Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 27

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 1
Chunk 27
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)     Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial.

58     Huntington Bancshares Incorporated

The performance of loans made to borrowers experiencing financial difficulty to which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due. The following table depicts the performance of loans that have been modified during the identified period.Past Due(dollar amounts in millions)30-59 Days60-89 Days90 or more daysTotalCurrentTotalAt September 30, 2025Commercial and industrial$21 $8 $9 $38 $397 $435 Commercial real estate— — 1 1 219 220 Residential mortgage13 6 18 37 33 70 Automobile1 — — 1 7 8 Home equity2 1 1 4 12 16 RV and marine— — — — 1 1 Other consumer— — — — 1 1 Total loans to borrowers experiencing financial difficulty to which modifications were made in the twelve months ended September 30, 2025$37 $15 $29 $81 $670 $751 At September 30, 2024Commercial and industrial$1 $2 $4 $7 $418 $425 Commercial real estate9 — 5 14 245 259 Residential mortgage10 4 11 25 29 54 Automobile2 1 — 3 12 15 Home equity1 — 4 5 11 16 RV and marine— — — — 1 1 Other consumer— — — — 2 2 Total loans to borrowers experiencing financial difficulty to which modifications were made in the twelve months ended September 30, 2024$23 $7 $24 $54 $718 $772 Pledged LoansThe Bank has access to secured borrowings from the Federal Reserve’s discount window and advances from the FHLB. As of September 30, 2025 and December 31, 2024, loans and leases totaling $107.3 billion and $105.4 billion, respectively, were pledged to the FRB and FHLB for access to these contingent funding sources