Hancock Whitney Corporation (HWC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Descubra o plano estratégico por trás do sucesso da Hancock Whitney Corporation, uma potência bancária regional que transforma os serviços financeiros em toda a Costa do Golfo. Ao criar meticulosamente um modelo de negócios que equilibra soluções digitais inovadoras com profundas raízes da comunidade, a HWC se posicionou como uma instituição financeira dinâmica que vai além do setor bancário tradicional. Sua abordagem única integra tecnologia de ponta, experiências personalizadas do cliente e um compromisso com o crescimento econômico local, criando uma narrativa atraente de empoderamento financeiro e inovação estratégica.

Hancock Whitney Corporation (HWC) - Modelo de negócios: Parcerias -chave

Empresas de Tecnologia Financeira (Fintech)

A partir do quarto trimestre 2023, Hancock Whitney estabeleceu parcerias estratégicas de bancos digitais com os seguintes provedores de fintech:

Parceiro	Solução tecnológica	Ano de implementação
Q2 Mobile	Plataforma bancária móvel	2022
Fiserv	Sistemas bancários principais	2021
Xadrez	Integração de dados financeiros	2023

Redes de negócios locais

Hancock Whitney mantém parcerias em toda a região da Costa do Golfo com as seguintes redes:

• Conselho Empresarial da Costa do Golfo
• Rede de Negócios do Alabama
• Câmara de Comércio da Louisiana
• Associação de Desenvolvimento Econômico do Mississippi

Provedores de seguros

Parcerias de seguro estratégico a partir de 2024:

Parceiro de seguro	Tipo de serviço	Duração da parceria
Seguro nacional	Seguro comercial	10 anos
State Farm	Produtos de seguro pessoal	8 anos
Liberty Mutual	Gerenciamento de riscos de negócios	5 anos

Relacionamentos bancários correspondentes

A rede bancária correspondente atual inclui:

• Primeiro Banco Horizon
• Regiões Bank
• Whitney Bank
• Banco Comunitário da Louisiana

Organizações comunitárias

Principais parcerias de desenvolvimento comunitário:

Organização	Área de foco	Investimento anual
United Way	Desenvolvimento comunitário	$750,000
Agências de desenvolvimento econômico local	Suporte para pequenas empresas	US $ 1,2 milhão
Parcerias da faculdade comunitária	Treinamento da força de trabalho	$500,000

Hancock Whitney Corporation (HWC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

Total de ativos: US $ 37,3 bilhões (quarto trimestre 2023)

Categoria de serviço	Contas totais	Receita anual
Verificação de negócios	87,542	US $ 214,6 milhões
Verificação pessoal	456,321	US $ 328,9 milhões

Gerenciamento de patrimônio e consultoria de investimento

Ativos sob gestão: US $ 8,2 bilhões (2023)

• Número de clientes de gerenciamento de patrimônio: 42.675
• Valor médio do portfólio: $ 192.000
• Taxas de consultoria de investimento: US $ 76,3 milhões anualmente

Empréstimos hipotecários e financiamento imobiliário

Tipo de empréstimo	Volume total	Taxa de juros média
Hipotecas residenciais	US $ 3,6 bilhões	6.75%
Imóveis comerciais	US $ 2,1 bilhões	7.25%

Desenvolvimento da plataforma bancária digital

Usuários do Banco Digital: 624.000 (2023)

• Downloads de aplicativos móveis: 412.000
• Volume de transações online: 18,3 milhões por ano
• Investimento bancário digital: US $ 47,5 milhões

Gerenciamento de riscos e consultoria financeira

Portfólio total de gerenciamento de riscos: US $ 5,4 bilhões

Serviço de gerenciamento de riscos	Contagem de clientes	Receita anual
Aviso de risco corporativo	1,245	US $ 89,6 milhões
Consultoria de conformidade financeira	876	US $ 62,3 milhões

Hancock Whitney Corporation (HWC) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre de 2023, a Hancock Whitney Corporation mantém 272 filiais de serviço completo em 6 estados: Louisiana, Mississippi, Alabama, Flórida, Texas e Tennessee.

Estado	Número de ramificações
Louisiana	96
Mississippi	58
Alabama	42
Flórida	38
Texas	24
Tennessee	14

Infraestrutura bancária digital

Recursos da plataforma bancária digital:

• Aplicativo bancário móvel com mais de 750.000 usuários ativos
• Plataforma bancária on -line suportando mais de 450.000 clientes digitais
• Recursos de monitoramento de transações e segurança em tempo real

Recursos Humanos

Em 31 de dezembro de 2023, Hancock Whitney emprega 5.400 profissionais em período integral.

Categoria de funcionários	Número de funcionários
Liderança executiva	18
Gestão sênior	125
Profissionais bancários	4,257

Recursos financeiros

Métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 37,8 bilhões
• Total de depósitos: US $ 32,6 bilhões
• Total dos acionistas do patrimônio líquido: US $ 4,2 bilhões
• Tier 1 Capital Ratio: 12,7%

Recursos de dados e análises

Infraestrutura de análise de dados -chave:

• Processamento de Data Warehouse de clientes 2,5 milhões de interações com o cliente mensalmente
• Plataforma avançada de análise preditiva
• Algoritmos de aprendizado de máquina para avaliação de risco

Hancock Whitney Corporation (HWC) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para indivíduos e empresas

No quarto trimestre 2023, a Hancock Whitney Corporation oferece soluções bancárias personalizadas com US $ 36,4 bilhões em ativos totais e US $ 27,5 bilhões em depósitos totais. O banco atende aproximadamente 550.000 clientes em 7 estados no sudeste dos Estados Unidos.

Segmento de clientes	Produtos bancários	Número de ofertas
Bancos pessoais	Contas de verificação	12 tipos de conta diferentes
Banking de negócios	Empréstimos comerciais	8 programas de empréstimos especializados
Gestão de patrimônio	Serviços de investimento	6 Opções de portfólio de investimentos

Serviços financeiros focados na comunidade local

Hancock Whitney mantém 167 localizações de filiais em toda a Louisiana, Mississippi, Alabama, Flórida, Texas e Tennessee, com uma forte ênfase no envolvimento da comunidade local.

• Investimento comunitário em 2023: US $ 45,2 milhões
• Empréstimos locais para pequenas empresas: US $ 1,3 bilhão
• Subsídios de desenvolvimento comunitário: US $ 7,6 milhões

Experiências bancárias digitais e tradicionais integradas

Estatísticas da plataforma bancária digital a partir de 2023:

Serviço digital	Engajamento do usuário
Usuários bancários móveis	325,000
Usuários bancários online	412,000
Volume de transação digital	26,4 milhões por ano

Portfólio de produtos financeiros abrangentes

Breakdown do portfólio de produtos para 2023:

• Produtos bancários pessoais: 24 ofertas diferentes
• Produtos bancários de negócios: 19 serviços especializados
• Produtos hipotecários: 7 tipos de empréstimos
• Serviços de investimento: 12 opções de investimento diferentes

Taxas de juros competitivas e conselhos financeiros

Taxas de juros e serviços de consultoria financeira a partir do quarto trimestre 2023:

Produto	Taxa de juro
Conta de poupança pessoal	3.75%
Conta de verificação de negócios	2.25%
Taxa de empréstimo pessoal	6.99% - 15.99%

Hancock Whitney Corporation (HWC) - Modelo de Negócios: Relacionamentos do Cliente

Abordagem personalizada de atendimento ao cliente

A partir de 2024, a Hancock Whitney Corporation mantém 181 locais bancários de serviço completo em Louisiana, Mississippi, Alabama, Flórida e Texas. As métricas de atendimento ao cliente incluem:

Métrica de serviço	Estatística
Tempo médio de resposta ao atendimento ao cliente	Menos de 24 horas
Classificação de satisfação do cliente	4.2/5
Volume anual de interação do cliente	2,3 milhões

Plataformas bancárias digitais e aplicativos móveis

Os recursos bancários digitais incluem:

• Aplicativo bancário móvel com 450.000 usuários ativos
• Volume de transações online: 3,2 milhões de transações mensais
• Classificação de segurança da plataforma bancária digital: SoC 2 compatível

Gerenciamento de relacionamento para clientes e clientes individuais

Segmento de cliente	Número de clientes	Valor médio do relacionamento
Clientes bancários pessoais	376,000	$87,500
Clientes bancários de negócios	42,500	$425,000

Serviços regulares de educação financeira e consultoria

Os programas de educação financeira incluem:

• Labinarias gratuitas: 48 sessões anualmente
• Recursos online de alfabetização financeira
• Consultas de planejamento financeiro personalizado

Programas de envolvimento da comunidade e apoio local

Categoria de investimento comunitário	Contribuição anual
Subsídios de desenvolvimento comunitário	US $ 3,2 milhões
Suporte local sem fins lucrativos	187 organizações
Horário de voluntariado	12.500 horas

Hancock Whitney Corporation (HWC) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2023, a Hancock Whitney Corporation opera 275 locais bancários de serviço completo no sudeste dos Estados Unidos, especificamente em estados, incluindo:

• Alabama
• Flórida
• Louisiana
• Mississippi
• Texas

Estado	Número de ramificações
Alabama	62
Flórida	89
Louisiana	73
Mississippi	41
Texas	10

Plataformas bancárias online

Hancock Whitney fornece serviços de banco digital abrangente por meio de sua plataforma on -line segura, que suporta:

• Gerenciamento de contas
• Pagamento da conta
• Transferências de fundos
• Depósito de cheque móvel
• Histórico de transações

Aplicativos bancários móveis

A partir do quarto trimestre 2023, o aplicativo bancário móvel de Hancock Whitney possui:

• Mais de 500.000 usuários móveis ativos
• Disponível em plataformas iOS e Android
• Recursos de login biométricos
• Alertas de transações em tempo real

Suporte de call center

Hancock Whitney mantém os centros de suporte ao cliente com as seguintes métricas:

• Disponibilidade de atendimento ao cliente 24/7
• Tempo médio de resposta: 2,5 minutos
• Vários canais de suporte, incluindo telefone, e -mail e bate -papo

Canais de comunicação digital e marketing

Canal digital	Contagem de seguidores/assinantes
LinkedIn	47,000
Facebook	35,000
Twitter	12,500
Instagram	8,200

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

Pequenas e médias empresas

Hancock Whitney atende a aproximadamente 51.000 clientes comerciais e de pequenas empresas em toda a região sul do Gulf. Portfólio total de empréstimos comerciais a partir do quarto trimestre 2023: US $ 10,3 bilhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Micro negócios	22,500	$125,000
Pequenas empresas	18,500	$475,000
Médias empresas	10,000	US $ 1,2 milhão

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 262.000 em dezembro de 2023.

• Contas de corrente pessoal: 187.000
• Contas de poupança: 145.000
• Clientes de empréstimos pessoais: 53.000

Indivíduos de alta rede

Segmento de gerenciamento de patrimônio: 15.300 clientes com ativos totais sob gerenciamento de US $ 4,6 bilhões em 2023.

Nível de riqueza	Contagem de clientes	Valor médio do portfólio
Alta rede (US $ 1 milhão a US $ 10 milhões)	11,200	US $ 2,3 milhões
Ultra de alta rede (> US $ 10 milhões)	4,100	US $ 15,6 milhões

Clientes comerciais e corporativos

O segmento bancário corporativo atende 6.800 clientes com empréstimos corporativos totais de US $ 8,7 bilhões em 2023.

• Clientes do setor de energia: 1.200
• Clientes do setor de saúde: 850
• Clientes imobiliários e de construção: 1.100

Comunidade local e segmentos de mercado regionais

Cobertura geográfica: 5 estados (Louisiana, Mississippi, Alabama, Flórida, Texas) com 260 centros financeiros.

Estado	Número de ramificações	Penetração de mercado
Louisiana	95	38%
Mississippi	62	29%
Alabama	48	22%
Flórida	38	15%
Texas	17	6%

Hancock Whitney Corporation (HWC) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura digital e de ramificação

A partir de 2023, a Hancock Whitney Corporation operava 181 centros financeiros em vários estados. Os custos anuais de manutenção da infraestrutura foram estimados em US $ 42,3 milhões.

Categoria de infraestrutura	Custo anual
Manutenção do ramo físico	US $ 24,7 milhões
Uportação da plataforma digital	US $ 17,6 milhões

Salários e benefícios dos funcionários

Em 2023, o total de despesas de pessoal atingiu US $ 453,2 milhões.

• Salários base: US $ 312,6 milhões
• Benefícios para a saúde: US $ 67,4 milhões
• Contribuições de aposentadoria: US $ 45,8 milhões
• Bônus de desempenho: US $ 27,4 milhões

Investimentos de tecnologia e plataforma digital

O investimento em tecnologia para 2023 totalizou US $ 86,5 milhões.

Área de investimento em tecnologia	Gasto
Aprimoramentos de segurança cibernética	US $ 32,1 milhões
Plataforma bancária digital	US $ 28,7 milhões
AI e aprendizado de máquina	US $ 25,7 milhões

Conformidade regulatória e gerenciamento de riscos

Os custos de conformidade em 2023 foram de US $ 61,9 milhões.

• Aviso legal e regulatório: US $ 24,3 milhões
• Software de conformidade: US $ 18,6 milhões
• Processos de auditoria interna: US $ 19 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 37,8 milhões.

Canal de marketing	Gastos
Marketing digital	US $ 16,5 milhões
Publicidade tradicional da mídia	US $ 12,3 milhões
Campanhas de aquisição de clientes	US $ 9 milhões

Hancock Whitney Corporation (HWC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, a Hancock Whitney Corporation registrou receita total de juros de US $ 1,68 bilhão. A repartição da receita de juros é a seguinte:

Categoria	Quantidade (em milhões)
Empréstimos e arrendamentos	$1,456
Títulos de investimento	$224

Taxas de serviço bancário

As taxas de serviço bancário para 2023 totalizaram US $ 288 milhões, com as seguintes categorias de serviço:

• Taxas de conta de depósito: US $ 127 milhões
• Taxas de cheque especial: US $ 62 milhões
• Taxas de caixa eletrônico e de transação: US $ 49 milhões
• Outros serviços bancários: US $ 50 milhões

Gerenciamento de patrimônio e taxas de consultoria

A receita de gestão de patrimônio para 2023 atingiu US $ 156 milhões, composta por:

Serviço	Receita (em milhões)
Serviços de consultoria de investimentos	$98
Serviços de confiança e fiduciários	$58

Financiamento de hipoteca e imóveis

O financiamento imobiliário e hipotecário gerou US $ 214 milhões em receita para 2023:

• Origem da hipoteca residencial: US $ 142 milhões
• Empréstimos imobiliários comerciais: US $ 72 milhões

Transações do Tesouro e Mercado de Capitais

As transações do tesouro e do mercado de capitais contribuíram com US $ 95 milhões para os fluxos de receita em 2023:

Tipo de transação	Receita (em milhões)
Receita de negociação	$42
Serviços de câmbio	$33
Derivados e coberturas	$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.