Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 105

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 105
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 uninsured depositors and debt holders in the event of liquidation, while also funding organic growth and providing appropriate returns to our shareholders. We manage regulatory capital and shareholders’ equity at the Bank and on a consolidated basis. We have an active program for managing capital, and we maintain a comprehensive process for assessing our overall capital adequacy, including the monitoring and reporting of capital risk metrics to the Board and ROC that we believe are useful for evaluating capital adequacy and making capital decisions. In addition to as-reported regulatory capital and tangible common equity metrics, we also actively monitor other measures of capital, such as tangible common equity including the mark-to-market impact on HTM securities and CET1 including the impact of AOCI excluding cash flow hedges. We believe our current levels of both regulatory capital and shareholders’ equity are adequate. 

The following table presents certain regulatory capital data at both the consolidated and Bank level.

Table 21 - Regulatory Capital Data (1)(dollar amounts in millions)At September 30, 2025At December 31, 2024Consolidated:CET1 risk-based capital ratio10.6 %10.5 %Tier 1 risk-based capital ratio12.4 11.9 Total risk-based capital ratio14.7 14.3 Tier 1 leverage ratio9.0 8.6 CET1 risk-based capital$15,924 $15,127 Tier 1 risk-based capital18,665 17,126 Total risk-based capital22,022 20,565 Total risk-weighted assets150,219 143,650 Bank:CET1 risk-based capital ratio11.7 %11.6 %Tier 1 risk-based capital ratio12.5 12.4 Total risk-based capital ratio14.1 14.1 Tier 1 leverage ratio9.1 8.9 CET1 risk-based capital$17,546 $16,540 Tier 1 risk-based capital18,747 17,746 Total risk-based capital21,161 20,240 Total risk-weighted assets149,578 143,128 

(1)    Huntington elected to temporarily delay certain effects of CECL on regulatory capital pursuant to a rule that allowed BHCs and banks to delay the impact of adopting CECL for two years, followed by a three-year transition period which began January 1, 2022. As of September 30, 2025