Huntington National Bank
Columbus, Ohio · FDIC Cert #6560
Huntington National Bank is an FDIC-insured bank (Certificate #6560) with $195.9B in total assets and $159.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Columbus, Ohio, the bank maintains a Tier 1 capital ratio of 10.32% (Well-Capitalized) and a nonperforming loan ratio of 0.72%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Huntington National Bank (FDIC cert 6560) is a mega-bank: $195.9B in total assets, $159.2B in deposits, headquartered in Columbus, Ohio. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is adequate: Tier 1 capital ratio of 10.32% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.72% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 28.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.28% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Huntington National Bank carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Huntington National Bank
- Total Assets
- $195.9B
- Total Deposits
- $159.2B
- Tier 1 Capital Ratio
- 10.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.72%
- Liquidity Ratio
- 28.47%
- Return on Assets
- 1.28%
- Headquarters
- Columbus, Ohio
- FDIC Certificate
- #6560
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Huntington National Bank holds a Tier 1 capital ratio of 10.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Huntington National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Huntington National Bank shows strong financial health indicators. With $195.9B in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Huntington National Bank Compares
Huntington National Bank’s Health Score of 79 is 12 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 10.32% Tier 1 capital ratio is 3.7 points below the US banking industry average near 14%. The 0.72% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.28% is in line with or above the national ROA benchmark of ~1.1%. Among 21 similarly-sized banks, the average Health Score is 83, meaning this bank ranks below its size cohort. Site-wide, Huntington National Bank is 9 points above the portfolio average of 70.
Frequently Asked Questions
Huntington National Bank has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Huntington National Bank's Tier 1 capital ratio of 10.32% and nonperforming loan ratio of 0.72% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Huntington National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6560). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Huntington National Bank holds $195.9B in total assets and $159.2B in total deposits. It is headquartered in Columbus, Ohio (FDIC Certificate #6560).
Huntington National Bank has a Tier 1 capital ratio of 10.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.72%, and the return on assets is 1.28%.
Yes. Huntington National Bank is FDIC-insured (Certificate #6560). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Huntington National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.