financial performance, including a decrease in the value of Treasury bonds and other government securities held by us, which could negatively impact Huntington’s and the Bank’s capital positions and their ability to meet regulatory requirements.Risk factors (Item 1A)

Also named by BGC, BPOP, CME, GS, ICE

Regulators

Consumer Financial Protection Bureau (CFPB)

subject tonamed as a risk

Under the supervision of the CFPB, our consumer and business banking products and services are subject to heightened regulatory oversight and scrutiny with respect to compliance with consumer laws and regulations.Risk factors (Item 1A)

Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more

Federal Reserve

subject tonamed as a risk

Huntington is subject to primary supervision, regulation, and examination by the Federal Reserve, which serves as the primary regulator of our consolidated organization.Business (Item 1)

Also named by AGNC, AUB, AXP, BAC, CASH, COF, DX, EFSC and 24 more

Office of the Comptroller of the Currency (OCC)

subject tonamed as a risk

The Bank is subject to comprehensive primary supervision, regulation, and examination by the OCC.Business (Item 1)

Also named by ADP, AMP, AXP, BAC, BLK, C, CASH, CFG and 22 more

FDIC

subject tonamed as a risk

The FDIC may increase the Bank’s insurance premiums based on various factors, including the FDIC’s assessment of its risk profile.Business (Item 1)

Also named by ALLY, EFSC, PFG

OFAC

subject tonamed as a risk

There is also increased scrutiny of compliance with the rules enforced by the OFAC.Risk factors (Item 1A)

Also named by CPAY

Laws and programs

FDIC special assessment

subject to · 3.36 basis pointsnamed as a risk

On December 16, 2025, the FDIC issued an interim final rule providing that the FDIC will collect the special assessment over an initial seven quarters of the collection period, which began in the second quarter of 2024, at a quarterly rate of 3.36 basis points, and reduce the rate which the special assessment will be collected in the eighth collection quarter, which will have an invoice payment date of March 30, 2026, to 2.97 basis points.Business (Item 1)

Also named by BPOP, CFG, CFR, CUBI, EFSC, EWBC, FCNCA, GBCI and 10 more

Long-term debt requirement proposal

subject to · 6% of total risk-weighted assetsnamed as a risk

If adopted, this proposal would require Huntington and the Bank to each maintain a minimum outstanding eligible long-term debt amount of no less than the greater of (i) 6% of total risk-weighted assets, (ii) 2.5% of total leverage exposure (if subject to the supplementary leverage ratio), or (iii) 3.5% of average total consolidated assets.Business (Item 1)

Also named by ALLY, CFG, KEY, MTB, RF, USB

Stress capital buffer (SCB)

subject to · 2.5%named as a risk

Huntington and the Bank are subject to a SCB of 2.5%.Business (Item 1)

Also named by RF, STT, TFC, USB

Regulation II (Durbin debit interchange cap)

subject to · 21 cents plus 0.05% of the transactionnamed as a risk

Interchange fees for electronic debit transactions are limited to 21 cents plus 0.05% of the transaction, plus an additional one cent per transaction fraud adjustment.Business (Item 1)

Also named by MA, SSB, TFC

Category III banking organization standards (Regulation YY)

subject to · $250 billionnamed as a risk

Huntington’s acquisition of Cadence results in Huntington’s total consolidated assets exceeding $250 billion at closing and is expected to cause Huntington’s total average consolidated assets to exceed $250 billion in the fourth quarter of 2026, causing Huntington and the Bank to become subject to the standards applicable to Category III banking organizations, following a transition period.Business (Item 1)

U.S. tariffs

named as a risk

Our performance could be negatively affected to the extent there is deterioration in business and economic conditions, including persistent inflation, rising interest rates, supply chain issues, labor shortages, or changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, which have direct or indirect material adverse impacts on us, our customers, and our counterparties.Risk factors (Item 1A)

Also named by A, AAPL, ACHR, ADI, AEHR, AEP, AIOT, AKAM and 170 more

Community Reinvestment Act

subject tonamed as a risk

An unsatisfactory CRA record could substantially delay or result in the denial of an approval or application by Huntington or the Bank.Business (Item 1)

Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, EWBC, FCNCA and 20 more

Bank Secrecy Act

subject tonamed as a risk

Noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations could cause us material financial loss.Risk factors (Item 1A)

Also named by AUB, BAC, CASH, CPAY, CUBI, EFSC, EWBC, EZPW and 10 more

Basel III Endgame Proposal

subject tonamed as a risk

For example, proposed changes to applicable capital and liquidity requirements, such as the Basel III Endgame Proposal and the long-term debt proposal, could result in increased expenses or cost of funding, which could negatively affect our financial results or our ability to pay dividends and engage in share repurchases.Risk factors (Item 1A)

Also named by ALLY, CFG, NTRS, PNC, RF, STT

Comprehensive Capital Analysis and Review (CCAR)

subject tonamed as a risk

There can be no assurance that the Federal Reserve or OCC will respond favorably to our capital plans, planned capital actions, or stress test results, and the Federal Reserve, OCC, or other regulatory capital requirements may limit or otherwise restrict how we utilize our capital, including common stock dividends and stock repurchases.Risk factors (Item 1A)

Also named by BAC, JPM, SCHW, TFC, USB

Volcker Rule

subject to

The Volcker Rule regulations impose significant compliance and reporting obligations on banking entities, such as Huntington.Business (Item 1)

Also named by AMP, BAC, GS, MS, NTRS, PNC, RJF, SCHW and 5 more

OCC heightened standards

subject to

On December 23, 2025, the OCC issued a notice of proposed rulemaking that would increase the threshold at which the heightened standards apply from $50 billion to $700 billion in total assets.Business (Item 1)

Also named by PNC