Hancock Whitney Corporation (HWC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Descubra el plan estratégico detrás del éxito de Hancock Whitney Corporation, una potencia bancaria regional que transforma los servicios financieros en la costa del Golfo. Al crear meticulosamente un modelo de negocio que equilibra soluciones digitales innovadoras con profundas raíces comunitarias, HWC se ha posicionado como una institución financiera dinámica que va más allá de la banca tradicional. Su enfoque único integra tecnología de vanguardia, experiencias personalizadas de los clientes y un compromiso con el crecimiento económico local, creando una narrativa convincente del empoderamiento financiero y la innovación estratégica.

Hancock Whitney Corporation (HWC) - Modelo de negocios: asociaciones clave

Empresas de tecnología financiera (fintech)

A partir del cuarto trimestre de 2023, Hancock Whitney ha establecido asociaciones estratégicas de banca digital con los siguientes proveedores de fintech:

Pareja	Solución tecnológica	Año de implementación
Q2 Mobile	Plataforma de banca móvil	2022
Fiserv	Sistemas bancarios centrales	2021
Tartán	Integración de datos financieros	2023

Redes comerciales locales

Hancock Whitney mantiene asociaciones en la región de la costa del Golfo con las siguientes redes:

• Consejo de Negocios de la Costa del Golfo
• Red de negocios de Alabama
• Cámara de Comercio de Louisiana
• Asociación de Desarrollo Económico de Mississippi

Proveedores de seguros

Asociaciones de seguro estratégico a partir de 2024:

Socio	Tipo de servicio	Duración de la asociación
Seguro nacional	Seguro comercial	10 años
Granja estatal	Productos de seguro personal	8 años
Libertad Mutual	Gestión de riesgos comerciales	5 años

Relaciones bancarias corresponsales

La red bancaria corresponsal actual incluye:

• First Horizon Bank
• Banco de regiones
• Whitney Bank
• Banco Comunitario de Louisiana

Organizaciones comunitarias

Asociaciones clave de desarrollo comunitario:

Organización	Área de enfoque	Inversión anual
United Way	Desarrollo comunitario	$750,000
Agencias de desarrollo económico local	Soporte de pequeñas empresas	$ 1.2 millones
Asociaciones de la universidad comunitaria	Capacitación de la fuerza laboral	$500,000

Hancock Whitney Corporation (HWC) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

Activos totales: $ 37.3 mil millones (cuarto trimestre 2023)

Categoría de servicio	Cuentas totales	Ingresos anuales
Verificación de negocios	87,542	$ 214.6 millones
Comprobación personal	456,321	$ 328.9 millones

Aviso de gestión de patrimonio e inversiones

Activos bajo administración: $ 8.2 mil millones (2023)

• Número de clientes de gestión de patrimonio: 42,675
• Valor promedio de la cartera: $ 192,000
• Tarifas de asesoramiento de inversiones: $ 76.3 millones anuales

Préstamos hipotecarios y financiamiento inmobiliario

Tipo de préstamo	Volumen total	Tasa de interés promedio
Hipotecas residenciales	$ 3.6 mil millones	6.75%
Inmobiliario comercial	$ 2.1 mil millones	7.25%

Desarrollo de la plataforma de banca digital

Usuarios de banca digital: 624,000 (2023)

• Descargas de aplicaciones móviles: 412,000
• Volumen de transacciones en línea: 18.3 millones por año
• Inversión bancaria digital: $ 47.5 millones

Gestión de riesgos y consultoría financiera

Portafolio total de gestión de riesgos: $ 5.4 mil millones

Servicio de gestión de riesgos	Recuento de clientes	Ingresos anuales
Aviso de riesgo corporativo	1,245	$ 89.6 millones
Consultoría de cumplimiento financiero	876	$ 62.3 millones

Hancock Whitney Corporation (HWC) - Modelo de negocios: recursos clave

Red de sucursal extensa

A partir del cuarto trimestre de 2023, Hancock Whitney Corporation mantiene 272 sucursales de servicio completo en 6 estados: Louisiana, Mississippi, Alabama, Florida, Texas y Tennessee.

Estado	Número de ramas
Luisiana	96
Misisipí	58
Alabama	42
Florida	38
Texas	24
Tennesse	14

Infraestructura bancaria digital

Características de la plataforma bancaria digital:

• Aplicación de banca móvil con más de 750,000 usuarios activos
• Plataforma de banca en línea que admite más de 450,000 clientes digitales
• Monitoreo de transacciones en tiempo real y características de seguridad

Recursos humanos

Al 31 de diciembre de 2023, Hancock Whitney emplea a 5.400 profesionales a tiempo completo.

Categoría de empleado	Número de empleados
Liderazgo ejecutivo	18
Alta gerencia	125
Profesionales bancarios	4,257

Recursos financieros

Métricas financieras a partir del cuarto trimestre 2023:

• Activos totales: $ 37.8 mil millones
• Depósitos totales: $ 32.6 mil millones
• Total de capital de los accionistas: $ 4.2 mil millones
• Relación de capital de nivel 1: 12.7%

Capacidades de datos y análisis

Infraestructura de análisis de datos clave:

• Procesamiento del almacén de datos del cliente 2.5 millones de interacciones del cliente mensualmente
• Plataforma de análisis predictivo avanzado
• Algoritmos de aprendizaje automático para la evaluación de riesgos

Hancock Whitney Corporation (HWC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para individuos y empresas

A partir del cuarto trimestre de 2023, Hancock Whitney Corporation ofrece soluciones bancarias personalizadas con $ 36.4 mil millones en activos totales y $ 27.5 mil millones en depósitos totales. El banco atiende a aproximadamente 550,000 clientes en 7 estados en el sureste de los Estados Unidos.

Segmento de clientes	Productos bancarios	Número de ofrendas
Banca personal	Cuentas corrientes	12 tipos de cuenta diferentes
Banca de negocios	Préstamos comerciales	8 programas de préstamos especializados
Gestión de patrimonio	Servicios de inversión	6 opciones de cartera de inversiones

Servicios financieros locales centrados en la comunidad

Hancock Whitney mantiene 167 ubicaciones de sucursales en Louisiana, Mississippi, Alabama, Florida, Texas y Tennessee, con un fuerte énfasis en el compromiso de la comunidad local.

• Inversión comunitaria en 2023: $ 45.2 millones
• Préstamos locales de pequeñas empresas: $ 1.3 mil millones
• Subvenciones de desarrollo comunitario: $ 7.6 millones

Experiencias bancarias digitales y tradicionales integradas

Estadísticas de plataforma de banca digital a partir de 2023:

Servicio digital	Compromiso de usuario
Usuarios de banca móvil	325,000
Usuarios bancarios en línea	412,000
Volumen de transacción digital	26.4 millones por año

Cartera integral de productos financieros

Desglose de la cartera de productos para 2023:

• Productos bancarios personales: 24 ofertas diferentes
• Productos de banca de negocios: 19 servicios especializados
• Productos hipotecarios: 7 tipos de préstamos
• Servicios de inversión: 12 opciones de inversión diferentes

Tasas de interés competitivas y asesoramiento financiero

Tasas de interés y servicios de asesoramiento financiero a partir del cuarto trimestre 2023:

Producto	Tasa de interés
Cuenta de ahorro personal	3.75%
Cuenta de negocios de negocios	2.25%
Tasa de préstamo personal	6.99% - 15.99%

Hancock Whitney Corporation (HWC) - Modelo de negocios: relaciones con los clientes

Enfoque de servicio al cliente personalizado

A partir de 2024, Hancock Whitney Corporation mantiene 181 ubicaciones de banca de servicio completo en Louisiana, Mississippi, Alabama, Florida y Texas. Las métricas de servicio al cliente incluyen:

Métrico de servicio	Estadística
Tiempo de respuesta promedio de servicio al cliente	Menos de 24 horas
Calificación de satisfacción del cliente	4.2/5
Volumen anual de interacción con el cliente	2.3 millones

Plataformas de banca digital y aplicaciones móviles

Las capacidades de banca digital incluyen:

• Aplicación de banca móvil con 450,000 usuarios activos
• Volumen de transacciones en línea: 3.2 millones de transacciones mensuales
• Clasificación de seguridad de la plataforma de banca digital: SoC 2 compatible

Gestión de relaciones para negocios y clientes individuales

Segmento de clientes	Número de clientes	Valor de relación promedio
Clientes bancarios personales	376,000	$87,500
Clientes bancarios de negocios	42,500	$425,000

Educación financiera regular y servicios de asesoramiento

Los programas de educación financiera incluyen:

• Webinarios web gratuitos: 48 sesiones anualmente
• Recursos de educación financiera en línea
• Consultas de planificación financiera personalizada

Programas de participación comunitaria y apoyo local

Categoría de inversión comunitaria	Contribución anual
Subvenciones de desarrollo comunitario	$ 3.2 millones
Soporte local sin fines de lucro	187 organizaciones
Horas de voluntariado	12,500 horas

Hancock Whitney Corporation (HWC) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2023, Hancock Whitney Corporation opera 275 ubicaciones de banca de servicio completo en todo el sureste de los Estados Unidos, específicamente en estados que incluyen:

• Alabama
• Florida
• Luisiana
• Misisipí
• Texas

Estado	Número de ramas
Alabama	62
Florida	89
Luisiana	73
Misisipí	41
Texas	10

Plataformas de banca en línea

Hancock Whitney ofrece servicios integrales de banca digital a través de su plataforma segura en línea, que admite:

• Gestión de cuentas
• Pago de facturas
• Transferencias de fondos
• Depósito de cheque móvil
• Historial de transacciones

Aplicaciones de banca móvil

A partir del cuarto trimestre de 2023, la aplicación de banca móvil de Hancock Whitney tiene:

• Más de 500,000 usuarios móviles activos
• Disponible en plataformas iOS y Android
• Capacidades de inicio de sesión biométricas
• Alertas de transacciones en tiempo real

Soporte del centro de llamadas

Hancock Whitney mantiene los centros de atención al cliente con las siguientes métricas:

• Disponibilidad de servicio al cliente 24/7
• Tiempo de respuesta promedio: 2.5 minutos
• Múltiples canales de soporte que incluyen teléfono, correo electrónico y chat.

Canales de comunicación digital y comercialización

Canal digital	Seguidor/recuento de suscriptores
LinkedIn	47,000
Facebook	35,000
Gorjeo	12,500
Instagram	8,200

Hancock Whitney Corporation (HWC) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

Hancock Whitney sirve a aproximadamente 51,000 clientes comerciales y pequeños en toda la región del Sur del Golfo. Cartera total de préstamos comerciales a partir del cuarto trimestre 2023: $ 10.3 mil millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Micro empresas	22,500	$125,000
Pequeñas empresas	18,500	$475,000
Empresas medianas	10,000	$ 1.2 millones

Clientes de banca minorista individual

Total de clientes de banca minorista: 262,000 a diciembre de 2023.

• Cuentas corrientes personales: 187,000
• Cuentas de ahorro: 145,000
• Clientes de préstamos personales: 53,000

Individuos de alto nivel de red

Segmento de gestión de patrimonio: 15,300 clientes con activos totales bajo administración de $ 4.6 mil millones en 2023.

Nivel de riqueza	Recuento de clientes	Valor de cartera promedio
High-Net-Worth ($ 1M- $ 10M)	11,200	$ 2.3 millones
Ultra alto patrimonio neto (> $ 10m)	4,100	$ 15.6 millones

Clientes comerciales y corporativos

El segmento de banca corporativa atiende a 6.800 clientes con préstamos corporativos totales de $ 8.7 mil millones en 2023.

• Clientes del sector energético: 1.200
• Clientes de la industria de la salud: 850
• Risueños y clientes de construcción: 1.100

Segmentos de mercado local y de mercado regional

Cobertura geográfica: 5 estados (Louisiana, Mississippi, Alabama, Florida, Texas) con 260 centros financieros.

Estado	Número de ramas	Penetración del mercado
Luisiana	95	38%
Misisipí	62	29%
Alabama	48	22%
Florida	38	15%
Texas	17	6%

Hancock Whitney Corporation (HWC) - Modelo de negocio: Estructura de costos

Mantenimiento de la rama y la infraestructura digital

A partir de 2023, Hancock Whitney Corporation operaba 181 centros financieros en múltiples estados. Los costos anuales de mantenimiento de la infraestructura se estimaron en $ 42.3 millones.

Categoría de infraestructura	Costo anual
Mantenimiento de ramas físicas	$ 24.7 millones
Mantenimiento de la plataforma digital	$ 17.6 millones

Salarios y beneficios de los empleados

En 2023, los gastos totales del personal alcanzaron los $ 453.2 millones.

• Salarios base: $ 312.6 millones
• Beneficios de atención médica: $ 67.4 millones
• Contribuciones de jubilación: $ 45.8 millones
• Bonos de rendimiento: $ 27.4 millones

Inversiones en tecnología e plataforma digital

La inversión tecnológica para 2023 totalizó $ 86.5 millones.

Área de inversión tecnológica	Gasto
Mejoras de ciberseguridad	$ 32.1 millones
Plataforma de banca digital	$ 28.7 millones
AI y aprendizaje automático	$ 25.7 millones

Cumplimiento regulatorio y gestión de riesgos

Los costos de cumplimiento en 2023 fueron de $ 61.9 millones.

• Aviso legal y regulatorio: $ 24.3 millones
• Software de cumplimiento: $ 18.6 millones
• Procesos de auditoría interna: $ 19 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 37.8 millones.

Canal de marketing	Gasto
Marketing digital	$ 16.5 millones
Publicidad de medios tradicional	$ 12.3 millones
Campañas de adquisición de clientes	$ 9 millones

Hancock Whitney Corporation (HWC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, Hancock Whitney Corporation reportó ingresos por intereses totales de $ 1.68 mil millones. El desglose de los ingresos por intereses es el siguiente:

Categoría	Cantidad (en millones)
Préstamos y arrendamientos	$1,456
Valores de inversión	$224

Tarifas de servicio bancario

Las tarifas de servicio bancario para 2023 totalizaron $ 288 millones, con las siguientes categorías de servicio:

• Tarifas de la cuenta de depósito: $ 127 millones
• Tarifas de sobregiro: $ 62 millones
• Tarifas de cajeros automáticos y transacciones: $ 49 millones
• Otros servicios bancarios: $ 50 millones

Tarifas de gestión de patrimonio y asesoramiento

Los ingresos de gestión de patrimonio para 2023 alcanzaron $ 156 millones, compuestos por:

Servicio	Ingresos (en millones)
Servicios de asesoramiento de inversiones	$98
Servicios de confianza y fiduciarios	$58

Financiación hipotecaria y de bienes raíces

El financiamiento de hipotecas y bienes raíces generó $ 214 millones en ingresos para 2023:

• Originación de la hipoteca residencial: $ 142 millones
• Préstamo de bienes raíces comerciales: $ 72 millones

Transacciones del Tesoro y los mercados de capitales

Las transacciones de los mercados de tesorería y capitales contribuyeron con $ 95 millones a las fuentes de ingresos en 2023:

Tipo de transacción	Ingresos (en millones)
Ingresos comerciales	$42
Servicios de divisas	$33
Derivados y cobertura	$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.