BlastPoint's Banking Scorecard

Hancock Whitney Bank

$10B-$250B Specialty: Commercial MS FDIC cert 12441

Gulfport, MS

193 branches across LA · FL · MS · TX · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in MS.
Deposits +1.9% year over year ($29.9B on the books).
Delinquency rate 0.58%.
Return on assets 1.01%.
Efficiency ratio 54.72% vs a 53.67% peer average.
Loan-to-deposit ratio 81.38% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in MS

View $10B-$250B leaderboard (MS) →

Hancock Whitney Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 14.86% above tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.1% in tier
- Net Interest Margin 0.29% below tier average
- Efficiency Ratio 1.05% above tier average

Get updates when Hancock Whitney Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$36.3B +3.2% YoY +2.2% QoQ	-$7.3B	$43.6B -13.8% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$24.3B +4.9% YoY +2.4% QoQ	-$3.6B	$28.0B -8.6% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$29.9B +1.9% YoY +1.9% QoQ	-$5.5B	$35.4B -14.0% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	1.01% -26.3% YoY +77.1% QoQ	-0.38%	1.39% +25.9% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.63% +3.3% YoY +0.5% QoQ	-0.29%	3.92% +8.9% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	54.72% -0.5% YoY -0.1% QoQ	+1.05%	53.67% -1.9% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	0.58% -12.3% YoY -3.6% QoQ	-0.43%	1.01% -2.8% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	81.38% +3.0% YoY +0.5% QoQ	-1.23%	82.61% +3.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	63%
Non-Interest-Bearing Deposit Share ?	35.44% -4.8% YoY -1.7% QoQ	+14.86%	20.58% +4.9% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	Top 4.3% in tier
Nonperforming Asset Ratio ?	0.42% -17.2% YoY -2.3% QoQ	-0.31%	0.73% +5.8% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	12.86% -5.2% YoY -1.4% QoQ	-2.49%	15.35% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.57% +9.4% YoY +96.7% QoQ	+0.08%	0.50% +10.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	35.4% -1.8pp YoY -0.6pp QoQ	+14.4pp	21.0%	23.1%	22.2%	95%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-9.2pp	9.2%	3.8%	8.5%	0%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	30.8% -0.3pp YoY +0.5pp QoQ	+13.6pp	17.2%	12.4%	12.5%	90%
CRE	38.3% +2.6pp YoY +0.6pp QoQ	-3.7pp	42.0%	42.3%	41.4%	38%
1-4 Family	21.6% -1.4pp YoY -0.5pp QoQ	-1.5pp	23.1%	33.1%	31.3%	50%
Consumer	1.5% -0.2pp YoY 0.0pp QoQ	-11.4pp	12.9%	5.6%	5.0%	51%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	12.9% -0.7pp YoY -0.2pp QoQ	-2.4pp	15.3%	16.5%	19.7%	48%
Leverage Ratio	10.6% -0.4pp YoY -0.1pp QoQ	+0.2pp	10.4%	11.9%	12.6%	62%
Total Capital Ratio	14.1% -0.7pp YoY -0.2pp QoQ	-2.5pp	16.5%	17.7%	20.8%	50%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	3,674 +94 (+2.6%) YoY +16 (+0.4%) QoQ	+416	3,258	297	482	76%
Assets per Employee ($)	$9.9M +0.6% YoY +1.8% QoQ	-$17.1M	$27.0M	$6.2M	$8.8M	32%
Branch Count	186 +3 (+1.6%) YoY +1 (+0.5%) QoQ	+48	137	22	18	76%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.4%	68%
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.7%	0.9%	1.0%	31%
Allowance Coverage	2.21x +8.4% YoY +1.7% QoQ	-0.60x	2.81x	4.87x	20.23x	65%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.1%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	8.3% -3.3pp YoY +3.6pp QoQ	-4.3pp	12.6%	11.7%	11.6%	19%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.5pp	2.0%	1.8%	1.7%	24%
Net Income ($, YTD)	$180.0M -24.7% YoY — QoQ	-$116.8M	$296.8M	$13.8M	$40.4M	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#1 of 18 • Bottom 0.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.01%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

18 of 18 Large banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.44%

Peer Median: 20.58%

#7 of 139 Top 4.3% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.57%

Peer Median: 0.50%

#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available