---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-23-000078"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2023-07-21T23:59:59+00:00"
generated_at: "2026-06-13T05:13:34.972117+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Huntington Q2 EPS $0.35, flat YoY; NIM narrows to 3.11%; deposits grow $2.7B

## Summary
- Net income $559M ($0.35 EPS), flat YoY; net interest income $1.346B (+7% YoY, -4% QoQ).
- Net interest margin 3.11% (-29bp QoQ) on higher funding costs; cash balances boosted earning assets.
- Ending total deposits +$2.7B QoQ to $148B; core deposits +$2.5B led by consumer.
- Credit strong: NCOs 0.16%, NPAs at 0.46% (8th consecutive quarterly decline).
- CET1 ratio 9.82% (+27bp QoQ); tangible book value $7.33/share.

## SEC filing metadata
- accession: 0000049196-23-000078
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2023-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49196/000004919623000078/0000049196-23-000078-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919623000078/hban-20230721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-23-000078
- JSON: https://secwatch.observer/filing/0000049196-23-000078.json
- Plain text: https://secwatch.observer/filing/0000049196-23-000078.txt

## Key facts
- Earnings Releases
  HUNTINGTON BANCSHARES INC /MD/ reported financial results for the quarter ended June 30, 2023.
  - Period: the quarter ended June 30, 2023
  - Result: reported results
  source text: On July 21, 2023, Huntington Bancshares Incorporated (“Huntington”) issued a news release announcing its earnings for the quarter ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/49196/000004919623000078/0000049196-23-000078-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.