Hancock Whitney Bank


2510 14th St
Gulfport, MS 39501
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Phone 1-800-448-8812

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.60% →
2-Year CD N.A. 4.90% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Hancock Whitney Bank is an FDIC insured institution located in Gulfport, MS. It was founded in 1899 and has approximately $35.58 billion in assets. Customers can open an account at one of its 225 branches.

FDIC Insured Yes
FDIC Certificate # 12441
Date Established 1899
Assets $ 35.58 billion
Loans $ 23.64 billion
Deposits $ 29.95 billion
Capital $ 3.71 billion

For a more detailed analysis of Hancock Whitney Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 21, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - April 21, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Hancock Whitney Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2024

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Note to Hancock Whitney Bank
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Climate Policy and Initiatives

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Financial Details

Hancock Whitney Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hancock Whitney Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Hancock Whitney Bank U.S. Bank Average
1.79% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Hancock Whitney Bank had $68,645,000 in non-current loans and $3,376,000 in owned real estate. To cover these potential losses it had $3,712,718,000 in equity and $307,907,000 in loans loss reserves. That gives it a Texas Ratio of 1.79%.

Return on Equity
Hancock Whitney Bank U.S. Bank Average
11.54% 12.20%

Hancock Whitney Bank has a Return on Equity of 11.54% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Hancock Whitney Bank U.S. Bank Average
10.43% 10.76%

Hancock Whitney Bank has a Capitalization of 10.43% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Hancock Whitney Bank Balance Sheet Analysis

As of December 31, 2023, Hancock Whitney Bank had assets of $35,580,052,000, loans of $23,640,206,000, and deposits of $29,948,878,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 1,157.42 million
Interest-bearing balances $ 562.12 million
Total securities $ 7.60 billion
Federal funds sold and reverse repurchase $ 0.44 million
Net loans and leases $ 23.64 billion
Loan loss allowance $ 307.91 million
Trading account assets $ 90.34 million
Bank premises and fixed assets N.A.
Other real estate owned $ 3.38 million
Goodwill and other intangibles $ 900.09 million
All other assets $ 1,583.10 million
     Total Assets $ 31.87 billion
Total deposits $ 29.95 billion
      Interest-bearing deposits $ 18.66 billion
      Deposits held in domestic offices $ 29.95 billion
      % insured (estimated) 54.84%
Federal funds purchased and repurchase agreements $ 454.83 million
Trading liabilities $ 131.85 million
Other borrowed funds $ 273.35 million
Subordinated debt N.A.
All other liabilities $ 440.74 million
      Total Liabilities $ 31.87 billion
      Shareholders’ Equity $ 3.71 billion

Summary Income Statement

December 31, 2024
Total Interest Income $ 1,620.50 million
Total Interest Expense $ 511.96 million
Net interest income $ 1,108.53 million
Provision for loan and lease losses $ 59.10 million
Total non interest income $ 340.14 million
Total non interest expense $ 819.85 million
Pre-tax Net Operating Income $ 313.74 million

Bank Loan Profile?

The top three loan types in Hancock Whitney Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Mississippi, Hancock Whitney Bank has a significantly higher percent of Credit Card Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.37
Credit Card Loans 0.33
Consumer Auto Loans 0.73
Small Business Loans 4.27
Construction and Development Loans 5.83
Commercial Real Estate 25.82
Commercial and Industrial Loans 31.78
Farm Loans 0.00

Customer Reviews for Hancock Whitney Bank

  • August 29, 2019 |

    Since Hancock Bank merged with Whitney Bank, it’s no longer the local bank it once was. Fees, gotcha gimmicks, underhanded surprises... It’s nothing more than another big, ugly, corporate bank looking to maximize shareholder profits rather than care for customers.
    All my money is moving to Navy Federal Credit Union - a financial institution with ethics.

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