Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 165

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 165
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 the application, the OCC will consider: (i) the financial and managerial resources of the banks party to the merger and the future prospects of Huntington

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#### TABLE OF CONTENTS
following the merger; (ii) the banks’ effectiveness in combating money-laundering activities; (iii) the extent to which the proposal would result in greater or more concentrated risks to the stability of the U.S. banking or financial system and (iv) the impact of the merger on competitiveness in affected banking markets.

In considering an application under the Bank Merger Act, the OCC also reviews the records of performance of the relevant insured depository institutions under the Community Reinvestment Act (the “CRA”), pursuant to which the OCC must also take into account the record of performance of Huntington National Bank and Cadence in meeting the credit needs of the entire community, including low- and moderate-income neighborhoods, served by each bank. In their most recent CRA performance evaluation, Huntington National Bank and Cadence each received an overall regulatory rating of “outstanding.”

Additionally, the OCC considers the capital level of the resulting bank, the conformity of the transaction to applicable law, the purpose of the merger and the impact of the merger on the safety and soundness of the bank. In addition, in connection with an interstate bank merger transaction, such as the merger, the OCC considers certain additional factors under the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (the “Riegle-Neal Act”), including the capital position of the acquiring bank, state laws regarding the minimum age of the bank to be acquired, the concentration of deposits on a nationwide and statewide basis, and compliance with any applicable state community reinvestment and antitrust laws. Also, under the Riegle-Neal Act, the OCC may approve an interstate merger transaction only if each constituent bank is adequately capitalized at the time the application for such transaction is filed with the OCC, and the OCC determines that the resulting bank will be well capitalized and well managed upon the consummation of the transaction.

The filing of the application with the OCC occurred on November 3, 2025.

#### Public Notice and Comments
The Bank Merger Act and OCC regulations require published notice of, and the opportunity for public comment on, the applications to the OCC. The OCC takes into account the views of third-party commenters, including on the subject of the merging parties’ CRA performance and record of service to their communities. The OCC frequently receive protests from