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The Huntington National Bank
Columbus, OH·FDIC Cert #6560·Charter: OCC·Est. 18660106.0·HC: HUNTINGTON BANCSHARES INC
Total Assets
$224.0B
Q4 2025
Return on Assets
1.20%
-0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.04%
Peer avg: 53.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.20%-0.02
ROE
11.79%-0.41
Efficiency
55.04%+0.95
Equity/Assets
0.00%+0.00
NPL Ratio
0.82%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.17%+1.88
Charge-offs
0.23%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 |
| ROE | 10.8 | 11.4 | 11.6 | 11.6 | 11.9 | 11.7 | 12.2 | 11.8 |
| Efficiency | 59.5 | 58.1 | 57.2 | 57.3 | 54.4 | 54.4 | 54.1 | 55.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 |
| Charge-offs | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 76.7 | 77.1 | 76.6 | 76.9 | 77.1 | 79.7 | 80.3 | 82.2 |
Balance Sheet
Total Assets$224.0B
Total Deposits$180.6B
Total Loans$148.4B
Total Equity$24.3B
Profitability
ROA1.20%
ROE11.79%
Efficiency Ratio55.04%
Net Income$2.5B
Risk & Asset Quality
NPL Ratio0.82%
Charge-off Rate0.23%
Loan/Deposit82.17%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans