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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Huntington National Bank

Columbus, Ohio · $283.07B in assets · beside the 7 other Ohio banks over $10B

The filing

+40.9%
Loans, year over year
2nd of 8, largest first
1.06%
NPA / loans
7th of 8
61.7%
Efficiency
7th of 8

Huntington National Bank is the fourth largest of the 8 Ohio banks over $10B, with $283.07B in assets at 30 June 2026. Loans are 84.2% of deposits, 6th of 8 against a median of 76.8%, and equity is 11.8% of assets, 4th of 8. Loans grew +40.9% in the year, 2nd of 8, and deposits grew 35.7%; the cohort's median loan growth is +13.0%.

Noncurrent loans are 1.06% of the book, 7th of 8 against a median of 0.85%; 0.67% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.24% of loans, 3rd of 8. Commercial real estate is 12.9% of loans, 6th of 8 against a median of 12.3%, and 83% of capital, below the 300% screen, with construction at 18% against the 100% screen. CRE has grown +73.1% over 36 months, past the guidance's 50% prong.

Return on assets is 1.00%, 6th of 8 against a median of 1.25%, on an efficiency ratio of 61.7%, 7th of 8. Five years ago it was 0.93%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansOH banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.85% TF Third Federal Savings & Loan Association of Cleveland 0.25% FF First Financial Bank 0.70% JC JPMorgan Chase Bank N.A. 0.78% FT Fifth Third Bank N.A. 0.84% KN KeyBank National Association 0.86% PN Park National Bank 0.86% HN Huntington National Bank 1.06% US U S Bank National Association 1.45%
Loans, year over yearOH banks over $10B · 30 June 2026 · no better direction, largest first
median +13.0% FT Fifth Third Bank N.A. +45.8% HN Huntington National Bank +40.9% PN Park National Bank +22.2% FF First Financial Bank +16.6% JC JPMorgan Chase Bank N.A. +9.4% US U S Bank National Association +8.1% KN KeyBank National Association +4.3% TF Third Federal Savings & Loan Association of Cleveland +3.6%

SBA 7(a), FY2008 to FY2026

Huntington National Bank is the 1st largest 7(a) lender into Ohio of 361, with $5.20B across 33,020 loans, 34.6% of everything approved in the state (The Huntington National Bank leads with $5.20B). 355 of its 1,476 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Franklin, OH$773M1st of 16635.9%+2.6 pts
Cuyahoga, OH$664M1st of 14534.4%-5.5 pts
Oakland, MI$613M1st of 18525.3%-1.3 pts
Cook, IL$506M2nd of 2827.7%+3.3 pts
Harris, TX$505M2nd of 3146.2%-0.2 pts
Wayne, MI$463M1st of 16425.7%+0.3 pts
Hamilton, OH$447M1st of 12231.5%+5.2 pts
Macomb, MI$431M1st of 12636.5%+0.6 pts
Kent, MI$395M1st of 12437.6%+2.2 pts
Dallas, TX$325M1st of 3145.9%+4.5 pts
Summit, OH$313M1st of 10635.6%-0.5 pts
Allegheny, PA$303M1st of 14023.5%-4.5 pts
Montgomery, OH$298M1st of 11138.1%-11.6 pts
1463 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services10,886$3.19B15.9%4.16%1st of 2,596
Retail trade8,959$2.17B10.8%3.56%3rd of 2,589
Health care & social assistance6,391$2.10B10.5%4.43%3rd of 2,172
Construction12,096$2.08B10.3%6.53%1st of 2,063
Manufacturing5,217$2.06B10.3%5.20%1st of 2,246
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Huntington National Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Huntington National BankRankCohort median
Total CRE against capital, the 300% screen83%6th of 867%
Construction against capital, the 100% screen18%5th of 816%
Construction and land development, share of loans2.8%5th of 82.7%
Non-owner-occupied nonfarm nonresidential, share of loans7.5%6th of 85.2%
Total CRE, the guidance definition, share of loans12.9%6th of 812.3%
CRE growth over 36 months, the third prong+73.1%6th of 8+8.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
JPMorgan Chase Bank N.A.$4091.32B1.5%54.5%0.78%0.60%1.7%55.4%8.3%
U S Bank National Association$705.55B1.2%56.1%1.45%0.52%1.8%76.3%9.8%
Fifth Third Bank N.A.$299.18B0.9%68.0%0.84%0.31%1.6%74.5%12.6%
Huntington National Bank$283.07B1.0%61.7%1.06%0.24%1.7%84.2%11.8%
KeyBank National Association$188.56B1.3%54.9%0.86%0.39%1.3%70.6%9.9%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Huntington National BankCohort median
20212026Change20212026Change
Loans$113.23B$191.19B+69%$108.07B$145.60B+35%
Deposits$147.54B$227.12B+54%$148.24B$192.80B+30%
NPA / loans1.00%1.06%+0.06 pts0.97%0.85%-0.12 pts
Efficiency64.4%61.7%-2.7 pts59.8%56.8%-3.0 pts
ROA0.93%1.00%+0.08 pts1.39%1.25%-0.14 pts

This read was prepared for Huntington National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Huntington National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks over $10B
Institution www.huntington.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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