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LOANS AND LEASES (Tables)
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Schedule of Financing Receivable Portfolio Segments
The following table provides a detailed listing of Huntington’s loan and lease portfolio.
At December 31,
(dollar amounts in millions)20252024
Commercial loan and lease portfolio:
Commercial and industrial$69,442 $56,809 
Commercial real estate15,209 11,078 
Lease financing5,727 5,454 
Total commercial loan and lease portfolio90,378 73,341 
Consumer loan portfolio:
Residential mortgage24,777 24,242 
Automobile16,168 14,564 
Home equity10,395 10,142 
RV and marine
5,682 5,982 
Other consumer2,242 1,771 
Total consumer loan portfolio59,264 56,701 
Total loans and leases (1)(2)149,642 130,042 
Allowance for loan and lease losses(2,537)(2,244)
Net loans and leases$147,105 $127,798 
(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 $815 million and $468 million at December 31, 2025 and 2024, respectively.
(2)The total amount of accrued interest recorded for loans and leases at December 31, 2025 was $358 million and $253 million of commercial and consumer loan and lease portfolios, respectively and at December 31, 2024, was $316 million and $235 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Condensed Consolidated Balance Sheets.
Lease Financing Receivables
The following table presents net investments in lease financing receivables by category.
 
At December 31,
(dollar amounts in millions)20252024
Lease payments receivable$5,379 $5,189 
Estimated residual value of leased assets1,011 884 
Gross investment in lease financing receivables6,390 6,073 
Deferred origination costs58 56 
Deferred fees, unearned income and other(721)(675)
Total lease financing receivables$5,727 $5,454 
Nonaccrual Loans by Loan Class
The following table presents NALs by loan class. 
At December 31, 2025At December 31, 2024
(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$76 $562 $71 $457 
Commercial real estate81 133 75 118 
Lease financing4 8 — 10 
Residential mortgage5 107 — 83 
Automobile— 6 — 6 
Home Equity— 113 — 107 
RV and marine
— 2 — 2 
Total nonaccrual loans and leases$166 $931 $146 $783 
Aging Analysis of Loans and Leases
The following table presents an aging analysis of loans and leases, by class.
Past Due (1) Loans Accounted for Under FVOTotal 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		TotalCurrent
At December 31, 2025
Commercial and industrial$144 $78 $332 $554 $68,888 $— $69,442 $1 
(2)
Commercial real estate31 2 101 134 15,075 — 15,209 — 
Lease financing30 32 10 72 5,655 — 5,727 9 
Residential mortgage239 100 305 644 23,966 167 24,777 232 
(3)
Automobile132 33 18 183 15,985 — 16,168 14 
Home equity60 30 89 179 10,216 — 10,395 16 
RV and marine25 10 5 40 5,642 — 5,682 4 
Other consumer18 6 7 31 2,211 — 2,242 6 
Total loans and leases$679 $291 $867 $1,837 $147,638 $167 $149,642 $282 
At December 31, 2024
Commercial and industrial$96 $46 $232 $374 $56,435 $— $56,809 $3 (2)
Commercial real estate35 — 39 74 11,004 — 11,078 — 
Lease financing56 23 14 93 5,361 — 5,454 11 
Residential mortgage196 98 242 536 23,533 173 24,242 185 (3)
Automobile117 27 16 160 14,404 — 14,564 12 
Home equity64 32 92 188 9,954 — 10,142 20 
RV and marine26 7 5 38 5,944 — 5,982 4 
Other consumer13 5 4 22 1,749 — 1,771 4 
Total loans and leases$603 $238 $644 $1,485 $128,384 $173 $130,042 $239 
(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 December 31, 2025
Term Loans Amortized Cost Basis by Origination YearRevolver Total at Amortized Cost BasisRevolver Total Converted to Term Loans
(dollar amounts in millions)20252024202320222021PriorTotal
Commercial and industrial
Credit Quality Indicator:
Pass$19,465 $8,750 $4,561 $4,189 $1,601 $2,181 $25,228 $7 $65,982 
OLEM222 226 92 106 14 17 272 — 949 
Substandard513 406 326 285 137 127 717 — 2,511 
Doubtful— — — — — — — — — 
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 
OLEM58 47 89 398 275 108 — — 975 
Substandard178 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 
Substandard3 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 
650-749638 441 397 638 727 1,076 — — 3,917 
<65088 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 
650-7492,879 1,576 544 369 199 53 — — 5,620 
<650523 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 
650-74956 51 72 62 43 102 2,100 217 2,703 
<6503 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 
650-749172 204 209 164 164 264 — — 1,177 
<6505 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 
650-749172 87 29 9 3 10 485 4 799 
<65014 15 8 4 1 2 66 8 118 
Total Other consumer$574 $278 $89 $38 $15 $57 $1,170 $21 $2,242 
At December 31, 2024
Term Loans Amortized Cost Basis by Origination YearRevolver Total at Amortized Cost BasisRevolver Total Converted to Term Loans
(dollar amounts in millions)20242023202220212020PriorTotal
Commercial and industrial
Credit Quality Indicator:
Pass$16,097 $7,939 $6,587 $2,747 $1,708 $1,846 $16,790 $4 $53,718 
OLEM124 80 82 24 7 23 273 — 613 
Substandard445 385 440 209 107 164 690 — 2,440 
Doubtful— — 2 — — — 36 — 38 
Total Commercial and industrial$16,666 $8,404 $7,111 $2,980 $1,822 $2,033 $17,789 $4 $56,809 
Commercial real estate
Credit Quality Indicator:
Pass$1,415 $1,010 $2,754 $1,380 $947 $1,877 $635 $— $10,018 
OLEM— 78 114 66 2 64 4 — 328 
Substandard218 37 280 52 10 124 11 — 732 
Total Commercial real estate$1,633 $1,125 $3,148 $1,498 $959 $2,065 $650 $— $11,078 
Lease financing
Credit Quality Indicator:
Pass$2,100 $1,610 $709 $449 $349 $184 $— $— $5,401 
OLEM7 2 2 1 1 — — — 13 
Substandard1 6 23 2 7 1 — — 40 
Total Lease financing$2,108 $1,618 $734 $452 $357 $185 $— $— $5,454 
Residential mortgage
Credit Quality Indicator:
750+$1,725 $2,249 $3,913 $5,617 $3,011 $2,525 $— $— $19,040 
650-749768 542 748 781 423 791 — — 4,053 
<65055 64 111 110 68 568 — — 976 
Total Residential mortgage$2,548 $2,855 $4,772 $6,508 $3,502 $3,884 $— $— $24,069 
Automobile
Credit Quality Indicator:
750+$4,091 $1,663 $1,343 $920 $347 $113 $— $— $8,477 
650-7492,560 981 716 459 159 56 — — 4,931 
<650336 250 252 205 76 37 — — 1,156 
Total Automobile$6,987 $2,894 $2,311 $1,584 $582 $206 $— $— $14,564 
Home equity
Credit Quality Indicator:
750+$214 $323 $378 $445 $466 $195 $4,581 $226 $6,828 
650-74970 92 74 50 44 78 2,051 214 2,673 
<6502 8 11 6 4 40 431 139 641 
Total Home equity$286 $423 $463 $501 $514 $313 $7,063 $579 $10,142 
RV and marine
Credit Quality Indicator:
750+$928 $909 $816 $718 $476 $704 $— $— $4,551 
650-749247 268 201 198 123 226 — — 1,263 
<6507 23 24 35 23 56 — — 168 
Total RV and marine
$1,182 $1,200 $1,041 $951 $622 $986 $— $— $5,982 
Other consumer
Credit Quality Indicator:
750+$321 $97 $48 $22 $10 $49 $467 $— $1,014 
650-749148 55 21 8 2 9 423 7 673 
<6509 10 5 2 1 1 48 8 84 
Total Other consumer$478 $162 $74 $32 $13 $59 $938 $15 $1,771 
Detailed Loan Modification Information by Class
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)20252024202320222021PriorTotal
Year Ended December 31, 2025
Commercial and industrial$7 $26 $69 $62 $12 $20 $33 $7 $236 
Commercial real estate2 8 13 1 — 16 1 — 41 
Lease financing
— 1 2 4 2 2 — — 11 
Residential mortgage— — — — — 4 — — 4 
Automobile8 22 17 16 10 4 — — 77 
Home equity— — — — — — 2 4 6 
RV and marine
— 3 7 5 6 12 — — 33 
Other consumer14 24 16 7 4 13 — 40 118 
Total $31 $84 $124 $95 $34 $71 $36 $51 $526 
Term Loans Gross Charge-offs by Origination Year
Revolver Gross Charge-offs
Revolver Converted to Term Loans Gross Charge-offs
(dollar amounts in millions)20242023202220212020PriorTotal
Year Ended December 31, 2024
Commercial and industrial$4 $26 $74 $38 $14 $19 $47 $3 $225 
Commercial real estate
12 4 31 3 — 25 4 — 79 
Lease financing
2 2 — 2 — 1 — — 7 
Residential mortgage
— — — — — 3 — — 3 
Automobile
5 18 17 14 5 4 — — 63 
Home equity
— — — — — 1 1 4 6 
RV and marine
1 4 5 7 4 10 — — 31 
Other consumer14 25 15 7 3 16 — 37 117 
Total $38 $79 $142 $71 $26 $79 $52 $44 $531 
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 reductionTerm extensionPayment deferralCombo - interest rate reduction and term extensionTotal% of total loan class (1)
Year Ended December 31, 2025
Commercial and industrial$77 $294 $1 $5 $377 0.54 %
Commercial real estate28 203 7 1 239 1.57 
Residential mortgage— 54 19 5 78 0.31 
Automobile— 10 — 1 11 0.07 
Home equity— 9 — 8 17 0.16 
RV and marine— 1 — — 1 0.02 
Other consumer1 — — — 1 0.04 
Total loans to borrowers experiencing financial difficulty in which modifications were made$106 $571 $27 $20 $724 0.48 %
Year Ended December 31, 2024
Commercial and industrial$113 $209 $— $64 $386 0.68 %
Commercial real estate— 233 — 24 257 2.32 
Residential mortgage— 51 6 4 61 0.25 
Automobile— 11 — 1 12 0.08 
Home equity— 6 — 9 15 0.15 
RV and marine— 1 — — 1 0.02 
Other consumer2 — — — 2 0.11 
Total loans to borrowers experiencing financial difficulty in which modifications were made$115 $511 $6 $102 $734 0.59 %
Year Ended December 31, 2023
Commercial and industrial$64 $387 $— $4 $455 0.90 %
Commercial real estate2 151 — 4 157 1.26 
Residential mortgage— 58 2 4 64 0.27 
Automobile— 14 — 1 15 0.12 
Home equity— 2 — 10 12 0.12 
RV and marine— 1 — — 1 0.02 
Other consumer1 — — — 1 0.07 
Total loans to borrowers experiencing financial difficulty in which modifications were made$67 $613 $2 $23 $705 0.58 %
(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 rateWeighted-average years added to the life
FromTo
Year Ended December 31, 2025
Commercial and industrial8.52 %7.11 %1.1
Commercial real estate8.02 6.99 0.9
Residential mortgage6.3
Year Ended December 31, 2024
Commercial and industrial8.16 %7.12 %1.0
Commercial real estate8.26 7.90 0.9
Residential mortgage6.8
Year Ended December 31, 2023
Commercial and industrial
8.62 %8.05 %1.0
Commercial real estate
13.42 8.75 1.0
Residential mortgage
7.7
(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		TotalCurrentTotal
At December 31, 2025
Commercial and industrial$8 $11 $32 $51 $326 $377 
Commercial real estate5 — — 5 234 239 
Residential mortgage14 8 20 42 36 78 
Automobile1 — — 1 10 11 
Home equity1 1 2 4 13 17 
RV and marine— — — — 1 1 
Other consumer— — — — 1 1 
Total loans to borrowers experiencing financial difficulty in which modifications were made in the year ended December 31, 2025
$29 $20 $54 $103 $621 $724 
At December 31, 2024
Commercial and industrial$6 $3 $4 $13 $373 $386 
Commercial real estate12 — 13 25 232 257 
Residential mortgage11 7 15 33 28 61 
Automobile1 1 — 2 10 12 
Home equity1 1 3 5 10 15 
RV and marine— — — — 1 1 
Other consumer— — — — 2 2 
Total loans to borrowers experiencing financial difficulty in which modifications were made in the year ended December 31, 2024
$31 $12 $35 $78 $656 $734 
At December 31, 2023
Commercial and industrial$21 $25 $7 $53 $402 $455 
Commercial real estate— — 5 5 152 157 
Residential mortgage9 8 11 28 36 64 
Automobile2 1 — 3 12 15 
Home equity1 1 1 3 9 12 
RV and marine— — — — 1 1 
Other consumer— — — — 1 1 
Total loans to borrowers experiencing financial difficulty in which modifications were made in the year ended December 31, 2023
$33 $35 $24 $92 $613 $705