Hancock Whitney Bank
Gulfport, Mississippi · FDIC Cert #12441
Hancock Whitney Bank is an FDIC-insured bank (Certificate #12441) with $35.4B in total assets and $29.5B in total deposits as of the Q2 2024 Call Report. Headquartered in Gulfport, Mississippi, the bank maintains a Tier 1 capital ratio of 12.87% (Well-Capitalized) and a nonperforming loan ratio of 0.39%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Hancock Whitney Bank (FDIC cert 12441) is a large bank with $35.4B in total assets and $29.5B in deposits, headquartered in Gulfport, Mississippi. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 12.87% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.39% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 24.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.61% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Hancock Whitney Bank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Hancock Whitney Bank
- Total Assets
- $35.4B
- Total Deposits
- $29.5B
- Tier 1 Capital Ratio
- 12.87%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.39%
- Liquidity Ratio
- 24.17%
- Return on Assets
- 1.61%
- Headquarters
- Gulfport, Mississippi
- FDIC Certificate
- #12441
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Hancock Whitney Bank holds a Tier 1 capital ratio of 12.87%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Hancock Whitney Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Hancock Whitney Bank shows strong financial health indicators. With $35.4B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Hancock Whitney Bank Compares
Hancock Whitney Bank’s Health Score of 85 is 19 points above the Mississippi state average of 66 across 45 FDIC-insured banks. Its 12.87% Tier 1 capital ratio is 1.1 points below the US banking industry average near 14%. The 0.39% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.61% is in line with or above the national ROA benchmark of ~1.1%. Among 62 similarly-sized banks, the average Health Score is 79, meaning this bank ranks above its size cohort. Site-wide, Hancock Whitney Bank is 15 points above the portfolio average of 70.
Frequently Asked Questions
Hancock Whitney Bank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.87%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Hancock Whitney Bank's Tier 1 capital ratio of 12.87% and nonperforming loan ratio of 0.39% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Hancock Whitney Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12441). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Hancock Whitney Bank holds $35.4B in total assets and $29.5B in total deposits. It is headquartered in Gulfport, Mississippi (FDIC Certificate #12441).
Hancock Whitney Bank has a Tier 1 capital ratio of 12.87%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.39%, and the return on assets is 1.61%.
Yes. Hancock Whitney Bank is FDIC-insured (Certificate #12441). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Hancock Whitney Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.