BlastPoint's Banking Scorecard
Hancock Whitney Bank
Large
Specialty: Commercial
MS
FDIC cert 12441
Gulfport, MS
69
banks in Large tier nationally
2 in MS
View Large leaderboard (MS) →
Hancock Whitney Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.06% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Large
- - Credit Quality Pressure: Bottom 15% in Large
- - Deposit Outflow: Bottom 50% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.5B
+1.1% YoY
-0.8% QoQ
|
-$39.4B |
$74.9B
-4.4% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$23.7B
+3.0% YoY
+1.6% QoQ
|
-$22.7B |
$46.4B
-2.1% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$29.6B
-0.8% YoY
+2.2% QoQ
|
-$30.9B |
$60.5B
-4.5% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.41%
+5.4% YoY
+0.9% QoQ
|
+0.21% |
1.19%
+17.8% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.54%
+2.4% YoY
+0.5% QoQ
|
+0.08% |
3.46%
+13.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
54.48%
-1.1% YoY
-0.0% QoQ
|
-0.54% |
55.03%
-2.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.57%
+10.6% YoY
-3.3% QoQ
|
-0.30% |
0.88%
-0.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
80.14%
+3.7% YoY
-0.6% QoQ
|
-1.58% |
81.72%
+3.9% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
36.03%
-1.4% YoY
-1.4% QoQ
|
+16.06% |
19.97%
+0.5% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+1.2% YoY
+1.6% QoQ
|
-0.13% |
0.55%
+9.0% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.24%
-3.1% YoY
-3.1% QoQ
|
-0.09% |
13.33%
-0.7% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
1.10%
+9.4% YoY
+37.3% QoQ
|
+0.01% |
1.09%
+2.4% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Large
Why this stands out
Current:
36.03%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (3)
Credit Risk Growth
risk
#3 of 26 · Bottom 8% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#6 of 35 · Bottom 15% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.57%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#6 of 11 · Bottom 50% in Large
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
11 of 11 Large banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 36.03% · Tier avg: 19.97%
74
74th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.19%
72
72th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 1.09%
67
67th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.88%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.55%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.14% · Tier avg: 81.72%
61
61th pctile
Efficiency Ratio
Current: 54.48% · Tier avg: 55.03%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.24% · Tier avg: 13.33%
57
57th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.46%
39
39th pctile
Total Deposits
Current: $29.6B · Tier avg: $60.5B
36
36th pctile
Total Assets
Current: $35.5B · Tier avg: $74.9B
33
33th pctile
Total Loans
Current: $23.7B · Tier avg: $46.4B
Top Weaknesses
33
33th pctile
Total Loans
Current: $23.7B · Tier avg: $46.4B
36
36th pctile
Total Assets
Current: $35.5B · Tier avg: $74.9B
39
39th pctile
Total Deposits
Current: $29.6B · Tier avg: $60.5B
57
57th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.46%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.24% · Tier avg: 13.33%
61
61th pctile
Efficiency Ratio
Current: 54.48% · Tier avg: 55.03%
62
62th pctile
Loan-to-Deposit Ratio
Current: 80.14% · Tier avg: 81.72%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.55%
67
67th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.88%
72
72th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 1.09%
74
74th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.19%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 36.03% · Tier avg: 19.97%