BlastPoint's Banking Scorecard
The Huntington National Bank
Columbus, OH
1,621 branches across MI · OH · TX · IL · MS · MN · AL · PA · GA · IN · AR · CO · TN · WV · LA · FL · WI · KY · MO · NC · SC
The Huntington National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 33.3% in tier
- - Cost Spiral: Bottom 40.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.1B
+36.5% YoY
+26.8% QoQ
|
-$723.0B |
$1,007.1B
-0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.5% in tier |
| Total Loans ? |
$186.5B
+42.7% YoY
+25.7% QoQ
|
-$249.7B |
$436.2B
+3.5% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$227.5B
+34.2% YoY
+26.0% QoQ
|
-$539.5B |
$767.0B
-1.7% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.5% in tier |
| Return on Assets ? |
0.99%
-15.0% YoY
-17.4% QoQ
|
-0.15% |
1.15%
+9.3% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.48%
+7.6% YoY
+5.1% QoQ
|
+0.43% |
3.05%
+6.7% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 12.5% in tier |
| Efficiency Ratio ? |
61.78%
+13.6% YoY
+12.3% QoQ
|
+5.89% |
55.89%
+3.9% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.94%
+24.2% YoY
+14.8% QoQ
|
+0.02% |
0.92%
-4.7% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
81.99%
+6.4% YoY
-0.2% QoQ
|
+23.34% |
58.65%
+11.5% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.69%
-3.0% YoY
-1.7% QoQ
|
+1.09% |
18.60%
+9.6% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.63%
+27.2% YoY
+14.1% QoQ
|
+0.14% |
0.48%
+3.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.26%
-2.8% YoY
-1.5% QoQ
|
-1.75% |
14.00%
-15.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.19%
-7.0% YoY
-77.6% QoQ
|
-0.16% |
0.35%
-0.9% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
19% |
Get Full Access to The Huntington National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.