Hancock Whitney Corporation (HWC): Business Model Canvas

Entdecken Sie den strategischen Plan hinter dem Erfolg der Hancock Whitney Corporation, einem regionalen Bankkonzern, der Finanzdienstleistungen an der gesamten Golfküste transformiert. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das innovative digitale Lösungen mit einer tiefen Verwurzelung in der Gemeinschaft in Einklang bringt, hat sich HWC als dynamisches Finanzinstitut positioniert, das über das traditionelle Bankwesen hinausgeht. Ihr einzigartiger Ansatz integriert modernste Technologie, personalisierte Kundenerlebnisse und ein Engagement für lokales Wirtschaftswachstum und schafft so ein überzeugendes Narrativ von finanzieller Stärkung und strategischer Innovation.

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Wichtige Partnerschaften

Unternehmen im Bereich Finanztechnologie (Fintech).

Seit dem vierten Quartal 2023 hat Hancock Whitney strategische Digital-Banking-Partnerschaften mit den folgenden Fintech-Anbietern aufgebaut:

Partner	Technologielösung	Umsetzungsjahr
Q2 Mobil	Mobile-Banking-Plattform	2022
Fiserv	Kernbankensysteme	2021
Kariert	Finanzdatenintegration	2023

Lokale Unternehmensnetzwerke

Hancock Whitney unterhält in der gesamten Golfküstenregion Partnerschaften mit den folgenden Netzwerken:

• Wirtschaftsrat der Golfküste
• Alabama Business Network
• Handelskammer von Louisiana
• Mississippi Economic Development Association

Versicherungsanbieter

Strategische Versicherungspartnerschaften ab 2024:

Versicherungspartner	Servicetyp	Dauer der Partnerschaft
Bundesweite Versicherung	Gewerbliche Versicherung	10 Jahre
Staatsfarm	Persönliche Versicherungsprodukte	8 Jahre
Liberty Mutual	Geschäftsrisikomanagement	5 Jahre

Korrespondenzbankbeziehungen

Das aktuelle Korrespondenzbanknetzwerk umfasst:

• Erste Horizon Bank
• Regionsbank
• Whitney Bank
• Gemeinschaftsbank von Louisiana

Gemeinschaftsorganisationen

Wichtige Partnerschaften zur Gemeindeentwicklung:

Organisation	Fokusbereich	Jährliche Investition
Vereinigter Weg	Gemeinschaftsentwicklung	$750,000
Lokale Wirtschaftsentwicklungsagenturen	Unterstützung für kleine Unternehmen	1,2 Millionen US-Dollar
Community College-Partnerschaften	Schulung der Belegschaft	$500,000

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Gesamtvermögen: 37,3 Milliarden US-Dollar (4. Quartal 2023)

Servicekategorie	Gesamtkonten	Jahresumsatz
Geschäftsprüfung	87,542	214,6 Millionen US-Dollar
Persönliche Überprüfung	456,321	328,9 Millionen US-Dollar

Vermögensverwaltung und Anlageberatung

Verwaltetes Vermögen: 8,2 Milliarden US-Dollar (2023)

• Anzahl der Vermögensverwaltungskunden: 42.675
• Durchschnittlicher Portfoliowert: 192.000 $
• Anlageberatungsgebühren: 76,3 Millionen US-Dollar pro Jahr

Hypothekendarlehen und Immobilienfinanzierung

Darlehenstyp	Gesamtvolumen	Durchschnittlicher Zinssatz
Wohnhypotheken	3,6 Milliarden US-Dollar	6.75%
Gewerbeimmobilien	2,1 Milliarden US-Dollar	7.25%

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Nutzer: 624.000 (2023)

• Downloads mobiler Apps: 412.000
• Online-Transaktionsvolumen: 18,3 Millionen pro Jahr
• Investition in digitales Banking: 47,5 Millionen US-Dollar

Risikomanagement und Finanzberatung

Gesamtes Risikomanagement-Portfolio: 5,4 Milliarden US-Dollar

Risikomanagementdienst	Kundenanzahl	Jahresumsatz
Unternehmensrisikoberatung	1,245	89,6 Millionen US-Dollar
Finanzielle Compliance-Beratung	876	62,3 Millionen US-Dollar

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Im vierten Quartal 2023 unterhält die Hancock Whitney Corporation 272 Full-Service-Filialen in 6 Bundesstaaten: Louisiana, Mississippi, Alabama, Florida, Texas und Tennessee.

Staat	Anzahl der Filialen
Louisiana	96
Mississippi	58
Alabama	42
Florida	38
Texas	24
Tennessee	14

Digitale Banking-Infrastruktur

Funktionen der digitalen Banking-Plattform:

• Mobile-Banking-App mit über 750.000 aktiven Nutzern
• Online-Banking-Plattform, die mehr als 450.000 digitale Kunden unterstützt
• Echtzeit-Transaktionsüberwachung und Sicherheitsfunktionen

Personalwesen

Zum 31. Dezember 2023 beschäftigt Hancock Whitney 5.400 Vollzeitkräfte.

Mitarbeiterkategorie	Anzahl der Mitarbeiter
Exekutive Führung	18
Geschäftsleitung	125
Bankprofis	4,257

Finanzielle Ressourcen

Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 37,8 Milliarden US-Dollar
• Gesamteinlagen: 32,6 Milliarden US-Dollar
• Gesamteigenkapital: 4,2 Milliarden US-Dollar
• Kernkapitalquote: 12,7 %

Daten- und Analysefunktionen

Wichtige Infrastruktur für die Datenanalyse:

• Das Customer Data Warehouse verarbeitet monatlich 2,5 Millionen Kundeninteraktionen
• Fortschrittliche Predictive-Analytics-Plattform
• Algorithmen des maschinellen Lernens zur Risikobewertung

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Privatpersonen und Unternehmen

Mit Stand vom vierten Quartal 2023 bietet die Hancock Whitney Corporation personalisierte Banklösungen mit einem Gesamtvermögen von 36,4 Milliarden US-Dollar und Gesamteinlagen von 27,5 Milliarden US-Dollar an. Die Bank betreut rund 550.000 Kunden in sieben Bundesstaaten im Südosten der USA.

Kundensegment	Bankprodukte	Anzahl der Angebote
Persönliches Banking	Girokonten	12 verschiedene Kontotypen
Geschäftsbanking	Geschäftskredite	8 spezialisierte Kreditprogramme
Vermögensverwaltung	Wertpapierdienstleistungen	6 Anlageportfolio-Optionen

Lokale, gemeinschaftsorientierte Finanzdienstleistungen

Hancock Whitney unterhält 167 Niederlassungen in Louisiana, Mississippi, Alabama, Florida, Texas und Tennessee, wobei der Schwerpunkt auf dem Engagement der lokalen Gemeinschaft liegt.

• Gemeinschaftsinvestition im Jahr 2023: 45,2 Millionen US-Dollar
• Lokale Kredite für Kleinunternehmen: 1,3 Milliarden US-Dollar
• Zuschüsse für die Gemeindeentwicklung: 7,6 Millionen US-Dollar

Integrierte digitale und traditionelle Bankerfahrungen

Statistiken zur digitalen Banking-Plattform ab 2023:

Digitaler Service	Benutzerinteraktion
Mobile-Banking-Benutzer	325,000
Online-Banking-Benutzer	412,000
Digitales Transaktionsvolumen	26,4 Millionen pro Jahr

Umfassendes Finanzproduktportfolio

Aufschlüsselung des Produktportfolios für 2023:

• Privatbankprodukte: 24 verschiedene Angebote
• Business-Banking-Produkte: 19 spezialisierte Dienstleistungen
• Hypothekenprodukte: 7 Kreditarten
• Investment Services: 12 verschiedene Anlagemöglichkeiten

Wettbewerbsfähige Zinssätze und Finanzberatung

Zinssätze und Finanzberatungsleistungen ab Q4 2023:

Produkt	Zinssatz
Persönliches Sparkonto	3.75%
Geschäfts-Girokonto	2.25%
Zinssatz für Privatkredite	6.99% - 15.99%

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Kundenbeziehungen

Personalisierter Kundenservice-Ansatz

Ab 2024 unterhält die Hancock Whitney Corporation 181 Full-Service-Bankstandorte in Louisiana, Mississippi, Alabama, Florida und Texas. Zu den Kundendienstkennzahlen gehören:

Servicemetrik	Statistik
Durchschnittliche Reaktionszeit des Kundendienstes	Weniger als 24 Stunden
Bewertung der Kundenzufriedenheit	4.2/5
Jährliches Kundeninteraktionsvolumen	2,3 Millionen

Digitale Banking-Plattformen und mobile Anwendungen

Zu den digitalen Banking-Funktionen gehören:

• Mobile-Banking-App mit 450.000 aktiven Nutzern
• Online-Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen
• Sicherheitsbewertung der digitalen Banking-Plattform: SOC 2-konform

Beziehungsmanagement für Geschäfts- und Privatkunden

Kundensegment	Anzahl der Kunden	Durchschnittlicher Beziehungswert
Persönliche Bankkunden	376,000	$87,500
Geschäftsbankkunden	42,500	$425,000

Regelmäßige Finanzbildungs- und Beratungsdienste

Zu den Finanzbildungsprogrammen gehören:

• Kostenlose Webinare: 48 Sitzungen jährlich
• Online-Ressourcen zur Finanzkompetenz
• Persönliche Beratung zur Finanzplanung

Community-Engagement und lokale Unterstützungsprogramme

Kategorie „Gemeinschaftliche Investitionen“.	Jährlicher Beitrag
Zuschüsse für die Gemeindeentwicklung	3,2 Millionen US-Dollar
Lokale gemeinnützige Unterstützung	187 Organisationen
Freiwilligenstunden	12.500 Stunden

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2023 betreibt die Hancock Whitney Corporation 275 Full-Service-Banking-Standorte im Südosten der USA, insbesondere in folgenden Bundesstaaten:

• Alabama
• Florida
• Louisiana
• Mississippi
• Texas

Staat	Anzahl der Filialen
Alabama	62
Florida	89
Louisiana	73
Mississippi	41
Texas	10

Online-Banking-Plattformen

Hancock Whitney bietet über seine sichere Online-Plattform umfassende digitale Bankdienstleistungen an, die Folgendes unterstützt:

• Kontoverwaltung
• Rechnungszahlung
• Geldtransfers
• Mobile Scheckeinzahlung
• Transaktionsverlauf

Mobile-Banking-Anwendungen

Ab dem vierten Quartal 2023 verfügt die Mobile-Banking-Anwendung von Hancock Whitney über:

• Über 500.000 aktive mobile Nutzer
• Verfügbar auf iOS- und Android-Plattformen
• Biometrische Anmeldefunktionen
• Transaktionswarnungen in Echtzeit

Callcenter-Unterstützung

Hancock Whitney unterhält Kundensupportzentren mit den folgenden Kennzahlen:

• Kundendienst rund um die Uhr verfügbar
• Durchschnittliche Antwortzeit: 2,5 Minuten
• Mehrere Supportkanäle, einschließlich Telefon, E-Mail und Chat

Digitale Kommunikations- und Marketingkanäle

Digitaler Kanal	Anzahl der Follower/Abonnenten
LinkedIn	47,000
Facebook	35,000
Twitter	12,500
Instagram	8,200

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Hancock Whitney betreut rund 51.000 Gewerbe- und Kleinunternehmenskunden in der Golf-Süd-Region. Gesamtportfolio an gewerblichen Krediten, Stand 4. Quartal 2023: 10,3 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Kleinstunternehmen	22,500	$125,000
Kleine Unternehmen	18,500	$475,000
Mittlere Unternehmen	10,000	1,2 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 262.000, Stand Dezember 2023.

• Persönliche Girokonten: 187.000
• Sparkonten: 145.000
• Privatkreditkunden: 53.000

Vermögende Privatpersonen

Segment Vermögensverwaltung: 15.300 Kunden mit einem verwalteten Gesamtvermögen von 4,6 Milliarden US-Dollar im Jahr 2023.

Vermögensstufe	Kundenanzahl	Durchschnittlicher Portfoliowert
Vermögende Unternehmen (1 bis 10 Millionen US-Dollar)	11,200	2,3 Millionen US-Dollar
Sehr vermögend (>10 Mio. USD)	4,100	15,6 Millionen US-Dollar

Gewerbe- und Firmenkunden

Das Firmenkundensegment betreut 6.800 Kunden mit einem Gesamtkreditvolumen von 8,7 Milliarden US-Dollar im Jahr 2023.

• Kunden aus der Energiebranche: 1.200
• Kunden aus der Gesundheitsbranche: 850
• Immobilien- und Baukunden: 1.100

Lokale gemeinschaftliche und regionale Marktsegmente

Geografische Abdeckung: 5 Bundesstaaten (Louisiana, Mississippi, Alabama, Florida, Texas) mit 260 Finanzzentren.

Staat	Anzahl der Filialen	Marktdurchdringung
Louisiana	95	38%
Mississippi	62	29%
Alabama	48	22%
Florida	38	15%
Texas	17	6%

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Kostenstruktur

Wartung von Zweigstellen und digitaler Infrastruktur

Im Jahr 2023 betrieb die Hancock Whitney Corporation 181 Finanzzentren in mehreren Bundesstaaten. Die jährlichen Wartungskosten für die Infrastruktur wurden auf 42,3 Millionen US-Dollar geschätzt.

Kategorie „Infrastruktur“.	Jährliche Kosten
Wartung physischer Zweigstellen	24,7 Millionen US-Dollar
Wartung der digitalen Plattform	17,6 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Im Jahr 2023 erreichten die gesamten Personalkosten 453,2 Millionen US-Dollar.

• Grundgehälter: 312,6 Millionen US-Dollar
• Gesundheitsleistungen: 67,4 Millionen US-Dollar
• Ruhestandsbeiträge: 45,8 Millionen US-Dollar
• Leistungsprämien: 27,4 Millionen US-Dollar

Investitionen in Technologie und digitale Plattformen

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 86,5 Millionen US-Dollar.

Technologie-Investitionsbereich	Ausgaben
Verbesserungen der Cybersicherheit	32,1 Millionen US-Dollar
Digitale Banking-Plattform	28,7 Millionen US-Dollar
KI und maschinelles Lernen	25,7 Millionen US-Dollar

Einhaltung gesetzlicher Vorschriften und Risikomanagement

Die Compliance-Kosten beliefen sich im Jahr 2023 auf 61,9 Millionen US-Dollar.

• Rechts- und Regulierungsberatung: 24,3 Millionen US-Dollar
• Compliance-Software: 18,6 Millionen US-Dollar
• Interne Revisionsprozesse: 19 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 37,8 Millionen US-Dollar.

Marketingkanal	Ausgaben
Digitales Marketing	16,5 Millionen US-Dollar
Traditionelle Medienwerbung	12,3 Millionen US-Dollar
Kampagnen zur Kundengewinnung	9 Millionen Dollar

Hancock Whitney Corporation (HWC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete die Hancock Whitney Corporation einen Gesamtzinsertrag von 1,68 Milliarden US-Dollar. Die Zinserträge gliedern sich wie folgt:

Kategorie	Betrag (in Millionen)
Kredite und Leasing	$1,456
Anlagewertpapiere	$224

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 288 Millionen US-Dollar, mit den folgenden Dienstleistungskategorien:

• Gebühren für Einlagenkonten: 127 Millionen US-Dollar
• Überziehungsgebühren: 62 Millionen US-Dollar
• Geldautomaten- und Transaktionsgebühren: 49 Millionen US-Dollar
• Andere Bankdienstleistungen: 50 Millionen US-Dollar

Vermögensverwaltungs- und Beratungsgebühren

Die Einnahmen aus der Vermögensverwaltung beliefen sich im Jahr 2023 auf 156 Millionen US-Dollar und setzten sich zusammen aus:

Service	Umsatz (in Millionen)
Anlageberatungsdienste	$98
Treuhand- und Treuhanddienstleistungen	$58

Hypotheken- und Immobilienfinanzierung

Hypotheken- und Immobilienfinanzierungen generierten im Jahr 2023 einen Umsatz von 214 Millionen US-Dollar:

• Vergabe von Wohnhypotheken: 142 Millionen US-Dollar
• Gewerbliche Immobilienkredite: 72 Millionen US-Dollar

Treasury- und Kapitalmarkttransaktionen

Treasury- und Kapitalmarkttransaktionen trugen im Jahr 2023 95 Millionen US-Dollar zu den Einnahmequellen bei:

Transaktionstyp	Umsatz (in Millionen)
Handelserträge	$42
Devisendienstleistungen	$33
Derivate und Absicherung	$20

Hancock Whitney Corporation (HWC) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Hancock Whitney Corporation over competitors, which are deeply rooted in financial performance and a specific service model.

Financial strength and stability is a primary differentiator in the regional banking space, backed by a balance sheet that shows growth even in a complex rate environment.

Metric	Value (as of Q3 2025)	Context/Period
Total Assets	$35.766 Billion	Quarter ending September 30, 2025
Year-over-Year Total Asset Growth	1.5% Increase	Year-over-year as of September 30, 2025
Net Income	$127.5 Million	Third Quarter 2025
Diluted Earnings Per Share (EPS)	$1.49	Third Quarter 2025
Total Loans	$23.6 Billion	As of September 30, 2025
Net Interest Income (NII)	$282.3 Million	Third Quarter 2025

This stability supports a full-service commercial, retail, and private banking under one roof value proposition across its footprint.

• Geographic footprint includes offices in Mississippi, Alabama, Florida, Louisiana, and Texas.
• Production offices also operate in the greater metropolitan areas of Nashville, Tennessee, and Atlanta, Georgia.
• Services span traditional and online banking, commercial and small business banking, private banking, and mortgage services.

The integration of specialized services provides a deeper offering. This includes comprehensive wealth and trust services following the Sabal acquisition, which had supplemental disclosure items noted in the second quarter of 2025.

The underlying philosophy is a relationship-centric banking model, moving beyond transactional services, guided by core values like Honor & Integrity, Strength & Stability, and Commitment to Service. This focus helps drive fee income, which grew to $106 million in the third quarter of 2025, an 8% increase from the prior quarter.

Finally, Hancock Whitney Corporation delivers consistent shareholder returns, supported by a $0.45 per share quarterly dividend. This dividend has been paid uninterrupted since 1967. The approved fourth quarter 2025 dividend of $0.45 per share is payable on December 15, 2025.

Here's the quick math on the dividend sustainability based on recent figures:

• Q4 2025 Quarterly Dividend Amount: $0.45 per share.
• Implied Payout Ratio (based on one source's $3.89 basic EPS): Roughly 11.6%.
• Historical Annualized Payout Ratio (based on $1.75 annual dividend and $1.49 past year EPS): 31.31%.

Finance: draft 13-week cash view by Friday.

Hancock Whitney Corporation (HWC) - Canvas Business Model: Customer Relationships

You're looking at how Hancock Whitney Corporation (HWC) keeps its clients close, which is key for a regional bank competing against larger national players. Their approach is definitely a blend of old-school personal touch and modern digital tools.

The foundation of their customer interaction rests on deeply held principles. HWC embodies core values of Honor & Integrity, Strength & Stability, and Commitment to Service, Teamwork, and Personal Responsibility since the late 1800s. This commitment to integrity is backed by action; for instance, in 2023, the corporation achieved a 98% completion rate for ethics and compliance training across its workforce.

The high-touch service model is most evident in specialized client groups. HWC focuses on deepening client relationships, evidenced by a strategy emphasizing more granular, full-relationship loans in 2025. This requires dedicated personnel.

The relationship team is expanding to support growth, especially in wealth management following the Sabal Trust Company acquisition in May 2025.

Here's a look at the scale of the relationship focus areas as of mid-2025:

Relationship Metric	Value as of Q1/Q2 2025	Context/Date
Total Assets	$34.8 billion	March 31, 2025
Assets Under Management (AUM)	$10.3 billion	March 31, 2025
AUM Added via Sabal Trust Acquisition	$5.5 billion	May 2025
Total Full-Time Equivalent Associates	3,476	December 31, 2024
New Bankers Hired (YTD Q2 2025)	10	By Q2 2025
New Bankers Planned Hires (Rest of 2025)	14	Planned by year-end 2025

The personalized attention includes regular client meetings to review financial plans and access to experienced subject matter specialists. For Commercial & Industrial (C&I) and private wealth clients, this translates to direct access to professionals like Senior Vice President Middle Market Bankers and Senior Portfolio Managers.

HWC balances this personal service with self-service digital convenience. The company invested over $10 million in digital banking technology in 2024 to enhance customer experience. This supports transactional needs, even as the bank prioritizes relationship loans. Nationally, 77% of consumers prefer managing accounts via mobile app or computer, and 83% of U.S. adults used digital banking services as of 2025.

The long-term focus is explicitly tied to client goals and legacy building. The bank states its focus is always on your long-term financial goals and what is most important to you.

The relationship approach is quantified by service delivery metrics:

• - Dedicated professionals for C&I and private wealth segments.
• - High-touch service model across the Gulf South footprint, including 180 full-service banking locations.
• - Investment of over $10 million in digital technology in 2024.
• - Core values of Honor & Integrity guiding client interactions.

Finance: review the Q3 2025 loan pipeline to confirm relationship loan growth aligns with the low single-digit guidance for the year.

Hancock Whitney Corporation (HWC) - Canvas Business Model: Channels

You're looking at how Hancock Whitney Corporation (HWC) gets its services to customers across its footprint. It's a mix of traditional brick-and-mortar presence and modern digital tools, which is pretty standard for a regional bank of this size.

The physical footprint is concentrated in the Gulf South, but they are definitely pushing into key growth markets like Atlanta and Nashville through specialized offices.

Channel Component	Geographic Scope / Detail	Latest Available Metric (as of late 2025)
Physical Branch Network	Mississippi, Louisiana, Alabama, Florida, and Texas	183 Number of Offices (as of September 30, 2025)
ATMs	Regional Footprint	Nearly 300 ATMs throughout the region
Digital/Mobile Banking	Retail and Business Users	Demand Deposit Accounts (DDAs) totaled $10.6 billion at June 30, 2025
Digital Channel Penetration	Deposit Base	DDAs comprised 37% of total period-end deposits at June 30, 2025
Loan/Deposit Production Offices	Key Metro Areas	Offices in the greater metropolitan areas of Nashville, Tennessee, and Atlanta, Georgia
Wealth Management Assets	Trust and Asset Management	$35.5 billion in Assets Under Administration (as of March 31, 2025)
Wealth Management Growth Driver	Sabal Trust Company Acquisition	Sabal Trust contributed $3.6 million to Trust fees in Q2 2025

The physical network is the backbone, but you can see the digital channel is substantial, evidenced by the $10.6 billion in DDA balances. That's a lot of transactional business happening outside of a teller line.

Hancock Whitney Corporation uses a multi-pronged approach to reach different customer needs, which means different teams are responsible for different touchpoints. For instance, the commercial side relies heavily on direct interaction.

Here's a breakdown of the specific channel types mentioned:

• - Physical branch network across Mississippi, Louisiana, Alabama, Florida, and Texas, with 183 offices reported as of the third quarter of 2025.
• - Digital and mobile banking platforms supporting retail and business users, with DDA balances at $10.6 billion on June 30, 2025.
• - Dedicated loan and deposit production offices established in high-growth metro areas like Atlanta and Nashville.
• - Wealth Management and Trust Services division offices, bolstered by the May 2, 2025, acquisition of Sabal Trust Company.
• - A direct sales force supporting commercial and industrial lending, private banking, and healthcare banking segments.

The expansion into new markets like Atlanta and Nashville is clearly channel-driven, focusing on production offices rather than immediately rolling out a full-service financial center footprint everywhere. That's a capital-efficient way to start building commercial relationships in a new area. Finance: draft 13-week cash view by Friday.

Hancock Whitney Corporation (HWC) - Canvas Business Model: Customer Segments

You're looking at the core client base that drives Hancock Whitney Corporation's business, which is heavily concentrated in the Gulf South region, but actively expanding, especially into Texas and Florida. The focus is clearly on deepening relationships across these segments, as evidenced by the strategic hiring plan of 24-30 revenue-focused staff by the end of 2025.

The primary customer segments served by Hancock Whitney Corporation as of late 2025 are:

• - Commercial and Industrial (C&I) businesses, particularly middle market.
• - Affluent individuals and families needing wealth and trust management.
• - Retail customers within the core Gulf South footprint.
• - Small businesses seeking treasury and traditional banking services.
• - Commercial Real Estate (CRE) and Healthcare sector clients.

The scale of the client base can be seen through the balance sheet figures reported through the third quarter of 2025. Total Deposits stood at $28.7 billion as of September 30, 2025. Total Loans were $23.6 billion at the same date.

Commercial and Industrial (C&I) and Small Business Clients

Hancock Whitney Corporation serves a diversified commercial customer base, including industries like wholesale/retail trade, manufacturing, financial/professional services, marine transportation, and energy. The bank emphasizes originating more granular, full-service-relationship loans over loan-only relationships. Loan growth in the second quarter of 2025 was significant, increasing by $363.6 million, or 6% annualized, driven by stronger demand across commercial segments. The total loan portfolio growth continued into the third quarter of 2025, with total loans increasing by $134.8 million, or 1% linked-quarter, reaching $23.6 billion.

The need for treasury and traditional banking services from small businesses is supported by the bank's deposit base composition:

Deposit Category (As of Q3 2025 End)	Amount	Percentage of Total Deposits
Total Period-End Deposits	$28.7 billion	100%
Noninterest-bearing DDAs (Demand Deposits)	$10.3 billion	36%
Interest-bearing Transaction and Savings Deposits	$11.8 billion	N/A
Retail Time Deposits (CDs)	$3.8 billion	N/A

The noninterest-bearing DDA balance of $10.3 billion comprised 36% of total period-end deposits as of September 30, 2025. This indicates a substantial base of operating cash from commercial and retail clients seeking treasury management solutions.

Affluent Individuals and Wealth Management

The focus on high-net-worth individuals is bolstered by the recent strategic acquisition of Sabal Trust Company, which was completed in early 2025 for $250 million. This acquisition was a direct move to enhance wealth management services. The Sabal Trust acquisition added $5.5 billion in Assets Under Management (AUM) to Hancock Whitney Corporation. As of March 31, 2025, the company reported $10.3 billion in Assets Under Management and $35.5 billion in Assets Under Administration.

This segment directly contributes to fee income; trust fees specifically rose $4.7 million in the second quarter of 2025, with $3.6 million directly tied to the Sabal acquisition. The leadership team in this area averages over 30+ years of experience navigating market cycles.

Retail Customers and Geographic Footprint

Retail customers are served across the core footprint, which includes offices and financial centers in Mississippi, Alabama, Florida, Louisiana, and Texas. Furthermore, the company operates combined loan and deposit production offices in the greater metropolitan areas of Nashville, Tennessee, and Atlanta, Georgia.

The retail deposit base includes:

• - Retail Time Deposits totaled $3.9 billion at the end of the third quarter of 2025.
• - Interest-bearing Transaction and Savings Deposits totaled $11.8 billion at the end of the third quarter of 2025.

Commercial Real Estate (CRE) and Healthcare Sector Clients

Hancock Whitney Corporation continually monitors its concentration risk across various loan portfolios, including Commercial Real Estate (CRE) and Healthcare services. The bank serves clients in the healthcare services industry as part of its Commercial and Industrial loan offerings. While specific loan dollar amounts for CRE and Healthcare segments aren't broken out in the latest reports, they are explicitly mentioned as sectors whose concentrations are managed against the total loan portfolio of $23.6 billion (Q3 2025).

Hancock Whitney Corporation (HWC) - Canvas Business Model: Cost Structure

You're looking at the expense side of Hancock Whitney Corporation's (HWC) operations as of late 2025, which really shows where the capital is being deployed to support their regional banking model. Honestly, managing these costs is key to maintaining that strong Return on Assets (ROA) of 1.46% reported for Q3 2025.

Personnel expenses are a major component, reflecting the bank's investment in its relationship-based model, especially in growth markets like Dallas and Atlanta. For the third quarter of 2025, personnel expense hit \$122.0 million. This was an increase of 5% linked-quarter, driven by hiring efforts, which directly relates to building out those revenue-producing teams you see in the Key Partners and Customer Relationships sections of the canvas.

The overall noninterest expense for Q3 2025 was reported at \$212.8 million, which was actually a slight decrease of 1% from the linked quarter. This efficiency improvement helped push the efficiency ratio down to 54.10% for the quarter. Here's a quick look at how some of those key cost buckets stacked up for the third quarter of 2025:

Expense Component	Q3 2025 Amount (in millions)	Linked Quarter Change
Personnel Expenses	\$122.0	Up 5%
Net Occupancy and Equipment Expense	\$18.2	Down 1%
Other Expenses (Includes Tech/Prof. Services)	\$70.2	Down 9%
Total Noninterest Expense	\$212.8	Down 1%

Regarding noninterest expenses covering technology and professional services, the 'Other expenses' line item gives us a good proxy. This category totaled \$70.2 million in Q3 2025, showing a decrease of 9% linked-quarter. Management specifically noted this decrease was primarily related to lower data processing and professional services expense. This suggests a temporary reduction or successful management of project-based spending.

The cost associated with maintaining the physical footprint-the extensive branch network-falls under occupancy and equipment costs. Net occupancy and equipment expense was \$18.2 million in the third quarter of 2025, a marginal change, down 1% from the second quarter.

The provision for credit losses (PCL) is a critical, though variable, cost reflecting expected credit risk. As you noted, the provision for credit losses recorded in Q3 2025 was \$12.7 million, which was lower than the \$14.9 million recorded in Q2 2025. This was set against total net charge-offs of \$11.4 million for the quarter.

Interest expense on deposits and other borrowings is managed through the overall cost of funds. For Q3 2025, the overall cost of funds was up 2 basis points to 1.59%. The cost of deposits specifically trended down slightly to 1.64% for the quarter. This positive trend on deposit costs was partially offset by higher average other borrowing volumes and rates, which impacts the total interest expense structure.

You should track the trend in personnel expenses closely; it's the largest single component of noninterest expense and directly ties to their growth strategy. Finance: draft 13-week cash view by Friday.

Hancock Whitney Corporation (HWC) - Canvas Business Model: Revenue Streams

The revenue streams for Hancock Whitney Corporation (HWC) are fundamentally driven by traditional banking activities, centered on interest income from assets and various noninterest fee-based services.

Net Interest Income (NII) remains the primary engine, derived from the spread between interest earned on earning assets and interest paid on liabilities. For the third quarter of 2025, Net Interest Income (on a fully taxable equivalent basis, TE) totaled $282.3 million. This performance was supported by average earning assets of $32.2 billion for the same period.

The interest earned on the loan portfolio is a key component of NII. Total loans stood at $23.6 billion as of September 30, 2025. This portfolio includes interest income generated from:

• - Commercial and industrial loans.
• - Commercial real estate loans.
• - Construction and land development loans.
• - Residential mortgages.
• - Consumer loans.

The second major component of revenue is Noninterest Income, which totaled $106.0 million for the third quarter of 2025. This line item reflects the growth in fee-based services, with total fee income growing for the third consecutive quarter to reach $106 million.

You can see the breakdown of the Noninterest Income sources below. Note that the sum of these components is approximately $106.001 million.

Revenue Source Component	Q3 2025 Amount (in thousands)
Service charges on deposit accounts	$25,220
Trust fees	$24,211
Investment and annuity fees and insurance commissions	$14,507
Other income	$16,774
Bank card and ATM fees	$21,814
Fees from secondary mortgage operations	$3,475

Specific fee-based revenue streams supporting wealth management and transactional services include:

• - Trust, investment, and brokerage fees: Trust fees specifically were $24.211 million in Q3 2025, showing growth partly due to the Sabal Trust Company acquisition. Investment and annuity fees were $14.507 million.
• - Service charges on deposit accounts: This component generated $25.220 million. Treasury management fees fall under the general fee income category, often reflected in service charges or other income.

The growth in fee income was significantly led by investment, insurance, and annuity fees, which hit a record high for HWC. Other noninterest income, at $16.774 million, included items like higher syndication fees and gains on sales of SBA loans.