Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 101

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 101
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 outstanding and level of assets pledged.

A summary of the Bank’s selected contingent liquidity sources is presented in the following table.

Table 19 - Selected Contingent Liquidity Sources(dollar amounts in millions)At September 30, 2025At December 31, 2024Unused secured borrowing capacity:FRB$70,312 $70,020 FHLB16,856 15,524 Unpledged investment securities (at market value)10,527 5,786 Interest-earning deposits held at FRB11,042 11,162 Selected contingent liquidity sources$108,737 $102,492 

As of September 30, 2025, we believe the Bank has sufficient liquidity and capital resources to meet its cash flow obligations over the next 12 months and for the foreseeable future.

Parent Company Liquidity

The parent company’s funding requirements consist primarily of dividends to shareholders, debt service, income taxes, operating expenses, funding of nonbank subsidiaries, repurchases of our stock, and acquisitions. The parent company obtains funding to meet obligations from dividends and interest received from the Bank, interest and dividends received from direct subsidiaries, net taxes collected from subsidiaries included in the federal consolidated tax return, fees for services provided to subsidiaries, and the issuance of debt securities.

The parent company had cash and cash equivalents of $4.1 billion at both September 30, 2025 and December 31, 2024.

26     Huntington Bancshares Incorporated

On October 15, 2025, our Board of Directors declared a quarterly cash dividend on our common stock of $0.155 per common share. The common stock dividend is payable on January 2, 2026, to shareholders of record on December 18, 2025. Additionally, on October 15, 2025, our Board of Directors declared quarterly Series B, F, G, H, J, and K preferred stock dividends payable on January 15, 2026 to shareholders of record on January 1, 2026. On September 9, 2025, our Board of Directors declared a quarterly dividend for the Series I preferred stock payable on December 1, 2025 to shareholders of record on November 15, 2025. Current quarterly dividend declarations are expected to total approximately $269 million. 

During the first nine months of 2025, the Bank paid common and preferred dividends to the parent company of $750 million and $34 million, respectively. To meet