Huntington Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 112.17 percentage points in Q2 2026, from 388.19% to 276.02%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Huntington Federal Savings Bank is 2nd from the bottom among 41 West Virginia banks, -0.31% (Q2 2026). Huntington Federal Savings Bank's return on assets of -0.31% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.55 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.07% |
| Equity capital to assets | 15.64% |
| Tangible equity to tangible assets | 15.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.24% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 276.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.31% |
| Return on equity | -1.97% |
| Net interest margin | 1.51% |
| Efficiency ratio | 127.41% |
| Yield on earning assets | 3.73% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.95% |
| Core deposits to total deposits | 87.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.36% |
| Securities to assets | 39.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.39% | -0.35% | 1.37% | 0.52% | 0.22% |
| Q4 2023 | 16.14% | -0.38% | 1.11% | 0.38% | 0.00% |
| Q1 2024 | 15.93% | -0.63% | 0.87% | 0.39% | -0.00% |
| Q2 2024 | 15.97% | -0.75% | 0.86% | 0.41% | 0.00% |
| Q3 2024 | 15.93% | -0.77% | 0.87% | 0.46% | -0.11% |
| Q4 2024 | 15.73% | -0.63% | 0.90% | 0.39% | 0.00% |
| Q1 2025 | 15.43% | -0.62% | 1.01% | 0.38% | -0.14% |
| Q2 2025 | 15.16% | -0.57% | 1.14% | 0.50% | 0.00% |
| Q3 2025 | 14.93% | -0.65% | 1.20% | 0.43% | 0.00% |
| Q4 2025 | 14.80% | -0.42% | 1.25% | 0.33% | 0.00% |
| Q1 2026 | 14.96% | -0.46% | 1.47% | 0.21% | -0.00% |
| Q2 2026 | 15.07% | -0.31% | 1.51% | 0.29% | 0.04% |
Huntington Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Huntington Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Huntington Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27884) · FFIEC NIC profile (RSSD 609476)