# HANCOCK WHITNEY BANK
GULFPORT, MS · FDIC certificate 12441 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $36.33B | |
| Deposits | $29.88B | |
| Loans and leases | $24.63B | |
| Total equity | $4.34B | |
| Loans / deposits | 81.38% (p36 of band) | 85.78% |
| Liquid assets / assets | 24.58% (p57 of band) | |
| Uninsured deposits / deposits | 52.01% (p86 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.40% (p30 of band) | |
| FHLB advances / assets | 2.61% | |
| Tier 1 leverage | 10.59% (p62 of band) | 10.17% |
| Unrealized securities loss / equity | -10.69% (p34 of band) | -7.43% |
| AOCI / equity | 0.71% (p95 of band) | |
| ROA (annualized) | 1.01% (p30 of band) | 1.24% |
| Net interest margin | 3.63% (p54 of band) | 3.57% |
| Efficiency ratio | 54.72% (p50 of band) | |
| Noncurrent loans | 0.57% (p44 of band) | 0.66% |
| Net charge-offs (annualized) | 0.12% (p60 of band) | |
| Reserve coverage of noncurrent | 221.03% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 31.30% (p53 of band) | |
| Auto loans | $3.6M (0.01% of loans; DQ 2.88%, NCO 0.00%) | |
| Loans to nondepository financials | $427.6M (10% of equity) (p55 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 3674 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | wholesale funding >15%, leverage <7% |  |
| 2011-09 | 2 |  | reserve under noncurrent, wholesale funding >15% |
| 2011-12 | 1 |  | leverage <7% |
| 2012-03 | 1 | uninsured deposits leaving | construction >100% equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | losing money | reserve under noncurrent |
| 2020-06 | 3 | capital falling, charge-offs p90 |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | losing money, charge-offs p90 |
| 2021-06 | 2 | uninsured deposits >50%, capital falling |  |
| 2021-09 | 0 |  | uninsured deposits >50%, capital falling |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | uninsured deposits >50% |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 | uninsured deposits >50% | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits >50% |  |
| 2026-03 | 1 | capital falling | uninsured deposits >50% |
| 2026-06 | 2 | uninsured deposits >50% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-27 [Hancock Whitney is venturing into north Mississippi with newest branch: ‘The next chapter’ - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-05-15 [Hancock Whitney to Acquire One Florida Bank - Business Wire](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQnZVdzlvNHRpUnJHUjBlZFpITFZ6WDYxV0ZNTXhpWjNjSjVWVXozbGtiUnp5S1hBYm0wLVk2eWhhVHV0QlJiR0otTVpCaUZYallfV2dGbUZYbnhHSXlQMXRpY1lKT2JxMFVZcUJrVUlabWZaUElMdS00eVVESWdaVlJ6LWxranBzY3QxUFI5bmpCRTUybnFuSGRQMVo0VnRvTEE?oc=5) · Business Wire
- 2026-07-29 [Hancock Whitney Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1SVGJndjRYR2FIbHBiYXRGel9QRF9SNjVRUFFvdTBjUHRpQ1J2d1QtLUhvVkQyYTM1dG5OT0hoeTJON19EV2EtcW84TFRiRGFoMmgzaFRNUDZNN0xPYTgydWxvQXJwSVBuUzlnVmVUOVlscVZTaGlr?oc=5) · reveliolabs.com
- 2026-05-15 [Mississippi bank snags major Orlando community bank in $377.6M deal - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQNG0xNnVGb05QYVlyNWNHeWgwVXJZcHBuQ3dkSWpUbGxuRFBUb0lmZm41c212Z0NCRnBoeDRXMTJxbF9lZmNuS0UyUERnemRzUEprZ01VT3lQdmVDS0NJN2RTRF9PLVBucEV4UGw2NEJ4dW5RMzlHblU0cXB0SF9VT2ZBZDE4Z2ktRWZDaU4zQUhaVjBnNFIwb2lxNTU1T0szQldnNmNB?oc=5) · The Business Journals
- 2026-04-27 [Hancock Whitney Bank to open Flowood branch as part of Mississippi expansion - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZVdIbXp1VVY2QWZEQlpQblpCVmV4NGFMMjZDR3h3X2lXdXdSZEZaUm11RDI0ellGQUxaRFBpcGRVS0x6Qk8xekR0M2wxbXZMZzVXX08yZW9WU1NQVG9hMFRkZWEyMFlxMHlLS2dleUJKbjBaRGtVODZpbU1laFNUdzR1dVoxcEE5U3Bvd1RjZmw4RkNHbVV3?oc=5) · New Orleans CityBusiness
- 2026-02-04 [Hancock Whitney Bank donates $25K to UMMC for Dental Mission Week - SuperTalk Mississippi Media](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVVd5VFlOUU9BWV9ycEdxczhVT0hGQzFoWFRMLWhvU3M3UkpPZ3p2NXlrdFBqOU5DQmE4eTZ5S3VpQkRvZ24wVko4MVB4d2poX0pIWjY2azdhUkVaOXNGdmxqMVp2d09DenFJTm5GMWNaVS1CUXhodWZMRU9mMUp6dDZEMUVzYUFYTk54RUo5Sk1qVUpq?oc=5) · SuperTalk Mississippi Media
- 2026-05-16 [Hancock Whitney Bank buys One Florida Bank, moving into the Orlando market - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-01-05 [Hancock Whitney Corporation Names Emory Mayfield as Chief Banking Officer - Business Wire](https://news.google.com/rss/articles/CBMiygFBVV95cUxQQ0R0cnpsc0p0UVRVVW5MTjFERVEtVUpucFlDVVFDZ3N3VXNsc01pMVVHMGMzQ0VDdnVRZWNsZ2FwOE9YaU1nM1BxOGJyQmhpVVdSVExDLTVrdFRFcEhmQXVKaDktVjFaNlVXNVluekJ3NlJUZm8tLXV1VEk3ZkpkdVBxb0hFTEZNZGpaV2tGMHo3OTltMDE2c0xGd0hQSHo2LTFwaWhQTmIxZzZtV19odFBWWjY1RzhnUUJPMXNfME40bnIyN2NvcEVB?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12441 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "12441", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide