Hancock Whitney Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.88 percentage points higher than in Q1 2026, at 148.94%. Hancock Whitney Bank ranks 17th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 82.43% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Hancock Whitney Bank sits 4.40 points lower, at 82.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.63B |
| Net loans and leases | $24.32B |
| Loans held for sale | $52.9M |
| Loans to total assets | 67.80% |
| Loan-to-deposit ratio | 82.43% |
| Net loans to equity capital | 5.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.13% |
| Multifamily (5+ residential) | 5.17% |
| Commercial and industrial | 30.38% |
| Consumer | 1.48% |
| Credit cards | 0.32% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.94% |
| Construction concentration (Tier 1 capital + allowance) | 33.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $327.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.00B | $30.53B | 26.41% | 33.01% | 2.18% |
| Q4 2023 | $23.95B | $29.95B | 26.19% | 32.80% | 2.07% |
| Q1 2024 | $23.99B | $30.03B | 26.06% | 32.66% | 1.94% |
| Q2 2024 | $23.94B | $29.46B | 25.99% | 32.41% | 1.87% |
| Q3 2024 | $23.48B | $29.25B | 26.53% | 32.04% | 1.84% |
| Q4 2024 | $23.32B | $29.78B | 25.36% | 31.42% | 1.80% |
| Q1 2025 | $23.12B | $29.47B | 25.57% | 30.55% | 1.71% |
| Q2 2025 | $23.49B | $29.32B | 25.66% | 30.62% | 1.70% |
| Q3 2025 | $23.63B | $28.93B | 26.50% | 30.17% | 1.60% |
| Q4 2025 | $23.99B | $29.55B | 26.85% | 29.84% | 1.54% |
| Q1 2026 | $24.05B | $29.32B | 27.11% | 29.88% | 1.50% |
| Q2 2026 | $24.63B | $29.88B | 27.13% | 30.38% | 1.48% |
Hancock Whitney Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock Whitney Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hancock Whitney Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12441) · FFIEC NIC profile (RSSD 463735)