# HUNTINGTON NATIONAL BANK
COLUMBUS, OH · FDIC certificate 6560 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $283.07B | |
| Deposits | $227.12B | |
| Loans and leases | $191.19B | |
| Total equity | $33.71B | |
| Loans / deposits | 82.75% (p75 of band) | 72.53% |
| Liquid assets / assets | 23.57% (p22 of band) | |
| Uninsured deposits / deposits | 32.46% (p31 of band) | 42.66% |
| Brokered deposits | 3.52% | |
| Wholesale funding | 8.86% (p41 of band) | |
| FHLB advances / assets | 2.60% | |
| Tier 1 leverage | 9.30% (p47 of band) | 9.44% |
| Unrealized securities loss / equity | -12.17% (p47 of band) | -9.97% |
| AOCI / equity | -0.91% (p41 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.18% |
| Net interest margin | 3.50% (p72 of band) | 3.14% |
| Efficiency ratio | 59.91% (p72 of band) | |
| Noncurrent loans | 1.06% (p69 of band) | 0.85% |
| Net charge-offs (annualized) | 0.17% (p41 of band) | |
| Reserve coverage of noncurrent | 160.30% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 15.79% (p84 of band) | |
| Auto loans | $15.99B (8.37% of loans; DQ 1.18%, NCO 0.02%) | |
| Loans to nondepository financials | $17.51B (52% of equity) (p50 of band) | |
| Deposits YoY | 35.7% | |
| Employees | 25478 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | uninsured deposits >50% |  |
| 2014-09 | 3 | run vulnerability |  |
| 2014-12 | 1 |  | capital falling, run vulnerability |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 | capital falling | securities losses >30% of equity |
| 2023-03 | 1 | uninsured deposits leaving | uninsured deposits >50%, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | loans-to-lenders >50% equity |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | loans-to-lenders >50% equity |
| 2026-06 | 1 | loans-to-lenders >50% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Huntington Names Brant Standridge President :: Huntington Bancshares Incorporated (HBAN) - Huntington Bancshares Incorporated (HBAN)](https://news.google.com/rss/articles/CBMitgFBVV95cUxPMl9SV0g3YklpQ1BKTmR6Ml9XV1pOOE1QcTBVeTlaQmN3Mm9rdmN2cXRYWm5LMDhZMzB6aXpTY0MzWWtEdHRYbWUxTllNdGlPdjFRVDc5Vm9tLU0ydjdFMm42eWhMcnI1QlplN1I2cEp2ZF94Q0lJMGxtVjJrQXZocncwR21jZUZ6RGNyVUVLemNGMWZDU284TEhnMklpTG5OWnRjLWd5aWR1MkxqZWkwaWlkZjVXUQ?oc=5) · Huntington Bancshares Incorporated (HBAN)
- 2026-09-08 [Huntington Bank names expected next CEO - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNTVJPazZ1OGRTYnRiUkFTSVhHOFF3X0xnckhPeFl6MUVrY3VFOVRiWklWM1dHTGFNTnhFYkJIU0VJZEs3QUpld240NVZrY1VXQmlDZ2pGVkRHQnU4eDFMZFVhZVYwTlZCOGppbmUxeFFBd0lvSDFjbF9KMHBha2V6RVk1OE1hZXgtZmkxMUdSTVFzTEVoMzh1OWhaSQ?oc=5) · The Business Journals
- 2026-09-08 [Huntington promotes Brant Standridge to president - HousingWire](https://news.google.com/rss/articles/CBMigAFBVV95cUxQWExLZXd1Qzk3Q3U2WXdCTllpYVVGWUoyb2dtX1psRU5pZ3FDWmxsLTV3ZUU1TW92WWhYa29yeWJrWC02RmNNWUJlSnA4aU5OREVxenRaYnpYeGJDZ1k4VVVNYmxKcHJ3OU9mbnRDbGkxMXppLU5LTTZVSFItYlJfRQ?oc=5) · HousingWire
- 2026-09-02 [Huntington Bank Names Ameesh Vakharia Chief Marketing and Digital Products Officer - Huntington Bancshares Incorporated (HBAN)](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPMlJYUnNseFVRZ3pUZF90MGloTkU1RHJCODhYZDB3cm1kN1l2bFk2VEJiYzZheVp0S3dGMzVrUl9wZEY3cE90cjkzSGZPa2YtSDdHZnFNTmR4ZXkwVVc3bGR4RHVNRnBtZXZBS0IzdmNtSDZsNV9ibXg5cTZGeXVkanAxTXhGWnAyS1lNbDZmN1FDNU9JbDdqcGM4TkFDeS1FSkFXazBZMzR5SF9hLTRDRkk1NW9oemZmS0RlZG1uckM1c2ljNlNUbVVkN1YwNHdWTkRUdXhTaV84S3h5UUhtOUJmUjZQeGZJMEE?oc=5) · Huntington Bancshares Incorporated (HBAN)
- 2026-09-08 [Huntington names a new president as its CEO plans to stay several more years - Stock Titan](https://news.google.com/rss/articles/CBMikgFBVV95cUxNOUhoUndSV1dsUFVfcmJMczdlS3V0dlpGUzk4RXVDVzcwVHhoNVFUM29IS2h1eEhhSXBiNmFoT0RKaExqcnhTaUZrRHh1blJfU09TSm1nQWd0elhsa3Rndl9mM04tZUxhUE1kcVRYNV8zcnVUbEpiYTA2bVVKSXdOdHZ5RTg1NjNraHpOOUpEMEREZw?oc=5) · Stock Titan
- 2026-08-21 [University of Texas Athletics and Huntington Bank Announce Landmark 10-Year Partnership - Learfield](https://news.google.com/rss/articles/CBMivwFBVV95cUxNLTVCc2wwN1RuYkxpQ05hbjdxU3V3UUtVUVJBRmdvOWYtclFsUG1IWFRnRlBHTmRTbGthaE9XSnEzeC1nTnY5eTdWTWJIWmNpbXA2eHFNQjV6MXBBYlYyRjZkRnBJVldVYWUwa2VrQVRscHVxNTVjd1FwOGZRYWJhR01XYllKaUtqVlhOdDFtYWFRYS1KTmpnU0ttRDVDbTF0Y2x2YnlXLXpCcG9WRks3clo2Yk1vbWZPNzRMNHM1Zw?oc=5) · Learfield
- 2026-08-14 [Midwest bank’s rapid growth in the Carolinas has it betting big on Charlotte - charlotteobserver.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5UMFRRYU5FdFZHSUJvS0MwbGQ0bjZjY0RuSWZEN0dfTGlNckhlVkNGNmI5MWlqS2dDaHJaMHNCTjh0OXVacF9wVjI0M3dnbFlDYnhDdmV1UmRiQjQ3LUdlUWM0amNTdWJ1SmhhWFFsZkZKVGRlNzBsV9IBeEFVX3lxTE41YXMyd05fd0FwekNwQVhUWWFnRTM5YzBZckU5ZDEzLUE2RXh5SzBINE9jRS1nSURDTU5nc3N0VGRYVDVWZTlFYnRIdDc4OTYtenNZZHBDY3U4SDh1TDJNeEdkR2dnQUxiYkhJdGJFdXd6NTZaaGFXTA?oc=5) · charlotteobserver.com
- 2026-08-14 [Huntington Bank Hires Laricke Blanchard as Director of Congressional and Regulatory Relations - PR Newswire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxONVlkRHg0VWFjaHE3OVczTDZ4alJsLWphTHVEcHBkZVBlVUs3ZkJlVklzNDlrTlJ0UjJ4WUdmWWhVSFZBMmFpUlBwZS1pRGRMTWpWYVJ0TFFtY1I0MFZ6Yl9ESDJuR0tid2Ywdld2V0p5OVdSaUM5d3NFdlZwMTc4UktOeV9rYkEwMURLMjUtV2xBYlVUYzFHSENiUkRZLVZSNDV0YVV2Y3VURGl4QllYSC12WVhfd0h1UmdSZmk5bS1zWlNhMldLYm9ZS0QtUFQ4QWNZUTlsSXQzYjdnU3AyREg4TQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6560 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "6560", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide