How are Hancock Whitney’s (HWC) loans and deposits trending in Q1 2026?

Total loans reached $24.0 billion at March 31, 2026, up about $33 million from year-end. Deposits were $29.1 billion, down roughly $198 million, mainly due to seasonal outflows in public funds, while noninterest-bearing deposits still represented 36% of total deposits.

Hancock Whitney (NASDAQ: HWC) Q1 2026 earnings shaped by $98.6M bond loss

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Hancock Whitney Corporation reported first quarter 2026 net income of $47.4 million, or $0.57 per diluted share, down from $1.49 in the prior quarter, mainly due to a $98.6 million pretax loss on a securities portfolio restructuring.

Excluding this supplemental item, the company said adjusted EPS would be $1.52, slightly above the prior quarter’s $1.49, with adjusted pre-provision net revenue of $172.9 million. Loans reached $24.0 billion, up modestly, while deposits were $29.1 billion, down slightly on seasonal public funds outflows.

Credit quality remained steady, with net charge-offs at 0.19% of average loans and an allowance for credit losses at 1.43% of period-end loans. The net interest margin improved to 3.55%, and capital stayed strong with an estimated 13.30% CET1 ratio and 9.93% tangible common equity, even after the restructuring and share repurchases of 1.4 million shares.

Insights

Large bond loss depresses GAAP earnings, but core profitability, margin and capital stay solid.

Hancock Whitney posted Q1 2026 net income of $47.4 million, or $0.57 per share, largely because of a one-time $98.6 million pretax loss from restructuring its securities portfolio. On the company’s adjusted basis, EPS was $1.52, slightly above Q4’s $1.49, and adjusted PPNR was $172.9 million.

Core banking trends were stable: loans of $24.0 billion grew modestly, deposits of $29.1 billion dipped mainly from seasonal public funds, and net charge-offs were only 0.19% of average loans. The allowance for credit losses remained at 1.43% of loans, and criticized commercial loans fell.

Net interest margin rose to 3.55%, helped by reinvesting securities proceeds at higher yields and lower funding costs. Despite the restructuring charge and share repurchases at an average $67.55, capital ratios stayed strong, with estimated CET1 at 13.30% and total risk-based capital at 15.10%. Overall, the filing describes a balance sheet repositioning that hurts current earnings but supports future net interest income.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income: $47.4 million Reported EPS: $0.57 per diluted share Adjusted EPS: $1.52 per diluted share +5 more

8 metrics

Net income $47.4 million Q1 2026 reported net income

Reported EPS $0.57 per diluted share Q1 2026 GAAP earnings per share

Adjusted EPS $1.52 per diluted share Q1 2026 EPS excluding securities restructuring loss

Securities portfolio loss $98.6 million pretax Q1 2026 loss on portfolio restructuring

Loans outstanding $24.0 billion Total loans at March 31, 2026

Total deposits $29.1 billion Total deposits at March 31, 2026

Net interest margin 3.55% Q1 2026 taxable-equivalent NIM

CET1 capital ratio 13.30% Estimated CET1 at March 31, 2026

Key Terms

supplemental disclosure item, Adjusted Pre-Provision Net Revenue (PPNR), net interest margin (NIM) (TE), allowance for credit losses (ACL), +1 more

5 terms

supplemental disclosure item financial

"The first quarter of 2026 included a pretax charge of $98.6 million, or $0.95 per share, of a supplemental disclosure item related to a net loss on the securities portfolio restructure."

Adjusted Pre-Provision Net Revenue (PPNR) financial

"Adjusted pre-provision net revenue (PPNR) totaled $172.9 million, compared to $174.0 million in the prior quarter."

Adjusted pre-provision net revenue (adjusted PPNR) is a bank’s core income from interest, fees and trading before subtracting money set aside for loan losses, with one-time or irregular items removed so the figure shows recurring operating performance. For investors it acts like a company’s ‘everyday’ cash flow—helping assess a bank’s ability to cover future losses, pay dividends or grow, without the noise of temporary gains, write‑offs or accounting quirks.

net interest margin (NIM) (TE) financial

"The net interest margin (NIM) (TE) was 3.55% in the first quarter of 2026, up 7 bps linked-quarter."

allowance for credit losses (ACL) financial

"The total allowance for credit losses (ACL) was $343.7 million at March 31, 2026, up $2.0 million from December 31, 2025."

Allowance for credit losses (ACL) is an accounting reserve banks and lenders set aside to cover loans and other receivables that may not be repaid. Think of it as a cushion or rainy-day fund that reduces reported assets to reflect expected losses; when the cushion grows, it can signal rising borrower trouble or more conservative accounting, and when it shrinks, it may boost reported profits and capital. Investors watch ACL to judge a lender’s risk exposure, earnings quality, and capital strength.

Common equity tier 1 (CET1) ratio financial

"The company’s CET1 ratio is estimated to be 13.30% at March 31, 2026, down 35 bps linked-quarter."

The common equity tier 1 (CET1) ratio is a measure of a bank’s financial strength, showing how much high-quality capital it has compared to its risk-weighted assets. Think of it as a safety buffer or cushion that helps ensure the bank can withstand financial stress. A higher CET1 ratio indicates a stronger position, which is important for investors because it signals greater stability and resilience.

Earnings Snapshot

Net income: $47.4 million · Guidance included

Q1 2026

Net income $47.4 million -$78.2 million vs Q4 2025

Reported EPS $0.57 -$0.92 vs Q4 2025

Adjusted EPS $1.52 +$0.03 vs Q4 2025

Net interest income (TE) $287.6 million +$2.9 million vs Q4 2025

Net interest margin (TE) 3.55% +0.07 percentage points vs Q4 2025

Guidance

Management expects 2026 end-of-period loans to grow mid-single digits and deposits low-single digits versus December 31, 2025, with net interest income (TE) up 5%-6% and the efficiency ratio around 54%-55%, assuming no rate cuts in 2026.

Understanding 8-K Material Events →

04/21/2026 - 04:01 PM

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

________________

FORM 8-K

________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): April 21, 2026

________________

      
HANCOCK WHITNEY CORPORATION

     (Exact Name of Registrant as Specified in Charter)
________________

      
Mississippi

     001-36872

     64-0693170

     (State or Other Jurisdiction
of Incorporation)

     (Commission File Number)

     (IRS Employer
Identification No.)

      
Hancock Whitney Plaza
2510 14th Street
Gulfport, Mississippi
(Address of Principal Executive Offices)

     39501
(Zip Code)

      
Registrant’s telephone number, including area code: (228) 868-4000

      
Securities registered pursuant to Section 12(b) of the Act:

     Title of Each Class
COMMON STOCK, $3.33 PAR VALUE
6.25% SUBORDINATED NOTES
     
     Trading Symbol
HWC
HWCPZ
     
     Name of Exchange on Which Registered
The NASDAQ Stock Market, LLC
The NASDAQ Stock Market, LLC

      
__________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act (17 CFR 230.405) or Rule 12b-2 of the Exchange Act (17 CFR 240.12b-2)

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 

Item 2.02 Results of Operations and Financial Condition.

On April 21, 2026, Hancock Whitney Corporation (the “Company”) announced financial results for its first quarter ended March 31, 2026. A copy of this press release and the accompanying financial statements are attached hereto as Exhibit 99.1 and is incorporated by reference into this Item 2.02. The press release is available on the Company’s website.

The information provided in Item 2.02 of this report, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 7.01 Regulation FD Disclosure.

On April 21, 2026 at 3:30 p.m. (Central Time), the Company intends to hold an investor call and webcast to discuss financial results for the first quarter ended March 31, 2026, including the press release. Additional presentation materials relating to such call are furnished hereto as Exhibit 99.2 and are, along with the press release and financial statements, incorporated herein by reference. All information in the press release and presentation materials speak as of the date thereof and the Company does not assume any obligation to update said information in the future. In addition, the Company disclaims any inferences regarding the materiality of such information which otherwise may arise as a result of it furnishing such information under Item 2.02 or Item 7.01 of this Form 8-K.

In accordance with the General Instruction B.2 of Form 8-K, the information presented herein pursuant to Item 2.02, “Results of Operations,” and Item 7.01, “Regulation FD,” shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor shall the information be deemed incorporated by reference in any filing under the Exchange Act or the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.


Exhibit Number	Description
99.1	Press Release dated April 21, 2026 for Quarter Ended March 31, 2026.
99.2	Presentation Slides dated April 21, 2026 (furnished with the Commission as part of this Form 8-K).
104	Cover Page Interactive Data File (embedded within the inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


		HANCOCK WHITNEY CORPORATION


April 21, 2026	By:	/s/ Michael M. Achary
		Michael M. Achary
		Chief Financial Officer

Exhibit 99.1

     
FOR IMMEDIATE RELEASE
April 21, 2026

For more information

Kathryn Shrout Mistich, SVP, Investor Relations Manager

504.539.7836 or kathryn.mistich@hancockwhitney.com

Hancock Whitney reports first quarter 2026 EPS of $0.57

GULFPORT, Miss. (April 21, 2026) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the first quarter of 2026. Net income for the first quarter of 2026 totaled $47.4 million, or $0.57 per diluted common share (EPS), compared to $125.6 million, or $1.49 per diluted common share, in the fourth quarter of 2025. The first quarter of 2026 included a pretax charge of $98.6 million, or $0.95 per share, of a supplemental disclosure item related to a net loss on the securities portfolio restructure. Excluding the impact of the supplemental disclosure item, EPS would be $1.52, up $0.03 linked-quarter. The company reported net income for the first quarter of 2025 of $119.5 million, or $1.38 per diluted common share. There were no supplemental disclosure items in the first or fourth quarters of 2025.

First Quarter 2026 Highlights

•

Net income totaled $47.4 million, or $0.57 per diluted share, compared to $125.6 million, or $1.49 per diluted share in the fourth quarter of 2025

•

Adjusted pre-provision net revenue (PPNR) totaled $172.9 million, compared to $174.0 million in the prior quarter

•

Loans increased $33 million, or 1% linked quarter annualized (LQA)

•

Deposits decreased $198 million, or 3% LQA

•

Criticized commercial loans decreased and nonaccrual loans increased

•

ACL coverage solid at 1.43%

•

NIM of 3.55%, up 7 bps from the prior quarter

•

CET1 ratio estimated at 13.30%, down 35 bps linked-quarter; TCE ratio of 9.93%, down 13 bps linked-quarter; total risk-based capital ratio estimated at 15.10%, down 35 bps linked-quarter

•

Efficiency ratio of 55.43%, compared to 54.93% in the prior quarter

“The first quarter of 2026 was a solid start to the year,” said John M. Hairston, President & CEO. “Our diluted earnings per share, adjusted for the supplemental disclosure item, was $1.52, up from $1.49 in prior quarter. Profitability remains strong, with adjusted ROA of 1.43%, an efficiency ratio of 55.43%, and solid fee income and well-controlled expenses. With a focus on sustainable long-term organic balance sheet growth, we continue to invest in revenue-generating activities, including hiring 27 net new bankers in the first quarter. NIM grew 7 basis points to 3.55%, largely due to the completion of our bond portfolio restructuring and lower costs of funds, which more than offset the impact of lower loan yields in this rate environment. We started 2026 by proactively returning capital to shareholders through repurchasing 1.4 million shares of our common stock

and the 11% increase in our common stock dividend to $0.50 per share. With a solid capital stack, we believe we are well-positioned for continued organic growth and proactive capital management in the remainder of 2026.”

Loans

Total loans were $24.0 billion at March 31, 2026, up $33.4 million, or less than 1%, from December 31, 2025. Loan growth was driven primarily by an increase in commercial real estate across multiple products and continued growth in equipment finance.

Average loans totaled $24.0 billion for the first quarter of 2026, up $250.2 million, or 1%, linked-quarter. For 2026, we expect year-over-year mid-single digit end of period loan growth.

Deposits

Total deposits at March 31, 2026 were $29.1 billion, down $197.6 million, or 1%, from December 31, 2025.

Noninterest-bearing DDAs totaled $10.3 billion at March 31, 2026, down $30.1 million, or less than 1%, from December 31, 2025, and comprised 36% of total period-end deposits. The linked-quarter decrease in noninterest-bearing DDAs was related to a decrease in public funds DDAs of $75.5 million in the first quarter of 2026 due to seasonal outflows, partially offset by an increase of $45.4 million in non-public funds DDAs.

Interest-bearing transaction and savings deposits totaled $12.2 billion at the end of the first quarter of 2026, up $261.2 million, or 2%, linked-quarter. This increase was due to competitive products and pricing.

Compared to December 31, 2025, retail time deposits of $3.6 billion were down $148.7 million, or 4%, driven by maturity concentration and promotional rate reductions during the first quarter of 2026. Interest-bearing public fund deposits decreased $280.0 million, or 9%, linked-quarter, totaling $2.9 billion at March 31, 2026. The decrease in interest-bearing public funds was driven by seasonal outflows.

Average deposits for the first quarter of 2026 were $28.8 billion, up $18.2 million, or 1%, linked-quarter. Management expects 2026 period-end deposits to be up low-single digits from December 31, 2025 levels.

Asset Quality

The total allowance for credit losses (ACL) was $343.7 million at March 31, 2026, up $2.0 million from December 31, 2025. During the first quarter of 2026, the company recorded a provision for credit losses of $13.2 million, compared to $13.1 million in the fourth quarter of 2025. There were $11.1 million of net charge-offs in the first quarter of 2026, or 0.19% of average total loans on an annualized basis, compared to net charge-offs of $13.0 million, or 0.22% of average total loans in the fourth quarter of 2025. The ratio of ACL to period-end loans was 1.43% at March 31, 2026, unchanged compared to December 31, 2025.

Criticized commercial loans totaled $522.2 million, or 2.79% of total commercial loans, at March 31, 2026, down $13.2 million from $535.4 million, or 2.88% of total commercial loans, at December 31, 2025. Nonaccrual loans totaled $113.3 million, or 0.47% of total loans, at March 31, 2026, compared to $106.9 million, or 0.45% of total loans, at December 31, 2025. ORE and foreclosed assets were $11.3 million at March 31, 2026, down $3.5 million, or 24%, from $14.8 million at December 31, 2025.

Net Interest Income and Net Interest Margin (NIM) (TE)

Net interest income (TE) for the first quarter of 2026 was $287.6 million, an increase of $2.9 million, or 1%, from the fourth quarter of 2025. The net interest margin (NIM) (TE) was 3.55% in the first quarter of 2026, up 7 bps linked-quarter, driven by higher securities yields (+5 bps), and lower cost of funds (+8 bps), partially offset by lower loan yields (-6 bps).

Average earning assets were $32.7 billion for the first quarter of 2026, up $100.5 million, or less than 1%, from the fourth quarter of 2025.

Noninterest Income

Noninterest income totaled $7.5 million for the first quarter of 2026, compared to $107.1 million in the fourth quarter of 2025. Included in noninterest income in the first quarter of 2026 was a supplemental disclosure item of a ($98.6) million loss in connection with a securities portfolio restructuring. There were no supplemental disclosure items related to noninterest income in the fourth quarter of 2025. Adjusting for this item, noninterest income for the first quarter of 2026 totaled $106.1 million, down $1.0 million, or 1% linked-quarter.

Service charges on deposits were up $0.3 million, or 1%, from the fourth quarter of 2025. Bank card and ATM fees were up $0.5 million, or 2%, fromthe fourth quarter of 2025.

Investment and annuity income and insurance fees were down $0.1 million, or 1%, linked-quarter. Trust fees were down $0.1 million, or less than 1%, linked-quarter. Fees from secondary mortgage operations totaled $3.5 million for the first quarter of 2026, down $0.2 million, or 4%, linked-quarter.

Securities transactions, net was a loss of $98.6 million, resulting from a securities portfolio restructuring identified as a supplemental disclosure item. Other noninterest income was $17.4 million in the first quarter of 2026, down $1.6 million, or 9%, from the fourth quarter of 2025. The decrease in other noninterest income was primarily due to lower SBIC and derivative income, partially offset by higher syndication fees and SBA income.

Noninterest Expense & Taxes

Noninterest expense totaled $220.7 million, up $2.9 million, or 1% linked-quarter.

Personnel expense totaled $127.1 million in the first quarter of 2026, up $4.6 million, or 4%, linked-quarter due to seasonal increases in payroll taxes and benefits.

Net occupancy and equipment expense totaled $17.3 million in the first quarter of 2026, down $1.3 million, or 7%, from the fourth quarter of 2025. Amortization of intangibles totaled $2.5 million for the first quarter of 2026, down $0.1 million, or 3%, linked-quarter.

Net expense on ORE and other foreclosed assets totaled $0.5 million in the first quarter of 2026, virtually unchanged from the fourth quarter of 2025.

Other expenses totaled $73.3 million in the first quarter of 2026, down $0.3 million, or less than 1%, linked-quarter.

The effective income tax rate for the first quarter of 2026 was 19.3%, compared to 20.7% in the fourth quarter of 2025.

Capital

Common stockholders’ equity at March 31, 2026 totaled $4.4 billion, down $40.5 million, or 1%, from December 31, 2025. The tangible common equity (TCE) ratio was 9.93%, down 13 bps

linked-quarter. The company’s CET1 ratio is estimated to be 13.30% at March 31, 2026, down 35 bps linked-quarter. Total risk-based capital ratio is estimated to be 15.10% at March 31, 2026, down 35 bps linked-quarter.

During the first quarter of 2026, the company repurchased 1.4 million shares of its common stock at an average price of $67.55 per share. This stock repurchase is pursuant to the company’s share buyback program (which authorizes the repurchase of up to 5%, or approximately 4.1 million shares, of the company’s outstanding common stock), which expires on December 31, 2026.

Conference Call and Slide Presentation

Management will host a conference call for analysts and investors at 3:30 p.m. Central Time on Tuesday, April 21, 2026 to review first quarter of 2026 results. A live listen-only webcast of the call will be available under the Investor Relations section of Hancock Whitney’s website at investors.hancockwhitney.com. A link to the release with additional financial tables, and a link to a slide presentation related to first quarter 2026 results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial 800-715-9871 or 646-307-1963, access code 8545141.

An audio archive of the conference call will be available under the Investor Relations section of our website. A replay of the call will also be available through April 28, 2026 by dialing 800-770-2030 or 609-800-9909, access code 8545141.

About Hancock Whitney

Since the late 1800s, Hancock Whitney has embodied core values of Honor & Integrity, Strength & Stability, Commitment to Service, Teamwork, and Personal Responsibility. Hancock Whitney offices and financial centers in Mississippi, Alabama, Florida, Louisiana, and Texas offer comprehensive financial products and services, including traditional and online banking; commercial and small business banking; private banking; trust and investment services; healthcare banking; and mortgage services. The company also operates combined loan and deposit production offices in the greater metropolitan areas of Nashville, Tennessee, and Atlanta, Georgia. More information is available at www.hancockwhitney.com.

Non-GAAP Financial Measures

This news release includes non-GAAP financial measures to describe Hancock Whitney’s performance. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. The reconciliations of those measures to GAAP measures are provided either in the financial tables or in Appendix A thereto.

Consistent with the provisions of subpart 229.1400 of the Securities and Exchange Commission’s Regulation S-K, “Disclosures by Bank and Savings and Loan Registrants,” the company presents net interest income, net interest margin and efficiency ratios on a fully taxable equivalent (“TE”) basis. The TE basis adjusts for the tax-favored status of net interest income from certain loans and investments using the statutory federal tax rate to increase tax-exempt interest income to a taxable equivalent basis. The company believes this measure to be the preferred industry measurement of net interest income and it enhances comparability of net interest income arising from taxable and tax-exempt sources.

The company presents certain additional non-GAAP financial measures to assist the reader with a better understanding of the company’s performance period over period, as well as to provide investors with assistance in understanding the success management has experienced in executing its strategic initiatives. The company highlights certain items that are outside of our

principal business and/or are not indicative of forward-looking trends in supplemental disclosures items below our GAAP financial data and presents certain “Adjusted” ratios that exclude these disclosed items. These adjusted ratios provide management or the reader with a measure that may be more indicative of forward-looking trends in our business, as well as demonstrates the effects of significant gains or losses and changes.

We define Adjusted Pre-Provision Net Revenue as net income excluding provision expense and income tax expense, plus the taxable equivalent adjustment (as defined above), less supplemental disclosure items (as defined above). Management believes that adjusted pre-provision net revenue is a useful financial measure because it enables investors and others to assess the company’s ability to generate capital to cover credit losses through a credit cycle. We define Adjusted Revenue as net interest income (te) and noninterest income less supplemental disclosure items. We define Adjusted Noninterest Expense as noninterest expense less supplemental disclosure items. We define our Efficiency Ratio as noninterest expense to total net interest income (te) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items, if applicable. Management believes adjusted revenue, adjusted noninterest expense and the efficiency ratio are useful measures as they provide a greater understanding of ongoing operations and enhance comparability with prior periods.

Important Cautionary Statement about Forward-Looking Statements

This release contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provision for credit losses, capital levels, deposits (including growth, pricing, and betas), investment portfolio, other sources of liquidity, loan growth expectations, management’s predictions about charge-offs for loans, the impact of current and future economic conditions, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment, inflationary pressures, increasing insurance costs, fluctuations in interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing, general economic business conditions in our local markets, Federal Reserve action with respect to interest rates, the effects of war or other conflicts, acts of terrorism, climate change, the impact of natural or man-made disasters, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings, assessments, and enforcement actions, as well as the impact of negative developments affecting the banking industry and the resulting media coverage; the potential impact of current or future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses, success of revenue-generating and cost reduction initiatives, the potential impact of third-party business combinations in our footprint on our performance and financial condition, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, and the impact of artificial intelligence on our business operations, the adequacy of our internal controls over financial and non-financial reporting, the impact of changes in U.S. laws or policies, including those related to credit card interest rates, the financial impact of regulatory requirements and tax reform legislation, deposit trends, credit quality trends, net interest margin trends, future expense levels, future profitability, supplemental disclosure items, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts and expected returns. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,”

“intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook," or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events.

Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this release is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2025, and in other periodic reports that we file with the SEC.


HANCOCK WHITNEY CORPORATION
QUARTERLY FINANCIAL HIGHLIGHTS
(Unaudited)
	Three Months Ended
(dollars and common share data in thousands, except per share amounts)	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
NET INCOME
Net interest income	$	285,165		$	282,170		$	279,738		$	276,959		$	269,905
Net interest income (TE) (a)		287,566			284,675			282,309			279,455			272,711
Provision for credit losses		13,172			13,145			12,651			14,925			10,462
Noninterest income		7,482			107,131			106,001			98,524			94,791
Noninterest expense		220,748			217,850			212,753			215,979			205,059
Income tax expense		11,305			32,734			32,869			31,048			29,671
Net income	$	47,422		$	125,572		$	127,466		$	113,531		$	119,504
Supplemental disclosure items - included above, pre-tax
Included in noninterest income
Loss on securities portfolio restructure	$	98,595		$	—		$	—		$	—		$	—
Included in noninterest expense
Sabal Trust Company acquisition expense	$	—		$	—		$	—		$	5,911		$	—
PERIOD-END BALANCE SHEET DATA
Loans	$	23,991,840		$	23,958,440		$	23,596,565		$	23,461,750		$	23,098,146
Securities		8,028,014			8,094,799			7,991,281			7,868,011			7,694,969
Earning assets		32,306,650			32,218,663			32,532,320			31,965,130			31,661,169
Total assets		35,542,126			35,472,762			35,766,407			35,212,652			34,750,680
Noninterest-bearing deposits		10,344,878			10,374,991			10,305,303			10,638,785			10,614,874
Total deposits		29,082,134			29,279,774			28,659,750			29,046,612			29,194,733
Common stockholders' equity		4,419,592			4,460,117			4,474,479			4,365,419			4,278,672
AVERAGE BALANCE SHEET DATA
Loans	$	23,965,993		$	23,715,763		$	23,425,895		$	23,249,241		$	23,068,573
Securities (b)		8,265,682			8,484,162			8,383,771			8,271,777			8,241,514
Earning assets		32,698,837			32,598,315			32,213,632			32,081,140			32,023,885
Total assets		35,420,096			35,227,286			34,751,209			34,527,276			34,355,515
Noninterest-bearing deposits		10,033,006			10,165,806			10,121,707			10,317,446			10,163,221
Total deposits		28,834,747			28,816,539			28,492,076			28,649,900			28,752,416
Common stockholders' equity		4,461,827			4,417,711			4,368,746			4,284,279			4,182,814
COMMON SHARE DATA
Earnings per share - diluted	$	0.57		$	1.49		$	1.49		$	1.32		$	1.38
Cash dividends per share		0.50			0.45			0.45			0.45			0.45
Book value per share (period-end)		54.46			54.22			52.82			51.15			49.73
Tangible book value per share (period-end)		42.26			42.16			41.07			39.46			39.40
Weighted average number of shares - diluted		82,261			83,791			85,453			85,943			86,462
Period-end number of shares		81,152			82,259			84,711			85,351			86,033
Market data
High sales price	$	75.43		$	67.10		$	64.66		$	58.24		$	61.57
Low sales price		59.97			54.05			56.87			43.90			49.46
Period-end closing price		63.59			63.68			62.61			57.40			52.45
Trading volume		53,673			55,269			51,077			43,450			41,692
PERFORMANCE RATIOS
Return on average assets		0.54	%		1.41	%		1.46	%		1.32	%		1.41	%
Return on average common equity		4.31	%		11.28	%		11.58	%		10.63	%		11.59	%
Return on average tangible common equity		5.54	%		14.55	%		15.00	%		13.71	%		14.72	%
Tangible common equity ratio (c)		9.93	%		10.06	%		10.01	%		9.84	%		10.01	%
Net interest margin (TE)		3.55	%		3.48	%		3.49	%		3.49	%		3.43	%
Noninterest income as a percentage of total revenue (TE)		2.54	%		27.34	%		27.30	%		26.07	%		25.79	%
Efficiency ratio (d)		55.43	%		54.93	%		54.10	%		54.91	%		55.22	%
Average loan/deposit ratio		83.11	%		82.30	%		82.22	%		81.15	%		80.23	%
Allowance for loan losses as a percentage of period-end loans		1.30	%		1.28	%		1.33	%		1.33	%		1.38	%
Allowance for credit losses as a percentage of period-end loans (e)		1.43	%		1.43	%		1.45	%		1.45	%		1.49	%
Annualized net charge-offs to average loans		0.19	%		0.22	%		0.19	%		0.31	%		0.18	%
Allowance for loan losses as a % of nonaccrual loans		274.67	%		287.95	%		276.20	%		329.94	%		305.26	%
FTE headcount		3,658			3,627			3,603			3,580			3,497
(a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(b) Average securities does not include unrealized holding gains/losses on available for sale securities.
(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.
(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above.
(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.


HANCOCK WHITNEY CORPORATION
INCOME STATEMENT
(Unaudited)

	Three Months Ended
(in thousands, except per share data)	3/31/2026			12/31/2025			9/30/2025			6/30/2025		3/31/2025
NET INCOME
Interest income	$	401,382		$	407,698		$	409,020		$	402,581	$	395,321
Interest income (TE) (f)		403,783			410,203			411,591			405,077		398,127
Interest expense		116,217			125,528			129,282			125,622		125,416
Net interest income (TE)		287,566			284,675			282,309			279,455		272,711
Provision for credit losses		13,172			13,145			12,651			14,925		10,462
Noninterest income		7,482			107,131			106,001			98,524		94,791
Noninterest expense		220,748			217,850			212,753			215,979		205,059
Income before income taxes		58,727			158,306			160,335			144,579		149,175
Income tax expense		11,305			32,734			32,869			31,048		29,671
Net income	$	47,422		$	125,572		$	127,466		$	113,531	$	119,504
Supplemental disclosure items - included above, pre-tax
Included in noninterest income
Loss on securities portfolio restructure	$	98,595		$	—		$	—		$	—	$	—
Included in noninterest expense
Sabal Trust Company acquisition expense	$	—		$	—		$	—		$	5,911	$	—
NONINTEREST INCOME
Service charges on deposit accounts	$	25,902		$	25,585		$	25,220		$	24,256	$	24,119
Trust fees		24,574			24,644			24,211			22,753		18,022
Bank card and ATM fees		22,126			21,603			21,814			22,004		20,714
Investment and annuity fees and insurance commissions		12,572			12,637			14,507			10,603		11,415
Secondary mortgage market operations		3,529			3,679			3,475			4,147		3,468
Securties transactions, net		(98,595	)		(11	)		—			—		—
Other income		17,374			18,994			16,774			14,761		17,053
Total noninterest income	$	7,482		$	107,131		$	106,001		$	98,524	$	94,791
NONINTEREST EXPENSE
Personnel expense	$	127,148		$	122,510		$	122,022		$	116,512	$	114,347
Net occupancy and equipment expense		17,286			18,632			18,222			18,366		17,671
Other real estate and foreclosed assets expense (income), net		441			467			(337	)		1,181		1,780
Other expense		73,325			73,619			70,152			77,396		69,148
Amortization of intangibles		2,548			2,622			2,694			2,524		2,113
Total noninterest expense	$	220,748		$	217,850		$	212,753		$	215,979	$	205,059
COMMON SHARE DATA
Earnings per share:
Basic	$	0.58		$	1.51		$	1.50		$	1.32	$	1.38
Diluted		0.57			1.49			1.49			1.32		1.38

(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.


HANCOCK WHITNEY CORPORATION
PERIOD-END BALANCE SHEET
(Unaudited)

(dollars in thousands)	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
ASSETS
Commercial non-real estate loans	$	9,710,891		$	9,809,011		$	9,680,597		$	9,760,733		$	9,636,594
Commercial real estate - owner occupied loans		3,299,867			3,270,080			3,279,258			3,136,182			3,000,998
Total commercial and industrial loans		13,010,758			13,079,091			12,959,855			12,896,915			12,637,592
Commercial real estate - income producing loans		4,382,665			4,283,168			4,076,643			3,940,309			3,809,664
Construction and land development loans		1,320,224			1,239,086			1,197,305			1,219,514			1,287,919
Residential mortgage loans		3,950,154			4,016,917			4,027,600			4,057,307			4,025,145
Consumer loans		1,328,039			1,340,178			1,335,162			1,347,705			1,337,826
Total loans		23,991,840			23,958,440			23,596,565			23,461,750			23,098,146
Loans held for sale		63,090			33,158			33,161			30,760			26,596
Securities		8,028,014			8,094,799			7,991,281			7,868,011			7,694,969
Short-term investments		223,706			132,266			911,313			604,609			841,458
Earning assets		32,306,650			32,218,663			32,532,320			31,965,130			31,661,169
Allowance for loan losses		(311,316	)		(307,731	)		(313,636	)		(313,189	)		(318,119	)
Goodwill and other intangible assets		989,927			992,474			995,096			997,790			888,563
Other assets		2,556,865			2,569,356			2,552,627			2,562,921			2,519,067
Total assets	$	35,542,126		$	35,472,762		$	35,766,407		$	35,212,652		$	34,750,680
LIABILITIES
Noninterest-bearing deposits	$	10,344,878		$	10,374,991		$	10,305,303		$	10,638,785		$	10,614,874
Interest-bearing transaction and savings deposits		12,243,460			11,982,294			11,758,885			11,480,849			11,400,171
Interest-bearing public fund deposits		2,937,281			3,217,314			2,799,957			2,985,985			3,004,316
Time deposits		3,556,515			3,705,175			3,795,605			3,940,993			4,175,372
Total interest-bearing deposits		18,737,256			18,904,783			18,354,447			18,407,827			18,579,859
Total deposits		29,082,134			29,279,774			28,659,750			29,046,612			29,194,733
Short-term borrowings		1,360,451			1,017,292			1,891,520			1,044,927			542,780
Long-term debt		193,785			199,407			210,657			210,620			210,582
Other liabilities		486,164			516,172			530,001			545,074			523,913
Total liabilities		31,122,534			31,012,645			31,291,928			30,847,233			30,472,008
COMMON STOCKHOLDERS' EQUITY
Common stock net of treasury and capital surplus		1,703,176			1,800,732			1,943,187			1,976,208			2,008,987
Retained earnings		3,041,543			3,035,636			2,947,752			2,859,038			2,784,657
Accumulated other comprehensive (loss)		(325,127	)		(376,251	)		(416,460	)		(469,827	)		(514,972	)
Total common stockholders' equity		4,419,592			4,460,117			4,474,479			4,365,419			4,278,672
Total liabilities & stockholders' equity	$	35,542,126		$	35,472,762		$	35,766,407		$	35,212,652		$	34,750,680
CAPITAL RATIOS
Tangible common equity	$	3,429,665		$	3,467,643		$	3,479,383		$	3,367,629		$	3,390,109
Tier 1 capital (g)		3,783,387			3,872,490			3,923,725			3,864,727			3,931,841
Common equity as a percentage of total assets		12.43	%		12.57	%		12.51	%		12.40	%		12.31	%
Tangible common equity ratio		9.93	%		10.06	%		10.01	%		9.84	%		10.01	%
Leverage (Tier 1) ratio (g)		10.89	%		11.17	%		11.46	%		11.35	%		11.55	%
Common equity tier 1 (CET1) ratio (g)		13.30	%		13.65	%		14.09	%		13.97	%		14.48	%
Tier 1 risk-based capital ratio (g)		13.30	%		13.65	%		14.09	%		13.97	%		14.48	%
Total risk-based capital ratio (g)		15.10	%		15.45	%		15.92	%		15.82	%		16.37	%

(g) Estimated for most recent period-end.


HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE SHEET
(Unaudited)

	Three Months Ended
(in thousands)	3/31/2026			12/31/2025			3/31/2025
ASSETS
Commercial non-real estate loans	$	9,800,605		$	9,714,865		$	9,631,891
Commercial real estate - owner occupied loans		3,305,311			3,303,845			2,996,594
Total commercial and industrial loans		13,105,916			13,018,710			12,628,485
Commercial real estate - income producing loans		4,280,671			4,141,549			3,836,450
Construction and land development loans		1,264,810			1,215,920			1,273,281
Residential mortgage loans		3,982,502			4,011,469			3,979,689
Consumer loans		1,332,094			1,328,115			1,350,668
Total loans		23,965,993			23,715,763			23,068,573
Loans held for sale		27,698			34,618			20,532
Securities (h)		8,265,682			8,484,162			8,241,514
Short-term investments		439,464			363,772			693,266
Earning assets		32,698,837			32,598,315			32,023,885
Allowance for loan losses		(311,173	)		(317,185	)		(322,711	)
Goodwill and other intangible assets		991,166			993,742			889,590
Other assets		2,041,266			1,952,414			1,764,751
Total assets	$	35,420,096		$	35,227,286		$	34,355,515
LIABILITIES AND COMMON STOCKHOLDERS' EQUITY
Noninterest-bearing deposits	$	10,033,006		$	10,165,806		$	10,163,221
Interest-bearing transaction and savings deposits		12,032,719			11,917,669			11,202,387
Interest-bearing public fund deposits		3,121,136			2,960,335			3,113,960
Time deposits		3,647,886			3,772,729			4,272,848
Total interest-bearing deposits		18,801,741			18,650,733			18,589,195
Total deposits		28,834,747			28,816,539			28,752,416
Short-term borrowings		1,428,150			1,244,936			635,804
Long-term debt		198,043			213,326			210,563
Other liabilities		497,329			534,774			573,918
Common stockholders' equity		4,461,827			4,417,711			4,182,814
Total liabilities & stockholders' equity	$	35,420,096		$	35,227,286		$	34,355,515

(h) Average securities does not include unrealized holding gains/losses on available for sale securities.


HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)

	Three Months Ended
	3/31/2026								12/31/2025								3/31/2025
(dollars in millions)	Average Balance		Interest			Rate			Average Balance		Interest			Rate			Average Balance		Interest			Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i)	$	18,651.4	$	268.8			5.84	%	$	18,376.2	$	277.3			5.99	%	$	17,738.2	$	267.1			6.10	%
Residential mortgage loans		3,982.5		40.1			4.03	%		4,011.5		40.0			3.99	%		3,979.7		38.8			3.90	%
Consumer loans		1,332.1		24.9			7.57	%		1,328.1		26.2			7.83	%		1,350.7		27.6			8.28	%
Loan fees & late charges		—		(1.0	)		0.00	%		—		(0.4	)		0.00	%		—		(0.3	)		0.00	%
Total loans (TE) (j)		23,966.0		332.8			5.62	%		23,715.8		343.1			5.75	%		23,068.6		333.2			5.84	%
Loans held for sale		27.7		0.4			5.36	%		34.6		0.5			6.17	%		20.5		0.3			6.69	%
US Treasury and government agency securities		643.7		5.2			3.23	%		643.5		5.2			3.24	%		588.7		4.4			3.00	%
CMOs and mortgage backed securities		6,945.1		56.2			3.24	%		7,108.3		52.4			2.95	%		6,831.9		46.7			2.74	%
Municipals (TE)		659.9		5.2			3.13	%		714.6		5.3			3.00	%		802.9		5.9			2.96	%
Other securities		17.0		0.2			4.11	%		17.7		0.2			3.87	%		18.0		0.2			3.64	%
Total securities (TE) (k)		8,265.7		66.8			3.23	%		8,484.1		63.1			2.98	%		8,241.5		57.2			2.78	%
Total short-term investments		439.4		3.8			3.53	%		363.8		3.5			3.78	%		693.3		7.4			4.31	%
Average earning assets yield (TE)	$	32,698.8	$	403.8			4.99	%	$	32,598.3	$	410.2			5.00	%	$	32,023.9	$	398.1			5.02	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits	$	12,032.7	$	54.4			1.83	%	$	11,917.7	$	60.0			2.00	%	$	11,202.4	$	57.3			2.08	%
Time deposits		3,647.9		30.0			3.34	%		3,772.7		33.1			3.48	%		4,272.8		40.0			3.79	%
Public funds		3,121.1		20.0			2.60	%		2,960.3		20.9			2.80	%		3,114.0		23.2			3.03	%
Total interest-bearing deposits		18,801.7		104.4			2.25	%		18,650.7		114.0			2.42	%		18,589.2		120.5			2.63	%
Short-term borrowings		1,428.2		8.9			2.52	%		1,245.0		8.8			2.80	%		635.8		1.8			1.18	%
Long-term debt		198.0		2.9			5.82	%		213.3		2.7			5.21	%		210.6		3.1			5.82	%
Total borrowings		1,626.2		11.8			2.93	%		1,458.3		11.5			3.15	%		846.4		4.9			2.33	%
Total interest-bearing liabilities cost		20,427.9		116.2			2.31	%		20,109.0		125.5			2.48	%		19,435.6		125.4			2.62	%
Net interest-free funding sources		12,270.9								12,489.3								12,588.3
Total cost of funds		32,698.8		116.2			1.44	%		32,598.3		125.5			1.53	%		32,023.9		125.4			1.59	%
Net Interest Spread (TE)			$	287.6			2.68	%			$	284.7			2.53	%			$	272.7			2.41	%
Net Interest Margin (TE)	$	32,698.8	$	287.6			3.55	%	$	32,598.3	$	284.7			3.48	%	$	32,023.9	$	272.7			3.43	%

(i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(j) Includes nonaccrual loans.
(k) Average securities does not include unrealized holding gains/losses on available for sale securities.


HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)

	Three Months Ended
(dollars in thousands)	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
Nonaccrual loans (l)	$	113,343		$	106,870		$	113,554		$	94,922		$	104,214
ORE and foreclosed assets		11,257			14,788			11,140			26,847			26,690
Total nonaccrual loans + ORE and foreclosed assets	$	124,600		$	121,658		$	124,694		$	121,769		$	130,904
Nonaccrual loans as a percentage of loans		0.47	%		0.45	%		0.48	%		0.40	%		0.45	%
Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets		0.52	%		0.51	%		0.53	%		0.52	%		0.57	%
Accruing loans 90 days past due	$	29,885		$	28,798		$	24,576		$	58,702		$	15,593
Accruing loans 90 days past due as a percentage of loans		0.12	%		0.12	%		0.10	%		0.25	%		0.07	%
Modified loans - still accruing	$	128,480		$	124,527		$	82,218		$	62,234		$	70,617
Modified loans - still accruing as a % of loans		0.54	%		0.52	%		0.35	%		0.27	%		0.31	%
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses:
Beginning balance	$	307,731		$	313,636		$	313,189		$	318,119		$	318,882
Provision for loan losses		14,721			7,091			11,877			12,856			9,484
Charge-offs		(13,393	)		(17,109	)		(15,736	)		(22,328	)		(13,293	)
Recoveries		2,257			4,113			4,306			4,542			3,046
Net charge-offs		(11,136	)		(12,996	)		(11,430	)		(17,786	)		(10,247	)
Ending Balance	$	311,316		$	307,731		$	313,636		$	313,189		$	318,119
Reserve for unfunded lending commitments:
Beginning balance	$	33,928		$	27,874		$	27,100		$	25,031		$	24,053
Provision for losses on unfunded lending commitments		(1,549	)		6,054			774			2,069			978
Ending balance	$	32,379		$	33,928		$	27,874		$	27,100		$	25,031
Total allowance for credit losses	$	343,695		$	341,659		$	341,510		$	340,289		$	343,150
Total provision for credit losses	$	13,172		$	13,145		$	12,651		$	14,925		$	10,462
Allowance for loan losses as a percentage of period-end loans		1.30	%		1.28	%		1.33	%		1.33	%		1.38	%
Allowance for credit losses as a percentage of period-end loans		1.43	%		1.43	%		1.45	%		1.45	%		1.49	%
Allowance for loan losses as a % of nonaccrual loans		274.67	%		287.95	%		276.20	%		329.94	%		305.26	%
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries)
Commercial & real estate loans	$	7,464		$	10,112		$	7,472		$	14,704		$	7,060
Residential mortgage loans		179			(76	)		181			196			(220	)
Consumer loans		3,493			2,960			3,777			2,886			3,407
Total net charge-offs	$	11,136		$	12,996		$	11,430		$	17,786		$	10,247
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans		0.16	%		0.22	%		0.16	%		0.33	%		0.16	%
Residential mortgage loans		0.02	%		(0.01	)%		0.02	%		0.02	%		(0.02	)%
Consumer loans		1.06	%		0.88	%		1.12	%		0.87	%		1.02	%
Total net charge-offs as a percentage of average loans:		0.19	%		0.22	%		0.19	%		0.31	%		0.18	%
AVERAGE LOANS
Commercial & real estate loans	$	18,651,397		$	18,376,179		$	18,041,177		$	17,832,694		$	17,738,216
Residential mortgage loans		3,982,502			4,011,469			4,052,310			4,081,987			3,979,689
Consumer loans		1,332,094			1,328,115			1,332,408			1,334,560			1,350,668
Total average loans	$	23,965,993		$	23,715,763		$	23,425,895		$	23,249,241		$	23,068,573

(l) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $6.9 million at March 31, 2026, $5.8 million at December 31, 2025, $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $25.0 million at March 31, 2025.


HANCOCK WHITNEY CORPORATION
Appendix A to the Earnings Release
Reconciliation of Non-GAAP Measure
(Unaudited)

PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)
	Three Months Ended
(in thousands)	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
Net Income (GAAP)	$	47,422		$	125,572		$	127,466		$	113,531		$	119,504
Provision for credit losses		13,172			13,145			12,651			14,925			10,462
Income tax expense		11,305			32,734			32,869			31,048			29,671
Pre-provision net revenue		71,899			171,451			172,986			159,504			159,637
Taxable equivalent adjustment (m)		2,401			2,505			2,571			2,496			2,806
Pre-provision net revenue (TE)		74,300			173,956			175,557			162,000			162,443
Adjustments from supplemental disclosure items
Loss on securities portfolio restructure		98,595			—			—			—			—
Sabal Trust Company acquisition expense		—			—			—			5,911			—
Adjusted pre-provision net revenue (TE)	$	172,895		$	173,956		$	175,557		$	167,911		$	162,443

REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO
	Three Months Ended
(in thousands)	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
Net interest income	$	285,165		$	282,170		$	279,738		$	276,959		$	269,905
Noninterest income		7,482			107,131			106,001			98,524			94,791
Total GAAP revenue		292,647			389,301			385,739			375,483			364,696
Taxable equivalent adjustment (m)		2,401			2,505			2,571			2,496			2,806
Total revenue (TE)	$	295,048		$	391,806		$	388,310		$	377,979		$	367,502
Adjustments from supplemental disclosure items
Loss on securities portfolio restructure		98,595			—			—			—			—
Adjusted total revenue (TE)	$	393,643		$	391,806		$	388,310		$	377,979		$	367,502

GAAP Noninterest expense	$	220,748		$	217,850		$	212,753		$	215,979		$	205,059
Amortization of intangibles		(2,548	)		(2,622	)		(2,694	)		(2,524	)		(2,113	)
Adjustments from supplemental disclosure items
Sabal Trust Company acquisition expense		—			—			—			(5,911	)		—
Adjusted noninterest expense for efficiency	$	218,200		$	215,228		$	210,059		$	207,544		$	202,946
Efficiency ratio (n)		55.43	%		54.93	%		54.10	%		54.91	%		55.22	%

(m) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(n) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above.

First Quarter 2026Earnings Conference Call 4/21/2026 HANCOCK WHITNEY Ex. 99.2

This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provision for credit losses, capital levels, deposits (including growth, pricing, and betas), investment portfolio, other sources of liquidity, loan growth expectations, management’s predictions about charge-offs for loans, the impact of current and future economic conditions, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment, inflationary pressures, increasing insurance costs, fluctuations in interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing, general economic business conditions in our local markets, Federal Reserve action with respect to interest rates, the effects of war or other conflicts, acts of terrorism, climate change, the impact of natural or man-made disasters, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings, assessments, and enforcement actions, as well as the impact of negative developments affecting the banking industry and the resulting media coverage; the potential impact of current or future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses, success of revenue-generating and cost reduction initiatives, the potential impact of third-party business combinations in our footprint on our performance and financial condition, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, and the impact of artificial intelligence on our business operations, the adequacy of our internal controls over financial and non-financial reporting, the impact of changes in U.S. laws or policies, including those related to credit card interest rates, the financial impact of regulatory requirements and tax reform legislation, deposit trends, credit quality trends, net interest margin trends, future expense levels, future profitability, supplemental disclosure items, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts and expected returns. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook," or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events. Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this presentation is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2025, and in other periodic reports that we file with the SEC. Important cautionary statement about forward-looking statements

Non-GAAP Reconciliations & Glossary of Terms Throughout this presentation we may use non-GAAP numbers to supplement the evaluation of our performance. The items noted below with an asterisk, "*", are considered non-GAAP. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements, and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. Reconciliations of those non-GAAP measures to the comparable GAAP measure are included in the appendix to this presentation. The earnings release, financial tables and supporting slide presentation can be found on the company’s Investor Relations website at investors.hancockwhitney.com. ABL – Asset Based Lending ACL – Allowance for credit losses AEA – Average Earning Assets AFS – Available for sale securities Annualized – Calculated to reflect a rate based on afull year AOCI – Accumulated other comprehensive income ARM – Adjustable Rate Mortgage B – Dollars in billions Beta – repricing based on a change in market rates BOLI – Bank-owned life insurance bps – basis points Brokered Deposits – deposits obtained directly or indirectly through a deposit broker typically offering higher interest rates C&D – Construction and land development loans CD – Certificate of deposit CET1 – Common Equity Tier 1 Ratio CF – Cash flow CMBS – Commercial mortgage-backed securities CMO – Collateralized mortgage obligations CRE – Commercial real estate CSO – Corporate strategic objective DDA – Noninterest-bearing demand deposit accounts *Efficiency ratio – noninterest expense to total net interest (TE) and noninterest income, excluding amortization of purchased intangibles and other supplemental disclosure items EOP – End of period EPS – Earnings per share Fed – Federal Reserve Bank FF – Federal Funds FHLB – Federal Home Loan Bank FRB-DW – Federal Reserve Bank Discount Window Free Securities – market value of unencumbered investment securities owned by the bank FTE – Full time equivalent FV – Fair Value FY – Full Year HFS – Held for sale HTM – Held to maturity securities IB – Interest-bearing ICRE – Income-producing commercial real estate ICS – Insured Cash Sweep IRR – Interest rate risk Line Utilization - represents the used portion of a revolving line resulting in a funded balance for a given portfolio; credit cards, construction loans (commercial and residential), and consumer lines of credit are excluded from the calculation Linked-quarter (LQ) – current quarter compared to previous quarter LOC – Line of credit LQA – Linked-quarter annualized M&A – Mergers and acquisitions MM – Dollars in millions MMDA – Money market demand account MMDDYY – Month Day Year MSA – Metropolitan Statistical Area Munis – Municipal obligations NII – Net interest income *NIM – Net interest margin (TE) OCI – Other comprehensive income OFA – Other foreclosed assets O/N – Overnight Funds ORE – Other real estate PF – Public Funds *PPNR and *Adjusted PPNR – Pre-provision net revenue, defined as net income excluding provision expense and income tax expense, plus the taxable equivalent adjustment; adjusted PPNR is PPNR excluding supplemental disclosure items; also known as adjusted leverage Repo – Customer repurchase agreements RMBS – Residential mortgage-backed securities ROA – Return on average assets ROTCE – Return on tangible common equity RWA – Risk Weighted Assets SBA – Small Business Administration SBIC – Small business investment company SNC – Shared national credit SOFR – Secured Overnight Financing Rate S2 – Slower growth, downside scenario *Supplemental disclosure items – certain items that are outside of our principal business and/or are not indicative of forward-looking trends; these items are presented below GAAP financial data and excluded from certain adjusted ratios and metrics TCE – Tangible common equity ratio (common shareholders’ equity less intangible assets divided by total assets less intangible assets) *TE – Taxable equivalent (calculated using the current statutory federal tax rate) XHYY – Half Year XQYY – Quarter Year Y-o-Y – Year over year

HWC Nasdaq Listed HNCOCK WHITNEY 4 *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings As of March 31, 2026 (Healthcare) (ABL) (Operations) (Trust) $35.5 billion in Total Assets $24.0 billion in Total Loans $29.1 billion in Total Deposits 13.30% CET1 Ratio* 9.93% TCE Ratio $5.2 billion in Market Cap Baa2 Moody’s Long-term issuer rating; stable outlook BBB S&P Long-term issuer rating; positive outlook 181 banking locations Approximately 3,700 (FTE) employees corporate-wide 222 ATMs Corporate Profile

How we do business Our Mission. Each day, we reaffirm our mission to help people achieve their financial goals and dreams. Our Purpose. We work hard to create opportunities for people and the communities we serve, our purpose for doing what we do. Our Promise to Associates. We honor and respect associates with a heartfelt promise: You can grow. You have a voice. You are important. Honor & Integrity We proudly bear a figurative badge symbolizing our steady commitment to do the right thing for the people who depend on and trust us. Strength & Stability We maintain strong capital and solid business practices to anchor the company's financial soundness and offer clients safe harbor for their hard-earned money. Commitment to Service With a steadfast pledge to five-star excellence, we strive to deliver exceptional service to our clients and communities every day. Teamwork We embrace the importance of collaboration and work together with people, communities, and each other to empower success in the hometowns we serve. Personal Responsibility Each of us carries the long-burning light of accountability that leads us to go above and beyond our best. Our core values.

HWC Strong and Stable for More Than 125 Years Strength to manage through challenging economic environments Density in resilient deposit markets Stable, seasoned, diversified deposits; ability to organically grow deposits Near top quartile capital levels including all unrealized losses Ability to return capital through dividend increases and share repurchase program Commitment to maintaining a de-risked balance sheet Robust ACL at 1.43% of loans Proven ability to proactively manage expenses Technology investments improve client experience and enhance efficiencies Exceptional, dedicated, committed team of associates

First Quarter 2026 Bond Portfolio Restructuring Total Deposits 12/31/20 $s in millions Time Deposits (retail) $1,835 7% Time Deposits (brokered) $14 ― Interest-bearing public funds $3,235 12% Interest-bearing transaction & savings $10,414 37% Noninterest bearing $12,200 44% $s in billions Avg Qtrly Deposits LQA EOP growth $28.0 $26.0 $24.0 $22.0 $20.0 $18.0 $16.0 1Q20 $24.3 20% 2Q20 $26.7 37% 3Q20 $26.8 -4% 4Q20 $27.0 10% 1Q21 $27.0 10% HNCOCK WHITNEY 15 * Earnings impact calculated after-tax using a 21% tax rate $1.5 billion in bonds sold at yields of 2.49% $98.6 million pretax charge, or impact of $0.95 on EPS* and 27 bps on CET1* in 1Q26 $1.4 billion in proceeds reinvested in bonds at a yield of 4.35% Estimated earn back period of 50 months Restructure trading completed on 1/14/26 Impact of transaction on NII and NIM will be fully reflected in 2Q26 Expected annualized impact includes: Yield on bond portfolio +32 bps NIM +7 bps EPS* +$0.23 NII +$23.8 million

First Quarter 2026 Highlights Net income totaled $47.4 million, or $0.57 per diluted share, compared to $125.6 million, or $1.49 per diluted share in 4Q25 1Q26 results include a pretax charge of ($98.6) million, or $0.95 per share, of a supplemental disclosure item related to a net loss on securities portfolio restructure Excluding the impact of the supplemental disclosure item, adjusted EPS* was $1.52, up $0.03 linked-quarter and adjusted net income* was $125.3 million, down $0.3 million linked-quarter Adjusted Pre-Provision Net Revenue (PPNR)* totaled $172.9 million, compared to $174.0 million in the prior quarter Loans increased $33 million, or 1% LQA (Slide 9) Deposits decreased $198 million, or 3% LQA (Slide 11) Criticized commercial loans decreased and nonaccrual loans increased (Slide 12) ACL coverage solid at 1.43% (Slide 13) NIM of 3.55%, up 7 bps from the prior quarter (Slide 15) CET1 ratio estimated at 13.30%, down 35 bps linked-quarter; TCE ratio at 9.93%, down 13 bps linked-quarter; total risk-based capital estimated at 15.10%, down 35 bps linked-quarter (Slide 19) Efficiency ratio* of 55.43%, compared to 54.93% in the prior quarter *Non-GAAP measure: See appendix for non-GAAP reconciliation **Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings ($s in millions; except per share data) 1Q26 4Q25 1Q25 Net income $47.4 $125.6 $119.5 Provision for credit losses $13.2 $13.1 $10.5 Supplemental disclosure item $98.6 ─ ─ Earnings per share – diluted (EPS) $0.57 $1.49 $1.38 Adjusted EPS* $1.52 $1.49 $1.38 Return on Assets (%) (ROA) 0.54 1.41 1.41 Adjusted ROA (%)* 1.43 1.41 1.41 Return on Tangible Common Equity (%) (ROTCE) 5.54 14.55 14.72 Adjusted ROTCE (%)* 14.64 14.55 14.72 Net Interest Margin (TE) (%) 3.55 3.48 3.43 Net Charge-offs (%) 0.19 0.22 0.18 CET1 Ratio (%)** 13.30 13.65 14.48 Tangible Common Equity (%) 9.93 10.06 10.01 Adjusted Pre-Provision Net Revenue (TE)* $172.9 $174.0 $162.4 Efficiency Ratio (%)* 55.43 54.93 55.22

Loan Growth Driven By Strong Production Bar Chart Loans totaled $24.0 billion, up $33 million, or 1% LQA Growth driven primarily by an increase in commercial real estate across multiple products and continued growth in equipment finance 1Q26 originations of $1.2 billion and net credit line activity of $0.1 billion were partially offset by prepayments of $0.8 billion and scheduled payments / maturities of $0.5 billion Line utilization of 40.7%, compared to 40.9% in the prior quarter For 2026, we expect year-over-year mid-single digit EOP loan growth Quarter-Over-Quarter Waterfall by Activity Type Quarter-Over-Quarter Waterfall by Product

Loan Portfolio Composition Diversified and De-Risked Total Loans Outstanding % of Total Loans Commitment ($s in millions) Commercial non-RE (C&I) $7,403 30.9% $ 13,375 CRE – owner 2,746 11.4% 2,902 ICRE 3,810 15.9% 3,940 C&D 1,144 4.8% 2,502 Healthcare (1) 1,951 8.1% 2,369 Equipment Finance 1,484 6.2% 1,484 Energy 176 0.7% 275 Total Commercial $18,714 78.0% $26,847 Mortgage 3,950 16.5% 3,950 Consumer 1,328 5.5% 3,295 Total Loans $23,992 100.0% $34,092 For Information Purposes Only (included in categories above) Retail (C&I and CRE) $2,222 9.3% $ 2,577 Hospitality (C&I and CRE) $1,364 5.7% $ 1,584 Office – ICRE $727 3.0% $744 Office – owner $923 3.8% $979 Multifamily – ICRE $1,144 4.8% $1,155 Multifamily – C&D $411 1.7% $1,168 Loan portfolio diverse across a number of segments and industries Conservative underwriting in both type and structure Underwriting efforts focused on resilient industries and on full-service client relationships Business banking and consumer loans provide depository relationships and favorable yields SNC Loans totaled $2.1 billion at 3/31/26, 8.8% of total loans, up from $2.0 billion or 8.5% of loans at 12/31/25 For additional details on ICRE loans, refer to slide 24 in the appendix As of March 31, 2026 (1) $697 million of healthcare loans outstanding are C&I, $505 million are CRE-Owner, $572 million are ICRE, and $176 million are C&D

Deposits Driven by Seasonal Public Funds Outflows Total deposits of $29.1 billion, down $198 million, or 3% LQA Decrease in interest-bearing public funds of $280 million driven by seasonality Noninterest-bearing DDA decreased $30 million, related to a decrease in public funds DDA of $75 million in 1Q26, partially offset by an increase in other DDA balances of $45 million DDA as a % of total deposits was 36% in 1Q26, compared to 35% in 4Q25 Increase in interest-bearing transactions and savings of $261 million due to competitive products and pricing Retail time deposits decreased $149 million driven by maturity concentration and promotional rate reductions during 1Q26 For additional details on deposit composition refer to slide 27 EOP Deposits Mix ($) EOP Deposits Mix (%) * Includes Public Funds DDA (down $75 million linked-quarter); non-Public Funds DDA up $45 million $ in millions % of Total Deposits

Continued Resilient Asset Quality Criticized commercial loans totaled $522 million, or 2.79% of total commercial loans, at March 31, 2026, down $13 million from $535 million, or 2.88% of total commercial loans, in the prior quarter Nonaccrual loans totaled $113 million, or 0.47% of total loans, at March 31, 2026, compared to $107 million, or 0.45% of total loans, in the prior quarter Expect criticized and nonaccrual levels to compare well to peers Not experiencing broad signs of weakness among any industry, collateral type, or geography Total Loans $23,098 $23,462 $23,597 $23,958 $23,992 Total Commercial Loans 17,735 18,057 18,234 18,601 18,714 Criticized Commercial Loans 594 569 549 535 522 Nonaccrual Loans 104 95 114 107 113 3.35% 0.45% $ in millions 3.15% 0.40% 3.01% 0.48% 2.79% 0.47% 2.88% 0.45%

Maintained Solid Reserves Provision for the first quarter of 2026 of $13.2 million, reflects $11.1 million of net charge-offs and a reserve build of $2.1 million Quarter-end reserve coverage solid and unchanged from prior quarter at 1.43% Weighting applied to Moody’s March 2026 economic scenarios was 40% Baseline and 60% slower growth (S2), compared to a 50% Baseline and 50% S2 weighting in the fourth quarter of 2025 Moody’s baseline scenario was more optimistic than in prior quarter, while S2 incorporates potential downside impacts from current macroeconomic conditions and international conflicts; weighting on S2 scenario reflects a higher potential for slower near-term economic growth than provided for in the baseline scenario Net Charge-offs Reserve Build / (Release) Total Provision ($s in millions) 1Q26 4Q25 1Q26 4Q25 1Q26 4Q25 Commercial $7.4 $10.1 $4.6 $0.8 $12.0 $10.9 Mortgage 0.2 (0.1) (1.3) 0.2 (1.1) 0.1 Consumer 3.5 3.0 (1.2) (0.9) 2.3 2.1 Total $11.1 $13.0 $2.1 $0.1 $13.2 $13.1 Portfolio ($ in millions) 3/31/2026 12/31/2025 Amount % of Loan and Leases Outstanding Amount % of Loan and Leases Outstanding Commercial $246 1.31% $240 1.29% Mortgage 41 1.05% 43 1.07% Consumer 24 1.79% 25 1.85% Allowance for Loan and Lease Losses (ALLL) $311 1.30% $308 1.28% Reserve for Unfunded Lending Commitments 33 — 34 — Allowance for Credit Losses (ACL) $344 1.43% $342 1.43%

Portfolio Restructuring Drives Yield Increase Securities portfolio* totaled $8.4 billion at 3/31/2026, down $135 million linked-quarter 75% AFS, 25% HTM at 3/31/2026 $359 million in notional FV hedges are designated on $388 million in bonds, or 6% of AFS securities; these FV hedges provide flexibility to reposition and/or reprice the hedged assets in a changing rate environment Yield 3.23%, up 25 bps primarily due to portfolio restructure activity in January and partial reinvestments of monthly principal cash flow Premium amortization totaled $5.5 million, down $1.0 million linked-quarter Effective duration 4.1 at 3/31/2026, compared to 3.9 at 12/31/25 Net unrealized losses on securities portfolio impacted by Treasury yields: Bar chart,pie chart Net Unrealized Loss $ in millions 3/31/2026 12/31/2025 AFS ($311) ($379) HTM ($125) ($122) Total ($436) ($501) * Excluding unrealized losses and FV hedges adjustment

1Q26 NIM 3.55%, up 7 bps from 4Q25 NIM 3.56% for the month of March 2026 NII (TE) of $287.6 million, up 1% compared to $284.7 million in the prior quarter Increase in NII primarily driven by the higher investment portfolio yield following the securities portfolio restructuring and lower cost of funds, partially offset by lower loan yields Expect modest NIM expansion in 2026 Assumes no rate cuts in 2026 NIM Improvement Linked-Quarter Cost of Deposits 0.60% 0.50% 0.40% 0.30% 0.20% 0.10% Mar-20 Apr-20 May-20 Jun 20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Mar-21e .59% .41% .33% .29% .25% .21% .20% .19% .17% .17% .13% 3.40% 3.30% 3.20% 3.10% 3.00% 2.90% 2.80% 3Q20 NIM (TE) Impact of Securities Portfolio Purchase/Premium amortization Impact of change in earnings asset mix Lower cost of deposits Net impact of interest reversals and recoveries/loan fees accretion 4Q20 NIM (TE) 0.02% 0.06% 0.05% 0.02% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 4Q19 1Q20 2Q20 3Q20 4Q20 4.69% 3.43% 2.56% 0.76% 4.56% 3.41% 2.53% 0.67% 4.04% 3.23% 2.47% 0.38% 3.95% 3.23% 2.31% 0.30% 3.99% 3.22% 2.23% 0.25% Loan Yield Securities Yield Cost of Fund NIM HNCOCK WHITNEY 18 Line chart Yield / Cost Quarter Month NIM

Loans Loans totaled $24.0 billion at March 31, 2026 41% fixed, 59% variable (includes hybrid ARMs) 74% of variable loans tied to SOFR 23% of variable loans tied to Wall Street Journal Prime 3% of variable loans tied to other indices Approximately 5% ($600 million) of the variable rate loan portfolio will strike their index floors at or above a Fed Funds equivalent rate of 2% with a cumulative amount of 25% ($3.2 billion) hitting floor strikes at or above Fed Funds level of 1% Swaps/Hedges (See slide 31 for more information) $1.8 billion of spot and forward-starting receive fixed/pay 1-month SOFR swaps designated as cash flow hedges on the balance sheet; extends loan duration $359 million of pay fixed/receive Fed Effective swaps designated as fair value hedges on $388 million of securities; provides OCI protection and flexibility to reposition and/or reprice the hedged assets in a changing rate environment During 1Q26, two additional cash flow hedges were executed, and one fair value hedge was terminated Deposits Deposits totaled $29.1 billion at March 31, 2026 78% of deposits are MMDA (excludes PF), savings, or DDA Cycle-to-date Rate Betas Key IRR Metrics Historical Cycles Current Cycle Rates down (2Q19-4Q20) Rates Up (1Q22-2Q24) Rates Down (2Q24-1Q26) 1Q26 Total Deposit Betas 31% 37% 30% 37% IB Deposit Betas 45% 58% 50% 63% Loan Betas 38% 49% 35% 45%

Stable Fee Income Noninterest income totaled $7.5 million, compared to $107.1 million in prior quarter 1Q26 included a $98.6 million net loss from bond portfolio restructuring in other noninterest income (supplemental disclosure item); there were no supplemental disclosure items in 4Q25 Adjusted noninterest income* totaled $106.1 million, down $1.0 million, or 1% linked-quarter Decrease in other fee income primarily related to lower SBIC and derivative income, partially offset by higher syndication fees and SBA income Adjusted Noninterest Income* Mix 1Q26 $s in millions Lower Mortgage, Specialty Income Partly Offset by Higher Service Fees Noninterest income totaled $82.4 million, down $1.3 million, or 2% linked-quarter Service charges and bank card & ATM fees up primarily due to increased activity, although lower than pre-pandemic levels Secondary mortgage fees continue to be impacted by the favorable rate environment, albeit a lower level of refinance activity compared to previous quarters Other income decrease related to lower levels of specialty income (BOLI) in 4Q20 partially offset by higher derivative income Expect 1Q21 fee income to be down related to anticipated lower levels of specialty income and secondary mortgage fees Secondary Mortgage Fees $11.5 14%Other $12.8 16% Noninterest Income Mix 12/31/20 $s in millions Service Charges on Deposit $19.9 24% Investment & Annuity and Insurance $5.8 7% Trust Fees $14.8 18% Bank Card & ATM Fees $17.6 21% 3Q20 NON INTEREST INCOME SERVICE CHARGES ON DEPOSIT accounts bank card & atm fees investment & annuity income and insurance trust fees secondary mortgage fees other 4q20 Non interest income Pie chart *Non-GAAP measure: See appendix for non-GAAP reconciliation

Expenses Remain Well-Controlled Noninterest expense totaled $220.7 million, up $2.9 million, or 1% linked-quarter, from 4Q25 noninterest expense of $217.9 million Personnel expenses increased $4.6 million, or 4% linked-quarter, due to seasonal increase in taxes and benefits Hired 27 net new bankers in 1Q26; expect to hire as many as 50 net new bankers in 2026 A Focus on Expense Control; More Initiatives Underway Noninterest expense totaled $193.1 million, down $2.7 million, or 1% LQ Decline in personnel expense related to savings from efficiency measures taken to-date, including staff attrition and recent financial center closures Increase in other expenses mainly related to nonrecurring hurricane expense and branch closures Expense reduction initiatives to-date Closed 12 financial centers in 4Q20 8 additional financial centers closures announced in 1Q21 Ongoing branch rationalization reviews Closed Wealth Management trust offices in the NE corridor FTE down 210 compared to June 30, 2020 through staff attrition and other initiatives Early retirement package offered to select employees in 1Q21 Expect 1Q21 expenses to be flat as efficiency initiatives continue and offset typical beginning of the year increases; does not include nonrecurring charges for certain initiatives (i.e. early retirement) Noninterest Expense Mix 1Q26 $s in millions

Capital Deployed Through Bond Restructure CET1 ratio estimated at 13.30%, down 35 bps linked-quarter Leverage (Tier 1) ratio estimated at 10.89%, down 28 bps linked-quarter TCE ratio 9.93%, down 13 bps linked-quarter Total risk-based capital ratio estimated at 15.10%, down 35 bps linked-quarter 1,400,000 shares of company common stock repurchased during 1Q26 at an average price of $67.55 per share; 5% buyback authority through December 31, 2026 Tangible Common Equity Ratio Leverage Ratio CET1 Ratio and Tier 1 Risked-Based Capital Ratio Total Risk-Based Capital Ratio March 31, 2026* 9.93% 10.89% 13.30% 15.10% December 31, 2025 10.06% 11.17% 13.65% 15.45% September 30, 2025 10.01% 11.46% 14.09% 15.92% June 30, 2025 9.84% 11.35% 13.97% 15.82% March 31, 2025 10.01% 11.55% 14.48% 16.37% CET1 Ratio 13.30% *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings TCE Ratio 9.93%

2026 Forward Guidance Corporate Strategic Objectives (CSOs) Long-term operating objectives reviewed/updated annually(assumes fed funds at approximately 3.25% for 2028) 3 Year Objective (4Q28) 1Q26 Actual* ROA ≥ 1.50% 1.43% TCE 9.00 - 9.50% 9.93% ROTCE ≥ 15% 14.64% Efficiency Ratio* ≤ 55% 55.43% *Refer to appendix for non-GAAP reconciliations; results for 1Q26 adjusted for a supplemental disclosure item Guidance Direction 1Q26Actual FY 2026Outlook Loans (EOP) No change $24.0B Expect EOP loans at 12/31/26 to be up mid single digits from 12/31/25 levels Deposits (EOP) No change $29.1B Expect EOP deposits at 12/31/26 to be up low single digits from 12/31/25 levels Net Interest Income (te) No change $287.6MM Expect NII (te) to be up between 5%-6% from FY25; expect modest NIM expansion in 2026; guidance based on no rate cuts in 2026 Adjusted Pre-Provision, Net Revenue (PPNR)* No change $172.9MM Expect adjusted PPNR to be up between 4.5%-5.5% from FY25 adjusted PPNR Reserve for Credit Losses No change $343.7MM, or 1.43% of total loans Future assumptions in economic forecasts and any change in our own asset quality metrics will drive level of reserves; expect net charge-offs to average loans between 0.15% and 0.25% for full year 2026 Adjusted Noninterest Income* No change $106.1MM Expect adjusted noninterest income to be up 4%-5% from FY25 noninterest income Noninterest Expense No change $220.7MM Expect noninterest expense to be up 5%-6% from FY25 adjusted noninterest expense; impact from organic growth initiative of approximately 135 basis points and impact from one full year of expenses related to Sabal Trust Company acquisition of approximately 50 basis points Effective Tax Rate No change 19.3% Approximately 20-21% Efficiency Ratio* No change 55.43% Expect to maintain efficiency ratio within the range of 54-55% for FY26

Appendix and Non-GAAP Reconciliations Appendix and Non-GAAP Reconciliations CHANCOCK WHITNEY

Summary Balance Sheet ($ in millions) (1) Average securities excludes unrealized gain/(loss) Summary Balance Sheet ($ in millions) 4Q20 and YTD 2020 include $2.0 billion and 3Q20 included $2.3 billion in PPP loans, net Average securities excludes unrealized gain /(loss) Change 4Q20 3Q20 4Q19 LQ PY Line Item YTD 2020 YTD 2019 Y-o-Y EOP Balance Sheet $21,789.9 $22,240.2 $21,212.8 ($450.3) $577.1 Loans (1) $21,789.9 $21,212.8 $577.1 7,356.5 7,056.3 6,243.3 300.2 1,113.2 Securities 7,356.5 6,243.3 1,113.2 30,616.3 30,179.1 27,622.2 437.2 2,994.1 Earning Assets 30,616.3 27,622.2 2,994.1 33,638.6 33,193.3 30,600.8 445.3 3,037.8 Total assets 33,638.6 30,600.8 3,037.8 $27,698.0 $27,030.7 $23,803.6 $667.3 $3,894.4 Deposits $27,698.0 $23,803.6 $3,894.4 1,667.5 1,906.9 2,714.9 (239.4) (1,047.4) Short-term borrowings 1,667.5 2,714.9 (1,047.4) 30,199.6 29,817.7 27,133.1 381.9 3,066.5 Total Liabilities 30,199.6 27,133.1 3,066.5 3,439.0 3,375.6 3,467.7 63.4 (28.7) Stockholders' Equity 3,439.0 3,467.7 (28.7) Avg Balance Sheet $22,065.7 $22,407.8 $21,037.9 ($342.1) $1,027.8 Loans $22,166.5 $20,380.0 $1,786.5 6,921.1 6,389.2 6,201.6 531.9 719.5 Securities (2) 6,398.7 5,864.2 534.5 29,875.5 29,412.3 27,441.5 463.2 2,434.0 Average earning assets 29,235.3 26,476.9 2,758.4 33,067.5 32,685.4 30,343.3 382.1 2,724.2 Total assets 32,391.0 29,125.4 3,265.6 $27,040.4 $26,763.8 $23,848.4 $276.6 $3,192.0 Deposits $26,212.3 $23,299.3 $2,913.0 1,779.5 1,733.3 2,393.4 46.2 (613.9) Short-term borrowings 1,978.2 1,942.1 36.1 29,660.8 29,333.8 26,869.6 327.0 2,791.2 Total Liabilities 28,957.9 25,822.8 3,135.1 3,406.6 3,351.6 3,473.7 55.0 (67.1) Stockholders' Equity 3,433.1 3,302.7 130.4 3.99% 3.95% 4.69% 4 bps -70 bps Loan Yield 4.13% 4.81% -68 bps 2.23% 2.31% 2.56% -8 bps -33 bps Securities Yield 2.38% 2.62% -24 bps 0.31% 0.39% 1.11% -8 bps -80 bps Cost of IB Deposits 0.57% 1.25% -68 bps 79% 82% 89% -361 bps -1045 bps Loan/Deposit Ratio (Period End) 79% 89% -1045 bps CHANCOCK WHITNEY 26 Change 1Q26 4Q25 1Q25 LQ Prior Year EOP Balance Sheet Loans 23,991.8 23,958.4 23,098.1 33.4 893.7 Securities 8,028.0 8,094.8 7,695.0 (66.8) 333.0 Earning assets 32,306.7 32,218.7 31,661.2 88.0 645.5 Total assets 35,542.1 35,472.8 34,750.7 69.3 791.4 Deposits 29,082.1 29,279.8 29,194.7 (197.7) (112.6) Short-term borrowings 1,360.5 1,017.3 542.8 343.2 817.7 Total liabilities 31,122.5 31,012.7 30,472.0 109.8 650.5 Stockholders' equity 4,419.6 4,460.1 4,278.7 (40.5) 140.9 Avg Balance Sheet Loans 23,966.0 23,715.8 23,068.6 250.2 897.4 Securities (1) 8,265.7 8,484.2 8,241.5 (218.5) 24.2 Average earning assets 32,698.8 32,598.3 32,023.9 100.5 674.9 Total assets 35,420.1 35,227.3 34,355.5 192.8 1,064.6 Deposits 28,834.7 28,816.5 28,752.4 18.2 82.3 Short-term borrowings 1,428.2 1,244.9 635.8 183.3 792.4 Total liabilities 30,958.3 30,809.6 30,172.7 148.7 785.6 Stockholders' equity 4,461.8 4,417.7 4,182.8 44.1 279.0 Loan yield 5.62% 5.75% 5.84% -13 bps -22 bps Securities yield 3.23% 2.98% 2.78% 25 bps 45 bps Cost of IB deposits 2.25% 2.42% 2.63% -17 bps -38 bps Loan/Deposit ratio – EOP 82.50% 81.83% 79.12% 67 bps 338 bps

Balance Sheet Summary 1Q25 2Q25 3Q25 4Q25 1Q26 Average Loans ($MM) 23,069 23,249 23,426 23,716 23,966 Average Total Securities* ($MM) 8,242 8,272 8,384 8,484 8,266 Average Deposits ($MM) 28,752 28,650 28,492 28,817 28,835 Loan Yield (TE) 5.84% 5.86% 5.87% 5.75% 5.62% Cost of Deposits 1.70% 1.65% 1.64% 1.57% 1.47% Tangible Common Equity Ratio 10.01% 9.84% 10.01% 10.06% 9.93% * Average securities excludes unrealized gain/(loss)

ICRE Segmentation Detail and Key Metrics ICRE loan portfolio is diversified by asset class, industry and geographic region ICRE 18% of total loans and includes a variety of collateral types Office-ICRE exposure low at only 3.0% of total loans Office buildings tend to be more mid-rise Approximately 34% of office-ICRE exposure has medical-related tenants Approximately 89% of office exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) 88% of office-ICRE portfolio (by loan count) has exposure of $5 million or less 92% of office-ICRE exposure has some level of guarantor support (corporate, personal, or both) Multifamily – ICRE and C&D exposure diverse No rent stabilized properties Approximately 70% of multifamily exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) 99% of multifamily (ICRE and C&D) exposure has some level of guarantor support (corporate, personal, or both) Total Loans Outstanding % of Total Loans Commitment ($s in millions) Multifamily $1,144 4.8% $1,155 Retail 793 3.3% 819 Office 727 3.0% 744 Industrial 614 2.6% 682 Healthcare related properties 469 2.0% 518 Hospitality(1) 421 1.8% 426 Other 140 0.6% 143 Other land loans 59 0.2% 61 1-4 family residential construction 16 0.1% 16 Total ICRE Loans(2) $4,383 18.3% $4,564 As of March 31, 2026 (1) Includes hotel, motel and restaurants (2) Includes ICRE and $572 million healthcare loans outstanding; healthcare loans outstanding primarily included in healthcare related properties, office, and other collateral categories

EOP Loan Repricing and Maturity ($s in millions) Repricing/Maturity Term (1) Rate Structure 3 months or less 4-12 months 1-3 Years 3-5 Years 5-15 Years Over 15 Years Total Loans (EOP) Variable Rate Fixed Rate Commercial Non-RE $6,024 $358 $892 $1,391 $998 $48 $9,711 $6,133 $3,578 CRE-Owner 1,152 80 292 559 1,199 18 3,300 1,113 2,187 CRE- income producing 3,102 134 374 497 264 12 4,383 3,093 1,290 Construction and land development 1,013 24 72 92 79 40 1,320 1,000 320 Total Commercial 11,291 596 1,630 2,539 2,540 118 18,714 11,339 7,375 Residential mortgages 50 138 145 232 1,396 1,989 3,950 1,605 2,345 Consumer 1,188 38 40 44 15 3 1,328 1,184 144 Total Loans $12,529 $772 $1,815 $2,815 $3,951 $2,110 $23,992 $14,128 $9,864 % of Total 52% 3% 8% 12% 16% 9% 100% 59% 41% Weighed Average Rate 6.32% 5.25% 5.60% 5.80% 4.38% 4.74% 5.72% 6.00% 5.28% (1) Based on maturity date for fixed rate loans 86% of variable rate loans reprice in three months or less $1.1 billion of variable rate mortgages, or 8% of total variable rate loans, reprice in 5 to 15 years

Total Loan Rates and Yield Trends $ in millions Total Loan Rate(1) - Fixed 4.98% 5.04% 5.17% 5.24% 5.28% 5.28% Total Loan Rate(1) - Variable 6.77% 6.60% 6.58% 6.52% 6.15% 6.00% (1) Loan rates represent weighted average coupon rate at end of period (2) Total loan yield includes impact of cash flow hedges (3) New Loan rates represent weighted average coupon rate in the month of origination or first funded balance

Maintaining a Seasoned, Stable, Diversified Deposit Base DDA as a % of total deposits remains strong at 36% at March 31, 2026 Uninsured deposits (adjusted for collateralized public funds) were 39.2% at March 31, 2026, compared to 38.6% at December 31, 2025 The Insured Cash Sweep (ICS) product is available to clients as a way to secure deposits above FDIC limits; balances at March 31, 2026 were $327 million, up from $322 million at December 31, 2025 Repurchase (Repo) agreements are another way for clients to secure deposits; balances at March 31, 2026 were $660 million, compared to $547 million at December 31, 2025 Consumer clients comprise 43% of total deposits (48% including wealth), while commercial clients comprise 40% There were no brokered time deposits at March 31, 2026 or December 31, 2025

Currently have approximately $20.4 billion in internal and external sources of liquidity if needed Approximately $18.7 billion in remaining net liquidity available at March 31, 2026 There were no brokered time deposits at March 31, 2026 or December 31, 2025 At March 31, 2026$ in millions TotalSources AmountUsed NetAvailability Internal Sources Free Securities $4,466 $ — $4,466 External Sources FHLB* 6,853 1,752 5,101 FRB-DW 3,542 — 3,542 Brokered Deposits 4,362 — 4,362 Overnight Fed Funds LOCs 1,209 — 1,209 Total Available Sources of Funding $20,432 $1,752 $18,680 Strong Liquidity Position; Multiple Sources of Funding Available At March 31, 2026 $ in millions Cash and O/N $ 779 Cash and O/N as a % of Assets 2.2% Cash and O/N + Net Availability $ 19,459 Uninsured Deposits excl. PF Deposits $ 11,388 Cash and O/N + Net Availability to Adj. Uninsured deposits 170.87% * Amount used includes letters of credit (off balance-sheet)

Summary Income Statement ($ in millions, except for per share data) *Non-GAAP measure: see slides 32-34 for non-GAAP reconciliations Change 1Q26 4Q25 1Q25 LQ Prior Year Net interest income (TE) 287.6 284.7 272.7 2.9 14.9 Provision for credit losses 13.2 13.1 10.5 0.1 2.7 Noninterest income 7.5 107.1 94.8 (99.6) (87.3) Noninterest expense 220.7 217.9 205.1 2.8 15.6 Income before income tax 58.7 158.3 149.2 (99.6) (90.5) Income tax expense 11.3 32.7 29.7 (21.4) (18.4) Net income 47.4 125.6 119.5 (78.2) (72.1) Adjusted PPNR (TE)* 172.9 174.0 162.4 (1.1) 10.5 Net income 47.4 125.6 119.5 (78.2) (72.1) Net Income allocated to participating securities (0.2) (0.5) (0.5) 0.3 0.3 Net Income available to common shareholders 47.2 125.1 119.0 (77.9) (71.8) Weighted average common shares - diluted (millions) 82.3 83.8 86.5 (1.5) (4.2) EPS 0.57 1.49 1.38 (0.92) (0.81) NIM (TE) 3.55% 3.48% 3.43% 7 bps 12 bps ROA 0.54% 1.41% 1.41% -87 bps -87 bps ROE 4.31% 11.28% 11.59% -697 bps -728 bps Efficiency ratio* 55.43% 54.93% 55.22% 50 bps 21 bps

Income Statement Summary (as Adjusted*) *Non-GAAP measure: see slides 32-34 for non-GAAP reconciliations 1Q25 2Q25 3Q25 4Q25 1Q26 Adjusted PPNR (TE)* ($000) 162,443 167,911 175,557 173,956 172,895 Net Interest Income (TE) ($000) 272,711 279,455 282,309 284,675 287,566 Net Interest Margin (TE) 3.43% 3.49% 3.49% 3.48% 3.55% Adjusted Noninterest Income* ($000) 94,791 98,524 106,001 107,131 106,077 Adjusted Noninterest Expense* ($000) 205,059 210,068 212,753 217,850 220,748 Efficiency Ratio* 55.22% 54.91% 54.10% 54.93% 55.43% Results *Non-GAAP measures. See slides 29-31 for non-GAAP reconciliations 4Q19 1Q20 2Q20 3Q20 4Q20 Operating PPNR (TE)* ($000) 125,660 115,688 118,518 126,346 130,607 Net Interest Income (TE)* ($000) 236,736 234,636 241,114 238,372 241,401 Net Interest Margin (TE)* 3.43% 3.41% 3.23% 3.23% 3.22% Noninterest Income ($000) 82,924 84,387 73,943 83,748 82,350 Operating Expense* ($000) 194,000 203,335 196,539 195,774 193,144 Efficiency Ratio* 58.88% 62.06% 60.74% 59.29% 58.23% CHANCOCK WHITNEY 27

Current Hedge Positions Cash Flow (CF) Hedges Receive 268 bps versus paying 1-month SOFR on $1.8 billion Two additional hedges were executed while no terminations were made during the first quarter of 2026 Total termination value on remaining active CF hedges is approximately ($17) million as of 3/31/2026 Future maturities of existing CF hedges range from April 2026 through October 2030 Fair Value (FV) Hedges Pay an average fixed rate of 1.94% and receive variable rate at FF effective (resulting in these bonds being a variable rate of FF plus 41 bps) One FV hedge was terminated in 1Q26 with no additional FV hedges executed The $359 million of FV hedges reduced the duration (market price risk) from approximately 5.2 years to 1.0 year on $388 million in hedged securities $265 million of the $359 million in FV hedges, have become effective and contribute to the total portfolio yield; the remaining FV hedge will become effective in July 2026 Current termination value of FV hedges is approximately $24 million at 3/31/2026 When FV hedges are terminated, the value of each hedge is an adjustment to the book value of the underlying security, thereby changing its current book yield and extending its duration

PPNR (TE) and Adjusted PPNR (TE) Reconciliation Three Months Ended (in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 Net Income (GAAP) $47,422 $125,572 $127,466 $113,531 $119,504 Provision for credit losses 13,172 13,145 12,651 14,925 10,462 Income tax expense 11,305 32,734 32,869 31,048 29,671 Pre-provision net revenue 71,899 171,451 172,986 159,504 159,637 Taxable equivalent adjustment* 2,401 2,505 2,571 2,496 2,806 Pre-provision net revenue (TE)* 74,300 173,956 175,557 162,000 162,443 Adjustments from supplemental disclosure items Loss on securities portfolio restructure 98,595 — — — — Sabal Trust Company acquisition expense — — — 5,911 — Adjusted pre-provision net revenue (TE)* $172,895 $173,956 $175,557 $167,911 $162,443 Total Revenue (TE), Operating PPNR (TE) Reconciliations Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. Three Months Ended (in thousands) 12/31/2020 9/30/2020 6/30/2020 3/31/2020 12/31/2019 Net interest income $238,286 $235,183 $237,866 $231,188 $233,156 Noninterest income 82,350 83,748 73,943 84,387 82,924 Total revenue $320,636 $318,931 $311,809 $315,575 $316,080 Taxable equivalent adjustment 3,115 3,189 3,248 3,448 3,580 Total revenue (TE) $323,751 $322,120 $315,057 $319,023 $319,660 Noninterest expense (193,144) (195,774) (196,539) (203,335) (197,856) Nonoperating expense — — — — 3,856 Operating pre-provision net revenue $130,607 $126,346 $118,518 $115,688 $125,660CHANCOCK WHITNEY 31 *Taxable equivalent (TE) amounts are calculated using a federal tax rate of 21% Adjusted Noninterest Income and Adjusted Noninterest Expense Three Months Ended (in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 Noninterest income (GAAP) $7,482 $107,131 $106,001 $98,524 $94,791 Adjustments from supplemental disclosure item Loss on securities portfolio restructure 98,595 — — — — Adjusted noninterest income $106,077 $107,131 $106,001 $98,534 $94,791 Noninterest expense (GAAP) $220,748 $217,850 $212,753 $215,979 $205,059 Adjustments from supplemental disclosure items Sabal Trust Company acquisition expense — — — (5,911) — Adjusted noninterest expense $220,748 $217,850 $212,753 $210,068 $205,059

Adjusted Efficiency Ratio Reconciliation Three Months Ended (in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 Net interest income $285,165 $282,170 $279,738 $276,959 $269,905 Noninterest income (GAAP) 7,482 107,131 106,001 98,524 94,791 Total GAAP revenue 292,647 389,301 385,739 375,483 364,696 Taxable equivalent adjustment* 2,401 2,505 2,571 2,496 2,806 Total revenue (TE)* $295,048 $391,806 $388,310 $377,979 $367,502 Adjustments from supplemental disclosure item Loss on securities portfolio restructure 98,595 — — — — Adjusted total revenue (TE)* for efficiency $393,643 $391,806 $388,310 $377,979 $367,502 Noninterest expense (GAAP) $220,748 $217,850 $212,753 $215,979 $205,059 Amortization of Intangibles (2,548) (2,622) (2,694) (2,524) (2,113) Adjustments from supplemental disclosure items Sabal Trust Company acquisition expense — — — (5,911) — Adjusted noninterest expense less amortization of intangibles $218,200 $215,228 $210,059 $207,544 $202,946 Efficiency Ratio** 55.43% 54.93% 54.10% 54.91% 55.22% *Taxable equivalent (TE) amounts are calculated using a federal tax rate of 21% ** The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above

*Supplemental disclosure item, net of income tax impact calculated using federal tax rate of 21% Adjusted Net Income, ROA, and ROTCE Reconciliation Three Months Ended (in thousands) 1Q26 4Q25 1Q25 Average total assets $35,420,096 $35,227,286 $34,355,515 Average common stockholders' equity $4,461,827 $4,417,711 $4,182,814 Average goodwill and other intangible assets (991,166) (993,742) (889,590) Average tangible common equity $3,470,661 $3,423,969 $3,293,224 Net income (GAAP) $47,422 $125,572 $119,504 Supplemental disclosure item, net of income tax* 77,890 — — Adjusted Net Income $125,312 $125,572 $119,504 ROA 0.54% 1.41% 1.41% Adjusted ROA 1.43% 1.41% 1.41% ROTCE 5.54% 14.55% 14.72% Adjusted ROTCE 14.64% 14.55% 14.72% Adjusted Earnings Per Share – Diluted Reconciliation Three Months Ended (in thousands) 1Q26 4Q25 1Q25 Net Income (GAAP) $47,422 $125,572 $119,504 Net income allocated to participating securities (159) (483) (521) Net income available to common shareholders $47,263 $125,089 $118,983 Supplemental disclosure item, net of income tax* 77,890 — — Supplemental disclosure item allocated to participating securities (260) — — Adjusted net income allocated to participating securities $124,893 $125,089 $118,983 Weighted average common shares – diluted 82,261 83,791 86,462 Earnings per share – diluted $0.57 $1.49 $1.38 Adjusted earnings per share – diluted $1.52 $1.49 $1.38

First Quarter 2026Earnings Conference Call 4/21/2026 HANCOCK WHITNEY

Source: View Original Filing on SEC EDGAR

FAQ

How did Hancock Whitney (HWC) perform financially in Q1 2026?

Hancock Whitney reported net income of $47.4 million, or $0.57 per diluted share, for Q1 2026. Results were reduced by a $98.6 million pretax securities portfolio restructuring loss; excluding this, adjusted EPS would be $1.52, slightly above the prior quarter.

What caused the earnings decline for Hancock Whitney (HWC) versus Q4 2025?

The main driver of lower earnings versus Q4 2025 was a $98.6 million pretax loss from restructuring the securities portfolio. This reduced reported EPS to $0.57 from $1.49, even though underlying net interest income, margin, and core profitability remained resilient.

What is the credit quality picture for Hancock Whitney (HWC) in Q1 2026?

Credit quality remained stable, with net charge-offs of $11.1 million, or 0.19% of average loans annualized. The allowance for credit losses totaled $343.7 million, representing 1.43% of period-end loans, while criticized commercial loans declined modestly and nonaccrual loans rose slightly.

How strong are Hancock Whitney’s (HWC) capital ratios after the restructuring?

Despite the $98.6 million securities loss and share repurchases, capital stayed robust. At March 31, 2026, the estimated CET1 ratio was 13.30%, tangible common equity ratio was 9.93%, and total risk-based capital ratio was 15.10%, supporting ongoing organic growth and capital management.

How did Hancock Whitney’s (HWC) net interest margin and revenue evolve in Q1 2026?

Net interest income on a taxable-equivalent basis was $287.6 million, up about 1% from Q4 2025. The net interest margin improved to 3.55%, helped by higher securities yields and lower funding costs, while adjusted pre-provision net revenue reached $172.9 million for the quarter.

Filing Exhibits & Attachments

3 documents

Hancock Whitney (NASDAQ: HWC) Q1 2026 earnings shaped by $98.6M bond loss

Rhea-AI Filing Summary

Positive

Negative

Insights

8-K Event Classification

Key Figures

Key Terms

Earnings Snapshot

FAQ

How did Hancock Whitney (HWC) perform financially in Q1 2026?

What caused the earnings decline for Hancock Whitney (HWC) versus Q4 2025?

What is the credit quality picture for Hancock Whitney (HWC) in Q1 2026?

How strong are Hancock Whitney’s (HWC) capital ratios after the restructuring?

How did Hancock Whitney’s (HWC) net interest margin and revenue evolve in Q1 2026?

Filing Exhibits & Attachments

Press Releases

Other Documents

Hancock Whitney (NASDAQ: HWC) Q1 2026 earnings shaped by $98.6M bond loss

Rhea-AI Filing Summary

Positive

Negative

Insights

Banking sector earnings analyst neutral

8-K Event Classification

Key Figures

Key Terms

Earnings Snapshot

FAQ

How did Hancock Whitney (HWC) perform financially in Q1 2026?

What caused the earnings decline for Hancock Whitney (HWC) versus Q4 2025?

How are Hancock Whitney’s (HWC) loans and deposits trending in Q1 2026?

What is the credit quality picture for Hancock Whitney (HWC) in Q1 2026?

How strong are Hancock Whitney’s (HWC) capital ratios after the restructuring?

How did Hancock Whitney’s (HWC) net interest margin and revenue evolve in Q1 2026?

Filing Exhibits & Attachments

Press Releases

Other Documents