For context on Huntington National Bank's small-business lending footprint, see its SBA lending profile on US Lender Metrics, including approval volume, loan sizes and industry mix. SBA approvals are not the same as funded loans or recognized revenue; the profile states its reporting period.
| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q2'26 | July 23, 2026 | 9/12 | 3 high, 4 medium, 1 low flags | 4 | 1 | Call sheet → |
| Q1'26 | April 23, 2026 | 10/12 | 1 medium, 6 low flags | 6 | 0 | Call sheet → |
| Q4'25 | January 22, 2026 | 8/12 | 3 medium, 4 low flags | 5 | 1 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q2'26 | Exceeded | Fee revenue growth of 31-33% Tracking to high end or above based on Q2 momentum |
| Q2'26 | Missed | NIM to trend into high 3.20s Came in at 3.21% but now guiding to high 3.20s for full year vs mid-3.30s prior |
| Q2'26 | Delivered | Continue to see deposits growing at or above loan growth Deposits grew 1.8% vs loans 1.2% organically |
| Q2'26 | Pending | $365 million Cadence cost synergies Increased to $435M combined with Veritex, tracking on schedule for Q4 |
| Q2'26 | Delivered | Cadence conversion in June Completed successfully with deposit growth during conversion weekend |
| Q2'26 | Exceeded | Q4 efficiency ratio less than 55% Now guiding to mid-to-low 54%, ahead of schedule |
| Q1'26 | Exceeded | Begin share repurchases after Cadence close Started earlier with $250M YTD vs planned $50M/quarter |
| Q1'26 | Delivered | ROTCE in 16%-17% range consistently Hit target for 5 consecutive quarters, now raising to 18%-19% |
| Q1'26 | Exceeded | Positive operating leverage delivery in 2025 Delivered 290bp vs planned 100-200bp range |
| Q1'26 | Delivered | Revenue synergies to accelerate post-systems migration Already seeing benefits in capital markets and payments as predicted |
| Q1'26 | Delivered | Begin realizing Veritex cost synergies immediately Full run rate expected by Q2 as originally guided |
| Q1'26 | Delivered | Veritex systems conversion by Q1 2026 Completed in Q1 as promised, took 187 days from announcement |
| Q4'25 | Exceeded | Branch build-out in Carolinas with couple dozen new locations Now promising one new branch every two weeks in 2026 |
| Q4'25 | Delivered | Continue building density in Texas with commercial verticals Added funds finance and other verticals as promised, plus Veritex scale |
| Q4'25 | Exceeded | Positive operating leverage target of at least 1% for 2025 Delivered 290 bps, significantly above promise |
| Q4'25 | Delivered | Full cost synergies from Veritex expected by Q4 2025 Now expecting full run-rate by Q2 2026, slightly delayed but substantial progress |
| Q4'25 | Delivered | Systems conversion for Veritex substantially completed last weekend Completed in 187 days as promised, integration milestone met |
| Q4'25 | Pending | Expect to have capacity for share repurchases in coming quarters Pushed to post-Cadence close, now targeting 2026 start |
| Q4'25 | Missed | We expect to begin benefiting from revenue synergies early after close (Veritex) Closed in October but admits 'very little revenue synergies' in guidance three months later |
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