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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Mississippi, the state note

Hancock Whitney Bank

Gulfport, Mississippi · $36.33B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

82.4%
Loans / deposits
1st of 12
24.2%
CRE / loans
2nd of 12
1.00%
ROA
11th of 12

Hancock Whitney Bank is the third largest of the 12 the South Central states banks nearest its size over $10B, with $36.33B in assets at 30 June 2026. Loans are 82.4% of deposits, the lowest in the cohort against a median of 90.8%, and equity is 12.0% of assets, 6th of 12. Loans grew +4.9% in the year, 8th of 12, and deposits grew 1.9%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.57% of the book, 3rd of 12 against a median of 0.92%; 0.38% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 0.17% of loans, 8th of 12. Commercial real estate is 24.2% of loans, 2nd of 12 against a median of 36.9%, and 146% of capital, below the 300% screen, with construction at 33% against the 100% screen.

Return on assets is 1.00%, 11th of 12 against a median of 1.39%, on an efficiency ratio of 55.3%, 6th of 12. Five years ago it was 1.18%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 90.8% HW Hancock Whitney Bank 82.4% AB Arvest Bank 83.2% CB Centennial Bank 87.1% TB Trustmark Bank 87.6% RB Renasant Bank 87.7% SB Simmons Bank 90.7% F Firstbank 90.9% OB Origin Bank 92.6% SY Stock Yards Bank & Trust Co. 93.0% FH First Horizon Bank 95.7% BO Bank Ozk 95.8% SB Servisfirst Bank 99.5%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Hancock Whitney Bank is the 38th largest 7(a) lender into Florida of 528, with $190M across 418 loans, 0.7% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 41 of its 148 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Pinellas, FL$43M8th of 1712.6%-3.9 pts
Harris, TX$41M44th of 3140.5%+1.0 pts
Pike, AL$30M1st of 1759.1%quiet FY2021
Jefferson, LA$25M3rd of 846.4%+6.2 pts
Hillsborough, FL$25M28th of 1951.1%+1.6 pts
Orleans, LA$23M4th of 856.1%+2.1 pts
Saint Tammany, LA$21M5th of 786.0%+0.0 pts
East Baton Rouge, LA$20M3rd of 1174.5%-1.0 pts
Harrison, MS$20M1st of 619.9%+10.0 pts
Jefferson, TX$20M3rd of 816.1%-6.3 pts
Lafayette, LA$19M5th of 844.9%+2.7 pts
Escambia, FL$16M4th of 1004.6%+4.8 pts
Bay, FL$16M2nd of 748.1%+4.1 pts
135 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services232$92M13.5%0.12%152nd of 2,596
Manufacturing106$77M11.3%0.19%91st of 2,246
Health care & social assistance178$70M10.3%0.15%101st of 2,172
Professional & technical services140$69M10.2%0.21%62nd of 1,955
Construction133$61M8.9%0.19%83rd of 2,063
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Hancock Whitney Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans HW Hancock Whitney Bank 0.7% $190M · 418 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Hancock Whitney BankRankCohort median
Total CRE against capital, the 300% screen146%2nd of 12252%
Construction against capital, the 100% screen33%2nd of 1267%
Construction and land development, share of loans5.5%2nd of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans13.5%3rd of 1221.4%
Total CRE, the guidance definition, share of loans24.2%2nd of 1236.9%
CRE growth over 36 months, the third prong+8.4%5th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hancock Whitney BankCohort median
20212026Change20212026Change
Loans$21.24B$24.63B+16%$10.62B$17.56B+65%
Deposits$29.36B$29.88B+2%$14.43B$19.75B+37%
NPA / loans0.44%0.57%+0.14 pts0.61%0.92%+0.31 pts
Efficiency63.8%55.3%-8.4 pts62.9%55.5%-7.4 pts
ROA1.18%1.00%-0.18 pts1.40%1.39%-0.01 pts

This read was prepared for Hancock Whitney Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Hancock Whitney Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.hancockwhitney.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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