HUNTINGTON BANCSHARES $HBAN Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $2.81B 🔹 Adj. EPS: $0.38 (Est. $0.37) 🟢 🔹 GAAP EPS: $0.33 🔹 Net Interest Income: $2.07B 🔹 Noninterest Income: $722M Other Q3 Metrics: 🔹 Net Interest Margin: 3.25% 🔹 Avg Loans & Leases: $188.4B 🔹 Avg Deposits: $223.8B 🔹 Net Income: $680M 🔹 Net Charge-offs: 0.31% 🔹 CET1 Ratio: 10.1% 🔹 ROTCE: 14.6% (16.6% adj.) 🔹 Tangible Book Value/Share: $9.47 Capital Return: 🔹 Buybacks: $100M Comments: 🔸 “We are also seeing increasing benefits from our recent partnerships with Veritex and Cadence, and are achieving our targeted cost and revenue synergies.”

Huntington Bancshares’ recent promotion of Brant Standridge to the role of president sets up the longtime bank executive to take over whenever CEO Steve Steinour opts to step back.

Huntington Beach 4th of July Parade circa 1935. Southern California mounted band of Ace Riding Academy from Bell, California in the Huntington Beach Parade. #HuntingtonBeach# #4thofJuly# #July4# #July4th# #parade# #IndependenceDay# #FourthofJuly#

Huntington Beach 4th of July Parade circa 1945. Marching band and military in the Huntington Beach Parade. In the background are Huntington Beach oil derricks. #HuntingtonBeach# #4thofJuly# #July4# #July4th# #parade# #IndependenceDay# #FourthofJuly#

Huntington Beach 4th of July Parade 1961. A float by the Huntington Beach Rotary Club in the HB Parade. In the background is the Huntington Beach Fire Department. @Rotary #HuntingtonBeach# #4thofJuly# #July4# #July4th# #parade# #IndependenceDay# #FourthofJuly#