Company: HBAN
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000049196-25-000063
Chunk: 26

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 1
Chunk 26
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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 June 30, 2025Commercial and industrial$2 $1 $5 $8 $534 $542 Commercial real estate— — 23 23 211 234 Residential mortgage11 6 17 34 35 69 Automobile1 — — 1 7 8 Home equity1 1 1 3 12 15 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 June 30, 2025$15 $8 $46 $69 $802 $871 At June 30, 2024Commercial and industrial$16 $1 $7 $24 $396 $420 Commercial real estate— — 4 4 244 248 Residential mortgage9 6 8 23 29 52 Automobile2 1 — 3 12 15 Home equity1 1 2 4 11 15 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 June 30, 2024$28 $9 $21 $58 $695 $753 Pledged LoansThe Bank has access to secured borrowings from the Federal Reserve’s discount window and advances from the FHLB. As of June 30, 2025 and December 31, 2024, loans and leases totaling $108.3 billion and $105.4 billion, respectively, were pledged to the FRB and FHLB for access to these contingent funding sources.

60     Huntington Bancshares Incorporated

Table of Contents

6. ALLOWANCE FOR CREDIT LOSSES  

The following table presents ACL activity