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SEGMENT REPORTING | 9 Months Ended
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Sep. 30, 2025
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 and other unallocated assets, liabilities, revenue, and expense. For a description of our business segments, see Note 24 - “Segment Reporting” to the Consolidated Financial Statements appearing in Huntington’s 2024 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 September 30, 2025 |  |  |  |  |  |  |
Net interest income (loss) | $ | 1,061 |  |  | $ | 538 |  |  | $ | (93) |  |  | $ | 1,506 |
Provision for credit losses | 121 |  |  | 1 |  |  | — |  |  | 122 |
Net interest income (loss) after provision (benefit) for credit losses | 940 |  |  | 537 |  |  | (93) |  |  | 1,384 |
Noninterest income | 393 |  |  | 218 |  |  | 17 |  |  | 628 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 308 |  |  | 152 |  |  | 297 |  |  | 757 |
Other noninterest expense, including corporate allocations | 541 |  |  | 167 |  |  | (219) |  |  | 489 |
Total noninterest expense | 849 |  |  | 319 |  |  | 78 |  |  | 1,246 |
Income (loss) before income taxes | 484 |  |  | 436 |  |  | (154) |  |  | 766 |
Provision (benefit) for income taxes | 102 |  |  | 91 |  |  | (60) |  |  | 133 |
Income attributable to non-controlling interest | — |  |  | 4 |  |  | — |  |  | 4 |
Net income (loss) attributable to Huntington | $ | 382 |  |  | $ | 341 |  |  | $ | (94) |  |  | $ | 629 |
Three months ended September 30, 2024 |  |  |  |  |  |  |
Net interest income (loss) | $ | 1,050 |  |  | $ | 529 |  |  | $ | (228) |  |  | $ | 1,351 |
Provision for credit losses | 105 |  |  | 1 |  |  | — |  |  | 106 |
Net interest income (loss) after provision for credit losses | 945 |  |  | 528 |  |  | (228) |  |  | 1,245 |
Noninterest income | 338 |  |  | 181 |  |  | 4 |  |  | 523 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 287 |  |  | 144 |  |  | 253 |  |  | 684 |
Other noninterest expense, including corporate allocations | 512 |  |  | 145 |  |  | (211) |  |  | 446 |
Total noninterest expense | 799 |  |  | 289 |  |  | 42 |  |  | 1,130 |
Income (loss) before income taxes | 484 |  |  | 420 |  |  | (266) |  |  | 638 |
Provision (benefit) for income taxes | 102 |  |  | 88 |  |  | (74) |  |  | 116 |
Income attributable to non-controlling interest | — |  |  | 5 |  |  | — |  |  | 5 |
Net income (loss) attributable to Huntington | $ | 382 |  |  | $ | 327 |  |  | $ | (192) |  |  | $ | 517 |
| Consumer & Regional Banking |  | Commercial Banking |  | Treasury / Other |  | Huntington Consolidated
(dollar amounts in millions) |  |  |
Nine months ended September 30, 2025 |  |  |  |  |  |  |
Net interest income (loss) | $ | 3,018 |  |  | $ | 1,564 |  |  | $ | (183) |  |  | $ | 4,399 |
Provision for credit losses | 306 |  |  | 34 |  |  | — |  |  | 340 |
Net interest income (loss) after provision for credit losses | 2,712 |  |  | 1,530 |  |  | (183) |  |  | 4,059 |
Noninterest income | 1,059 |  |  | 557 |  |  | (23) |  |  | 1,593 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 907 |  |  | 440 |  |  | 803 |  |  | 2,150 |
Other noninterest expense, including corporate allocations | 1,601 |  |  | 499 |  |  | (655) |  |  | 1,445 |
Total noninterest expense | 2,508 |  |  | 939 |  |  | 148 |  |  | 3,595 |
Income (loss) before income taxes | 1,263 |  |  | 1,148 |  |  | (354) |  |  | 2,057 |
Provision (benefit) for income taxes | 265 |  |  | 241 |  |  | (155) |  |  | 351 |
Income attributable to non-controlling interest | — |  |  | 14 |  |  | — |  |  | 14 |
Net income (loss) attributable to Huntington | $ | 998 |  |  | $ | 893 |  |  | $ | (199) |  |  | $ | 1,692 |
Nine months ended September 30, 2024 |  |  |  |  |  |  |
Net interest income (loss) | $ | 3,013 |  |  | $ | 1,579 |  |  | $ | (642) |  |  | $ | 3,950 |
Provision for credit losses | 227 |  |  | 86 |  |  | — |  |  | 313 |
Net interest income (loss) after provision for credit losses | 2,786 |  |  | 1,493 |  |  | (642) |  |  | 3,637 |
Noninterest income | 968 |  |  | 490 |  |  | 23 |  |  | 1,481 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 847 |  |  | 429 |  |  | 710 |  |  | 1,986 |
Other noninterest expense, including corporate allocations | 1,517 |  |  | 454 |  |  | (573) |  |  | 1,398 |
Total noninterest expense | 2,364 |  |  | 883 |  |  | 137 |  |  | 3,384 |
Income (loss) before income taxes | 1,390 |  |  | 1,100 |  |  | (756) |  |  | 1,734 |
Provision (benefit) for income taxes | 292 |  |  | 231 |  |  | (215) |  |  | 308 |
Income attributable to non-controlling interest | — |  |  | 16 |  |  | — |  |  | 16 |
Net income (loss) attributable to Huntington | $ | 1,098 |  |  | $ | 853 |  |  | $ | (541) |  |  | $ | 1,410 |
| Assets |  | Deposits
(dollar amounts in millions) | At September 30, 2025 |  | At December 31, 2024 |  | At September 30, 2025 |  | At December 31, 2024
Consumer & Regional Banking | $ | 81,412 |  |  | $ | 78,841 |  |  | $ | 110,043 |  |  | $ | 111,390 |
Commercial Banking | 71,937 |  |  | 66,919 |  |  | 47,651 |  |  | 43,366 |
Treasury / Other | 56,879 |  |  | 58,470 |  |  | 7,518 |  |  | 7,692 |
Total | $ | 210,228 |  |  | $ | 204,230 |  |  | $ | 165,212 |  |  | $ | 162,448 |

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name 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