BlastPoint's Banking Scorecard
Hancock Whitney Bank
Gulfport, MS
186 branches across LA · FL · MS · TX · AL
Hancock Whitney Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.02% above tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.6% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Return on Assets 0.71% below tier average
- - Net Interest Margin 0.16% below tier average
- - Efficiency Ratio 0.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.5B
+2.3% YoY
+0.2% QoQ
|
-$11.4B |
$47.0B
-1.9% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$23.7B
+4.1% YoY
+0.3% QoQ
|
-$5.6B |
$29.4B
-0.4% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$29.3B
-0.5% YoY
-0.8% QoQ
|
-$9.1B |
$38.4B
-1.6% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.57%
-59.4% YoY
-59.7% QoQ
|
-0.71% |
1.28%
+18.7% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.8% in tier |
| Net Interest Margin ? |
3.61%
+3.9% YoY
+2.1% QoQ
|
-0.16% |
3.77%
+5.8% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
54.79%
+0.6% YoY
+0.6% QoQ
|
+0.78% |
54.01%
-3.7% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.60%
+14.8% YoY
+5.3% QoQ
|
-0.41% |
1.02%
-3.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
80.99%
+4.7% YoY
+1.1% QoQ
|
+0.21% |
80.79%
+1.9% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
36.06%
-2.4% YoY
+0.1% QoQ
|
+16.02% |
20.04%
+0.2% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 2.2% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+3.1% YoY
+2.5% QoQ
|
-0.29% |
0.72%
+4.2% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
13.05%
-6.9% YoY
-1.4% QoQ
|
-2.46% |
15.51%
-0.4% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.29%
+12.5% YoY
-73.5% QoQ
|
+0.07% |
0.22%
+0.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
79% |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.