Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 113

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 113
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 one or both of the parties to terminate the merger agreement between Huntington and Cadence; the outcome of any legal proceedings that may be instituted against Huntington or Cadence; delays in completing the Cadence transaction; the failure to obtain necessary regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the Cadence transaction); the failure to obtain Huntington or Cadence shareholder approval or to satisfy any of the other conditions to the Cadence transaction on a timely basis or at all; the possibility that the anticipated benefits of the Veritex and Cadence transactions are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integrations of the companies or as a result of the strength of the economy and competitive factors in the areas where Huntington, Veritex, or Cadence do business; the possibility that the Cadence transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; diversion of management’s attention from ongoing business operations and opportunities; potential adverse reactions or changes to business, customer or employee relationships, including those resulting from the announcement or completion of the Cadence transaction; the ability to complete the Cadence transaction and integrate Huntington and Cadence successfully; the ability to complete the integration of Huntington and Veritex successfully; and other factors that may affect the future results of Huntington. 

All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above. Forward-looking statements speak only as of the date they are made and are based on information available at that time. Huntington does not assume any obligation to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. 

Non-GAAP Financial Measures

This document contains GAAP financial measures and non-GAAP financial measures, including FTE net interest income and FTE total revenue, where management believes it to be helpful in understanding our results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in Table 1 in this report.

2025 3Q Form 10-Q     35

Fully-Taxable Equivalent Basis

Interest income, yields