Hancock Whitney Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.06% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.06% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.86% +6.36 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $3.73B | 3,729,951 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $29.00B | 28,996,285 | RCOAA223 |
| Recomputed ratio | 12.86% | numerator / denominator | |
| Filed ratio | 12.86% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.36 pp | $1.85B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.86% +4.86 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $3.73B | 3,729,951 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $29.00B | 28,996,285 | RCOAA223 |
| Recomputed ratio | 12.86% | numerator / denominator | |
| Filed ratio | 12.86% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.86 pp | $1.41B | capital that could be lost first |
Total risk-based capital ratio 14.06% +4.06 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $4.08B | 4,075,730 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $29.00B | 28,996,285 | RCOAA223 |
| Recomputed ratio | 14.06% | numerator / denominator | |
| Filed ratio | 14.06% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.06 pp | $1.18B | capital that could be lost first |
Tier 1 leverage ratio 10.59% +5.59 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $3.73B | 3,729,951 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $35.23B | 35,228,711 | RCOAA224 |
| Recomputed ratio | 10.59% | numerator / denominator | |
| Filed ratio | 10.59% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.59 pp | $1.97B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,862,274 | 2,862,274 | 2,862,274 | 2,862,274 | 2,862,274 | 2,862,274 | RCOAP742 |
| Retained earnings | 1,825,471 | 1,810,871 | 1,855,428 | 1,907,530 | 1,857,758 | 1,800,895 | RCOAKW00 |
| Accumulated other comprehensive income | (345,421) | (325,127) | (376,250) | (416,460) | (469,827) | (514,972) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,342,324 | 4,348,018 | 4,341,452 | 4,353,344 | 4,250,205 | 4,148,197 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (612,373) | (635,584) | (587,627) | (550,754) | (500,692) | (346,830) | P859 - P840 |
| Common equity Tier 1 capital | 3,729,951 | 3,712,434 | 3,753,825 | 3,802,590 | 3,749,513 | 3,801,367 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 3,729,951 | 3,712,434 | 3,753,825 | 3,802,590 | 3,749,513 | 3,801,367 | RCOA8274 |
| Tier 2 capital | 345,779 | 341,399 | 338,958 | 338,681 | 337,345 | 338,996 | RCOA5311 |
| Allowance includable in Tier 2 capital | 345,779 | 341,399 | 338,958 | 338,681 | 337,345 | 338,996 | RCOA5310 |
| Total capital | 4,075,730 | 4,053,833 | 4,092,783 | 4,141,271 | 4,086,858 | 4,140,363 | RCOA3792 |
| Total risk-weighted assets | 28,996,285 | 28,442,538 | 28,354,023 | 27,825,755 | 27,629,657 | 27,118,600 | RCOAA223 |
| Average total assets for the leverage ratio | 35,228,711 | 34,727,003 | 34,636,935 | 34,214,501 | 34,021,450 | 34,008,347 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.04B | $78.5M | 7.56% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $8.23B | $1.48B | 17.97% | 5.10% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $633.3M | $12.5M | 1.97% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $5.28B | $2.95B | 55.82% | 10.16% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $106.7M | $160.1M | 150.00% | 0.55% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $74.6M | $111.9M | 150.00% | 0.39% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $19.18B | $18.85B | 98.32% | 65.02% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.88B | $1.77B | 94.16% | 6.11% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.44B | $3.44B | 99.80% | 11.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $159.5M | $56.5M | 35.42% | 0.19% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $91.2M | NA | 0.31% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $28.91B | ties to item 31 ($28.91B) |
|---|---|---|
| Risk-weighted assets before deductions | $29.00B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $29.00B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.86% | 12.86% | 14.06% | 10.59% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.05% | 13.05% | 14.25% | 10.69% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.24% | 13.24% | 14.43% | 10.84% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.67% | 13.67% | 14.88% | 11.11% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.57% | 13.57% | 14.79% | 11.02% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.02% | 14.02% | 15.27% | 11.18% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.67% | 13.67% | 14.83% | 10.91% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.36% | 13.36% | 14.52% | 10.69% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.87% | 12.87% | 14.00% | 10.40% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.29% | 12.29% | 13.39% | 10.19% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.03% | 12.03% | 13.04% | 9.86% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.83% | 11.83% | 12.82% | 9.82% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hancock Whitney Bank (this bank) | Risk-based | 12.86% | 12.86% | 14.06% | 10.59% | |
| Commerce Bank | $35.02B | Risk-based | 15.11% | 15.11% | 15.92% | 11.43% |
| Banc of California | $34.90B | Risk-based | 12.68% | 12.68% | 13.74% | 9.64% |
| BankUnited, N.A. | $34.86B | Risk-based | 13.01% | 13.01% | 13.90% | 9.43% |
| Atlantic Union Bank | $38.02B | Risk-based | 13.02% | 13.02% | 13.99% | 11.45% |
| First National Bank of Omaha | $34.20B | Risk-based | 12.64% | 12.64% | 13.92% | 10.83% |
| United Bank | $33.64B | Risk-based | 13.69% | 13.69% | 14.91% | 11.60% |
| Texas Capital Bank | $33.62B | Risk-based | 12.35% | 12.35% | 13.53% | 10.67% |
| Fulton Bank, N.A. | $32.56B | Risk-based | 13.03% | 13.21% | 14.46% | 10.20% |
| TD Bank USA, N.A. | $32.13B | Risk-based | 31.20% | 31.20% | 32.53% | 11.56% |
| Deutsche Bank Trust Company Americas | $40.53B | Risk-based | 57.52% | 57.52% | 57.71% | 25.79% |
| Peer 25th percentile | 12.76% | 12.76% | 13.90% | 10.32% | ||
| Peer median | 13.02% | 13.11% | 14.23% | 11.13% | ||
| Peer 75th percentile | 14.76% | 14.76% | 15.67% | 11.53% | ||
| This bank's percentile | 30 | 30 | 50 | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/463735/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.