# WHITNEY BANK
NEW ORLEANS, LA · FDIC certificate 33029 · asset band $10-100B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $13.02B | |
| Deposits | $10.50B | |
| Loans and leases | $7.93B | |
| Total equity | $1.73B | |
| Loans / deposits | 75.16% (p35 of band) | 87.05% |
| Liquid assets / assets | 29.21% (p56 of band) | |
| Uninsured deposits / deposits | 39.04% (p67 of band) | 26.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.25% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.99% (p36 of band) | 9.71% |
| Unrealized securities loss / equity | -1.26% (p50 of band) | -1.25% |
| AOCI / equity | -0.60% (p62 of band) | |
| ROA (annualized) | 0.95% (p52 of band) | 0.93% |
| Net interest margin | 3.69% (p69 of band) | 3.40% |
| Efficiency ratio | 64.68% (p66 of band) | |
| Noncurrent loans | 0.83% (p35 of band) | 1.11% |
| Net charge-offs (annualized) | 0.04% (p25 of band) | |
| Reserve coverage of noncurrent | 61.54% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 33.87% (p86 of band) | |
| Auto loans | $213.1M (2.69% of loans; DQ 0.30%, NCO 0.00%) | |
| Loans to nondepository financials | $36.0M (2% of equity) (p69 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 1867 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | expense ratio p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-09 | 4 |  | expense ratio p90 |
| 2012-12 | 4 |  |  |
| 2013-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |

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

- 2026-05-20 [Hancock Whitney Announces Commercial Banking Leadership Promotions - citybiz](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOalNhSGRtUXFZVjk2eWNCLTN6NXNVVjQybTMzWmNUVDVReW96c2k0RlpDZE9iY1dWUWQ5QlVvVGV5Qm1Vd0RsRlpaUGU3aFFTSUhnNHRTbmRST2RNaU5Ocl9BVko1S1hJdlZyX3ozZkVjM0NGOURwVmo5UGl6Y2lCbFhQNnJkZldMQWp4UzltNjdvLUhPNUpBWldaUG1UZXRqUWpOcDk3WWs?oc=5) · citybiz
- 2025-12-17 [Former IberiaBank execs are back in the game, have big plans for Louisiana bank they’re buying - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2019-05-01 [Hancock Whitney acquires Louisiana bank - Sun Herald](https://news.google.com/rss/articles/CBMibkFVX3lxTFB5STY2MzZNWWJOcUpnSUxfMTVwNENlWVh2b1ZfMkNjWmpqcDROdzU3ZlVIT1pMMk1jMW1uMk14ZURPcExKY1FMdmNPdHd4Z1U1Wmplb1h4eDZ0Z0l0T29CLTh4RFhPMGJXMUZlQS1n0gFuQVVfeXFMUGZuQm1MVVBUM25mWDBaRkVqSHJKTVVqdE9iRHQ0TUlZc1p1NzE5cWhvV0NSdFdvbEpkREg5WDFSeHcweEIweDE5cUhfUE9qVVJsVVNuQ2VOa3ltWWhZUUR1cEg3aUhFWDAxd3dub1E?oc=5) · Sun Herald
- 2019-09-26 [Lenny Lemoine invests in historic Whitney Bank building in New Orleans’ CBD - The Current – Lafayette’s Community Voice](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPanp3VW12aW9tT3VVU0xlN180WWQyblBkYWM5V3c2QTl2bnh3bm5WMXVHaXh6SmhOeWlUNy14RFpISTVFMHhRQlVOVnhuSDVPUWRpenNfUkN0dG4tcWl1R044Y3dZeXA4YUUySzc1UTRCMkJFU0VDa2dFRXZqU1ZYa2lwTllSWUxpdjdlMHhMYWZucXNxNlk1eG5qSHkySFFoZWF3SmJXWk8?oc=5) · The Current – Lafayette’s Community Voice
- 2019-05-01 [Hancock Whitney to buy struggling Louisiana bank for $213M - WWLTV.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNR3VqeVM5c2lYOG9faDAyYzMyYlZYZFRUdFRnUE5ObzJSbXJTSHJueHkwVElXZThqLXd1M1RyREFGT0VsNjdZZ255cWhmZm1XaDZnUU43RURzbm1WeC1WeTRGbjhzOE5zbTZMMkVfaXc5S2d3TjN2ZjNZenBXSEF4ZWJKTXVBVDdaV2lvWkJ2RFJ3LWFNTlZmZXRPcXdJMG9HdWFnLU9wSTNZN2VCcGRucERucDNLTGJ0SlhwaDhHbDdJdG1iWURrSUVodFR3QQ?oc=5) · WWLTV.com
- 2021-03-03 [Gordillo to Lead Hancock Whitney Private Wealth Management in Louisiana - Biz New Orleans](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZG1YRnJkVEdDalA0OUIwdTBPTFNMYjJqZk82SE1oVEQwdFdhMDd5VDV3MFh4VUVGUnVZU216bmtJOHFlTXhua2ZfTkNpSFAwVWlYQU1XYnFqTC1QQnBYNm1lOXdpWUJkNkszd2lqNXUtSk9VUElOWXdYYlp0aEdPaG8zSHVaUkNPZ1E1MEdkcUtHRmR2UnBQeWh1U1VLSkU?oc=5) · Biz New Orleans
- 2025-07-21 [Hancock Whitney Bank sponsors United Way’s school supply drive - KLFY.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbkVBWXUzYy1ESEJuS2R3LVV1cXQzaVRMWFQ5dkMwSW5TTFljYmFRN1dFcTdPMGlNUXd1eXdzbzI3cTRRdUd2MHlHYUlqR3Z2M1MyMHpuc0xfdjFWYnJCYnpqWkRDNHJ1T3RNcG5nQzlRUkYtZUQyU1hPTW1tTkxtVVFzT0JGN0wwME84Z3FWVWFvSVNZbllSNUphYjRod1J3NlZvYmEtZ3ZtUdIBrwFBVV95cUxQQjlHVlNERFk1cDd0MFc1bVFSaHJGTk53QU9hSkVIUUtnLUJ3LXZXOW5ORVdYb25CSDFYcHFvdFZ3QU95WkRFdGdmMGRjN0YySkFOQVhQQUFqSFRhNEpacDQ3MDkzZlc2M1h5Ym4wQzBzamJ5V2NIOGpoRWRteGphaWtldzh2eDlMYmFnV1N3NVFwbTNDTGNIVTQyYVozQ1U2NmU2STREbnpFeC1sZlc0?oc=5) · KLFY.com
- 2017-04-28 [Whitney acquires First NBC Bank - WAFB](https://news.google.com/rss/articles/CBMid0FVX3lxTE9rMlZ0LWlzSkpabGtScHZBWXZWQmg1bGVfWjJ3TVZDQWtWMzhHR1EwNWZPREZCRVI1XzBRdi1wcjBYa1M5WTMxWkM5dXdSblp1b2VIWEsxVnptZmg0TVVUTEVyTElDSm9STmgtVDBGbDdQaTZkcUJV0gGKAUFVX3lxTE80NjFNSll3MlJYSE90ZGNXaHN3ZEw1ck1oQmhDLUFZLTlSX2EzeWMyOGYxNlVSc3FBVmhSUnNmaG5YRUo3clo0T25zSGpXWmRqYzUwUjlsZVNyQnlxVXM0bW1ma0R3clMxUW14RV83QjhudEMwRDhXaVNkaGZQa1NwcmFSNTJKUlFDQQ?oc=5) · WAFB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33029 (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/5.json (key "33029", 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