Hancock Whitney Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Cost of borrowings rose 0.43 percentage points in Q2 2026 to 2.90%, the biggest move on this page. Within Mississippi, Hancock Whitney Bank is 40th of 57 on net interest margin, 3.58% as of Q2 2026, below the middle of the field. At 3.58%, Hancock Whitney Bank's net interest margin is close to the 3.60% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 5.38% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $327.7M |
| Total interest expense | $117.1M |
| Interest expense on deposits | $102.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.02% | 1.35% | 3.30% | 5.92% | 2.32% |
| Q4 2023 | 5.16% | 1.47% | 3.30% | 5.99% | 2.44% |
| Q1 2024 | 5.19% | 1.49% | 3.32% | 5.98% | 2.51% |
| Q2 2024 | 5.26% | 1.51% | 3.37% | 6.08% | 2.55% |
| Q3 2024 | 5.34% | 1.53% | 3.43% | 6.12% | 2.61% |
| Q4 2024 | 5.15% | 1.37% | 3.45% | 5.86% | 2.67% |
| Q1 2025 | 4.97% | 1.22% | 3.44% | 5.56% | 2.73% |
| Q2 2025 | 5.05% | 1.22% | 3.51% | 5.64% | 2.81% |
| Q3 2025 | 5.10% | 1.26% | 3.53% | 5.68% | 2.88% |
| Q4 2025 | 5.02% | 1.21% | 3.52% | 5.55% | 2.94% |
| Q1 2026 | 4.93% | 1.11% | 3.54% | 5.33% | 3.13% |
| Q2 2026 | 4.99% | 1.13% | 3.58% | 5.38% | 3.31% |
Hancock Whitney Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock Whitney Bank, freeSource: Call Report Schedules RI and RC-K, 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)