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Hancock Whitney Bank
Gulfport, MS·FDIC Cert #12441·Charter: STATE·Est. 18991009.0·HC: HANCOCK WHITNEY CORP
Total Assets
$35.5B
Q4 2025
Return on Assets
1.41%
+0.01%Peer avg: 1.10%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.48%
Peer avg: 53.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.41%+0.01
ROE
11.78%+0.04
Efficiency
54.48%-0.03
Equity/Assets
0.00%+0.00
NPL Ratio
0.57%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.14%-0.46
Charge-offs
0.22%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 |
| ROE | 11.9 | 12.2 | 12.1 | 12.2 | 12.0 | 11.6 | 11.7 | 11.8 |
| Efficiency | 57.0 | 56.3 | 55.5 | 55.1 | 54.5 | 55.0 | 54.5 | 54.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.5 | 0.5 | 0.7 | 0.6 | 0.6 |
| Charge-offs | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 78.8 | 80.2 | 79.2 | 77.2 | 77.4 | 79.0 | 80.6 | 80.1 |
Balance Sheet
Total Assets$35.5B
Total Deposits$29.6B
Total Loans$23.7B
Total Equity$4.3B
Profitability
ROA1.41%
ROE11.78%
Efficiency Ratio54.48%
Net Income$496.7M
Risk & Asset Quality
NPL Ratio0.57%
Charge-off Rate0.22%
Loan/Deposit80.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans