Hancock Whitney Bank
Gulfport, Mississippi, Harrison County
$36.3B in total assets, the 63rd largest of 4,309 US banks and 1st of 57 headquartered in Mississippi.
- FDIC certificate
- 12441
- Established
- 1899
- Owned by
- Hancock Whitney Corp
- Primary regulator
- FDIC
- Website
- www.hancockwhitney.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $36.3B | 77% | $22.4B | |
| Loans | $24.6B | 76% | $14.4B | |
| Deposits | $29.9B | 80% | $18.0B | |
| Return on assets | 1.23% | 42% | 1.30% | |
| Net interest margin | 3.63% | 52% | 3.61% | |
| Efficiency ratio | 54.7% | 47% | 55.2% | |
| Equity to assets | 11.95% | 61% | 11.57% | |
| Loans to deposits | 82% | 35% | 87% |
Growth
Total assets grew 0.7% a year over the last 5 years and 4.7% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2019 | MidSouth Bank, National Association Lafayette, LA | $1.7B |
| Apr 2017 | First NBC Bank New Orleans, LA | $3.3B |
| Mar 2014 | Whitney Bank New Orleans, LA, an affiliate under the same holding company | $13.0B |
| Jan 2010 | Hancock Bank of Florida Tallahassee, FL, an affiliate under the same holding company | $355M |
| Dec 2009 | Peoples First Community Bank Panama City, FL | $1.8B |
| Sep 2001 | The Lamar Bank Purvis, MS | $424M |
| Aug 1991 | Peoples Federal Savings Association Bay St. Louis, MS | $41M |
| Jun 1990 | Unifirst Bank for Savings, A Federal Savings and Loan Association Jackson, MS | $607M |
| Jun 1990 | Metropolitan National Bank Biloxi, MS | $107M |
| Oct 1985 | Pascagoula-Moss Point Bank Moss Point, MS | $132M |
| Jun 1975 | Bank of Picayune Picayune, MS | n/a |
| Dec 1973 | Bank of Commerce of Poplarville Poplarville, MS | n/a |
Where they operate
186 branches in 62 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Orleans County, LA | $3.9B | 20.2% | 3 of 20 |
| Jefferson County, LA | $2.8B | 20.2% | 1 of 26 |
| East Baton Rouge County, LA | $2.5B | 12.4% | 2 of 35 |
| Harrison County, MS | $2.4B | 50.7% | 1 of 11 |
| St. Tammany County, LA | $1.6B | 20.6% | 1 of 26 |
| Mobile County, AL | $1.5B | 14.2% | 2 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 10 branches since 2016 (196 to 186, −5.1%). 34 opened, 43 acquired, 87 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 196 | |||
| 2016 | Opened 3 in FloridaClosed Palm Harbor and Ponte Vedra Beach | 3 | 2 | +1 | 197 |
| 2017 | Acquired First NBC BankOpened 8 in Louisiana, closed 27 in 2 states | 29 | 27 | +2 | 199 |
| 2018 | Opened 6 in 2 statesClosed 7 in 3 states | 6 | 7 | −1 | 198 |
| 2019 | Acquired MidSouth Bank, National AssociationOpened 4 in 3 states, closed 7 in Louisiana | 26 | 7 | +19 | 217 |
| 2020 | Opened Ponte Vedra Beach and RidgelandClosed 13 in 3 states | 2 | 13 | −11 | 206 |
| 2021 | Closed 27 in 5 states | 0 | 27 | −27 | 179 |
| 2022 | Opened Denham Springs and MobileClosed Hattiesburg | 2 | 1 | +1 | 180 |
| 2023 | Opened 6 in 4 statesClosed Niceville | 6 | 1 | +5 | 185 |
| 2024 | Closed Baton Rouge | 0 | 1 | −1 | 184 |
| 2025 | Opened DallasClosed Panama City | 1 | 1 | 0 | 184 |
| 2026 through Q2 | Opened Little Elm and Plano | 2 | 0 | +2 | 186 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 30% | 17% | |
| Commercial real estate | 27% | 25% | |
| 1-4 family residential | 21% | 21% | |
| Construction and land | 6% | 6% | |
| Multifamily | 5% | 8% | |
| Consumer | 1% | 10% | |
| Other | 9% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 62% | |
| Noninterest-bearing | 35% | 20% | |
| Time deposits | 12% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.56% | 0.63% |
| Net charge-offs, annualized | 0.17% | 0.14% |
| Reserves to loans | 1.27% | 1.14% |
| Leverage ratio | 10.59% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Mississippi
Largest competitors in Orleans County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/hancock-whitney