---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-25-000056"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2025-07-18T23:59:59+00:00"
generated_at: "2026-05-18T05:52:29.269662+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Huntington Q2 EPS $0.34, NII +12% YoY; announces Veritex merger

## Summary
- Net income $536M, EPS $0.34 unchanged QoQ, up 13% YoY; ROTCE 16.1% (17.6% ex-items).
- Net interest income $1.467B (+12% YoY); NIM expanded 12bp to 3.11% on loan growth.
- Average loans $133.2B (+8% YoY); commercial +10%, consumer +6%; deposits +6% YoY.
- Credit quality: NCOs 0.20% (down 6bp QoQ); NPAs 0.63%; ACL 1.86% of loans.
- Tangible book value $9.13 (+$1.24 or 16% YoY); CET1 ratio 10.5%; Veritex combination announced.

## SEC filing metadata
- accession: 0000049196-25-000056
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2025-07-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49196/000004919625000056/0000049196-25-000056-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919625000056/hban-20250718.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-25-000056
- JSON: https://secwatch.observer/filing/0000049196-25-000056.json
- Plain text: https://secwatch.observer/filing/0000049196-25-000056.txt

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