The Huntington National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 75.7% in Q2 2026, from $1.07B to $1.89B. It was the largest change from Q1 2026 among the key lines here. The Huntington National Bank ranks 70th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 84.18% (Q2 2026). The Huntington National Bank reported 84.18% on loan-to-deposit ratio for Q2 2026, 22.49 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $191.19B |
| Net loans and leases | $187.94B |
| Loans held for sale | $1.89B |
| Loans to total assets | 67.54% |
| Loan-to-deposit ratio | 84.18% |
| Net loans to equity capital | 5.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.50% |
| Multifamily (5+ residential) | 2.55% |
| Commercial and industrial | 28.45% |
| Consumer | 12.69% |
| Credit cards | 0.53% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.86% |
| Construction concentration (Tier 1 capital + allowance) | 18.43% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.71B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $121.37B | $153.31B | 11.64% | 28.27% | 16.88% |
| Q4 2023 | $122.42B | $155.52B | 11.37% | 28.52% | 16.55% |
| Q1 2024 | $123.16B | $157.65B | 11.44% | 28.88% | 16.56% |
| Q2 2024 | $125.00B | $159.23B | 11.03% | 28.64% | 16.99% |
| Q3 2024 | $126.95B | $162.82B | 10.80% | 28.60% | 17.40% |
| Q4 2024 | $130.60B | $166.96B | 10.54% | 28.63% | 17.41% |
| Q1 2025 | $132.96B | $169.56B | 10.49% | 29.41% | 17.33% |
| Q2 2025 | $135.71B | $167.40B | 10.17% | 29.35% | 17.46% |
| Q3 2025 | $138.66B | $169.74B | 10.11% | 29.28% | 17.54% |
| Q4 2025 | $150.94B | $180.60B | 11.50% | 28.39% | 16.26% |
| Q1 2026 | $189.77B | $227.51B | 14.94% | 28.07% | 12.93% |
| Q2 2026 | $191.19B | $227.12B | 14.50% | 28.45% | 12.69% |
The Huntington National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Huntington National Bank, freeSource: Call Report Schedule RC-C, 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 The Huntington National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6560) · FFIEC NIC profile (RSSD 12311)