Huntington Bancshares Incorporated Reports 2026 Third-Quarter Earnings
Key Q3 Highl… •EPS of $0.33, uncha… for the quart… •Adju… EPS(1… which exclu… the impact of Notab… Items (as detai… in "Nota… Items Influ… Earni… was $0.38, down $0.01 from the prior quart… •ROTC… 14.6% and adjus… ROTCE… 16.6% •Net inter… income incre… 1% quart… NIM of 3.25% was up 4 basis points driven by higher yields on inves… secur… and modes… lower overa… net fundi… costs •Noni… incom… large… due to lower capit… marke… fees and unfav… equity valua… adjus… •Noni… expen… exclu… the impact of acqui… expen… remai… flat quart… •Aver… total loans and leases were down 0.4% compa… to the prior quart… driven by decli… in CRE and total consu… loans, parti… offset by higher C&I loans •Aver… total depos… incre… 0.2% quart… with higher money market and inter… demand balan… parti… offset by lower time depos… •Main… strong capit… posit… with CET1 risk-… capit… ratio of 10.1%… adjus… CET1(… capit… ratio of 8.9%(… and TCE(1… of 6.9% •TBV per common share… $9.47 was down $0.18, or 2%, from the prior quart… large… due to the impact of market inter… rates unfav… impac… AOCI •Repu… $100 milli… of common share… bring… Key the Q3 total Fina… to Data $409 ($ in milli… mill… and exce… repre… per appro… share 25 data) milli… Summ… shares Inco… repur… Stat… 3Q26 2Q26 3Q25 year‑… ────────────────────────────────────────────────────────────────────────────── Net inte… $ 2,069 $ 2,052 $ 1,506 inco… Net inte… inco… 2,090 2,072 1,523 - FTE(… Noni… 722 785 628 inco… Total 2,791 2,837 2,134 reve… Total reve… 2,812 2,857 2,151 - FTE(… Noni… 1,772 1,809 1,246 expe… Net inco… appl… 680 686 602 to comm… shar… PPNR… 1,040 1,048 905 Key Metr… Dilu… $ 0.33 $ 0.33 $ 0.41 EPS TBV per 9.47 9.65 9.54 comm… shar… Retu… on 1.01 % 1.02 % 1.19 % aver… asse… ROCE 9.1 9.3 12.4 ROTC… 14.6 15.1 17.8 Adju… 16.6 17.5 17.4 ROTC… Net inte… 3.25 3.21 3.13 marg… - FTE Effi… 61.2 61.5 57.4 rati… TCE 6.9 7.1 6.8 rati… CET1 10.1 10.0 10.6 rati… Adju… CET1 8.9 9.0 9.2 rati… NCO 0.31 0.25 0.22 ratio NPA 0.90 0.85 0.60 ratio ACL 1.75 1.78 1.86 ratio Aver… Bala… Earn… $ 255,2… $ 258,… $ 192,… asse… Loans and 188,4… 189,2… 135,9… leas… Depo… 223,8… 223,4… 164,8…
"Huntington delivered a solid quarter, reflecting disciplined execution and continued business momentum across the franchise," said Steve Steinour, Huntington chairman and chief executive officer. "We are also seeing increasing benefits from our recent partnerships with Veritex and Cadence, and are achieving our targeted cost and revenue synergies. Our results reflect our disciplined growth strategy, in line with our aggregate moderate-to-low risk profile, and give us confidence that we are on track to meet our financial targets and deliver sustained growth in earnings, tangible book value and long- term shareholder returns."
Analysts: Eric Wasserstrom (huntington.investor.relations@huntington.com), 614.480.5676
(1) Represents a non-GAAP financial measure. For additional details, see the "Use of Non-GAAP Financial Measures" section of this release and reconciliations to the comparable GAAP financial measure included in this release or Huntington's Quarterly Financial Supplement.
The following table details certain items that we believe are important to understanding corporate performance and trends (see Basis of Presentation).
(3) Represents the updated estimates on the uninsured deposit losses and recoverable assets related to the FDIC DIF special assessment. These amounts are recorded in other noninterest expense. 2 Net Interest Income, Net Interest Margin, and Average Balance Sheet
(1) Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See Page 6 of Quarterly Financial Supplement for additional yield/rate detail.
Fully-taxable equivalent (FTE) net interest income for the third quarter increased $18 million, or 1%, from the prior quarter, driven by a 4 basis point increase in the net interest margin (NIM). The increase in NIM reflected higher earning-asset yields, primarily from reinvestment into higher yielding investment securities, and a decrease in average total borrowings, partially offset by higher deposit costs.
• Average earning assets decreased $3.3 billion, or 1% , primarily due to a $2.7 billion, or 16%, decrease in interest-earning deposits with banks and a $806 million decrease in average loans and leases.
• The yield on total investment and other securities increased quarter-over- quarter.
• Average interest-bearing liabilities decreased $3.3 billion , or 2% , primarily due to a $3.6 billion, or 16%, decrease in average total borrowings, partially offset by a $267 million increase in interest-bearing deposits.
• The average cost of total deposits increased 2 basis points quarter-over- quarter.
Fully-taxable equivalent (FTE) net interest income for the third quarter increased $567 million, or 37%, from the year-ago quarter, driven by higher average earning assets and an increase in NIM, partially offset by higher interest-bearing liabilities. NIM was 3.25%, up 12 basis points, reflecting a decrease in deposit costs, partially offset by lower earning-asset yields.
• Average earning assets increased $62.5 billion, or 32%, primarily due to a $52.5 billion, or 39%, increase in average loans and leases driven by loans acquired in the Cadence and Veritex acquisitions, in addition to organic loan growth.
• The yield on the total loan and lease portfolio was 5.84% , a decrease of 12 basis points.
• Average interest-bearing liabilities increased $48.5 billion, or 31%, primarily due to a $47.9 billion, or 35%, increase in interest-bearing deposits driven by deposits acquired in the Cadence and Veritex acquisitions, in addition to organic deposit growth.
• Average commercial loan balances decreased $303 million, primarily driven by an $854 million, or 4%, decrease in average commercial real estate loans, partially offset by a $553 million, or 1%, increase in average commercial and industrial loans.
• Average consumer loans decreased $503 million, or 1%, primarily driven by a $332 million, or 1%, decrease in average residential mortgage and a $311 million , or 2% , decrease in average automobile loans.
Average total loans and leases increased $52.5 billion, or 39%, from the year- ago quarter, largely due to the impact of the Cadence and Veritex acquisitions, in addition to organic loan growth over the last year.
• Average commercial loans increased $42.1 billion, or 54%, primarily driven by a $29.5 billion, or 48%, increase in average commercial and industrial loans and a $12.4 billion, or 116%, increase in average commercial real estate loans.
• Average consumer loans increased $10.4 billion, or 18%, primarily driven by a $8.7 billion, or 35% increase in average residential mortgage loans and a $1.6 billion, or 16%, increase in average home equity loans. 4
Average total deposits increased $59.0 billion , or 36%, from the year-ago quarter , largely due to the impact of the Cadence and Veritex acquisitions, in addition to organic deposit growth over the last year .
(1) In the third quarter of 2026, we reclassified insurance income and leasing revenue into other noninterest income. Prior period amounts have been revised to conform with the current period presentation.
Noninterest income decreased $63 million, or 8% , from the prior quarter. Excluding the impact of Notable Items, noninterest income decreased $55 million, or 7% , from the prior quarter.
• Capital markets and advisory fees decreased primarily due to lower underwriting and advisory fees.
• Other noninterest income decreased due largely to unfavorable valuation changes for strategic investment and other investments and a decrease in leasing revenue.
Compared with the year-ago quarter, noninterest income increased $94 million, or 15%. Excluding the impact of Notable Items, noninterest income increased $126 million , or 21%, over the year-ago quarter.
• The third quarter of 2026 included the full quarter impact of the Cadence and Veritex acquisitions.
• Payments and cash management revenue increased driven by higher cash management and interchange revenue.
• Capital markets and advisory fees increased primarily due to fees from the legacy business and the impact of Janney and TM Capital, in addition to higher syndication fees.
• Wealth and asset management revenue increased due largely to higher investment management and trust income.
• Customer deposit and loan fees increased driven by increases in loan commitment fees and the volume of personal service charges . 6
(1) In the third quarter of 2026, we reclassified deposit and other insurance expense and lease financing equipment depreciation into other noninterest expense. Prior period amounts have been revised to conform with the current period presentation. 7
($ in millions) Quarter Ended 3Q26 2Q26 3Q25 ────────────────────────────────────────────────────────────────────────────── Personnel costs $ 33 $ 38 $ — Outside data processing and 52 74 3 other services Equipment 2 15 1 Net occupancy 10 2 — Professional 5 4 9 services Marketing 2 8 — Other noninterest 13 11 -5 expense Total noninterest $ 117 $ 152 $ 8 expense Acquisition-rel… expenses $ 117 $ 152 $ 14 included in Notable Items
Noninterest expense, excluding the impact of Notable Items, decreased $2 million from the prior quarter.
• Personnel costs decreased primarily due to lower salary, benefit, and incentive compensation expense .
• Outside data processing and other services decreased primarily reflecting lower technology and data expense .
• Marketing expense increased due largely to higher levels of expense in our expanding geographic areas.
Compared with the year-ago quarter, noninterest expense, excluding the impact of Notable Items, increased $417 million, or 34%.
• The third quarter of 2026 included the full quarter impact of the Cadence and Veritex acquisitions.
• Personnel costs increased primarily due to higher salary and benefit expense .
• Outside data processing and other services increased primarily reflecting higher technology and data expense .
• Amortization of intangibles increased primarily due to the impact of the addition of core deposit intangibles from the acquisitions.
• Other noninterest expense increased primarily due to an increased volume of expense activity driven by the impact of the acquisitions. 8
(1) Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.
(3) Total NPAs as a % of sum of loans and leases, other real estate owned, and other NPAs.
NPAs totaled $1.7 billion at September 30, 2026, an increase of $110 million from the prior quarter primarily driven by increases in commercial and industrial, commercial real estate, and residential mortgage NALs. Compared to a year ago, NPAs were up $901 million driven by increases in commercial and industrial, residential mortgage, commercial real estate, and home equity NALs, including NALs acquired as part of the Cadence and Veritex transactions.
The provis ion for credit losses was $123 million in the 2026 third quarter, a decrease of $9 million quarter-over-quarter and an increase of $1 million year- over-year. NCOs of $146 million increased $27 million quarter-over-quarter and $71 million year-over-year. NCOs represented an annualized 0.31% of average loans and leases in the current quarter, up from 0.25% in the prior quarter and 0.22% in the year-ago quarter. Commercial and consumer net charge-offs were 0.27% and 0.38%, respectively, for the 2026 third quarter.
The tangible common equity to tan gible assets ratio was 6.9% at September 30, 2026, compared to 7.1% at June 30, 2026, with the decrease primarily due to a decline in accumulated other comprehensive income from higher market interest rates, as well as an increase in tangible assets driven by higher interest- earning deposits with banks, partially offset by current period earnings, net of dividends and share repurchases . Common Equity Tier 1 (CET1) risk-based capital ratio was 10.1% at September 30, 2026, compared to 10.0% at June 30, 2026, with the increase driven by current period earnings, net of dividends, partially offset by the impact of share repurchases and modestly higher risk-weighted assets.
The provision for income taxes was $172 million in the 2026 third quarter, compared to $165 million in the 2026 second quarter. The effective tax rate for the 2026 third quarter was 19.3%, compared to 18.4% for the 2026 second quarter . The increase in the effective tax rate was primarily driven by higher non- deductible expenses in the current quarter.
Huntington’s senior management will host an earnings conference call on October 22, 2026, at 9:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington’s website, www.huntington-ir.com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13762987. Slides will be available in the Investor Relations section of Huntington’s website about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington’s website. A telephone replay will be available approximately two hours after the completion of the call through October 30, 2026 at (877) 660-6853 or (201) 612-7415; conference ID #13762987.
Please see the 2026 Third Quarter Quarterly Financial Supplement for additional detailed finan cial performance metrics. This document can be found on the Investor Relations section of Huntington's website, http://www.huntington- ir.com.
Huntington Bancshares Incorporated is a $288 billion asset regional bank holding company headquartered in Columbus, Ohio. A top 10 U.S. commercial bank, The Huntington National Bank and its affiliates provide consumers, small and middle‐market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Founded in 1866, Huntington operates approximately 1,400 branches in 21 states, with certain businesses operating nationally. Visit Huntington.com for more information. 10
This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements which are not historical facts and are subject to numerous assumptions, risks, estimates, and uncertainties that are beyond the control of Huntington . Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, continue, believe, intend, estimate, plan, trend, objective, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward- looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995.
While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements or historical performance: changes in general economic, political, regulatory, or industry conditions; deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages; instability in global economic conditions and geopolitical conditions, including U.S. direct involvement in war and other conflicts, as well as volatility in financial markets; changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business, results of operations, and financial condition; the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirements and costs, such as Federal Deposit Insurance Corporation ("FDIC") special assessments, long-term debt requirements and heightened capital requirements; potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital; unexpected outflows of deposits which may require us to sell investment securities at a loss; changing interest rates which could negatively impact the value of our portfolio of investment securities; the loss of value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; market perceptions of us and banks generally, including from the effects of social media; cybersecurity risks; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System ("Federal Reserve"); volatility and disruptions in global capital, foreign exchange, and credit markets; movements in interest rates; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our “Fair Play” banking philosophy; introduction of new competitive products, such as stablecoins, and new competitors, such as financial technology companies and other “nontraditional” bank competitors; changes in policies and standards for regulatory review of bank mergers; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the Securities and Exchange Commission ("SEC"), the Office of the Comptroller of the Currency, the Federal Reserve, the FDIC, the Consumer Financial Protection Bureau, and state- level regulators; the possibility that the anticipated benefits of recent or proposed acquisitions are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the companies or as a result of the strength of the economy and competitive factors in the areas where the companies do business; and other factors that may affect the future results of Huntington. 11 All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above. Forward-looking statements speak only as of the date they are made and are based on information available at that time. Huntington does not assume any obligation to update forward-looking statements to reflect actual results, new information or future events, changes in assumptions or changes in circumstances or other factors affecting forward- looking statements that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. If Huntington updates one or more forward-looking statements, no inference should be drawn that Huntington will make additional updates with respect to those or other forward-looking statements. As forward- looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. See also the other reports filed with the SEC, including discussions under the "Forward- Looking Statements" and "Risk Factors" of Huntington’s Annual Report on Form 10-K for the year ended December 31, 2025 and in its subsequent Quarterly Reports on Form 10-Q, including for the quarters ended March 31, 2026 and June 30, 2026, as filed with the SEC and available on its website at www.sec.gov.
This document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington’s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this document, the financial supplement, conference call slides, or the Form 8-K related to this document, all of which can be found in the Investor Relations section of Huntington’s website, http://www.huntington-ir.com.
Certain returns, yields, performance ratios, or quarterly growth rates are presented on an “annualized” basis. This is done for analytical and decision- making purposes to better discern underlying performance trends when compared to full-year or year-over-year amounts. For example, loan and deposit growth rates, as well as net charge-off percentages, are most often expressed in terms of an annual rate like 8%. As such, a 2% growth rate for a quarter would represent an annualized 8% growth rate.
Income from tax-exempt earning assets is increased by an amount equivalent to the taxes that would have been paid if this income had been taxable at statutory rates. This adjustment puts all earning assets, most notably tax-exempt municipal securities, and certain lease assets, on a common basis that facilitates comparison of results to results of competitors.
From time to time, revenue, expenses, or taxes are impacted by items judged by management to be outside of ordinary banking activities and/or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by management at that time to be infrequent or short term in nature. We refer to such items as “Notable Items.” Management believes it is useful to consider certain financial metrics with and without Notable Items, in order to enable a better understanding of company results, increase comparability of period-to-period results, and to evaluate and forecast those results. 12
ACL Allowance for Credit Losses Adjusted CET1 CET1, including the impact of AOCI, excluding cash flow hedges ALLL Allowance for Loan and Lease Losses AOCI Accumulated Other Comprehensive Income Cadence Cadence Bank CEO Chief Executive Officer CET1 Common Equity Tier 1 CRE Commercial Real Estate C&I Commercial and Industrial DIF Deposit Insurance Fund EPS Earnings Per Common Share FDIC Federal Deposit Insurance Corporation FTE Fully Taxable Equivalent GAAP Generally Accepted Accounting Principles LQ Linked Quarter NAL Nonaccrual Loan NCI Non-controlling Interest NCO Net Charge-Off NIM Net Interest Margin NPA Nonperforming Asset OREO Other Real Estate Owned PPNR Pre-Provision Net Revenue ROCE Return on Average Common Equity ROTCE Return on Average Tangible Common Equity SEC Securities and Exchange Commission TBV Tangible Book Value TCE Tangible Common Equity Veritex Veritex Holdings, Inc. and Veritex Community Bank YOY Year-Over-Year
Full text with the tables
Exhibit 99.1
Huntington Bancshares Incorporated Reports 2026 Third-Quarter Earnings
Key Q3
Highl…
•EPS
of
$0.33,
uncha…
for
the
quart…
•Adju…
EPS(1…
which
exclu…
the
impact
of
Notab…
Items
(as
detai…
in
"Nota…
Items
Influ…
Earni…
was
$0.38,
down
$0.01
from
the
prior
quart…
•ROTC…
14.6%
and
adjus…
ROTCE…
16.6%
•Net
inter…
income
incre…
1%
quart…
NIM of
3.25%
was up
4
basis
points
driven
by
higher
yields
on
inves…
secur…
and
modes…
lower
overa…
net
fundi…
costs
•Noni…
incom…
large…
due to
lower
capit…
marke…
fees
and
unfav…
equity
valua…
adjus…
•Noni…
expen…
exclu…
the
impact
of
acqui…
expen…
remai…
flat
quart…
•Aver…
total
loans
and
leases
were
down
0.4%
compa…
to the
prior
quart…
driven
by
decli…
in CRE
and
total
consu…
loans,
parti…
offset
by
higher
C&I
loans
•Aver…
total
depos…
incre…
0.2%
quart…
with
higher
money
market
and
inter…
demand
balan…
parti…
offset
by
lower
time
depos…
•Main…
strong
capit…
posit…
with
CET1
risk-…
capit…
ratio
of
10.1%…
adjus…
CET1(…
capit…
ratio
of
8.9%(…
and
TCE(1…
of
6.9%
•TBV
per
common
share…
$9.47
was
down
$0.18,
or 2%,
from
the
prior
quart…
large…
due to
the
impact
of
market
inter…
rates
unfav…
impac…
AOCI
•Repu…
$100
milli…
of
common
share…
bring…
Key the
Q3 total
Fina… to
Data $409
($ in milli…
mill… and
exce… repre…
per appro…
share 25
data) milli…
Summ… shares
Inco… repur…
Stat… 3Q26 2Q26 3Q25 year‑…
──────────────────────────────────────────────────────────────────────────────
Net
inte… $ 2,069 $ 2,052 $ 1,506
inco…
Net
inte…
inco… 2,090 2,072 1,523
-
FTE(…
Noni… 722 785 628
inco…
Total 2,791 2,837 2,134
reve…
Total
reve… 2,812 2,857 2,151
-
FTE(…
Noni… 1,772 1,809 1,246
expe…
Net
inco…
appl… 680 686 602
to
comm…
shar…
PPNR… 1,040 1,048 905
Key
Metr…
Dilu… $ 0.33 $ 0.33 $ 0.41
EPS
TBV
per 9.47 9.65 9.54
comm…
shar…
Retu…
on 1.01 % 1.02 % 1.19 %
aver…
asse…
ROCE 9.1 9.3 12.4
ROTC… 14.6 15.1 17.8
Adju… 16.6 17.5 17.4
ROTC…
Net
inte… 3.25 3.21 3.13
marg…
- FTE
Effi… 61.2 61.5 57.4
rati…
TCE 6.9 7.1 6.8
rati…
CET1 10.1 10.0 10.6
rati…
Adju…
CET1 8.9 9.0 9.2
rati…
NCO 0.31 0.25 0.22
ratio
NPA 0.90 0.85 0.60
ratio
ACL 1.75 1.78 1.86
ratio
Aver…
Bala…
Earn… $ 255,2… $ 258,… $ 192,…
asse…
Loans
and 188,4… 189,2… 135,9…
leas…
Depo… 223,8… 223,4… 164,8…
CEO Commentary
"Huntington delivered a solid quarter, reflecting disciplined execution and
continued business momentum across the franchise," said Steve Steinour,
Huntington chairman and chief executive officer. "We are also seeing increasing
benefits from our recent partnerships with Veritex and Cadence, and are
achieving our targeted cost and revenue synergies. Our results reflect our
disciplined growth strategy, in line with our aggregate moderate-to-low risk
profile, and give us confidence that we are on track to meet our financial
targets and deliver sustained growth in earnings, tangible book value and long-
term shareholder returns."
Contact
Analysts: Eric Wasserstrom (huntington.investor.relations@huntington.com),
614.480.5676
Media: Tracy Pesho (media@huntington.com), 216.276.3301
(1) Represents a non-GAAP financial measure. For additional details, see the
"Use of Non-GAAP Financial Measures" section of this release and reconciliations
to the comparable GAAP financial measure included in this release or
Huntington's Quarterly Financial Supplement.
(2) Represents ROTCE, excluding the impact of Notable Items.
(3) Preliminary at September 30, 2026.
Notable Items Influencing Earnings
The following table details certain items that we believe are important to
understanding corporate performance and trends (see Basis of Presentation).
($
in
mil…
exc…
per
sha…
Thr…
Mon…
End…
Sep… Pre…
30, Imp… Afte… Net
2026 Amo… Impa… Inc… EPS(…
──────────────────────────────────────────────────────────────────────────────
Net
inc…
and $ 721 $ 0.33
EPS
(GA…
• Acqu… $ -117 -92 -0.…
expe…
Acqu…
equi…
• secu… -8 -6 —
conv…
adju…
Adj…
net
inc… $ 819 $ 0.38
and
EPS
(no…
Thr…
Mon…
End…
June
30,
2026
Net
inc…
and $ 727 $ 0.33
EPS
(GA…
• Acqu… $ -152 -116 -0.…
expe…
Adj…
net
inc… $ 843 $ 0.39
and
EPS
(no…
Thr…
Mon…
End…
Sep…
30,
2025
Net
inc…
and $ 629 $ 0.41
EPS
(GA…
• Acqu… $ -14 -11 -0.…
expe…
FDIC
• DIF 6 5 0.01
spec…
asse…
Gain
on
sale
of a
port…
• of a 24 19 0.01
corp…
trust
and
cust…
busi…
Adj…
net
inc… $ 616 $ 0.40
and
EPS
(no…
(1) Favorable (unfavorable) impact.
(2) EPS reflected on a fully diluted basis.
(3) Represents the updated estimates on the uninsured deposit losses and
recoverable assets related to the FDIC DIF special assessment. These amounts are
recorded in other noninterest expense.
2
Net Interest Income, Net Interest Margin, and Average Balance Sheet
Net Interest Income, Net Interest Margin, Average Balances, and Yields/Rates
… … …
──────────────────────────────────────────────────────────────────────────────
… $ … % … …
… 1 4 …
… $ … … …
… % 4 …
… $ … % … …
… … … …
… … … …
… … … …
… … … …
… % 2 …
… — …
… … …
… … …
… 2 …
… 2 …
(1) Calculated on a fully-taxable equivalent (FTE) basis, which represents a
non-GAAP measure, assuming a 21% tax rate. See Page 6 of Quarterly Financial
Supplement for additional yield/rate detail.
Fully-taxable equivalent (FTE) net interest income for the third quarter
increased $18 million, or 1%, from the prior quarter, driven by a 4 basis point
increase in the net interest margin (NIM). The increase in NIM reflected higher
earning-asset yields, primarily from reinvestment into higher yielding
investment securities, and a decrease in average total borrowings, partially
offset by higher deposit costs.
• Average earning assets decreased $3.3 billion, or 1% , primarily due to a $2.7
billion, or 16%, decrease in interest-earning deposits with banks and a $806
million decrease in average loans and leases.
• The yield on total investment and other securities increased quarter-over-
quarter.
• Average interest-bearing liabilities decreased $3.3 billion , or 2% ,
primarily due to a $3.6 billion, or 16%, decrease in average total borrowings,
partially offset by a $267 million increase in interest-bearing deposits.
• The average cost of total deposits increased 2 basis points quarter-over-
quarter.
Fully-taxable equivalent (FTE) net interest income for the third quarter
increased $567 million, or 37%, from the year-ago quarter, driven by higher
average earning assets and an increase in NIM, partially offset by higher
interest-bearing liabilities. NIM was 3.25%, up 12 basis points, reflecting a
decrease in deposit costs, partially offset by lower earning-asset yields.
• Average earning assets increased $62.5 billion, or 32%, primarily due to a
$52.5 billion, or 39%, increase in average loans and leases driven by loans
acquired in the Cadence and Veritex acquisitions, in addition to organic loan
growth.
• The yield on the total loan and lease portfolio was 5.84% , a decrease of 12
basis points.
• Average interest-bearing liabilities increased $48.5 billion, or 31%,
primarily due to a $47.9 billion, or 35%, increase in interest-bearing deposits
driven by deposits acquired in the Cadence and Veritex acquisitions, in addition
to organic deposit growth.
• The average cost of total deposits was 1.90%, a decrease of 10 basis points.
3
Average Loans and Leases
…
… … … … … Y…
──────────────────────────────────────────────────────────────────────────────
$ … $ … $ … $ … 1 % $ 2… … %
… … … … … 1… …
… … … — — 0… 4
… … … … — 4… …
… … … … … 8… …
… … … … … -… …
… … … — — 1… …
… … … … 2 -… …
… … … … 2 0… …
… … … … … 1… …
$ … $ … $ … $ … — % $ 5… … %
See Page 4 of Quarterly Financial Supplement for additional detail.
Average total loans and leases decreased $806 million quarter-over-quarter.
• Average commercial loan balances decreased $303 million, primarily driven by
an $854 million, or 4%, decrease in average commercial real estate loans,
partially offset by a $553 million, or 1%, increase in average commercial and
industrial loans.
• Average consumer loans decreased $503 million, or 1%, primarily driven by a
$332 million, or 1%, decrease in average residential mortgage and a $311 million
, or 2% , decrease in average automobile loans.
Average total loans and leases increased $52.5 billion, or 39%, from the year-
ago quarter, largely due to the impact of the Cadence and Veritex acquisitions,
in addition to organic loan growth over the last year.
• Average commercial loans increased $42.1 billion, or 54%, primarily driven by
a $29.5 billion, or 48%, increase in average commercial and industrial loans and
a $12.4 billion, or 116%, increase in average commercial real estate loans.
• Average consumer loans increased $10.4 billion, or 18%, primarily driven by a
$8.7 billion, or 35% increase in average residential mortgage loans and a $1.6
billion, or 16%, increase in average home equity loans.
4
Average Deposits
($
in Q…
b… E… 3… 2Q… C… 3Q… LQ Y…
──────────────────────────────────────────────────────────────────────────────
…
…
…
… $ 4… $ 40… $ 29… $ 0… — % $ 1… 38 %
-
…
…
… 6… 62… 46… 1… 2 1… 39
-
…
…
… 1… 10… 75… 1… 1 2… 38
…
…
… 7… 75… 62… 2… 3 1… 25
…
… 1… 18… 15… -… -1 3… 25
…
… 2… 26… 12… -… -11 1… 86
…
… $ 2… $ 22… $ 16… $ 0… — % $ 5… 36 %
…
See Page 5 of Quarterly Financial Supplement for additional detail.
Average total deposits increased $413 million compared to the prior quarter.
• Average interest-bearing deposits increased $267 million.
• Average noninterest-bearing deposits increased $146 million.
Average total deposits increased $59.0 billion , or 36%, from the year-ago
quarter , largely due to the impact of the Cadence and Veritex acquisitions, in
addition to organic deposit growth over the last year .
• Average interest-bearing deposits increased $47.9 billion, or 35%.
• Average noninterest-bearing deposits increased $11.1 billion, or 38%.
5
Noninterest Income
Noninterest Income
($
in Q…
m… E… 3… 2… C… 3… LQ YOY
──────────────────────────────────────────────────────────────────────────────
…
…
… $ 2… $ 2… $ 1… $ 7 3 % $ 37 21 %
…
…
…
…
… 1… 1… 1… -3 -2 27 26
…
…
…
…
… 1… 1… 1… -4 -3 22 22
…
…
…
…
… 1… 1… 94 -… -… 28 30
…
…
…
… 45 53 43 -8 -… 2 5
…
…
…
…
… — 2 — -2 NM — —
…
…
…
…
… 89 1… 1… -… -… -22 -…
…
…
… $ 7… $ 7… $ 6… $ -… -8 % $ 94 15 %
…
…
…
…
…
…
…
…
…
…
…
…
…
…
a
… $ — $ — $ 24 $ — NM $ -24 NM
…
…
…
…
…
…
…
…
… -8 — — -8 NM -8 NM
…
…
…
…
… $ 7… $ 7… $ 6… $ -… -7 % $ 126 21 %
…
…
…
…
…
…
…
…
…
…
…
… $ 11 $ 8 $ -2 $ 3 38 % $ 13 NM
…
…
…
…
…
…
…
NM - Not Meaningful
(1) In the third quarter of 2026, we reclassified insurance income and leasing
revenue into other noninterest income. Prior period amounts have been revised to
conform with the current period presentation.
Noninterest income decreased $63 million, or 8% , from the prior quarter.
Excluding the impact of Notable Items, noninterest income decreased $55 million,
or 7% , from the prior quarter.
• Capital markets and advisory fees decreased primarily due to lower
underwriting and advisory fees.
• Other noninterest income decreased due largely to unfavorable valuation
changes for strategic investment and other investments and a decrease in leasing
revenue.
Compared with the year-ago quarter, noninterest income increased $94 million, or
15%. Excluding the impact of Notable Items, noninterest income increased $126
million , or 21%, over the year-ago quarter.
• The third quarter of 2026 included the full quarter impact of the Cadence and
Veritex acquisitions.
• Payments and cash management revenue increased driven by higher cash
management and interchange revenue.
• Capital markets and advisory fees increased primarily due to fees from the
legacy business and the impact of Janney and TM Capital, in addition to higher
syndication fees.
• Wealth and asset management revenue increased due largely to higher investment
management and trust income.
• Customer deposit and loan fees increased driven by increases in loan
commitment fees and the volume of personal service charges .
6
Noninterest Expense
Noninterest Expense
($
in Q…
m… E… 3… 2… Ch… 3… LQ YOY
──────────────────────────────────────────────────────────────────────────────
… $ 9… $ 1… $ 7… $ -20 -2 % $ 233 31 %
…
…
…
… 2… 3… 1… -36 -… 92 46
…
…
…
… 79 96 66 -17 -… 13 20
… 96 90 57 6 7 39 68
…
… 38 31 31 7 23 7 23
…
… 54 38 34 16 42 20 59
…
… 49 54 11 -5 -9 38 3…
…
…
… 1… 1… 92 12 7 84 91
…
…
… $ 1… $ 1… $ 1… $ -37 -2 % $ 526 42 %
…
…
…
…
… 2… 2… 2… -0… -2 % 5.7 28 %
…
…
(1) In the third quarter of 2026, we reclassified deposit and other insurance
expense and lease financing equipment depreciation into other noninterest
expense. Prior period amounts have been revised to conform with the current
period presentation.
7
Impact of Notable Items
($ in millions) Quarter Ended 3Q26 2Q26 3Q25
──────────────────────────────────────────────────────────────────────────────
Personnel costs $ 33 $ 38 $ —
Outside data
processing and 52 74 3
other
services
Equipment 2 15 1
Net occupancy 10 2 —
Professional 5 4 9
services
Marketing 2 8 —
Other
noninterest 13 11 -5
expense
Total
noninterest $ 117 $ 152 $ 8
expense
Acquisition-rel…
expenses $ 117 $ 152 $ 14
included in
Notable Items
Adjusted Noninterest Expense (Non-GAAP)
($
in Q…
m… E… 3… 2Q… C… 3Q… LQ YOY
──────────────────────────────────────────────────────────────────────────────
… $ 9… $ 972 $ 757 $ -… -2 % $ 200 26 %
…
…
…
… 2… 252 195 -… -6 43 22
…
…
…
… 77 81 65 -4 -5 12 18
… 86 88 57 -2 -2 29 51
…
… 33 27 22 6 22 11 50
…
… 52 30 34 22 73 18 53
…
… 49 54 11 -5 -9 38 3…
…
…
… 1… 153 97 10 7 66 68
…
…
… $ 1… $ 1,… $ 1,… $ -2 -— % $ 417 34 %
…
…
Noninterest expense, excluding the impact of Notable Items, decreased $2 million
from the prior quarter.
• Personnel costs decreased primarily due to lower salary, benefit, and
incentive compensation expense .
• Outside data processing and other services decreased primarily reflecting
lower technology and data expense .
• Marketing expense increased due largely to higher levels of expense in our
expanding geographic areas.
Compared with the year-ago quarter, noninterest expense, excluding the impact of
Notable Items, increased $417 million, or 34%.
• The third quarter of 2026 included the full quarter impact of the Cadence and
Veritex acquisitions.
• Personnel costs increased primarily due to higher salary and benefit expense .
• Outside data processing and other services increased primarily reflecting
higher technology and data expense .
• Amortization of intangibles increased primarily due to the impact of the
addition of core deposit intangibles from the acquisitions.
• Net occupancy increased largely due to higher lease and depreciation expense.
• Other noninterest expense increased primarily due to an increased volume of
expense activity driven by the impact of the acquisitions.
8
Credit Quality
Credit Quality Metrics
($
in Sep Jun Mar Dec Sep
m… 30, 20… 30, 31, 31, 20… 30,
──────────────────────────────────────────────────────────────────────────────
T…
n…
l… $ 1,… $ 1,… $ 1,… $ 931 $ 8…
a…
l…
T…
o…
r… 25 23 22 13 10
e…
n…
O… — — 3 1 3
N…
T…
n… 1,… 1,… 1,… 945 8…
a…
A…
l…
a…
l… 477 443 421 282 2…
p…
d…
9…
d…
N…
+
a…
l…
& $ 2,… $ 2,… $ 1,… $ 1,… $ 1…
l…
p…
d…
9…
d…
N… 0.… % 0.… % 0.… % 0.… % 0… %
r…
N… 0.… 0.… 0.… 0.… 0…
r…
(… 1.… 1.… 0.… 0.… 0…
d…
P…
f… $ 123 $ 132 $ 158 $ 123 $ 1…
c…
l…
N… 146 119 111 89 75
c…
N…
c…
/
A… 0.… % 0.… % 0.… % 0.… % 0… %
t…
l…
a…
l…
A…
f…
l…
a… $ 3,… $ 3,… $ 3,… $ 2,… $ 2…
l…
l…
(…
A…
f…
u… 136 132 125 206 1…
l…
c…
A…
f…
c… $ 3,… $ 3,… $ 3,… $ 2,… $ 2…
l…
(…
A…
as
a
%
o…
T…
l… 1.… % 1.… % 1.… % 1.… % 1… %
a…
l…
N… 190 204 243 272 2…
N… 187 202 239 269 2…
A…
as
a
%
o…
T…
l… 1.… % 1.… % 1.… % 1.… % 1… %
a…
l…
N… 198 213 253 295 3…
N… 195 210 248 290 3…
(1) Other nonperforming assets include certain impaired securities and/or
nonaccrual loans held-for-sale.
(2) Total NALs as a % of total loans and leases.
(3) Total NPAs as a % of sum of loans and leases, other real estate owned, and
other NPAs.
See Pages 9-11 of Quarterly Financial Supplement for additional detail.
NPAs totaled $1.7 billion at September 30, 2026, an increase of $110 million
from the prior quarter primarily driven by increases in commercial and
industrial, commercial real estate, and residential mortgage NALs. Compared to a
year ago, NPAs were up $901 million driven by increases in commercial and
industrial, residential mortgage, commercial real estate, and home equity NALs,
including NALs acquired as part of the Cadence and Veritex transactions.
The provis ion for credit losses was $123 million in the 2026 third quarter, a
decrease of $9 million quarter-over-quarter and an increase of $1 million year-
over-year. NCOs of $146 million increased $27 million quarter-over-quarter and
$71 million year-over-year. NCOs represented an annualized 0.31% of average
loans and leases in the current quarter, up from 0.25% in the prior quarter and
0.22% in the year-ago quarter. Commercial and consumer net charge-offs were
0.27% and 0.38%, respectively, for the 2026 third quarter.
The ALLL was $3.2 billion and the ACL was $3.4 billion at September 30, 2026.
The ACL ratio was 1.75% at September 30, 2026, 3 basis points lower than the
prior quarter and 11 basis points lower than a year-ago.
9
Capital
Capital Ratios
20… 20…
($ Sep Jun Mar Dec Sep
in 30, 30, 31, 31, 30,
b…
T…
c…
e…
/ 6.9 % 7.1 % 7.0 % 7.1 % 6… %
t…
a…
r…
C…
e…
t…
1 10… 10… 10… 10… 1…
r…
c…
r…
R…
T…
1 11… 11… 11… 12… 1…
r…
c…
r…
R…
T…
r… 13… 13… 13… 14… 1…
c…
r…
T…
r… $ 21… $ 21… $ 20… $ 16… $ 1…
a…
(1) Preliminary at September 30, 2026.
See Pages 12-13 of Quarterly Financial Supplement for additional detail.
The tangible common equity to tan gible assets ratio was 6.9% at September 30,
2026, compared to 7.1% at June 30, 2026, with the decrease primarily due to a
decline in accumulated other comprehensive income from higher market interest
rates, as well as an increase in tangible assets driven by higher interest-
earning deposits with banks, partially offset by current period earnings, net of
dividends and share repurchases . Common Equity Tier 1 (CET1) risk-based capital
ratio was 10.1% at September 30, 2026, compared to 10.0% at June 30, 2026, with
the increase driven by current period earnings, net of dividends, partially
offset by the impact of share repurchases and modestly higher risk-weighted
assets.
Income Taxes
The provision for income taxes was $172 million in the 2026 third quarter,
compared to $165 million in the 2026 second quarter. The effective tax rate for
the 2026 third quarter was 19.3%, compared to 18.4% for the 2026 second quarter
. The increase in the effective tax rate was primarily driven by higher non-
deductible expenses in the current quarter.
Conference Call / Webcast Information
Huntington’s senior management will host an earnings conference call on October
22, 2026, at 9:00 a.m. (Eastern Time). The call may be accessed via a live
Internet webcast at the Investor Relations section of Huntington’s website,
www.huntington-ir.com, or through a dial-in telephone number at (877) 407-8029;
Conference ID #13762987. Slides will be available in the Investor Relations
section of Huntington’s website about an hour prior to the call. A replay of the
webcast will be archived in the Investor Relations section of Huntington’s
website. A telephone replay will be available approximately two hours after the
completion of the call through October 30, 2026 at (877) 660-6853 or (201)
612-7415; conference ID #13762987.
Please see the 2026 Third Quarter Quarterly Financial Supplement for additional
detailed finan cial performance metrics. This document can be found on the
Investor Relations section of Huntington's website, http://www.huntington-
ir.com.
About Huntington
Huntington Bancshares Incorporated is a $288 billion asset regional bank holding
company headquartered in Columbus, Ohio. A top 10 U.S. commercial bank, The
Huntington National Bank and its affiliates provide consumers, small and
middle‐market businesses, corporations, municipalities, and other organizations
with a comprehensive suite of banking, payments, wealth management, and risk
management products and services. Founded in 1866, Huntington operates
approximately 1,400 branches in 21 states, with certain businesses operating
nationally. Visit Huntington.com for more information.
10
Caution Regarding Forward-Looking Statements
This communication may contain certain forward-looking statements, including,
but not limited to, certain plans, expectations, goals, projections, and
statements which are not historical facts and are subject to numerous
assumptions, risks, estimates, and uncertainties that are beyond the control of
Huntington . Statements that do not describe historical or current facts,
including statements about beliefs and expectations, are forward-looking
statements. Forward-looking statements may be identified by words such as
expect, anticipate, continue, believe, intend, estimate, plan, trend, objective,
target, goal, or similar expressions, or future or conditional verbs such as
will, may, might, should, would, could, or similar variations. The forward-
looking statements are intended to be subject to the safe harbor provided by
Section 27A of the Securities Act of 1933, Section 21E of the Securities
Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995.
While there is no assurance that any list of risks and uncertainties or risk
factors is complete, below are certain factors which could cause actual results
to differ materially from those contained or implied in the forward-looking
statements or historical performance: changes in general economic, political,
regulatory, or industry conditions; deterioration in business and economic
conditions, including persistent inflation, supply chain issues or labor
shortages; instability in global economic conditions and geopolitical
conditions, including U.S. direct involvement in war and other conflicts, as
well as volatility in financial markets; changes in U.S. trade policies,
including the imposition of tariffs and retaliatory tariffs; the impact of
pandemics and other catastrophic events or disasters on the global economy and
financial market conditions and our business, results of operations, and
financial condition; the impacts related to or resulting from bank failures and
other volatility, including potential increased regulatory requirements and
costs, such as Federal Deposit Insurance Corporation ("FDIC") special
assessments, long-term debt requirements and heightened capital requirements;
potential impacts to macroeconomic conditions, which could affect the ability of
depository institutions, including us, to attract and retain depositors and to
borrow or raise capital; unexpected outflows of deposits which may require us to
sell investment securities at a loss; changing interest rates which could
negatively impact the value of our portfolio of investment securities; the loss
of value of our investment portfolio which could negatively impact market
perceptions of us and could lead to deposit withdrawals; market perceptions of
us and banks generally, including from the effects of social media;
cybersecurity risks; uncertainty in U.S. fiscal and monetary policy, including
the interest rate policies of the Board of Governors of the Federal Reserve
System ("Federal Reserve"); volatility and disruptions in global capital,
foreign exchange, and credit markets; movements in interest rates; competitive
pressures on product pricing and services; success, impact, and timing of our
business strategies, including market acceptance of any new products or services
including those implementing our “Fair Play” banking philosophy; introduction of
new competitive products, such as stablecoins, and new competitors, such as
financial technology companies and other “nontraditional” bank competitors;
changes in policies and standards for regulatory review of bank mergers; the
nature, extent, timing, and results of governmental actions, examinations,
reviews, reforms, regulations, and interpretations, including those related to
the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III
regulatory capital reforms, as well as those involving the Securities and
Exchange Commission ("SEC"), the Office of the Comptroller of the Currency, the
Federal Reserve, the FDIC, the Consumer Financial Protection Bureau, and state-
level regulators; the possibility that the anticipated benefits of recent or
proposed acquisitions are not realized when expected or at all, including as a
result of the impact of, or problems arising from, the integration of the
companies or as a result of the strength of the economy and competitive factors
in the areas where the companies do business; and other factors that may affect
the future results of Huntington.
11
All forward-looking statements are expressly qualified in their entirety by the
cautionary statements set forth above. Forward-looking statements speak only as
of the date they are made and are based on information available at that time.
Huntington does not assume any obligation to update forward-looking statements
to reflect actual results, new information or future events, changes in
assumptions or changes in circumstances or other factors affecting forward-
looking statements that occur after the date the forward-looking statements were
made or to reflect the occurrence of unanticipated events except as required by
federal securities laws. If Huntington updates one or more forward-looking
statements, no inference should be drawn that Huntington will make additional
updates with respect to those or other forward-looking statements. As forward-
looking statements involve significant risks and uncertainties, caution should
be exercised against placing undue reliance on such statements. See also the
other reports filed with the SEC, including discussions under the "Forward-
Looking Statements" and "Risk Factors" of Huntington’s Annual Report on Form
10-K for the year ended December 31, 2025 and in its subsequent Quarterly
Reports on Form 10-Q, including for the quarters ended March 31, 2026 and June
30, 2026, as filed with the SEC and available on its website at www.sec.gov.
Basis of Presentation
Use of Non-GAAP Financial Measures
This document contains GAAP financial measures and non-GAAP financial measures
where management believes it to be helpful in understanding Huntington’s results
of operations or financial position. Where non-GAAP financial measures are used,
the comparable GAAP financial measure, as well as the reconciliation to the
comparable GAAP financial measure, can be found in this document, the financial
supplement, conference call slides, or the Form 8-K related to this document,
all of which can be found in the Investor Relations section of Huntington’s
website, http://www.huntington-ir.com.
Annualized Data
Certain returns, yields, performance ratios, or quarterly growth rates are
presented on an “annualized” basis. This is done for analytical and decision-
making purposes to better discern underlying performance trends when compared to
full-year or year-over-year amounts. For example, loan and deposit growth rates,
as well as net charge-off percentages, are most often expressed in terms of an
annual rate like 8%. As such, a 2% growth rate for a quarter would represent an
annualized 8% growth rate.
Fully-Taxable Equivalent Interest Income and Net Interest Margin
Income from tax-exempt earning assets is increased by an amount equivalent to
the taxes that would have been paid if this income had been taxable at statutory
rates. This adjustment puts all earning assets, most notably tax-exempt
municipal securities, and certain lease assets, on a common basis that
facilitates comparison of results to results of competitors.
Rounding
Please note that items in this document may not add due to rounding.
Notable Items
From time to time, revenue, expenses, or taxes are impacted by items judged by
management to be outside of ordinary banking activities and/or by items that,
while they may be associated with ordinary banking activities, are so unusually
large that their outsized impact is believed by management at that time to be
infrequent or short term in nature. We refer to such items as “Notable Items.”
Management believes it is useful to consider certain financial metrics with and
without Notable Items, in order to enable a better understanding of company
results, increase comparability of period-to-period results, and to evaluate and
forecast those results.
12
Glossary of Acronyms
ACL Allowance for Credit Losses
Adjusted CET1 CET1, including the impact of AOCI, excluding cash flow
hedges
ALLL Allowance for Loan and Lease Losses
AOCI Accumulated Other Comprehensive Income
Cadence Cadence Bank
CEO Chief Executive Officer
CET1 Common Equity Tier 1
CRE Commercial Real Estate
C&I Commercial and Industrial
DIF Deposit Insurance Fund
EPS Earnings Per Common Share
FDIC Federal Deposit Insurance Corporation
FTE Fully Taxable Equivalent
GAAP Generally Accepted Accounting Principles
LQ Linked Quarter
NAL Nonaccrual Loan
NCI Non-controlling Interest
NCO Net Charge-Off
NIM Net Interest Margin
NPA Nonperforming Asset
OREO Other Real Estate Owned
PPNR Pre-Provision Net Revenue
ROCE Return on Average Common Equity
ROTCE Return on Average Tangible Common Equity
SEC Securities and Exchange Commission
TBV Tangible Book Value
TCE Tangible Common Equity
Veritex Veritex Holdings, Inc. and Veritex Community Bank
YOY Year-Over-Year
13