Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 90

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 90
---
 ALLL% of Total Loans and Leases (1) Allocation of Allowance% of Total ALLL% of Total Loans and Leases (1) CommercialCommercial and industrial$1,084 45 %45 %$947 42 %43 %Commercial real estate419 18 8 473 21 9 Lease financing65 3 4 64 3 4 Total commercial1,568 66 57 1,484 66 56 ConsumerResidential mortgage204 9 18 205 9 19 Automobile172 7 12 145 6 11 Home equity160 7 7 148 7 8 RV and marine141 6 4 150 7 5 Other consumer129 5 2 112 5 1 Total consumer806 34 43 760 34 44 Total ALLL2,374 2,244 AULC188 202 Total ACL$2,562 $2,446 Total ALLL as a % ofTotal loans and leases1.72 %1.73 %Nonaccrual loans and leases294 286 NPAs289 273 Total ACL as % ofTotal loans and leases1.86 %1.88 %Nonaccrual loans and leases317 312 NPAs312 297 

(1)Percentages represent the percentage of each loan and lease category to total loans and leases.

2025 3Q Form 10-Q     19

At September 30, 2025, the ACL was $2.6 billion, or 1.86% of total loans and leases, compared to $2.4 billion, or 1.88%, at December 31, 2024. The increase in the ACL was driven by loan and lease growth, partially offset by a modest reduction in the ACL coverage ratio. The ACL coverage ratio at September 30, 2025 is reflective of the current macroeconomic forecast and changes in various risk profiles intended to capture uncertainty not addressed within the quantitative reserve. 

NCOs

The table below reflects NCO detail.

Table 14 - Net Charge-off AnalysisThree Months EndedNine Months Ended(dollar amounts in millions)September 30, 2025September 30, 2024September 30, 2025September 30, 2024Net charge-offs (recoveries) by