Hancock Whitney Bank
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Data as of · sourced from FFIEC call reports. How we update
Hancock Whitney Bank is an FDIC-insured commercial bank headquartered in Gulfport, MS, established in 1899 (FDIC certificate 12441), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $36.33B, up 3.2% from Q2 2025, the largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 12.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12441
- Headquarters
- Gulfport, MS
- Established
- 1899
- Total assets, Q2 2026
- $36.33B
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 12.86%
- Domestic offices
- 186 FDIC institution directory, current count
- Routing number
- 065503681
- Holding company
- HANCOCK WHITNEY CORPORATION
- Asset rank in state
- 1st of 57 in Mississippi
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%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, Hancock Whitney Bank is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $36.33B, loans rose 2.4% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 30.4% of total loans, ahead of 1-4 family residential loans at 21.3%. On its Q2 2026 call report, Hancock Whitney Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 186 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hancock Whitney Bank's total assets ran between $34.73B (Q1 2025) and $36.33B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$36.33B total assets against $35.21B; $31.99B total liabilities against $30.95B.
$24.32B net loans and leases against $23.18B; $29.88B total deposits against $29.32B.
$7.89B securities against $7.87B; $1.04B cash and balances due against $1.06B.
$412.9M total interest income against $402.6M; $117.1M total interest expense against $122.9M.
$295.7M net interest income against $279.7M.
$104.9M total noninterest income against $94.6M; $221.2M total noninterest expense against $210.5M.
$13.8M provision for credit losses against $14.9M.
$129.6M net income against $116.9M.
1.44% return on assets against 1.34%; 3.58% net interest margin against 3.51%.
12.86% CET1 capital ratio against 13.57%; 10.59% tier 1 leverage ratio against 11.02%.
Inside the full Hancock Whitney Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 59 of 4,196, for total assets; its furthest is 1,452 of 2,134, for 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
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q1 2026) to 1.48% (Q3 2025) and its net interest margin ran from 3.43% (Q3 2024) to 3.58% (Q2 2026).
| 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
View all 186 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 5.4% of deposits in MS, rank 6 of 80 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.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Hancock Whitney Bank headquartered?
It is headquartered in Gulfport, MS, United States.
When was Hancock Whitney Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Hancock Whitney Bank FDIC-insured?
Yes. It 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.
What is Hancock Whitney Bank's CET1 capital ratio?
It 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?
It operates 186 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?
Its Texas Ratio is 4.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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