Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 131

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 131
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 of securities, amortization of intangibles, and nonrecurring items as defined by S&P Capital IQ Pro. |

| (2) | Excluded gain / (loss) on sale of securities. |

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TABLE OF CONTENTS

KBW’s analysis also showed the following concerning the financial condition of Cadence and the selected companies:

|                                                                 |     |         |     | Selected Companies |     |        |     |            |     |            |
|                                                                 |     | Cadence |     | Average            |     | Median |     | 25th       
 Percentile |     | 75th       
 Percentile |
| Tangible Common Equity / Tangible Assets                        |     | 8.24%   |     | 9.54%              |     | 9.71%  |     | 8.44%      |     | 10.82%     |
| CET1 Ratio                                                      |     | 11.5%   |     | 12.6%              |     | 12.5%  |     | 11.5%      |     | 13.4%      |
| Total Capital Ratio                                             |     | 13.1%   |     | 15.3%              |     | 15.0%  |     | 14.6%      |     | 15.9%      |
| Loans / Deposits                                                |     | 83.8%   |     | 84.7%              |     | 88.0%  |     | 82.3%      |     | 89.2%      |
| Loan Loss Reserves / Loans                                      |     | 1.34%   |     | 1.29%              |     | 1.23%  |     | 1.13%      |     | 1.54%      |
| Nonperforming Assets / Loans + Other Real Estate Owned (“OREO”) |     | 0.60%   |     | 0.58%              |     | 0.50%  |     | 0.66%      |     | 0.48%      |
| MRQ Net Charge-offs / Average Loans                             |     | 0.26%   |     | 0.25%              |     | 0.23%  |     | 0.27%      |     | 0.19%      |

In