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Hancock Whitney Bank

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Hancock Whitney Bank Rates & Review September 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Hancock Whitney Bank's Credit Card Rates are at 17.49%. MonitorBankRates evaluates the financial stability of Hancock Whitney Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates last updated and verified on 09/23/2026.

Hancock Whitney Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hancock Whitney Bank? Share your experience about Hancock Whitney Bank by leaving a review below, or read customer reviews before you decide to use Hancock Whitney Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Hancock Whitney Bank

2510 14th St
Gulfport, MS 39501

https://www.hancockwhitney.com

Hancock Whitney Bank Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	17.49%
Details Published APR range: 17.49%-27.49%. Introductory APR: 0% for the first 12 billing cycles after account opening. Balance transfers must be completed within the first 60 days after account opening to receive the intro rate. Regular APR: 17.49%-27.49% thereafter, variable APR based on creditworthiness when you open the account. These APRs will vary with the market based on the Prime Rate (the Index) plus a margin. The Index is The Wall Street Journal U.S. Prime Rate. Cash Advance APR: Prime + 21.74%, currently 28.49%, variable. Balance Transfer fee: 4% (minimum $10). Cash Advance fee: 5% (minimum $10). Earn 20,000 bonus points redeemable for $200 cash back if you spend $1,000 on eligible purchases within the first 90 days after account opening. No Annual Fee. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Hancock Whitney Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Equity Line of Credit	3.99%	-	7.25%
Details Introductory APR for the first 6 months after opening, then as low as 7.25% variable APR thereafter on new HELOCs Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hancock Whitney Bank’s Texas Ratio rose from 2.59% in Q3 2023 to 3.55% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$36.3B	3.55%	5.0	A+
March 31, 2026	$35.5B	3.55%	5.0	A+
December 31, 2025	$35.5B	3.46%	5.0	A+
September 30, 2025	$35.7B	3.42%	5.0	A+
June 30, 2025	$35.2B	4.24%	5.0	A+
March 31, 2025	$34.7B	3.53%	5.0	A+
December 31, 2024	$35.1B	3.67%	5.0	A+
September 30, 2024	$35.2B	2.87%	5.0	A+
June 30, 2024	$35.4B	2.47%	5.0	A+
March 31, 2024	$35.2B	2.47%	5.0	A+
December 31, 2023	$35.6B	1.94%	5.0	A+
September 30, 2023	$36.3B	2.59%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hancock Whitney Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hancock Whitney Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hancock Whitney Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Hancock Whitney Bank

Bank Holding Company HANCOCK WHITNEY CORP

Address 2510 14th St, Gulfport, MS 39501 · Harrison

Website https://www.hancockwhitney.com

FDIC Certificate # 12441

Established 18991009

FDIC Insurance Date 19340101

Domestic Offices 186

Total Branches 193

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.55%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0066%

Return on Equity (ROE) 8.2900%

Non-Performing Loans (NPL) 0.39%

Total Assets $36,329,257,000

Total Deposits $29,883,644,000

Equity Capital $4,342,324,000

Net Income $180,043,000

Headquarters Gulfport

Total Branches and Offices 186

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Hancock Whitney Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Paul Coats

★★★★★

May 20, 2026

Consistent excellent, efficient and professional service with a friendly attitude with CSR Carrol. All transactions with tellers have been a pleasure to conduct business with and provide the same consistent positive helpful attitude.

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Martin

★★☆☆☆

January 18, 2025

There work is not good!!!

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Marvin Vining

★★★★★

February 15, 2024

Great service where people know you by name.

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Want to discuss Hancock Whitney Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★☆

Total Reviews

Add Your Rating and Review for Hancock Whitney Bank

Frequently Asked Questions About Hancock Whitney Bank

How many branches does Hancock Whitney Bank operate?

Hancock Whitney Bank currently maintains approximately 193 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Hancock Whitney Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hancock Whitney Bank provides members with tools to manage their accounts and build a solid financial history.

Does Hancock Whitney Bank offer online and mobile banking?

Most modern institutions like Hancock Whitney Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hancockwhitney.com.