Total Assets
$224.0B
Total balance-sheet footings
FDIC Cert #6560 · Columbus, Ohio · Est. 1866
The Huntington National Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $224.0B
- Total assets
- A
- Health grade · Excellent
- 1.20%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Huntington National Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.72% Tier 1, profitable at 1.20% ROA, efficient (55% cost ratio).
- #19
- largest of 4,313 FDIC banks by assets
- 100th
- percentile by asset size, nationally
- 11.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 57th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Huntington National Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Huntington National Bank's composite health score
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (4.54%) 20/20
Efficiency Ratio (55.04%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$180.6B
Customer-funded liabilities
Net Loans
$148.4B
Outstanding loan book
Net Income
$2.5B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Huntington National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Huntington National Bank's score of 80/100 falls in the highlighted band.
The Huntington National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Huntington National Bank's $224.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.72%
Texas Ratio
4.54%
Equity Capital
$24.3B
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
11.79%
Efficiency Ratio
55.04%
What the numbers say about The Huntington National Bank
The Huntington National Bank is an FDIC-insured institution (Certificate #6560) headquartered in Columbus, Ohio, established in 1866. It holds $224.0B in total assets - 19th of 4,313 FDIC-insured banks, $180.6B in customer deposits, and $148.4B in net loans. Looking at capital strength, Tier 1 stands at 11.72%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.54%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
The Huntington National Bank's asset base places it among the largest FDIC-insured institutions in the country, 19th of 4,313 nationally, and 3rd of 158 banks headquartered in Ohio. Only U.S. Bank ($676.1B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$10.3B
Interest Income
$1.9B
Non-Interest Income
$4.6B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Huntington National Bank reports a Texas Ratio of 4.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
National size peers: banks closest to The Huntington National Bank by assets
The Huntington National Bank is closely matched in total assets by Citizens Bank, First-Citizens Bank & Trust Company, Fifth Third Bank, Manufacturers and Traders Trust Compa… across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.58%, versus The Huntington National Bank's own 1.20%; the average efficiency ratio is 59.06%, versus 55.04% here; and average Tier 1 capital sits at 12.62%, versus 11.72% at The Huntington National Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $224.0B in assets, The Huntington National Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| The Huntington National Bank (this bank) | OH | $224.0B | 1.20% | 55.04% | 11.72% |
| Citizens Bank, National Association | RI | $225.9B | 0.87% | 62.22% | 12.27% |
| First-Citizens Bank & Trust Company | NC | $229.3B | 1.00% | 62.36% | 12.55% |
| Fifth Third Bank, National Association | OH | $213.7B | 1.34% | 53.98% | 13.09% |
| Manufacturers and Traders Trust Company | NY | $212.9B | 1.40% | 53.40% | 12.13% |
| American Express National Bank | UT | $211.3B | 3.89% | 68.58% | 10.94% |
| BMO Bank National Association | IL | $252.1B | 0.95% | 53.85% | 14.74% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Huntington National Bank (FDIC Cert #6560) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
| Peoples BankMarietta | $9.6B | A | 1.27% |
Frequently asked questions
What is The Huntington National Bank's health grade?▼
The Huntington National Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Huntington National Bank?▼
The Huntington National Bank holds $224.0B in total assets and $180.6B in deposits, ranking 19th of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbus, Ohio.
Is my money safe at The Huntington National Bank?▼
Yes, deposits at The Huntington National Bank (Certificate #6560) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Huntington National Bank's Tier 1 Capital Ratio?▼
The Huntington National Bank has a Tier 1 Capital Ratio of 11.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Huntington National Bank?▼
The Huntington National Bank has a Texas Ratio of 4.54%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Huntington National Bank?▼
The Huntington National Bank has an Efficiency Ratio of 55.04%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Huntington National Bank's profile as a depositor or analyst.
- The Huntington National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Huntington National Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.