BlastPoint's Banking Scorecard
The Huntington National Bank
Columbus, OH
1,625 branches across MI · OH · TX · IL · MS · MN · AL · PA · CO · GA · IN · AR · TN · WV · LA · FL · WI · KY · NC · MO · SC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 18 banks in the $250B+ peer group nationwide — 1 of 4 in OH.
- Deposits +35.7% year over year ($227.1B on the books).
- Delinquency rate 1.08%.
- Return on assets 1.09%.
- Efficiency ratio 59.91% vs a 52.80% peer average.
- Loan-to-deposit ratio 82.75% vs a 59.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Huntington National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.56% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 33.3% in tier
- - ROA 0.09% below tier average
- - Delinquency Rate 0.30% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$283.1B
+37.0% YoY
-0.4% QoQ
|
-$653.2B |
$936.3B
-15.8% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$187.9B
+40.9% YoY
+0.8% QoQ
|
-$221.6B |
$409.5B
-13.1% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$227.1B
+35.7% YoY
-0.2% QoQ
|
-$486.1B |
$713.2B
-15.8% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.09%
-6.4% YoY
+9.5% QoQ
|
-0.09% |
1.17%
+26.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.50%
+7.1% YoY
+0.7% QoQ
|
+0.56% |
2.94%
-1.8% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 11.1% in tier |
| Efficiency Ratio ? |
59.91%
+10.1% YoY
-3.0% QoQ
|
+7.11% |
52.80%
-5.4% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
1.08%
+33.0% YoY
+14.4% QoQ
|
+0.30% |
0.78%
-21.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
82.75%
+3.9% YoY
+0.9% QoQ
|
+23.71% |
59.04%
+5.5% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
19.69%
+0.9% YoY
+0.0% QoQ
|
+3.39% |
16.30%
-11.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.72%
+37.0% YoY
+15.5% QoQ
|
+0.31% |
0.42%
-12.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
12.02%
-1.6% YoY
-1.9% QoQ
|
-3.19% |
15.20%
+5.2% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.42%
-1.4% YoY
+119.4% QoQ
|
-0.23% |
0.64%
-10.8% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
28% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.7%
+0.2pp YoY 0.0pp QoQ |
+3.4pp | 16.3% | 18.8% | 22.2% | 44% |
| Brokered Deposits |
4.4%
-0.3pp YoY -0.2pp QoQ |
-2.6pp | 7.0% | 7.7% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.9%
-0.9pp YoY +0.4pp QoQ |
+9.4pp | 19.6% | 10.2% | 12.5% | 75% |
| CRE |
20.2%
+6.6pp YoY -0.5pp QoQ |
+7.9pp | 12.2% | 34.2% | 41.4% | 87% |
| 1-4 Family |
25.2%
-1.2pp YoY -0.1pp QoQ |
+4.6pp | 20.6% | 50.0% | 31.3% | 71% |
| Consumer |
12.9%
-4.9pp YoY -0.2pp QoQ |
-4.0pp | 16.9% | 4.7% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.4pp YoY -0.2pp QoQ |
-3.4pp | 15.2% | 22.1% | 19.7% | 11% |
| Leverage Ratio |
9.3%
+0.4pp YoY -0.9pp QoQ |
+0.5pp | 8.8% | 12.9% | 12.6% | 50% |
| Total Capital Ratio |
13.8%
-0.1pp YoY -0.3pp QoQ |
-2.5pp | 16.3% | 23.2% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25,478
+6251 (+32.5%) YoY +281 (+1.1%) QoQ |
-38,081 | 63,559 | 2,433 | 482 | 33% |
| Assets per Employee ($) |
$11.1M
+3.4% YoY -1.5% QoQ |
-$50.0M | $61.1M | $7.6M | $8.8M | 33% |
| Branch Count |
1,477
+459 (+45.1%) YoY +5 (+0.3%) QoQ |
+69 | 1,407 | 81 | 18 | 56% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.4% | 62% |
| Nonaccrual |
0.8%
+0.2pp YoY +0.1pp QoQ |
+0.3pp | 0.6% | 0.6% | 1.0% | 72% |
| Allowance Coverage |
1.60x
-25.6% YoY -13.1% QoQ |
-0.54x | 2.14x | 18.95x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.5% | 0.1% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
-2.3pp YoY +0.7pp QoQ |
-3.0pp | 12.4% | 9.7% | 11.6% | 17% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 2.2% | 1.7% | 1.7% | 56% |
| Net Income ($, YTD) |
$1.4B
+19.8% YoY — QoQ |
-$4.4B | $5.9B | $259.3M | $40.4M | 22% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.