HUNTINGTON BANCSHARES INC

Huntington Bancshares Incorporated (NASDAQ: HBAN) operates as a multi-state diversified regional bank holding company headquartered in Columbus, Ohio, with its website at www.huntington.com. The company traces its banking heritage to 1866 and has been organized as a bank holding company since 1966. Through its principal subsidiary, The Huntington National Bank, the company provides comprehensive financial services across 14 states through more than 1,000 branches as of December 31, 2025. Following the completion of its acquisition of Cadence Bank on February 1, 2026, Huntington operates nearly 1,400 branches across 21 states.

Huntington's business comprises two primary segments: Consumer & Regional Banking and Commercial Banking. The Consumer & Regional Banking segment delivers deposit products, lending services, payments, mortgage banking, dealer financing, investment management, trust, brokerage, and insurance products to consumer and business customers through regional banking channels and national specialty finance operations. This segment includes consumer finance operations providing direct and indirect consumer loans, regional banking services for small to mid-sized businesses, branch banking through its extensive network, and wealth management services. The Commercial Banking segment serves mid-market to large corporate customers with comprehensive banking solutions including middle market banking, corporate and specialty banking, asset finance, commercial real estate banking, capital markets, and national settlements services.

The company emphasizes its "Fair Play" banking philosophy, offering customer-friendly products and services including features such as 24-Hour Grace, Asterisk-Free Checking, Money Scout, and the $50 Safety Zone. Huntington competes with traditional banks, credit unions, finance companies, and increasingly with financial technology companies across its markets.

In October 2025, Huntington completed the acquisition of Veritex Holdings, Inc., adding $12.0 billion in assets and $10.5 billion in deposits. The company is classified as a Category IV banking organization subject to enhanced prudential standards applicable to institutions with $100 billion or more in total consolidated assets. Following the Cadence acquisition, Huntington is expected to become a Category III banking organization with total consolidated assets exceeding $250 billion.