Huntington Bancshares is a regional bank holding company providing retail and commercial banking services primarily across the Midwest, including checking and savings accounts, auto lending, commercial loans and wealth management services. As a regional bank, its profitability depends largely on net interest margin, the spread between interest earned on loans and interest paid on deposits, making it sensitive to Federal Reserve interest rate policy. Huntington has built a particularly large auto lending business alongside its traditional retail and commercial banking operations, financing vehicle purchases for consumers across its Midwest footprint. The bank's results are tied to regional economic conditions across the Midwest states it serves, along with broader trends in consumer and commercial lending demand.