Total Assets
$35.5B
Total balance-sheet footings
FDIC Cert #12441 · Gulfport, Mississippi · Est. 1899
Hancock Whitney Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $35.5B
- Total assets
- A
- Health grade · Excellent
- 1.41%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Hancock Whitney Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.24% Tier 1, profitable at 1.41% ROA, efficient (54% cost ratio).
- #61
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 13.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 70th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Hancock Whitney Bank's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hancock Whitney Bank's composite health score
Tier 1 Capital Ratio (13.24%) 35/40
Return on Assets (ROA) (1.41%) 20/25
Texas Ratio (2.92%) 20/20
Efficiency Ratio (54.48%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$29.6B
Customer-funded liabilities
Net Loans
$23.7B
Outstanding loan book
Net Income
$497M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hancock Whitney Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hancock Whitney Bank's score of 87/100 falls in the highlighted band.
Hancock Whitney Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Hancock Whitney Bank's $35.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.24%
Texas Ratio
2.92%
Equity Capital
$4.3B
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
11.78%
Efficiency Ratio
54.48%
What the numbers say about Hancock Whitney Bank
Hancock Whitney Bank is an FDIC-insured institution (Certificate #12441) headquartered in Gulfport, Mississippi, established in 1899. It holds $35.5B in total assets - 61st of 4,313 FDIC-insured banks, $29.6B in customer deposits, and $23.7B in net loans. Capital-wise, the Tier 1 ratio sits at 13.24%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.92%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Hancock Whitney Bank sits in the top decile of all FDIC-insured institutions by asset size (61st of 4,313), and within Mississippi it ranks 1st of 57 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Renasant Bank, at $26.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$1.6B
Interest Income
$391M
Non-Interest Income
$833M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hancock Whitney Bank reports a Texas Ratio of 2.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
National size peers: banks closest to Hancock Whitney Bank by assets
Measured strictly by total assets rather than geography, Hancock Whitney Bank's closest national peers include BankUnited, Banc of California, TD Bank USA, First National Bank of Omaha, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Mississippi. Averaged across this asset-matched cohort, return on assets runs 1.14% (Hancock Whitney Bank is above that at 1.41%), the efficiency ratio averages 54.78% (Hancock Whitney Bank runs leaner at 54.48%), and Tier 1 capital averages 15.48% (Hancock Whitney Bank holds less at 13.24%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $35.5B in assets, Hancock Whitney Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Hancock Whitney Bank (this bank) | MS | $35.5B | 1.41% | 54.48% | 13.24% |
| BankUnited, National Association | FL | $35.0B | 0.89% | 56.96% | 12.73% |
| Banc of California | CA | $34.7B | 0.78% | 60.49% | 13.15% |
| TD Bank USA, National Association | DE | $34.6B | 1.16% | 58.07% | 28.61% |
| First National Bank of Omaha | NE | $34.6B | 1.51% | 49.34% | 11.64% |
| United Bank | VA | $33.5B | 1.50% | 45.99% | 13.75% |
| Atlantic Union Bank | VA | $37.5B | 0.99% | 57.84% | 13.02% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hancock Whitney Bank (FDIC Cert #12441) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
| The Citizens National Bank of MeridianMeridian | $1.8B | A | 1.60% |
Frequently asked questions
What is Hancock Whitney Bank's health grade?▼
Hancock Whitney Bank receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Hancock Whitney Bank?▼
Hancock Whitney Bank holds $35.5B in total assets and $29.6B in deposits, ranking 61st of 4,313 FDIC-insured banks by asset size. It is headquartered in Gulfport, Mississippi.
Is my money safe at Hancock Whitney Bank?▼
Yes, deposits at Hancock Whitney Bank (Certificate #12441) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hancock Whitney Bank's Tier 1 Capital Ratio?▼
Hancock Whitney Bank has a Tier 1 Capital Ratio of 13.24%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Hancock Whitney Bank?▼
Hancock Whitney Bank has a Texas Ratio of 2.92%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hancock Whitney Bank?▼
Hancock Whitney Bank has an Efficiency Ratio of 54.48%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hancock Whitney Bank's profile as a depositor or analyst.
- Hancock Whitney Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hancock Whitney Bank against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.