Hancock Whitney Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Hancock Whitney Bank, based in Gulfport, Mississippi, reported $36.3 billion in assets at June 30, 2026, up 3.2% from a year earlier. It pays an average of 1.13% on its deposits and borrowings, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 1.92%).
Net income for the quarter rose 11% from a year earlier, to $130 million.
As of June 30, 2026, Hancock Whitney Bank reported a CET1 capital ratio of 12.86%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 4.13%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2510 14th St, Gulfport, MS 39501
- County
- Harrison
- Metro Area
- Gulfport-Biloxi, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 9, 1899
- Former names
- Whitney Bank (2014-2018); Hancock Bank (1938-2014)
- Offices
- 194 domestic
- Employees (FTE)
- 3,674
- Domestic deposits
- $29.88B
- Allowance for credit losses
- $312.6M
- Net charge-offs (YTD)
- $20.6M
- Average total assets
- $36.12B
- Average total loans
- $23.29B
- Average interest-bearing deposits
- $28.78B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12441
- Fed RSSD
- 463735
- SEC CIK
- 750577 → filed by HANCOCK WHITNEY CORPORATION
- Website
- www.hancockwhitney.com →
- Parent Holding Company
- HANCOCK WHITNEY CORPORATION (RSSD 1086533) · HWC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John M Hairston | CEO | President & CEO |
| Michael M Achary | CFO | Chief Financial Officer |
| Loper D Shane | COO | Chief Operating Officer |
| Christopher S Ziluca | CCO | Chief Credit Officer |
| Michael Otero | CRO | Chief Risk Officer |
| Juanita P. Kuhner | GC | EVP/ General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hancock Whitney Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hancock Whitney Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Hancock Whitney Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Hancock Whitney Bank: Uninsured deposits.
Banks merged into Hancock Whitney Bank
- One Florida Bank, effective August 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.86% | 1.44% | 0.57% | 4.13% | 3.58% |
| Q1 2026 | 13.05% | 0.57% | 0.60% | 4.14% | 3.54% |
| Q4 2025 | 13.24% | 1.44% | 0.57% | 4.03% | 3.52% |
| Q3 2025 | 13.67% | 1.48% | 0.58% | 3.98% | 3.53% |
| Q2 2025 | 13.57% | 1.34% | 0.65% | 4.99% | 3.51% |
| Q1 2025 | 14.02% | 1.40% | 0.52% | 4.05% | 3.44% |
| Q4 2024 | 13.67% | 1.43% | 0.51% | 4.19% | 3.45% |
| Q3 2024 | 13.36% | 1.34% | 0.38% | 3.25% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 186 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hwc New Orleans Main Financial Center Branch | New Orleans , LA | 70139 | $2.24B |
| Hancock Whitney Bank (main office) | Gulfport , MS | 39501 | $1.25B |
| Dauphin Street I-65 Branch | Mobile , AL | 36608 | $908.2M |
| Kirby Financial Center | Houston , TX | 77098 | $721.9M |
| Carrollton Branch | New Orleans , LA | 70118 | $543.0M |
| Baymeadows Branch | Jacksonville , FL | 32256 | $511.2M |
| Manhattan Branch | Harvey , LA | 70058 | $410.4M |
| Bluebonnet Branch | Baton Rouge , LA | 70810 | $395.6M |
| Metairie Road Branch | Metairie , LA | 70005 | $382.0M |
| Ryan Street Branch | Lake Charles , LA | 70605 | $381.4M |
| Commercial Covington Financial Center Branch | Covington , LA | 70433 | $374.6M |
| Church Point Road Branch | Gonzales , LA | 70737 | $372.6M |
| City Plaza Branch | Baton Rouge , LA | 70802 | $359.1M |
| Fairways Bfc Branch | Largo , FL | 33777 | $358.2M |
| Brashear Branch | Morgan City , LA | 70380 | $351.0M |
| River Branch | Lafayette , LA | 70508 | $341.5M |
| Coursey Branch | Baton Rouge , LA | 70816 | $336.4M |
| Transcontinental Branch | Metairie , LA | 70006 | $325.8M |
| Cordova Branch | Pensacola , FL | 32504 | $316.9M |
| Destin Branch | Destin , FL | 32541 | $312.0M |
| Bocage Branch | Baton Rouge , LA | 70809 | $311.1M |
| Hwy 77 Branch | Panama City , FL | 32405 | $296.0M |
| Gautier Branch | Gautier , MS | 39553 | $284.4M |
| Oil Center Branch | Lafayette , LA | 70503 | $282.1M |
| Santa Rosa Branch | Santa Rosa Beach , FL | 32459 | $274.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired One Florida Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 2019 | Structure Change | Acquired Midsouth Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2017 | Structure Change | Acquired First NBC Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 28, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 1, 2014 | Structure Change | Acquired Whitney Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2010 | Structure Change | Acquired Hancock Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 2009 | Structure Change | Acquired Peoples First Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 18, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 24, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2001 | Structure Change | Acquired The Lamar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 1991 | Structure Change | Acquired Peoples Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 9, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 1990 | Structure Change | Acquired Unifirst Bank for Savings, a Federal Savings and Loan Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 4, 1990 | Structure Change | Acquired Metropolitan National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1985 | Structure Change | Acquired Pascagoula-Moss Point Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 1975 | Structure Change | Acquired Bank of Picayune Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 19, 1975 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1973 | Structure Change | Acquired Bank of Commerce of Poplarville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 25 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Hancock Whitney Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 5.4% of deposits in MS, rank 6 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,790 applications, 3,719 loans originated, $1.19B originated, across 22 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 102 loans, $73.5M approved, $721K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 107 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Hancock Whitney Bank
What are Hancock Whitney Bank's total assets?
As of the Q2 2026 filing, Hancock Whitney Bank reported total assets of $36.33 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hancock Whitney Bank headquartered?
Hancock Whitney Bank is headquartered in Gulfport, MS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Hancock Whitney Bank founded?
Hancock Whitney Bank was established in 1899, per the FDIC institution directory.
Is Hancock Whitney Bank FDIC-insured?
Yes. Hancock Whitney Bank is an FDIC-insured commercial bank (FDIC Certificate #12441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hancock Whitney Bank?
Hancock Whitney Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hancock Whitney Bank's CET1 capital ratio?
Hancock Whitney Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hancock Whitney Bank operate?
Hancock Whitney Bank operates 194 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hancock Whitney Bank's Texas Ratio?
Hancock Whitney Bank's Texas Ratio is 4.13% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Hancock Whitney Bank previously called?
The charter now named Hancock Whitney Bank has also operated as Whitney Bank (2014-2018), Hancock Bank (1938-2014), per FDIC structure-change records.
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