National United

What National United does

The entity operationalized in the input data is a large U.S. regional commercial bank operating as The Huntington National Bank, a federally chartered national bank and FDIC member owned by Huntington Bancshares Incorporated (NASDAQ: HBAN). It provides a full-service consumer, small-business, commercial, wealth, and treasury banking platform across a 21-state franchise — Ohio, Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, and Wisconsin — served through nearly 1,400 full-service branches and self-serve digital channels.

Core products span deposit products (checking, savings), consumer and commercial loan programs, credit cards, personal and commercial insurance, commercial lending, institutional and public-sector banking, trust and fiduciary services, wealth and investment management, and treasury management. The underlying technology stack combines a digital banking platform with mobile and online banking capabilities, including mobile check deposit, bill pay, alerts, Zelle real-time payments (licensed from Early Warning Services, LLC), and a self-service 'lock/unlock' feature for debit and credit cards, plus 'The Hub' customer dashboard and Business Online Banking and Commercial Center portals for commercial and treasury clients.

Revenue is generated through net interest income on deposits and loans plus fee-based streams across treasury management, wealth and investment management, and insurance. The go-to-market is a traditional, relationship-led banking model delivered through local bankers, physical branch coverage, and direct sales coverage for commercial and treasury clients, supplemented by digital acquisition via huntington.com and social channels. The franchise was significantly scaled through the 2024 acquisition of Cadence Bank, whose branches have been rebranded under the Huntington Bank name, and the combined customer base has been transitioned onto Huntington's products, digital tools, and service channels.

Name

National United

Legal name

The Huntington National Bank

Website

https://nationalunited.com

Company type

Public

Founded year

1866

Operating status

Operating

Headcount range

101–250 employees

Short description

National United is a federally chartered U.S. regional bank operating ~1,400 full-service branches across 21 states, offering personal, small-business, commercial, treasury, wealth, and insurance banking services via branch, online, and mobile channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industries

Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE), Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

Keywords

• Retail banking services
• Commercial banking products
• Wealth management services
• Treasury management solutions
• Consumer and business lending

Headquarters

HQ city

Gatesville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Banking Services: Traditional banking services including deposit products (checking, savings), loan programs, and credit products for individuals and businesses
2. Commercial Banking: Commercial lending, trust/fiduciary services, wealth and investment management, institutional and public sector banking products and services
3. Treasury Management: Cash management and treasury services for business and commercial customers
4. Wealth Management: Wealth management and investment management services for high-net-worth individuals
5. Insurance Products: Personal and commercial lines of insurance products and services

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

National United, functions as a full-service banking franchise offering personal banking, business banking, commercial banking, wealth management, treasury management, deposit products, loan programs, and personal/commercial insurance. Banking services are delivered through a regional network of nearly 1,400 full-service branches across 21 states following the 2024 acquisition of Cadence Bank, complemented by online banking, mobile banking, and a customer service/support infrastructure.

Product overview

Huntington Bank (formerly Cadence Bank following the merger) operates as a full-service banking provider offering a unified platform of banking products and services. The core offerings span personal banking (checking, savings, credit cards), business banking, commercial banking, wealth management, and treasury management. Digital services include online banking and mobile banking features such as mobile check deposit, bill pay, and card lock/unlock capabilities. The bank also provides specialized products including deposit products, loan programs, and personal/commercial insurance. The combined organization serves customers through a network of nearly 1,400 full-service branches across 21 states.

Differentiator

Problem solved

Functional benefit

Brands

• The Hub: Digital banking platform providing account information, direct deposit setup, and card management features

Products and services

• Personal Banking Full-service personal banking including checking, savings, and credit cards for individual consumers.
• Business Banking Banking services for small businesses including checking, savings, and business lending solutions.
• Commercial Banking Comprehensive commercial banking services for larger businesses including specialized lending and treasury solutions.
• Wealth Management Wealth management and advisory services for high-net-worth individuals and families.
• Treasury Management Cash management and treasury solutions for business and commercial clients including payment processing and liquidity management.
• Online Banking (Personal and Business) Digital banking platform providing account access, bill pay, fund transfers, and business account management for personal and business customers.
• Mobile Banking App Mobile banking application for personal and business customers providing account access, mobile check deposit, Zelle payments, alerts, and card management.
• Deposit Products Checking and savings account products designed for consumers and businesses.
• Loan Programs Lending products including consumer and commercial loans with programs designed to benefit under-resourced populations and communities.
• Personal and Commercial Insurance Personal and commercial lines of insurance products and services offered through the bank.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Cadence BankcoreStrategic or Co-development Partner · 1 January 2024Cadence Bank has been acquired and integrated into Huntington Bank. Former Cadence Bank branches are now operating as Huntington Bank branches. The integration combines two relationship-first, community-based banking organizations to provide expanded capabilities, intuitive digital tools, and Huntington's full suite of consumer and business offerings to Cadence Bank customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• U.S. Bancorp: U.S. Bank is a much larger national commercial bank with overlapping consumer, commercial, payment, and wealth offerings, providing a broad incumbency benchmark against which regional players like Huntington compete.
• Bank of America: Bank of America is a Too-Big-To-Fail national bank with a full suite of consumer, commercial, wealth, and treasury services; it competes with Huntington across multiple customer segments and geographies.
• JPMorgan Chase: JPMorgan Chase is the largest U.S. bank with the broadest commercial, consumer, and wealth footprint; it competes with Huntington for both retail customers in overlapping states and large commercial/treasury clients nationally.

Direct peers

• Regions Financial: Regions Bank is a Southeast-rooted super-regional that overlaps with Huntington's commercial, consumer, and wealth segments and now shares significant Southeast geography post-Cadence integration.
• Truist Financial: Truist is a top-10 U.S. commercial bank with an overlapping Southeast and Mid-Atlantic footprint and a broadly comparable product suite spanning consumer, commercial, wealth, and insurance.
• Citizens Financial Group: Citizens is a top-tier super-regional bank with overlapping commercial banking, treasury, wealth, and consumer deposit products, particularly in the Northeast and Mid-Atlantic where Huntington also competes.
• M&T Bank: M&T is a Northeast/Mid-Atlantic super-regional with comparable consumer and commercial banking services, including treasury management and wealth, and similar community-banking cultural positioning.
• Fifth Third Bank: Fifth Third is a Midwest-rooted regional bank with overlapping commercial, treasury, and consumer banking offerings and similar digital investments (Zelle, mobile deposit), making it a directly comparable regional competitor.
• PNC Financial Services: PNC is a top-tier super-regional bank with a comparable mid-Atlantic/Midwest/Southeast footprint and a similar mix of consumer, small business, commercial, and wealth products; this is the closest direct competitor in branch banking scale and product overlap.
• KeyBank: KeyBank operates a similar commercial and consumer banking franchise across the Northeast and Midwest, with comparable business banking, treasury management, and wealth offerings, making it a directly comparable regional peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Huntington_Bank
• Facebookfacebook.com/NationalUnitedBank
• LinkedInlinkedin.com/company/huntington-national-bank
• Instagraminstagram.com/huntingtonbank/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National United