Huntington Bancshares Incorporated (NASDAQ: HBAN) is a regional bank holding company that provides consumer and commercial banking, mortgage, and wealth management services. It earns revenue primarily through net interest income on loans and leases, and through noninterest income from service charges, mortgage banking, and capital markets activities. The 2025 Form 10-K (filed 2026-02-13, accession 000004919626000015) identifies business segments including consumer banking and commercial banking, with additional disclosures covering credit risk, market risk, and capital management. The filing confirms HBAN is headquartered in the United States and is a well-known seasoned issuer under SEC Rule 405. Disclosed financial statement components include loans and leases, investment securities, mortgage loan sales and servicing rights, goodwill and intangible assets, and derivative financial instruments. Segment reporting, allowance for credit losses, and earnings per share are all separately disclosed in the annual filing for fiscal year 2025.

Revenue model

Net interest income from loans and leases, supplemented by noninterest income from service charges, mortgage banking, capital markets activities, and wealth management fees, as indicated by the FY2025 10-K income statement structure.

Products and services

Consumer and commercial banking, mortgage loan origination and servicing, investment securities, leasing, capital markets, wealth management, and deposit accounts, as listed in the FY2025 10-K table of contents and notes.

Customers and end markets

Consumer and commercial customers, including individuals, businesses, and institutional clients served through retail banking and commercial banking segments, as indicated by segment reporting disclosures in the FY2025 10-K.

Value-chain role

Bank holding company acting as direct lender, deposit taker, and financial services provider to consumer and commercial end markets.

Geographic exposure

United States. Specific state or regional footprint not detailed in the provided filing excerpts.

Source: SEC 10-K, filed 2026-02-13

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