Hancock Whitney Corporation (HWC): Business Model Canvas [Jan-2025 Mise à jour]

Découvrez le plan stratégique derrière le succès de Hancock Whitney Corporation, une puissance bancaire régionale qui transforme les services financiers à travers la côte du Golfe. En fabriquant méticuleusement un modèle commercial qui équilibre des solutions numériques innovantes avec des racines communautaires profondes, HWC s'est positionné comme une institution financière dynamique qui va au-delà de la banque traditionnelle. Leur approche unique intègre des technologies de pointe, des expériences client personnalisées et un engagement envers la croissance économique locale, créant un récit convaincant d'autonomisation financière et d'innovation stratégique.

Hancock Whitney Corporation (HWC) - Modèle commercial: partenariats clés

Entreprises de technologie financière (fintech)

Au quatrième trimestre 2023, Hancock Whitney a établi des partenariats bancaires numériques stratégiques avec les fournisseurs de fintech suivants:

Partenaire	Solution technologique	Année de mise en œuvre
Q2 Mobile	Plateforme de banque mobile	2022
Finerv	Systèmes bancaires de base	2021
Plaid	Intégration de données financières	2023

Réseaux d'entreprise locaux

Hancock Whitney maintient des partenariats dans la région de la côte du Golfe avec les réseaux suivants:

• Conseil des affaires de la côte du Golfe
• Réseau commercial de l'Alabama
• Chambre de commerce de la Louisiane
• Association de développement économique du Mississippi

Assureurs

Partenariats d'assurance stratégique à partir de 2024:

Partenaire d'assurance	Type de service	Durée du partenariat
Assurance à l'échelle nationale	Assurance commerciale	10 ans
Ferme d'État	Produits d'assurance personnelle	8 ans
Liberty Mutual	Gestion des risques d'entreprise	5 ans

Relations bancaires correspondantes

Le réseau bancaire correspondant actuel comprend:

• First Horizon Bank
• Banque de régions
• Whitney Bank
• Banque communautaire de Louisiane

Organisations communautaires

Partenariats clés de développement communautaire:

Organisation	Domaine de mise au point	Investissement annuel
Centraide	Développement communautaire	$750,000
Agences de développement économique locales	Soutien aux petites entreprises	1,2 million de dollars
Partenariats des collèges communautaires	Formation de la main-d'œuvre	$500,000

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Actif total: 37,3 milliards de dollars (Q4 2023)

Catégorie de service	Comptes totaux	Revenus annuels
Vérification des affaires	87,542	214,6 millions de dollars
Vérification personnelle	456,321	328,9 millions de dollars

Advisory de gestion de la patrimoine et d'investissement

Actif sous gestion: 8,2 milliards de dollars (2023)

• Nombre de clients de gestion de patrimoine: 42 675
• Valeur du portefeuille moyen: 192 000 $
• Frais de conseil en investissement: 76,3 millions de dollars par an

Prêts hypothécaires et financement immobilier

Type de prêt	Volume total	Taux d'intérêt moyen
Hypothèques résidentielles	3,6 milliards de dollars	6.75%
Immobilier commercial	2,1 milliards de dollars	7.25%

Développement de la plate-forme bancaire numérique

Utilisateurs de la banque numérique: 624 000 (2023)

• Téléchargements d'applications mobiles: 412 000
• Volume de transaction en ligne: 18,3 millions par an
• Investissement bancaire numérique: 47,5 millions de dollars

Gestion des risques et conseil financier

Portfolio total de gestion des risques: 5,4 milliards de dollars

Service de gestion des risques	Compte de clientèle	Revenus annuels
Conseil des risques d'entreprise	1,245	89,6 millions de dollars
Conseil de conformité financière	876	62,3 millions de dollars

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Au quatrième trimestre 2023, Hancock Whitney Corporation maintient 272 succursales à service complet dans 6 États: Louisiane, Mississippi, Alabama, Floride, Texas et Tennessee.

État	Nombre de branches
Louisiane	96
Mississippi	58
Alabama	42
Floride	38
Texas	24
Tennessee	14

Infrastructure bancaire numérique

Caractéristiques de la plate-forme bancaire numérique:

• Application bancaire mobile avec plus de 750 000 utilisateurs actifs
• Plateforme bancaire en ligne prenant en charge plus de 450 000 clients numériques
• Fonctionnalités de surveillance des transactions en temps réel et de sécurité

Ressources humaines

Au 31 décembre 2023, Hancock Whitney emploie 5 400 professionnels à temps plein.

Catégorie des employés	Nombre d'employés
Leadership exécutif	18
Senior	125
Professionnels bancaires	4,257

Ressources financières

Mesures financières auprès du quatrième trimestre 2023:

• Actif total: 37,8 milliards de dollars
• Dépôts totaux: 32,6 milliards de dollars
• Total des capitaux propres des actionnaires: 4,2 milliards de dollars
• Ratio de capital de niveau 1: 12,7%

Capacités de données et d'analyse

Infrastructure clé d'analyse des données:

• Customer Data Warehouse Traitement 2,5 millions d'interactions client
• Plateforme d'analyse prédictive avancée
• Algorithmes d'apprentissage automatique pour l'évaluation des risques

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les particuliers et les entreprises

Au quatrième trimestre 2023, Hancock Whitney Corporation propose des solutions bancaires personnalisées avec 36,4 milliards de dollars d'actifs totaux et 27,5 milliards de dollars de dépôts totaux. La banque dessert environ 550 000 clients dans 7 États du sud-est des États-Unis.

Segment de clientèle	Produits bancaires	Nombre d'offres
Banque personnelle	Comptes chèques	12 types de compte différents
Banque d'affaires	Prêts commerciaux	8 programmes de prêts spécialisés
Gestion de la richesse	Services d'investissement	6 options de portefeuille d'investissement

Services financiers locaux axés sur la communauté

Hancock Whitney maintient 167 emplacements de succursales à travers la Louisiane, le Mississippi, l'Alabama, la Floride, le Texas et le Tennessee, avec un fort accent sur l'engagement communautaire local.

• Investissement communautaire en 2023: 45,2 millions de dollars
• Prêts locaux pour les petites entreprises: 1,3 milliard de dollars
• Subventions au développement communautaire: 7,6 millions de dollars

Expériences bancaires numériques et traditionnelles intégrées

Statistiques de la plate-forme bancaire numérique à partir de 2023:

Service numérique	Engagement des utilisateurs
Utilisateurs de la banque mobile	325,000
Utilisateurs de la banque en ligne	412,000
Volume de transaction numérique	26,4 millions par an

Portefeuille complet de produits financiers

Répartition du portefeuille de produits pour 2023:

• Produits bancaires personnels: 24 offres différentes
• Produits bancaires d'entreprise: 19 services spécialisés
• Produits hypothécaires: 7 types de prêts
• Services d'investissement: 12 options d'investissement différentes

Taux d'intérêt concurrentiels et conseils financiers

Taux d'intérêt et services de conseil financier au quatrième trimestre 2023:

Produit	Taux d'intérêt
Compte d'épargne personnelle	3.75%
Compte de chèques commerciaux	2.25%
Taux de prêt personnel	6.99% - 15.99%

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: Relations clients

Approche de service client personnalisé

En 2024, Hancock Whitney Corporation maintient 181 sites bancaires à service complet à travers la Louisiane, le Mississippi, l'Alabama, la Floride et le Texas. Les mesures de service client comprennent:

Métrique de service	Statistique
Temps de réponse moyen du service client	Moins de 24 heures
Évaluation de satisfaction du client	4.2/5
Volume d'interaction client annuel	2,3 millions

Plates-formes bancaires numériques et applications mobiles

Les capacités bancaires numériques comprennent:

• Application bancaire mobile avec 450 000 utilisateurs actifs
• Volume de transactions en ligne: 3,2 millions de transactions mensuelles
• Plateforme bancaire numérique Note de sécurité: SOC 2 conforme

Gestion des relations pour les entreprises et les clients individuels

Segment client	Nombre de clients	Valeur de relation moyenne
Clients bancaires personnels	376,000	$87,500
Clients bancaires d'entreprise	42,500	$425,000

Services d'éducation financière et de conseil réguliers

Les programmes d'éducation financière comprennent:

• Webinaires gratuits: 48 sessions par an
• Ressources de littératie financière en ligne
• Consultations de planification financière personnalisées

Engagement communautaire et programmes de soutien local

Catégorie d'investissement communautaire	Contribution annuelle
Subventions au développement communautaire	3,2 millions de dollars
Support à but non lucratif local	187 organisations
Heures de bénévolat	12 500 heures

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2023, Hancock Whitney Corporation exploite 275 sites bancaires à service complet dans le sud-est des États-Unis, en particulier dans les États, notamment:

• Alabama
• Floride
• Louisiane
• Mississippi
• Texas

État	Nombre de branches
Alabama	62
Floride	89
Louisiane	73
Mississippi	41
Texas	10

Plateformes bancaires en ligne

Hancock Whitney fournit des services bancaires numériques complets via sa plate-forme en ligne sécurisée, qui prend en charge:

• Gestion des comptes
• Paiement de facture
• Transferts de fonds
• Dépôt de chèques mobiles
• Historique des transactions

Applications bancaires mobiles

Au quatrième trimestre 2023, l'application bancaire mobile de Hancock Whitney a:

• Plus de 500 000 utilisateurs mobiles actifs
• Disponible sur les plateformes iOS et Android
• Capacités de connexion biométrique
• Alertes de transaction en temps réel

Assistance du centre d'appels

Hancock Whitney maintient les centres de support client avec les mesures suivantes:

• Disponibilité du service client 24/7
• Temps de réponse moyen: 2,5 minutes
• Plusieurs canaux de support, y compris le téléphone, les e-mails et le chat

Canaux de communication numérique et marketing

Canal numérique	Compte de suiveurs / d'abonnés
Liendin	47,000
Facebook	35,000
Gazouillement	12,500
Instagram	8,200

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Hancock Whitney dessert environ 51 000 clients commerciaux et de petites entreprises dans la région du Golfe Sud. Portfolio total de prêts commerciaux au quatrième trimestre 2023: 10,3 milliards de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Micro-entreprises	22,500	$125,000
Petites entreprises	18,500	$475,000
Entreprises moyennes	10,000	1,2 million de dollars

Clients bancaires de détail individuels

Total des clients bancaires au détail: 262 000 en décembre 2023.

• Comptes de chèques personnels: 187 000
• Comptes d'épargne: 145 000
• Clients de prêt personnel: 53 000

Individus à haute nette

Segment de gestion de patrimoine: 15 300 clients avec un actif total sous gestion de 4,6 milliards de dollars en 2023.

Niveau de richesse	Compte de clientèle	Valeur de portefeuille moyenne
High-Net-Dorth (1 M $ à 10 millions de dollars)	11,200	2,3 millions de dollars
Ultra High-Net-Dorth (> 10 millions de dollars)	4,100	15,6 millions de dollars

Clients commerciaux et d'entreprise

Le segment des services bancaires d'entreprise dessert 6 800 clients avec un prêt total de 8,7 milliards de dollars en 2023.

• Clients du secteur de l'énergie: 1 200
• Clients de l'industrie des soins de santé: 850
• Clients immobiliers et de construction: 1 100

Segments de marché locale et de marché régional

Couverture géographique: 5 États (Louisiane, Mississippi, Alabama, Floride, Texas) avec 260 centres financiers.

État	Nombre de branches	Pénétration du marché
Louisiane	95	38%
Mississippi	62	29%
Alabama	48	22%
Floride	38	15%
Texas	17	6%

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures de succursale et numérique

En 2023, Hancock Whitney Corporation a exploité 181 centres financiers dans plusieurs États. Les coûts annuels de maintenance des infrastructures étaient estimés à 42,3 millions de dollars.

Catégorie d'infrastructure	Coût annuel
Entretien physique des succursales	24,7 millions de dollars
Entretien de la plate-forme numérique	17,6 millions de dollars

Salaires et avantages sociaux des employés

En 2023, les dépenses totales du personnel ont atteint 453,2 millions de dollars.

• Salaires de base: 312,6 millions de dollars
• Avantages en santé: 67,4 millions de dollars
• Contributions de retraite: 45,8 millions de dollars
• Bonus de performance: 27,4 millions de dollars

Investissements technologiques et plate-forme numérique

L'investissement technologique pour 2023 a totalisé 86,5 millions de dollars.

Zone d'investissement technologique	Dépense
Améliorations de la cybersécurité	32,1 millions de dollars
Plate-forme bancaire numérique	28,7 millions de dollars
IA et apprentissage automatique	25,7 millions de dollars

Compliance réglementaire et gestion des risques

Les frais de conformité en 2023 étaient de 61,9 millions de dollars.

• Conseil juridique et réglementaire: 24,3 millions de dollars
• Logiciel de conformité: 18,6 millions de dollars
• Processus d'audit interne: 19 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 37,8 millions de dollars.

Canal de marketing	Dépenses
Marketing numérique	16,5 millions de dollars
Publicité médiatique traditionnelle	12,3 millions de dollars
Campagnes d'acquisition de clients	9 millions de dollars

Hancock Whitney Corporation (HWC) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, Hancock Whitney Corporation a déclaré un revenu total d'intérêts de 1,68 milliard de dollars. La rupture des revenus des intérêts est la suivante:

Catégorie	Montant (en millions)
Prêts et baux	$1,456
Titres d'investissement	$224

Frais de service bancaire

Les frais de service bancaire pour 2023 ont totalisé 288 millions de dollars, avec les catégories de services suivantes:

• Frais de compte de dépôt: 127 millions de dollars
• Frais de découvert: 62 millions de dollars
• ATM et frais de transaction: 49 millions de dollars
• Autres services bancaires: 50 millions de dollars

Frais de gestion de la patrimoine et de consultation

Les revenus de gestion de la patrimoine pour 2023 ont atteint 156 millions de dollars, composé de:

Service	Revenus (en millions)
Services de conseil en investissement	$98
Services de confiance et fiduciaires	$58

Hypothèque et financement immobilier

Le financement hypothécaire et immobilier a généré 214 millions de dollars de revenus pour 2023:

• Origination hypothécaire résidentielle: 142 millions de dollars
• Prêts immobiliers commerciaux: 72 millions de dollars

Trésor et transactions sur les marchés des capitaux

Les transactions du Trésor et des marchés des capitaux ont contribué 95 millions de dollars aux sources de revenus en 2023:

Type de transaction	Revenus (en millions)
Revenu commercial	$42
Services de change	$33
Dérivés et couverture	$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.