Huntington Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Huntington Federal Savings Bank is an FDIC-insured savings institution headquartered in Huntington, WV, established in 1929 (FDIC certificate 27884), and it is supervised by the OCC. At Q2 2026 it reported total assets of $532.3M, down 4.4% from Q2 2025, the 12th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27884
- Headquarters
- Huntington, WV
- Established
- 1929
- Total assets, Q2 2026
- $532.3M
- Assets vs Q2 2025
- -4.4%
- Tier 1 leverage ratio, Q2 2026
- 15.07%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 251573234
- Latest call report
- Q2 2026, FFIEC 051 · Huntington Federal Savings Bank call report
- Asset rank in state
- 12th of 40 in West Virginia
Huntington Federal Savings Bank spends more to run itself than most banks of its size. Based in Huntington, West Virginia, it had $532 million in assets at June 30, 2026, down 4.4% from a year earlier. It loses about $0.31 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 127 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $411,000 in the quarter. Unrealized losses on its securities total $22 million, equal to 27% of Tier 1 capital, against 30% a year earlier. Its margin is thin by comparison: it keeps 1.51 cents of net interest income on every dollar of earning assets, about a third the median of 3.95 cents for banks its size.
As of June 30, 2026, Huntington Federal Savings Bank reported a return on assets of -0.31%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Huntington Federal Savings Bank is the 12th largest of the 40 banks headquartered in West Virginia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $532.3M, loans fell 0.6% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 83.8% of total loans, followed by multifamily loans at 8.9%. The FDIC Summary of Deposits lists 5 offices for it, in Huntington, WV, Barboursville, WV and Hurricane, WV; its Huntington 3 offices book 83% of its branch deposits. On its Q2 2026 call report, Huntington Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1049 5th Ave, Huntington, WV 25701
- County
- Cabell
- Metro Area
- Huntington-Ashland, WV-KY-Oh
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1929
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $422.4M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $534.8M
- Average total loans
- $291.0M
- Average interest-bearing deposits
- $409.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27884
- Fed RSSD
- 609476
- Website
- www.huntingtonfederal.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Huntington Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Huntington Federal Savings Bank's total assets ran between $532.3M (Q2 2026) and $574.6M (Q4 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$532.3M total assets against $556.6M; $449.0M total liabilities against $471.2M.
$288.9M net loans and leases against $283.4M; $422.4M total deposits against $430.7M.
$211.4M securities against $239.3M; $17.6M cash and balances due against $20.8M.
$4.8M total interest income against $4.7M; $2.8M total interest expense against $3.2M.
$1.9M net interest income against $1.5M.
$188K total noninterest income against $67K; $2.7M total noninterest expense against $2.6M.
No provision recorded in the last 12 quarters.
-$411K net income against -$790K.
-0.31% return on assets against -0.57%; 1.51% net interest margin against 1.14%.
15.07% tier 1 leverage ratio against 15.16%.
Inside the full Huntington Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Huntington Federal Savings Bank rankings
Its closest position to the top of a national ranking is 1,705 of 4,196, for total assets; its furthest is 3,594 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.77% (Q3 2024) to -0.31% (Q2 2026) and its net interest margin ran from 0.87% (Q3 2024) to 1.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | -0.31% | 0.29% | 1.24% | 1.51% |
| Q1 2026 | 14.96% | -0.46% | 0.21% | 0.99% | 1.47% |
| Q4 2025 | 14.80% | -0.42% | 0.33% | 1.28% | 1.25% |
| Q3 2025 | 14.93% | -0.65% | 0.43% | 1.41% | 1.20% |
| Q2 2025 | 15.16% | -0.57% | 0.50% | 1.74% | 1.14% |
| Q1 2025 | 15.43% | -0.62% | 0.38% | 1.23% | 1.01% |
| Q4 2024 | 15.73% | -0.63% | 0.39% | 1.35% | 0.90% |
| Q3 2024 | 15.93% | -0.77% | 0.48% | 1.59% | 0.87% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Huntington Federal Savings Bank (main office) | Huntington , WV | 25701 | $270.9M |
| East Hills Branch | Huntington , WV | 25705 | $47.7M |
| Barboursville Branch | Barboursville , WV | 25504 | $38.6M |
| Westmoreland Branch | Huntington , WV | 25704 | $33.5M |
| Teays Valley Branch | Hurricane , WV | 25526 | $31.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- April 27, 2011, OCC (former OTS): Civil Money Penalty: Huntington Federal Savings Bank
- February 12, 1991, OCC (former OTS): Supervisory Agreement: Huntington Federal Savings and Loan Association
- Period: Most recent institution action April 27, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in WV, rank 21 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Huntington Federal Savings Bank
What are Huntington Federal Savings Bank's total assets?
As of the Q2 2026 filing, Huntington Federal Savings Bank reported total assets of $532.3 million in its FFIEC call report.
Where is Huntington Federal Savings Bank headquartered?
It is headquartered in Huntington, WV, United States.
When was Huntington Federal Savings Bank founded?
It was established in 1929, per the FDIC institution directory.
Is Huntington Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27884). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Huntington Federal Savings Bank?
Huntington Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Huntington Federal Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Huntington Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 1.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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