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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 12441 · MS A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1149/4307
  • PHOTO-FINISH Partners Bank of Wis… · WI
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 2.9% Texas
  • ROA-STRONG 1.41% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Partners Bank of Wisconsin, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Hancock Whitney Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers State Bank · IA · ne…87/100Hancock Whitney Bank · MS · …87/100Lea County State Bank · NM ·…87/100Partners Bank of Wis… · WI ·…87/100The Richwood Banking… · OH ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Hancock Whitney Bank · July 2026

What Hancock Whitney Bank's Call Report plate shows

Hancock Whitney Bank (FDIC Cert #12441) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,149 of 4,307. Tier 1 capital prints at 13.24%, clearing the 10% well-capitalized line. The Texas Ratio is 2.92%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.41%. Balance-sheet scale is $35.5B, 61st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Partners Bank of Wisconsin (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Hancock Whitney Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Hancock Whitney Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Hancock Whitney Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

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.

0/100100/100National avg77/10087/100
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 Assets

$35.5B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.84% 13.24% 14.64%
Basel III capital ratios - Hancock Whitney Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Hancock Whitney Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Hancock Whitney Bank

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

What these ratios mean →

Earnings posture at Hancock Whitney Bank

Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
11.78%
Efficiency Ratio
54.48%

What these mean →

Income & expense at Hancock Whitney Bank

$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.

FDIC Failed Bank List → View Hancock Whitney Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Hancock Whitney Bank nationally by total assets
  1. 1
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  2. 2
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  3. 3
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

  4. 4
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  5. 5
    United Bank $33.5B

    Fairfax, VA · Grade A

  6. 6
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($35.5B here), outside Mississippi so the neighborhood is not state containment.

BankUnited $35.0B · FL Banc of California $34.7B · CA TD Bank USA $34.6B · DE First National Bank of Omaha $34.6B · NE

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.

Hancock Whitney Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
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%