Updated
The most significant concentration Huntington Bancshares Incorpora discloses is commercial loan portfolio at 60%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Huntington Bancshares Incorpora’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: '60% of our loan portfolio was comprised of loans in our commercial loan portfolio, which includes commercial and industrial loans, commercial real estate loans, and lease financing'”
The company's disclosed concentration profile is defined by a single, large-share loan portfolio composition exposure. Commercial loans — comprising commercial and industrial loans, commercial real estate loans, and lease financing — accounted for 60% of the loan portfolio, a high share that reflects the bank's strategic orientation toward business lending rather than a predominantly consumer or mortgage-focused balance sheet. The character is structural: this allocation reflects long-standing underwriting strategy and deposit-gathering focus in the commercial banking markets the company serves. A 60% commercial loan concentration means that credit quality in the portfolio is closely tied to the health of commercial borrowers — businesses across a range of industries whose ability to service debt tracks the economic cycle and sector-specific conditions. Commercial real estate within that category carries additional sensitivity to property valuations, occupancy rates, and cap rate movements, all of which have been subject to volatility in recent years. Commercial and industrial lending is more directly correlated to business investment cycles and corporate earnings. No individual industry sector, geographic loan market, or single borrower concentrations are disclosed beyond the aggregate commercial share. The absence of more granular disclosures limits visibility into where within the commercial portfolio risk might cluster, but the aggregate figure is the standard primary metric for bank portfolio concentration analysis. On balance, the disclosed profile is straightforward for a regional bank with commercial banking at its core — the high commercial share is well-understood and expected, and the primary variables to monitor are credit cycle conditions and commercial real estate valuations within the company's geographic footprint.
For the engine’s reasoning on HBAN’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| HBAN● | Huntington Bancshares Incorpora | 1 | 0 | 0 | 1 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.