Hancock Whitney (Nasdaq: HWC) Q2 2026 profit climbs to $127.0M

Rhea-AI Filing Summary

Hancock Whitney Corporation reported strong second‑quarter 2026 results. Net income was $127.0 million, or $1.55 per diluted share, compared with $47.4 million, or $0.57, in the prior quarter, which included a $98.6 million pretax loss from a securities portfolio restructuring, and $113.5 million, or $1.32, a year earlier. Adjusted pre‑provision net revenue was $178.1 million, up 3% sequentially. Net interest income on a tax‑equivalent basis rose to $295.2 million and net interest margin edged up to 3.56%, while the efficiency ratio was 55.31%.

Loans reached $24.6 billion at June 30, 2026, rising $588 million, while deposits grew $548 million to $29.6 billion. Credit quality remained solid, with a $348.0 million allowance for credit losses covering 1.42% of loans, annualized net charge‑offs of 0.16% of average loans, criticized commercial loans down to $492.0 million, and nonaccrual loans steady at $113.7 million. Capital ratios stayed robust, including an estimated 13.18% CET1 and 9.78% tangible common equity, even after repurchasing 712,966 shares at an average price of $68.28 and paying a $0.50 quarterly dividend. The company also highlighted the pending acquisition of One Florida Bank, expected to close on August 1.

Positive

• EPS rose to $1.55 with net income of $127.0 million versus $47.4 million in the prior quarter, reflecting the absence of a $98.6 million securities restructuring loss and higher adjusted pre‑provision revenue and net interest income.

Negative

• None.

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: $127.0 million Diluted EPS: $1.55 Net interest income (TE): $295.2 million +5 more

8 metrics

Net income $127.0 million For the second quarter ended June 30, 2026

Diluted EPS $1.55 Second quarter 2026 diluted earnings per common share

Net interest income (TE) $295.2 million Tax‑equivalent net interest income in Q2 2026

Loans $24.6 billion Total period‑end loans at June 30, 2026

Total deposits $29.6 billion Total period‑end deposits at June 30, 2026

Net interest margin (TE) 3.56% Tax‑equivalent net interest margin for Q2 2026

Allowance for credit losses ratio 1.42% Allowance for credit losses as percentage of period‑end loans at June 30, 2026

CET1 capital ratio 13.18% Estimated common equity tier 1 ratio at June 30, 2026

Key Terms

Adjusted Pre-Provision Net Revenue, allowance for credit losses, net interest margin (TE), criticized commercial loans, +2 more

6 terms

Adjusted Pre-Provision Net Revenue financial

"Adjusted pre-provision net revenue (PPNR) totaled $178.1 million"

A bank metric that measures the money a lender earns from its core business—interest from loans plus fees and other income—after paying regular operating costs but before setting aside funds for expected loan losses. Think of it as a household’s monthly take-home pay after bills but before putting money into a rainy-day savings account; investors use it to judge a bank’s underlying ability to absorb future loan losses and sustain profitability.

allowance for credit losses financial

"The total allowance for credit losses (ACL) was $348.0 million at June 30, 2026"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

net interest margin (TE) financial

"The net interest margin (NIM) (TE) was 3.56% in the second quarter of 2026"

criticized commercial loans financial

"Criticized commercial loans totaled $492.0 million, or 2.55% of total commercial loans"

tangible common equity ratio financial

"The tangible common equity (TCE) ratio was 9.78%, down 15 bps linked-quarter"

Tangible common equity ratio measures how much real, loss-absorbing capital common shareholders have relative to a company's tangible assets—calculated by removing intangible items (like goodwill) and preferred equity from total equity and comparing that net amount to tangible assets. Think of it as the thickness of a safety cushion made of solid, visible value rather than accounting entries; investors use it to judge how well a company could withstand losses and protect common shareholders' claims.

efficiency ratio financial

"Efficiency ratio of 55.31%, compared to 55.43% in the prior quarter"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

Earnings Snapshot

Net income: $127.0 million

Second quarter ended June 30, 2026

Net income $127.0 million up from $47.4 million in the first quarter of 2026 and $113.5 million in the second quarter of 2025

Diluted EPS $1.55 up from $0.57 in the first quarter of 2026 and $1.32 in the second quarter of 2025

Net interest income (TE) $295.2 million increased by $7.7 million from $287.6 million in the first quarter of 2026

Noninterest income $108.4 million rose from $7.5 million in the first quarter of 2026, which included a $98.6 million securities loss

Return on average assets 1.42% improved from 0.54% in the first quarter of 2026

Net charge-offs to average loans 0.16% declined from 0.19% in the first quarter of 2026

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Available on EDGAR 07/21/2026 - 04:01 PM Accepted by SEC EDGAR 07/21/2026 - 04:00 PM Learn about SEC filing dates

FAQ

What were Hancock Whitney (HWC) earnings for the second quarter of 2026?

Hancock Whitney reported net income of $127.0 million, or $1.55 diluted EPS, for Q2 2026. This compares with $47.4 million, or $0.57 per share, in Q1 2026 and $113.5 million, or $1.32 per share, in Q2 2025.

How did loans and deposits at Hancock Whitney (HWC) change in Q2 2026?

Total loans reached $24.6 billion, up $588.3 million, or 2%, from March 31, 2026. Total deposits increased to $29.6 billion, up $547.6 million, or 2%, driven mainly by interest‑bearing transaction and savings balances.

What was Hancock Whitney (HWC) net interest margin and revenue mix in Q2 2026?

Net interest income on a tax‑equivalent basis was $295.2 million, with a 3.56% net interest margin (TE). Noninterest income totaled $108.4 million, representing 26.85% of total tax‑equivalent revenue, while the efficiency ratio was 55.31%.

How strong was asset quality for Hancock Whitney (HWC) in Q2 2026?

The allowance for credit losses was $348.0 million, or 1.42% of period‑end loans. Annualized net charge‑offs were 0.16% of average loans, criticized commercial loans fell to $492.0 million, and nonaccrual loans were $113.7 million, or 0.46% of total loans.

What capital and share repurchase actions did Hancock Whitney (HWC) report?

Hancock Whitney reported an estimated CET1 ratio of 13.18%, total risk‑based capital ratio of 14.97%, and tangible common equity ratio of 9.78%. The company repurchased 712,966 shares at an average price of $68.28 and paid a $0.50 quarterly dividend.

Did Hancock Whitney (HWC) mention any acquisitions in its Q2 2026 results?

Management noted the announced acquisition of One Florida Bank and stated they expect to close the transaction on August 1. The company framed this deal alongside continued execution of its organic growth plan across its core banking markets.

What were Hancock Whitney (HWC) key profitability ratios in Q2 2026?

Return on average assets was 1.42%, and return on average common equity was 11.52% in Q2 2026. The return on average tangible common equity was 14.84%, highlighting profitability levels alongside an efficiency ratio of 55.31% and stable net interest margin.

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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): July 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 Nasdaq Nasdaq
__________________

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 July 21, 2026, Hancock Whitney Corporation (the “Company”) announced financial results for its second quarter ended June 30, 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 July 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 second quarter ended June 30, 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 July 21, 2026 for Quarter Ended June 30, 2026.
99.2	Presentation Slides dated July 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
July 21, 2026	By:	/s/ Michael M. Achary
		Michael M. Achary
		Chief Financial Officer

Exhibit 99.1

FOR IMMEDIATE RELEASE July 21, 2026

For more information

Ashleigh Flower Wilshire, SVP, Head of Investor Relations

504.299.5076 or ashleigh.wilshire@hancockwhitney.com

Hancock Whitney reports second quarter 2026 EPS of $1.55

GULFPORT, Miss. (July 21, 2026) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the second quarter of 2026. Net income for the second quarter of 2026 totaled $127.0 million, or $1.55 per diluted common share (EPS), compared to $47.4 million, or $0.57 per diluted common share, in the first quarter of 2026. First quarter 2026 results include a pretax charge of $98.6million, or $0.95 per share, of a supplemental disclosure item related to a net loss on securities portfolio restructure. There were no supplemental disclosure items in the second quarter of 2026. The company reported net income for the second quarter of 2025 of $113.5 million, or $1.32 per diluted common share. The second quarter of 2025 included $5.9 million, or $0.05 per diluted common share, of supplemental disclosure items related to the acquisition of Sabal Trust Company.

Second Quarter 2026 Highlights

•Net income totaled $127.0 million, or $1.55 per diluted share, compared to $47.4 million, or $0.57 per diluted share in the first quarter of 2026

•Adjusted pre-provision net revenue (PPNR) totaled $178.1 million, up $5.2 million, or 3% from the prior quarter

•Loans increased $588 million, or 10% linked quarter annualized (LQA)

•Deposits increased $548 million, or 8% LQA

•Criticized commercial loans decreased and nonaccrual loans were virtually flat compared to the first quarter of 2026

•ACL coverage solid at 1.42%

•NIM of 3.56%, up 1 bp from the prior quarter

•CET1 ratio estimated at 13.18%, down 11 bps linked-quarter; TCE ratio of 9.78%, down 15 bps linked-quarter; total risk-based capital ratio estimated at 14.97%, down 13 bps linked-quarter

•Efficiency ratio of 55.31%, compared to 55.43% in the prior quarter

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“The second quarter of 2026 results reflect another quarter of strong performance,” said John M. Hairston, President & CEO. “Our team delivered exceptional progress on our organic growth plan with loan growth of 10% and deposit growth of 8%, linked quarter annualized. We remained focused on our investment in revenue-generating activities, including hiring 15 net new bankers in the second quarter. Profitability remains solid with EPS of $1.55, ROA of 1.42%, an efficiency ratio of 55.31%, and continued fee income growth and well-controlled expenses. Our criticized loan levels decreased during the quarter and our ACL remains robust at 1.42%. We also announced the acquisition of One Florida Bank this quarter and expect to close the transaction on August 1. We look forward to the remainder of 2026 as we continue to execute our organic growth plan and welcome the One Florida Bank associates and clients to Hancock Whitney.”

Loans

Total loans were $24.6 billion at June 30, 2026, up $588.3 million, or 2%, from March 31, 2026. Loan growth was driven primarily by an increase in C&I lending, healthcare activity, and commercial real estate across multiple products.

Average loans totaled $24.3 billion for the second quarter of 2026, up $373.9 million, or 2%, linked-quarter.

Deposits

Total deposits at June 30, 2026 were $29.6 billion, up $547.6 million, or 2%, from March 31, 2026. Deposit growth was driven primarily by an increase in interest-bearing transactions and savings, offset by decreases in retail time deposits and interest-bearing public fund deposits.

Noninterest-bearing deposits totaled $10.3 billion at June 30, 2026, virtually flat from March 31, 2026, and comprised 35% of total period-end deposits.

Interest-bearing transaction and savings deposits totaled $13.0 billion at the end of the second quarter of 2026, up $785.0 million, or 6%, linked-quarter due to competitive products and pricing.

Interest-bearing public fund deposits decreased $56.9 million, or 2%, linked-quarter, totaling $2.9 billion at June 30, 2026. The decrease in interest-bearing public fund deposits was driven by seasonal outflows. Compared to March 31, 2026, retail time deposits of $3.4 billion were down $172.4 million, or 5%, driven by maturities and repricing during the second quarter of 2026.

Average deposits for the second quarter of 2026 were $28.8 billion, down $53.8 million, or less than 1%, linked-quarter.

Asset Quality

The total allowance for credit losses (ACL) was $348.0 million at June 30, 2026, up $4.3 million, or 1% from March 31, 2026. During the second quarter of 2026, the company recorded a provision for credit losses of $13.8 million, compared to $13.2 million in the first quarter of 2026. There were $9.4 million of net charge-offs in the second quarter of 2026, or 0.16% of average total loans on an annualized basis, compared to net charge-offs of $11.1 million, or 0.19% of average total loans in the first quarter of 2026. The ratio of ACL to period-end loans was 1.42% at June 30, 2026 compared to 1.43% at March 31, 2026.

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Criticized commercial loans totaled $492.0 million, or 2.55% of total commercial loans, at June 30, 2026, down $30.2 million from $522.2 million, or 2.79% of total commercial loans, at March 31, 2026. Nonaccrual loans totaled $113.7 million, or 0.46% of total loans, at June 30, 2026, compared to $113.3 million, or 0.47% of total loans, at March 31, 2026. ORE and foreclosed assets were $12.9 million at June 30, 2026, up $1.6 million, or 14%, from $11.3 million at March 31, 2026.

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

Net interest income (TE) for the second quarter of 2026 was $295.2 million, an increase of $7.7 million, or 3%, from the first quarter of 2026. The net interest margin (NIM) (TE) was 3.56% in the second quarter of 2026, up 1 bp linked-quarter, driven by the higher investment portfolio yield (+2 bps), and lower cost of deposits (+3 bps), partially offset by unfavorable borrowing costs (-3 bps) and lower loan yields (-1 bp).

Average earning assets were $33.2 billion for the second quarter of 2026, up $507 million, or 2%, from the first quarter of 2026.

Noninterest Income

Noninterest income totaled $108.4 million for the second quarter of 2026, up $100.9 million from the first quarter of 2026. Included in noninterest income in the first quarter of 2026 was a supplemental disclosure item of a ($98.6) million loss from a securities portfolio restructuring. There were no supplemental disclosure items in the second quarter of 2026.

Service charges on deposit accounts totaled $25.9 million for the second quarter of 2026, unchanged from prior quarter. Bank card and ATM fees were up $1.1 million, or 5%, from the first quarter of 2026. Investment and annuity income and insurance fees were up $2.0 million, or 16%, linked-quarter due to seasonally higher activity. Trust fees were up $1.5 million, or 6%, linked-quarter due to annual collection of tax preparation fees. Fees from secondary mortgage operations totaled $4.1 million for the second quarter of 2026, up $0.5 million, or 15%, linked-quarter.

There were no securities gains and losses in the second quarter of 2026. Securities transactions, net in the first quarter 2026 was a loss of $98.6 million, resulting from a securities portfolio restructuring identified as a supplemental disclosure item.

Other noninterest income was $14.5 million in the second quarter of 2026, down $2.8 million, or 16%, from the first quarter of 2026. The decrease in other noninterest income was primarily due to lower syndication fees and lower SBIC income.

Noninterest Expense & Taxes

Noninterest expense totaled $225.4 million, up $4.7 million, or 2% linked-quarter.

Personnel expense totaled $130.2 million in the second quarter of 2026, up $3.0 million, or 2%, linked-quarter due to annual merit increases and the impact of new hires.

Net occupancy and equipment expense totaled $18.3 million in the second quarter of 2026, up $1.0 million, or 6%, from the first quarter of 2026. Amortization of intangibles totaled $2.2 million for the second quarter of 2026, down $0.3 million, or 13%, linked-quarter.

Net expense on ORE and other foreclosed assets totaled $0.2 million in the second quarter of 2026, compared to $0.4 million in the first quarter of 2026.

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Other expenses totaled $74.5 million in the second quarter of 2026, up $1.2 million, or 2%, linked-quarter.

The effective income tax rate for the second quarter of 2026 was 21.7 %, compared to 19.3% in the first quarter of 2026.

Capital

Common stockholders’ equity at June 30, 2026 totaled $4.4 billion, up $24.5 million, or 1%, from March 31, 2026. The tangible common equity (TCE) ratio was 9.78%, down 15 bps linked-quarter. The company’s CET1 ratio is estimated to be 13.18% at June 30, 2026, down 11 bps linked-quarter. Total risk-based capital ratio is estimated to be 14.97% at June 30, 2026, down 13 bps linked-quarter.

During the second quarter of 2026, the company repurchased 712,966 shares of its common stock at an average price of $68.28 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. Since its inception, the company has repurchased 2,112,966 shares under this share buyback program.

Conference Call and Slide Presentation

Management will host a conference call for analysts and investors at 3:30 p.m. Central Time on Tuesday, July 21, 2026 to review second 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 second quarter 2026 results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial 833-461-5787, access code 863473372.

A replay of the conference call will be available under the Investor Relations section of our website.

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

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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 timing, benefits, costs and synergies of the merger with One Florida Bank, as well as statements regarding the potential impact of current or future business combinations on our performance and financial condition, including our ability to successfully identify acquisition targets and 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

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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.

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HANCOCK WHITNEY CORPORATION
FINANCIAL HIGHLIGHTS
(Unaudited)
		Three Months Ended												Six Months Ended
(dollars and common share data in thousands, except per share amounts)		6/30/2026				3/31/2026				6/30/2025				6/30/2026				6/30/2025
NET INCOME
Net interest income		$	293,012			$	285,165			$	276,959			$	578,177			$	546,864
Net interest income (TE) (a)			295,225				287,566				279,455				582,791				552,166
Provision for credit losses			13,775				13,172				14,925				26,947				25,387
Noninterest income			108,350				7,482				98,524				115,832				193,315
Noninterest expense			225,436				220,748				215,979				446,184				421,038
Income tax expense			35,190				11,305				31,048				46,495				60,719
Net income		$	126,961			$	47,422			$	113,531			$	174,383			$	233,035
Supplemental disclosure items - included above, pre-tax
Included in noninterest income
Loss on securities portfolio restructure		$	—			$	98,595			$	—			$	98,595			$	—
Included in noninterest expense
Sabal Trust Company acquisition expense		$	—			$	—			$	5,911			$	—			$	5,911
PERIOD-END BALANCE SHEET DATA
Loans		$	24,580,173			$	23,991,840			$	23,461,750			$	24,580,173			$	23,461,750
Securities			7,891,359				8,028,014				7,868,011				7,891,359				7,868,011
Earning assets			33,039,464				32,306,650				31,965,130				33,039,464				31,965,130
Total assets			36,345,972				35,542,126				35,212,652				36,345,972				35,212,652
Noninterest-bearing deposits			10,336,866				10,344,878				10,638,785				10,336,866				10,638,785
Total deposits			29,629,760				29,082,134				29,046,612				29,629,760				29,046,612
Common stockholders' equity			4,444,134				4,419,592				4,365,419				4,444,134				4,365,419
AVERAGE BALANCE SHEET DATA
Loans		$	24,339,904			$	23,965,993			$	23,249,241			$	24,153,981			$	23,159,406
Securities (b)			8,285,594				8,265,682				8,271,777				8,275,693				8,256,729
Earning assets			33,205,847				32,698,837				32,081,140				32,953,742				32,052,670
Total assets			35,881,537				35,420,096				34,527,276				35,652,091				34,441,870
Noninterest-bearing deposits			10,104,015				10,033,006				10,317,446				10,068,707				10,240,760
Total deposits			28,780,937				28,834,747				28,649,900				28,807,693				28,700,875
Common stockholders' equity			4,420,837				4,461,827				4,284,279				4,441,218				4,233,827
COMMON SHARE DATA
Earnings per share - diluted		$	1.55			$	0.57			$	1.32			$	2.12			$	2.69
Cash dividends per share			0.50				0.50				0.45				1.00				0.90
Book value per share (period-end)			55.23				54.46				51.15				55.23				51.15
Tangible book value per share (period-end)			42.95				42.26				39.46				42.95				39.46
Weighted average number of shares - diluted			81,485				82,261				85,943				81,868				86,203
Period-end number of shares			80,471				81,152				85,351				80,471				85,351
Market data
High sales price		$	75.25			$	75.43			$	58.24			$	75.43			$	61.57
Low sales price			62.16				59.97				43.90				59.97				43.90
Period-end closing price			74.72				63.59				57.40				74.72				57.40
Trading volume			55,444				53,673				43,450				109,117				85,142
PERFORMANCE RATIOS
Return on average assets			1.42	%			0.54	%			1.32	%			0.99	%			1.36	%
Return on average common equity			11.52	%			4.31	%			10.63	%			7.92	%			11.10	%
Return on average tangible common equity			14.84	%			5.54	%			13.71	%			10.19	%			14.21	%
Tangible common equity ratio (c)			9.78	%			9.93	%			9.84	%			9.78	%			9.84	%
Net interest margin (TE)			3.56	%			3.55	%			3.49	%			3.55	%			3.46	%
Noninterest income as a percentage of total revenue (TE)			26.85	%			2.54	%			26.07	%			16.58	%			25.93	%
Efficiency ratio (d)			55.31	%			55.43	%			54.91	%			55.37	%			55.06	%
Average loan/deposit ratio			84.57	%			83.11	%			81.15	%			83.85	%			80.69	%
Allowance for loan losses as a percentage of period-end loans			1.27	%			1.30	%			1.33	%			1.27	%			1.33	%
Allowance for credit losses as a percentage of period-end loans (e)			1.42	%			1.43	%			1.45	%			1.42	%			1.45	%
Annualized net charge-offs to average loans			0.16	%			0.19	%			0.31	%			0.17	%			0.24	%
Allowance for loan losses as a % of nonaccrual loans			274.99	%			274.67	%			329.94	%			274.99	%			329.94	%
FTE headcount			3,674				3,658				3,580				3,674				3,580
(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.

7

HANCOCK WHITNEY CORPORATION
QUARTERLY FINANCIAL HIGHLIGHTS
(Unaudited)
		Three Months Ended
(dollars and common share data in thousands, except per share amounts)		6/30/2026				3/31/2026				12/31/2025				9/30/2025				6/30/2025
NET INCOME
Net interest income		$	293,012			$	285,165			$	282,170			$	279,738			$	276,959
Net interest income (TE) (a)			295,225				287,566				284,675				282,309				279,455
Provision for credit losses			13,775				13,172				13,145				12,651				14,925
Noninterest income			108,350				7,482				107,131				106,001				98,524
Noninterest expense			225,436				220,748				217,850				212,753				215,979
Income tax expense			35,190				11,305				32,734				32,869				31,048
Net income		$	126,961			$	47,422			$	125,572			$	127,466			$	113,531
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		$	24,580,173			$	23,991,840			$	23,958,440			$	23,596,565			$	23,461,750
Securities			7,891,359				8,028,014				8,094,799				7,991,281				7,868,011
Earning assets			33,039,464				32,306,650				32,218,663				32,532,320				31,965,130
Total assets			36,345,972				35,542,126				35,472,762				35,766,407				35,212,652
Noninterest-bearing deposits			10,336,866				10,344,878				10,374,991				10,305,303				10,638,785
Total deposits			29,629,760				29,082,134				29,279,774				28,659,750				29,046,612
Common stockholders' equity			4,444,134				4,419,592				4,460,117				4,474,479				4,365,419
AVERAGE BALANCE SHEET DATA
Loans		$	24,339,904			$	23,965,993			$	23,715,763			$	23,425,895			$	23,249,241
Securities (b)			8,285,594				8,265,682				8,484,162				8,383,771				8,271,777
Earning assets			33,205,847				32,698,837				32,598,315				32,213,632				32,081,140
Total assets			35,881,537				35,420,096				35,227,286				34,751,209				34,527,276
Noninterest-bearing deposits			10,104,015				10,033,006				10,165,806				10,121,707				10,317,446
Total deposits			28,780,937				28,834,747				28,816,539				28,492,076				28,649,900
Common stockholders' equity			4,420,837				4,461,827				4,417,711				4,368,746				4,284,279
COMMON SHARE DATA
Earnings per share - diluted		$	1.55			$	0.57			$	1.49			$	1.49			$	1.32
Cash dividends per share			0.50				0.50				0.45				0.45				0.45
Book value per share (period-end)			55.23				54.46				54.22				52.82				51.15
Tangible book value per share (period-end)			42.95				42.26				42.16				41.07				39.46
Weighted average number of shares - diluted			81,485				82,261				83,791				85,453				85,943
Period-end number of shares			80,471				81,152				82,259				84,711				85,351
Market data
High sales price		$	75.25			$	75.43			$	67.10			$	64.66			$	58.24
Low sales price			62.16				59.97				54.05				56.87				43.90
Period-end closing price			74.72				63.59				63.68				62.61				57.40
Trading volume			55,444				53,673				55,269				51,077				43,450
PERFORMANCE RATIOS
Return on average assets			1.42	%			0.54	%			1.41	%			1.46	%			1.32	%
Return on average common equity			11.52	%			4.31	%			11.28	%			11.58	%			10.63	%
Return on average tangible common equity			14.84	%			5.54	%			14.55	%			15.00	%			13.71	%
Tangible common equity ratio (c)			9.78	%			9.93	%			10.06	%			10.01	%			9.84	%
Net interest margin (TE)			3.56	%			3.55	%			3.48	%			3.49	%			3.49	%
Noninterest income as a percentage of total revenue (TE)			26.85	%			2.54	%			27.34	%			27.30	%			26.07	%
Efficiency ratio (d)			55.31	%			55.43	%			54.93	%			54.10	%			54.91	%
Average loan/deposit ratio			84.57	%			83.11	%			82.30	%			82.22	%			81.15	%
Allowance for loan losses as a percentage of period-end loans			1.27	%			1.30	%			1.28	%			1.33	%			1.33	%
Allowance for credit losses as a percentage of period-end loans (e)			1.42	%			1.43	%			1.43	%			1.45	%			1.45	%
Annualized net charge-offs to average loans			0.16	%			0.19	%			0.22	%			0.19	%			0.31	%
Allowance for loan losses as a % of nonaccrual loans			274.99	%			274.67	%			287.95	%			276.20	%			329.94	%
FTE headcount			3,674				3,658				3,627				3,603				3,580
(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.

8

HANCOCK WHITNEY CORPORATION
INCOME STATEMENT
(Unaudited)
		Three Months Ended												Six Months Ended
(dollars in thousands, except per share data)		6/30/2026				3/31/2026				6/30/2025				6/30/2026				6/30/2025
NET INCOME
Interest income		$	412,887			$	401,382			$	402,581			$	814,269			$	797,902
Interest income (TE) (f)			415,100				403,783				405,077				818,883				803,204
Interest expense			119,875				116,217				125,622				236,092				251,038
Net interest income (TE)			295,225				287,566				279,455				582,791				552,166
Provision for credit losses			13,775				13,172				14,925				26,947				25,387
Noninterest income			108,350				7,482				98,524				115,832				193,315
Noninterest expense			225,436				220,748				215,979				446,184				421,038
Income before income taxes			162,151				58,727				144,579				220,878				293,754
Income tax expense			35,190				11,305				31,048				46,495				60,719
Net income		$	126,961			$	47,422			$	113,531			$	174,383			$	233,035
Supplemental disclosure items - included above, pre-tax
Included in noninterest income
Loss on securities portfolio restructure		$	—			$	98,595			$	—			$	98,595			$	—
Included in noninterest expense
Sabal Trust Company acquisition expense		$	—			$	—			$	5,911			$	—			$	5,911
NONINTEREST INCOME
Service charges on deposit accounts		$	25,897			$	25,902			$	24,256			$	51,799			$	48,375
Trust fees			26,049				24,574				22,753				50,623				40,775
Bank card and ATM fees			23,181				22,126				22,004				45,307				42,718
Investment and annuity fees and insurance commissions			14,617				12,572				10,603				27,189				22,018
Secondary mortgage market operations			4,065				3,529				4,147				7,594				7,615
Securities transactions, net			—				(98,595	)			—				(98,595	)			—
Other income			14,541				17,374				14,761				31,915				31,814
Total noninterest income		$	108,350			$	7,482			$	98,524			$	115,832			$	193,315
NONINTEREST EXPENSE
Personnel expense		$	130,191			$	127,148			$	116,512			$	257,339			$	230,859
Net occupancy and equipment expense			18,267				17,286				18,366				35,553				36,037
Other real estate and foreclosed assets expense (income), net			214				441				1,181				655				2,961
Other expense			74,542				73,325				77,396				147,867				146,544
Amortization of intangibles			2,222				2,548				2,524				4,770				4,637
Total noninterest expense		$	225,436			$	220,748			$	215,979			$	446,184			$	421,038
COMMON SHARE DATA
Earnings per share:
Basic		$	1.56			$	0.58			$	1.32			$	2.14			$	2.70
Diluted			1.55				0.57				1.32				2.12				2.69
(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.

9

HANCOCK WHITNEY CORPORATION
INCOME STATEMENT
(Unaudited)
		Three Months Ended
(dollars in thousands, except per share data)		6/30/2026				3/31/2026				12/31/2025				9/30/2025				6/30/2025
NET INCOME
Interest income		$	412,887			$	401,382			$	407,698			$	409,020			$	402,581
Interest income (TE) (f)			415,100				403,783				410,203				411,591				405,077
Interest expense			119,875				116,217				125,528				129,282				125,622
Net interest income (TE)			295,225				287,566				284,675				282,309				279,455
Provision for credit losses			13,775				13,172				13,145				12,651				14,925
Noninterest income			108,350				7,482				107,131				106,001				98,524
Noninterest expense			225,436				220,748				217,850				212,753				215,979
Income before income taxes			162,151				58,727				158,306				160,335				144,579
Income tax expense			35,190				11,305				32,734				32,869				31,048
Net income		$	126,961			$	47,422			$	125,572			$	127,466			$	113,531
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		$	25,897			$	25,902			$	25,585			$	25,220			$	24,256
Trust fees			26,049				24,574				24,644				24,211				22,753
Bank card and ATM fees			23,181				22,126				21,603				21,814				22,004
Investment and annuity fees and insurance commissions			14,617				12,572				12,637				14,507				10,603
Secondary mortgage market operations			4,065				3,529				3,679				3,475				4,147
Securities transactions, net			—				(98,595	)			(11	)			—				—
Other income			14,541				17,374				18,994				16,774				14,761
Total noninterest income		$	108,350			$	7,482			$	107,131			$	106,001			$	98,524
NONINTEREST EXPENSE
Personnel expense		$	130,191			$	127,148			$	122,510			$	122,022			$	116,512
Net occupancy and equipment expense			18,267				17,286				18,632				18,222				18,366
Other real estate and foreclosed assets expense (income), net			214				441				467				(337	)			1,181
Other expense			74,542				73,325				73,619				70,152				77,396
Amortization of intangibles			2,222				2,548				2,622				2,694				2,524
Total noninterest expense		$	225,436			$	220,748			$	217,850			$	212,753			$	215,979
COMMON SHARE DATA
Earnings per share:
Basic		$	1.56			$	0.58			$	1.51			$	1.50			$	1.32
Diluted			1.55				0.57				1.49				1.49				1.32
(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.

10

HANCOCK WHITNEY CORPORATION
PERIOD-END BALANCE SHEET
(Unaudited)
(dollars in thousands)		6/30/2026				3/31/2026				12/31/2025				9/30/2025				6/30/2025
ASSETS
Commercial non-real estate loans		$	9,961,458			$	9,710,891			$	9,809,011			$	9,680,597			$	9,760,733
Commercial real estate - owner occupied loans			3,353,501				3,299,867				3,270,080				3,279,258				3,136,182
Total commercial and industrial loans			13,314,959				13,010,758				13,079,091				12,959,855				12,896,915
Commercial real estate - income producing loans			4,602,813				4,382,665				4,283,168				4,076,643				3,940,309
Construction and land development loans			1,405,454				1,320,224				1,239,086				1,197,305				1,219,514
Residential mortgage loans			3,909,076				3,950,154				4,016,917				4,027,600				4,057,307
Consumer loans			1,347,871				1,328,039				1,340,178				1,335,162				1,347,705
Total loans			24,580,173				23,991,840				23,958,440				23,596,565				23,461,750
Loans held for sale			52,850				63,090				33,158				33,161				30,760
Securities			7,891,359				8,028,014				8,094,799				7,991,281				7,868,011
Short-term investments			515,082				223,706				132,266				911,313				604,609
Earning assets			33,039,464				32,306,650				32,218,663				32,532,320				31,965,130
Allowance for loan losses			(312,608	)			(311,316	)			(307,731	)			(313,636	)			(313,189	)
Goodwill and other intangible assets			987,704				989,927				992,474				995,096				997,790
Other assets			2,631,412				2,556,865				2,569,356				2,552,627				2,562,921
Total assets		$	36,345,972			$	35,542,126			$	35,472,762			$	35,766,407			$	35,212,652
LIABILITIES
Noninterest-bearing deposits		$	10,336,866			$	10,344,878			$	10,374,991			$	10,305,303			$	10,638,785
Interest-bearing transaction and savings deposits			13,028,481				12,243,460				11,982,294				11,758,885				11,480,849
Interest-bearing public fund deposits			2,880,337				2,937,281				3,217,314				2,799,957				2,985,985
Time deposits			3,384,076				3,556,515				3,705,175				3,795,605				3,940,993
Total interest-bearing deposits			19,292,894				18,737,256				18,904,783				18,354,447				18,407,827
Total deposits			29,629,760				29,082,134				29,279,774				28,659,750				29,046,612
Short-term borrowings			1,570,970				1,360,451				1,017,292				1,891,520				1,044,927
Long-term debt			193,823				193,785				199,407				210,657				210,620
Other liabilities			507,285				486,164				516,172				530,001				545,074
Total liabilities			31,901,838				31,122,534				31,012,645				31,291,928				30,847,233
COMMON STOCKHOLDERS' EQUITY
Common stock net of treasury and capital surplus			1,662,041				1,703,176				1,800,732				1,943,187				1,976,208
Retained earnings			3,127,514				3,041,543				3,035,636				2,947,752				2,859,038
Accumulated other comprehensive (loss)			(345,421	)			(325,127	)			(376,251	)			(416,460	)			(469,827	)
Total common stockholders' equity			4,444,134				4,419,592				4,460,117				4,474,479				4,365,419
Total liabilities & stockholders' equity		$	36,345,972			$	35,542,126			$	35,472,762			$	35,766,407			$	35,212,652
CAPITAL RATIOS
Tangible common equity		$	3,456,430			$	3,429,665			$	3,467,643			$	3,479,383			$	3,367,629
Tier 1 capital (g)			3,831,065				3,784,008				3,872,490				3,923,725				3,864,727
Common equity as a percentage of total assets			12.23	%			12.43	%			12.57	%			12.51	%			12.40	%
Tangible common equity ratio			9.78	%			9.93	%			10.06	%			10.01	%			9.84	%
Leverage (Tier 1) ratio (g)			10.87	%			10.89	%			11.17	%			11.46	%			11.35	%
Common equity tier 1 (CET1) ratio (g)			13.18	%			13.29	%			13.65	%			14.09	%			13.97	%
Tier 1 risk-based capital ratio (g)			13.18	%			13.29	%			13.65	%			14.09	%			13.97	%
Total risk-based capital ratio (g)			14.97	%			15.10	%			15.45	%			15.92	%			15.82	%
(g) Estimated for most recent period-end.

11

HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE SHEET
(Unaudited)
		Three Months Ended												Six Months Ended
(dollars in thousands)		6/30/2026				3/31/2026				6/30/2025				6/30/2026				6/30/2025
ASSETS
Commercial non-real estate loans		$	9,919,413			$	9,800,605			$	9,687,575			$	9,860,337			$	9,659,887
Commercial real estate - owner occupied loans			3,333,521				3,305,311				3,040,258				3,319,512				3,018,547
Total commercial and industrial loans			13,252,934				13,105,916				12,727,833				13,179,849				12,678,434
Commercial real estate - income producing loans			4,454,250				4,280,671				3,879,443				4,367,922				3,858,065
Construction and land development loans			1,377,917				1,264,810				1,225,418				1,321,676				1,249,217
Residential mortgage loans			3,921,837				3,982,502				4,081,987				3,952,002				4,031,120
Consumer loans			1,332,966				1,332,094				1,334,560				1,332,532				1,342,570
Total loans			24,339,904				23,965,993				23,249,241				24,153,981				23,159,406
Loans held for sale			47,992				27,698				24,423				37,901				22,488
Securities (h)			8,285,594				8,265,682				8,271,777				8,275,693				8,256,729
Short-term investments			532,357				439,464				535,699				486,167				614,047
Earning assets			33,205,847				32,698,837				32,081,140				32,953,742				32,052,670
Allowance for loan losses			(317,199	)			(311,173	)			(323,273	)			(314,203	)			(322,993	)
Goodwill and other intangible assets			988,701				991,166				961,675				989,927				925,832
Other assets			2,004,188				2,041,266				1,807,734				2,022,625				1,786,361
Total assets		$	35,881,537			$	35,420,096			$	34,527,276			$	35,652,091			$	34,441,870
LIABILITIES AND COMMON STOCKHOLDERS' EQUITY
Noninterest-bearing deposits		$	10,104,015			$	10,033,006			$	10,317,446			$	10,068,707			$	10,240,760
Interest-bearing transaction and savings deposits			12,389,544				12,032,719				11,341,852				12,212,117				11,272,505
Interest-bearing public fund deposits			2,850,910				3,121,136				2,946,187				2,985,276				3,029,610
Time deposits			3,436,468				3,647,886				4,044,415				3,541,593				4,158,000
Total interest-bearing deposits			18,676,922				18,801,741				18,332,454				18,738,986				18,460,115
Total deposits			28,780,937				28,834,747				28,649,900				28,807,693				28,700,875
Short-term borrowings			1,982,071				1,428,150				853,652				1,706,641				745,329
Long-term debt			193,804				198,043				211,145				195,912				210,856
Other liabilities			503,888				497,329				528,300				500,627				550,983
Common stockholders' equity			4,420,837				4,461,827				4,284,279				4,441,218				4,233,827
Total liabilities & stockholders' equity		$	35,881,537			$	35,420,096			$	34,527,276			$	35,652,091			$	34,441,870
(h) Average securities does not include unrealized holding gains/losses on available for sale securities.

12

HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)
		Three Months Ended
		6/30/2026												3/31/2026												6/30/2025
(dollars in millions)		Average  Balance				Interest				Rate				Average   Balance				Interest				Rate				Average  Balance				Interest				Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i)		$	19,085.1			$	276.8				5.82	%		$	18,651.4			$	268.8				5.84	%		$	17,832.7			$	271.1				6.10	%
Residential mortgage loans			3,921.8				39.2				4.00	%			3,982.5				40.1				4.03	%			4,082.0				41.6				4.07	%
Consumer loans			1,333.0				25.1				7.54	%			1,332.1				24.9				7.57	%			1,334.5				27.8				8.34	%
Loan fees & late charges			—				(0.8	)			0.00	%			—				(1.0	)			0.00	%			—				(0.6	)			0.00	%
Total loans (TE) (j)			24,339.9				340.3				5.60	%			23,966.0				332.8				5.62	%			23,249.2				339.9				5.86	%
Loans held for sale			48.0				0.7				6.22	%			27.7				0.4				5.36	%			24.4				0.4				6.55	%
US Treasury and government agency securities			647.3				5.3				3.29	%			643.7				5.2				3.23	%			628.9				5.0				3.16	%
CMOs and mortgage backed securities			7,065.2				59.2				3.35	%			6,945.1				56.2				3.24	%			6,864.2				48.4				2.82	%
Municipals (TE)			554.3				4.6				3.33	%			659.9				5.2				3.13	%			761.2				5.6				2.95	%
Other securities			18.8				0.2				4.40	%			17.0				0.2				4.11	%			17.5				0.1				3.69	%
Total securities (TE) (k)			8,285.6				69.3				3.35	%			8,265.7				66.8				3.23	%			8,271.8				59.1				2.86	%
Total short-term investments			532.3				4.8				3.58	%			439.4				3.8				3.53	%			535.7				5.7				4.28	%
Average earning assets yield (TE)		$	33,205.8			$	415.1				5.01	%		$	32,698.8			$	403.8				4.99	%		$	32,081.1			$	405.1				5.06	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits		$	12,389.5			$	57.8				1.87	%		$	12,032.7			$	54.4				1.83	%		$	11,341.9			$	59.7				2.11	%
Time deposits			3,436.5				26.5				3.09	%			3,647.9				30.0				3.34	%			4,044.4				35.9				3.57	%
Public funds			2,850.9				18.3				2.57	%			3,121.1				20.0				2.60	%			2,946.2				22.1				3.01	%
Total interest-bearing deposits			18,676.9				102.6				2.20	%			18,801.7				104.4				2.25	%			18,332.5				117.7				2.58	%
Short-term borrowings			1,982.1				14.5				2.94	%			1,428.2				8.9				2.52	%			853.7				4.9				2.29	%
Long-term debt			193.8				2.8				5.79	%			198.0				2.9				5.82	%			211.1				3.0				5.67	%
Total borrowings			2,175.9				17.3				3.19	%			1,626.2				11.8				2.93	%			1,064.8				7.9				2.96	%
Total interest-bearing liabilities cost			20,852.8				119.9				2.31	%			20,427.9				116.2				2.31	%			19,397.3				125.6				2.60	%
Net interest-free funding sources			12,353.0												12,270.9												12,683.8
Total cost of funds			33,205.8				119.9				1.45	%			32,698.8				116.2				1.44	%			32,081.1				125.6				1.57	%
Net Interest Spread (TE)						$	295.2				2.70	%						$	287.6				2.68	%						$	279.5				2.46	%
Net Interest Margin (TE)		$	33,205.8			$	295.2				3.56	%		$	32,698.8			$	287.6				3.55	%		$	32,081.1			$	279.5				3.49	%
(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.

13

HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)
		Six Months Ended
		6/30/2026												6/30/2025
(dollars in millions)		Average  Balance				Interest				Rate				Average  Balance				Interest				Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i)		$	18,869.5			$	545.6				5.83	%		$	17,785.7			$	538.1				6.10	%
Residential mortgage loans			3,952.0				79.3				4.01	%			4,031.1				80.3				3.98	%
Consumer loans			1,332.5				50.0				7.55	%			1,342.6				55.4				8.31	%
Loan fees & late charges			—				(1.8	)			0.00	%			—				(0.8	)			0.00	%
Total loans (TE) (j)			24,154.0				673.1				5.61	%			23,159.4				673.0				5.85	%
Loans held for sale			37.9				1.1				5.90	%			22.5				0.7				6.62	%
US Treasury and government agency securities			645.5				10.5				3.26	%			608.9				9.4				3.08	%
CMOs and mortgage backed securities			7,005.5				115.4				3.30	%			6,848.1				95.1				2.78	%
Municipals (TE)			606.8				9.8				3.22	%			781.9				11.6				2.95	%
Other securities			17.9				0.4				4.26	%			17.8				0.3				3.66	%
Total securities (TE) (k)			8,275.7				136.1				3.29	%			8,256.7				116.4				2.82	%
Total short-term investments			486.1				8.6				3.56	%			614.1				13.1				4.30	%
Average earning assets yield (TE)		$	32,953.7			$	818.9				5.00	%		$	32,052.7			$	803.2				5.04	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits		$	12,212.1			$	112.2				1.85	%		$	11,272.5			$	117.0				2.09	%
Time deposits			3,541.6				56.5				3.22	%			4,158.0				75.9				3.68	%
Public funds			2,985.3				38.3				2.59	%			3,029.6				45.3				3.02	%
Total interest-bearing deposits			18,739.0				207.0				2.23	%			18,460.1				238.2				2.60	%
Short-term borrowings			1,706.6				23.4				2.76	%			745.3				6.7				1.82	%
Long-term debt			195.9				5.7				5.81	%			210.9				6.1				5.74	%
Total borrowings			1,902.5				29.1				3.08	%			956.2				12.8				2.68	%
Total interest-bearing liabilities cost			20,641.5				236.1				2.31	%			19,416.3				251.0				2.61	%
Net interest-free funding sources			12,312.2												12,636.4
Total cost of funds			32,953.7				236.1				1.44	%			32,052.7				251.0				1.58	%
Net Interest Spread (TE)						$	582.8				2.69	%						$	552.2				2.43	%
Net Interest Margin (TE)		$	32,953.7			$	582.8				3.55	%		$	32,052.7			$	552.2				3.46	%
(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.

14

HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)
		Three Months Ended												Six Months Ended
(dollars in thousands)		6/30/2026				3/31/2026				6/30/2025				6/30/2026				6/30/2025
Nonaccrual loans (l)		$	113,681			$	113,343			$	94,922			$	113,681			$	94,922
ORE and foreclosed assets			12,858				11,257				26,847				12,858				26,847
Total nonaccrual loans + ORE and foreclosed assets		$	126,539			$	124,600			$	121,769			$	126,539			$	121,769
Nonaccrual loans as a percentage of loans			0.46	%			0.47	%			0.40	%			0.46	%			0.40	%
Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets			0.51	%			0.52	%			0.52	%			0.51	%			0.52	%
Accruing loans 90 days past due		$	27,753			$	29,885			$	58,702			$	27,753			$	58,702
Accruing loans 90 days past due as a percentage of loans			0.11	%			0.12	%			0.25	%			0.11	%			0.25	%
Modified loans - still accruing		$	142,898			$	128,480			$	62,234			$	142,898			$	62,234
Modified loans - still accruing as a % of loans			0.58	%			0.54	%			0.27	%			0.58	%			0.27	%
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses:
Beginning balance		$	311,316			$	307,731			$	318,119			$	307,731			$	318,882
Provision for loan losses			10,735				14,721				12,856				25,456				22,340
Charge-offs			(12,181	)			(13,393	)			(22,328	)			(25,574	)			(35,621	)
Recoveries			2,738				2,257				4,542				4,995				7,588
Net charge-offs			(9,443	)			(11,136	)			(17,786	)			(20,579	)			(28,033	)
Ending Balance		$	312,608			$	311,316			$	313,189			$	312,608			$	313,189
Reserve for unfunded lending commitments:
Beginning balance		$	32,379			$	33,928			$	25,031			$	33,928			$	24,053
Provision for losses on unfunded lending commitments			3,040				(1,549	)			2,069				1,491				3,047
Ending balance		$	35,419			$	32,379			$	27,100			$	35,419			$	27,100
Total allowance for credit losses		$	348,027			$	343,695			$	340,289			$	348,027			$	340,289
Total provision for credit losses		$	13,775			$	13,172			$	14,925			$	26,947			$	25,387
Allowance for loan losses as a percentage of period-end loans			1.27	%			1.30	%			1.33	%			1.27	%			1.33	%
Allowance for credit losses as a percentage of period-end loans			1.42	%			1.43	%			1.45	%			1.42	%			1.45	%
Allowance for loan losses as a % of nonaccrual loans			274.99	%			274.67	%			329.94	%			274.99	%			329.94	%
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries):
Commercial & real estate loans		$	6,628			$	7,464			$	14,704			$	14,092			$	21,764
Residential mortgage loans			149				179				196				328				(24	)
Consumer loans			2,666				3,493				2,886				6,159				6,293
Total net charge-offs		$	9,443			$	11,136			$	17,786			$	20,579			$	28,033
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans			0.14	%			0.16	%			0.33	%			0.15	%			0.25	%
Residential mortgage loans			0.02	%			0.02	%			0.02	%			0.02	%			(0.00	)%
Consumer loans			0.80	%			1.06	%			0.87	%			0.93	%			0.95	%
Total net charge-offs as a percentage of average loans			0.16	%			0.19	%			0.31	%			0.17	%			0.24	%
AVERAGE LOANS
Commercial & real estate loans		$	19,085,101			$	18,651,397			$	17,832,694			$	18,869,447			$	17,785,716
Residential mortgage loans			3,921,837				3,982,502				4,081,987				3,952,002				4,031,120
Consumer loans			1,332,966				1,332,094				1,334,560				1,332,532				1,342,570
Total average loans		$	24,339,904			$	23,965,993			$	23,249,241			$	24,153,981			$	23,159,406
(l) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $11.4 million at June 30, 2026, $6.9 million at March 31, 2026, and $13.1 million at June 30, 2025.

15

HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)
		Three Months Ended
(dollars in thousands)		6/30/2026				3/31/2026				12/31/2025				9/30/2025				6/30/2025
Nonaccrual loans (l)		$	113,681			$	113,343			$	106,870			$	113,554			$	94,922
ORE and foreclosed assets			12,858				11,257				14,788				11,140				26,847
Total nonaccrual loans + ORE and foreclosed assets		$	126,539			$	124,600			$	121,658			$	124,694			$	121,769
Nonaccrual loans as a percentage of loans			0.46	%			0.47	%			0.45	%			0.48	%			0.40	%
Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets			0.51	%			0.52	%			0.51	%			0.53	%			0.52	%
Accruing loans 90 days past due		$	27,753			$	29,885			$	28,798			$	24,576			$	58,702
Accruing loans 90 days past due as a percentage of loans			0.11	%			0.12	%			0.12	%			0.10	%			0.25	%
Modified loans - still accruing		$	142,898			$	128,480			$	124,527			$	82,218			$	62,234
Modified loans - still accruing as a % of loans			0.58	%			0.54	%			0.52	%			0.35	%			0.27	%
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses:
Beginning balance		$	311,316			$	307,731			$	313,636			$	313,189			$	318,119
Provision for loan losses			10,735				14,721				7,091				11,877				12,856
Charge-offs			(12,181	)			(13,393	)			(17,109	)			(15,736	)			(22,328	)
Recoveries			2,738				2,257				4,113				4,306				4,542
Net charge-offs			(9,443	)			(11,136	)			(12,996	)			(11,430	)			(17,786	)
Ending Balance		$	312,608			$	311,316			$	307,731			$	313,636			$	313,189
Reserve for unfunded lending commitments:
Beginning balance		$	32,379			$	33,928			$	27,874			$	27,100			$	25,031
Provision for losses on unfunded lending commitments			3,040				(1,549	)			6,054				774				2,069
Ending balance		$	35,419			$	32,379			$	33,928			$	27,874			$	27,100
Total allowance for credit losses		$	348,027			$	343,695			$	341,659			$	341,510			$	340,289
Total provision for credit losses		$	13,775			$	13,172			$	13,145			$	12,651			$	14,925
Allowance for loan losses as a percentage of period-end loans			1.27	%			1.30	%			1.28	%			1.33	%			1.33	%
Allowance for credit losses as a percentage of period-end loans			1.42	%			1.43	%			1.43	%			1.45	%			1.45	%
Allowance for loan losses as a % of nonaccrual loans			274.99	%			274.67	%			287.95	%			276.20	%			329.94	%
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries)
Commercial & real estate loans		$	6,628			$	7,464			$	10,112			$	7,472			$	14,704
Residential mortgage loans			149				179				(76	)			181				196
Consumer loans			2,666				3,493				2,960				3,777				2,886
Total net charge-offs		$	9,443			$	11,136			$	12,996			$	11,430			$	17,786
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans			0.14	%			0.16	%			0.22	%			0.16	%			0.33	%
Residential mortgage loans			0.02	%			0.02	%			(0.01	)%			0.02	%			0.02	%
Consumer loans			0.80	%			1.06	%			0.88	%			1.12	%			0.87	%
Total net charge-offs as a percentage of average loans:			0.16	%			0.19	%			0.22	%			0.19	%			0.31	%
AVERAGE LOANS
Commercial & real estate loans		$	19,085,101			$	18,651,397			$	18,376,179			$	18,041,177			$	17,832,694
Residential mortgage loans			3,921,837				3,982,502				4,011,469				4,052,310				4,081,987
Consumer loans			1,332,966				1,332,094				1,328,115				1,332,408				1,334,560
Total average loans		$	24,339,904			$	23,965,993			$	23,715,763			$	23,425,895			$	23,249,241
(l) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $11.4 million at June 30, 2026, $6.9 million at March 31, 2026, $5.8 million at December 31, 2025, $9.3 million at September 30, 2025, and $13.1 million at June 30, 2025.

16

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																				Six Months Ended
(dollars in thousands)	6/30/2026				3/31/2026				12/31/2025				9/30/2025				6/30/2025				6/30/2026			6/30/2025
Net Income (GAAP)	$	126,961			$	47,422			$	125,572			$	127,466			$	113,531			$	174,383		$	233,035
Provision for credit losses		13,775				13,172				13,145				12,651				14,925				26,947			25,387
Income tax expense		35,190				11,305				32,734				32,869				31,048				46,495			60,719
Pre-provision net revenue		175,926				71,899				171,451				172,986				159,504				247,825			319,141
Taxable equivalent adjustment (m)		2,213				2,401				2,505				2,571				2,496				4,614			5,302
Pre-provision net revenue (TE)		178,139				74,300				173,956				175,557				162,000				252,439			324,443
Adjustments from supplemental disclosure items
Loss on securities portfolio restructure		—				98,595				—				—				—				98,595			—
Sabal Trust Company acquisition expense		—				—				—				—				5,911				—			5,911
Adjusted pre-provision net revenue (TE)	$	178,139			$	172,895			$	173,956			$	175,557			$	167,911			$	351,034		$	330,354
REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO
	Three Months Ended																				Six Months Ended
(dollars in thousands)	6/30/2026				3/31/2026				12/31/2025				9/30/2025				6/30/2025				6/30/2026			6/30/2025
Net interest income	$	293,012			$	285,165			$	282,170			$	279,738			$	276,959			$	578,177		$	546,864
Noninterest income		108,350				7,482				107,131				106,001				98,524				115,832			193,315
Total GAAP revenue		401,362				292,647				389,301				385,739				375,483				694,009			740,179
Taxable equivalent adjustment (m)		2,213				2,401				2,505				2,571				2,496				4,614			5,302
Total revenue (TE)	$	403,575			$	295,048			$	391,806			$	388,310			$	377,979				698,623			745,481
Adjustments from supplemental disclosure items
Loss on securities portfolio restructure		—				98,595				—				—				—				98,595			—
Adjusted total revenue (TE)	$	403,575			$	393,643			$	391,806			$	388,310			$	377,979			$	797,218		$	745,481
GAAP Noninterest expense	$	225,436			$	220,748			$	217,850			$	212,753			$	215,979			$	446,184		$	421,038
Amortization of intangibles		(2,222	)			(2,548	)			(2,622	)			(2,694	)			(2,524	)			(4,770	)		(4,637	)
Adjustments from supplemental disclosure items
Sabal Trust Company acquisition expense		—				—				—				—				(5,911	)			—			(5,911	)
Adjusted noninterest expense for efficiency	$	223,214			$	218,200			$	215,228			$	210,059			$	207,544			$	441,414		$	410,490
Efficiency ratio (n)		55.31	%			55.43	%			54.93	%			54.10	%			54.91	%			55.37	%		55.06	%
(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.

17

Second Quarter 2026Earnings Conference Call 7/21/2026 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 timing, benefits, costs and synergies of the merger with One Florida Bank, as well as statements regarding the potential impact of current or future business combinations on our performance and financial condition, including our ability to successfully identify acquisition targets and 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 P/TBVPS – Price per tangible book value per share P/2026E Core EPS – Price per 2026 estimate core earnings per share 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 TBV – Tangible book value 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 June 30, 2026 (Healthcare) (ABL) (Operations) (Trust) $36.3 billion in Total Assets $24.6 billion in Total Loans $29.6 billion in Total Deposits 13.18% CET1 Ratio* 9.78% TCE Ratio $6.0 billion in Market Cap Baa2 Moody’s Long-term issuer rating; stable outlook BBB S&P Long-term issuer rating; positive outlook 182 banking locations Approximately 3,700 (FTE) employees corporate-wide 226 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 Proven ability to proactively manage expenses Technology investments improve client experience and enhance efficiencies Exceptional, dedicated, committed team of associates

OFB 6/30/26 Results Required Approvals and Expected Closing Personnel Projected Financial Results One Florida Bank Transaction Overview Total consideration of $377.6 million cash for all outstanding common shares and options P / TBVPS= 200% P / 2026E Core EPS = 14.4x Franchise premium / core deposits = 11.8% Transaction Consideration & Valuation Rick Pullum, One Florida Bank President and CEO, to lead the Orlando, Jacksonville, and Florida Panhandle markets Retention agreements in place for other key employees Obtained required regulatory approvals and OFB Bancshares, Inc. shareholder approval August 1 expected closing Loans of $1.7 billion  Deposits of $1.8 billion Pre-tax operating earnings of $16.7 million for 1H26 Transaction Assumptions Cost Savings: 40%, or $15.8 million, phased in at 100% in 2027 One-time Merger Expenses: $30 million pre-tax Gross Credit Mark: 1.47%, or $24.6 million, resulting in a net credit mark of $11.1 million; no CECL double count Loan Rate Mark: 1.0% mark down on loans Core Deposit Intangible: 3.0% of non-time deposits Revenue synergies are expected, but not modeled TBV earnback of approximately four years; consistent with stock buyback EPS accretion in the high single digits CET-1 ratio at close of 11.4% and TCE of 8.6%

Second Quarter 2026 Highlights Net income totaled $127.0 million, or $1.55 per diluted share, compared to $47.4 million, or $0.57 per diluted share in 1Q26 There were no supplemental disclosure items in 2Q26; 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 Adjusted Pre-Provision Net Revenue (PPNR)* totaled $178.1 million, up $5.2 million, or 3% from the prior quarter Loans increased $588 million, or 10% LQA (Slide 9) Deposits increased $548 million, or 8% LQA (Slide 11) Criticized commercial loans decreased and nonaccrual loans were virtually flat (Slide 12) ACL coverage solid at 1.42% (Slide 13) NIM of 3.56%, up 1 bp from the prior quarter (Slide 15) CET1 ratio estimated at 13.18%, down 11 bps linked-quarter; TCE ratio at 9.78%, down 15 bps linked-quarter; total risk-based capital estimated at 14.97%, down 13 bps linked-quarter (Slide 19) Efficiency ratio* of 55.31%, compared to 55.43% in the prior quarter *Non-GAAP measure: See appendix for non-GAAP reconciliation **Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings ($s in millions; except per share data) 2Q26 1Q26 2Q25 Net income $127.0 $47.4 $113.5 Provision for credit losses $13.8 $13.2 $14.9 Supplemental disclosure items --- $98.6 $5.9 Earnings per share – diluted (EPS) $1.55 $0.57 $1.32 Adjusted EPS* $1.55 $1.52 $1.37 Return on Assets (%) (ROA) 1.42 0.54 1.32 Adjusted ROA (%)* 1.42 1.43 1.37 Return on Tangible Common Equity (%) (ROTCE) 14.84 5.54 13.71 Adjusted ROTCE (%)* 14.84 14.64 14.27 Net Interest Margin (TE) (%) 3.56 3.55 3.49 Net Charge-offs (%) 0.16 0.19 0.31 CET1 Ratio (%)** 13.18 13.29 13.97 Tangible Common Equity (%) 9.78 9.93 9.84 Adjusted Pre-Provision Net Revenue (TE)* $178.1 $172.9 $167.9 Efficiency Ratio (%)* 55.31 55.43 54.91

Loan Growth Driven By Seasonally Strong Production Bar Chart Loans totaled $24.6 billion, up $588 million, or 10% LQA Growth driven primarily by an increase in C&I lending, Healthcare and Commercial Real Estate across multiple products 2Q26 originations of $1.5 billion and seasonally higher net credit line activity of $0.4 billion were partially offset by prepayments of $0.8 billion and scheduled payments / maturities of $0.5 billion Line utilization of 41.1%, compared to 40.7% in the prior quarter For 2026, we expect year-over-year mid-single digit EOP loan growth, excluding OFB

Loan Portfolio Composition Diversified and De-Risked Total Loans Outstanding % of Total Loans Commitment ($s in millions) Commercial non-RE (C&I) $7,677 31.2% $ 13,797 CRE – owner 2,793 11.4% 2,945 ICRE 4,030 16.4% 4,181 C&D 1,164 4.7% 2,464 Healthcare (1) 1,995 8.1% 2,379 Equipment Finance 1,486 6.1% 1,486 Energy 178 0.7% 281 Total Commercial $19,323 78.6% $27,533 Mortgage 3,909 15.9% 3,909 Consumer 1,348 5.5% 3,320 Total Loans $24,580 100.0% $34,762         For Information Purposes Only (included in categories above)       Retail (C&I and CRE) $2,183 8.9% $2,526 Hospitality (C&I and CRE) $1,386 5.6% $1,591 Office – ICRE $727 3.0% $746 Office – owner $911 3.7% $955 Multifamily – ICRE $1,257 5.1% $1,271 Multifamily – C&D $447 1.8% $1,125 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 $2.4 billion at 6/30/26, 9.6% of total loans, up from $2.1 billion, or 8.8% of loans, at 3/31/26 For additional details on ICRE loans, refer to slide 24 in the appendix As of June 30, 2026 (1) $667 million of healthcare loans outstanding are C&I, $514 million are CRE-Owner, $572 million are ICRE, and $242 million are C&D

Strong Deposit Growth Linked Quarter Total deposits of $29.6 billion, up $548 million, or 8% LQA Noninterest-bearing DDA, virtually flat linked-quarter DDA as a % of total deposits was 35% in 2Q26, compared to 36% in 1Q26 Increase of $786 million in interest-bearing transaction and savings due to competitive products and pricing Decrease in interest-bearing public funds of $57 million driven by seasonal outflows Retail time deposits decreased $173 million driven by maturities and repricing For additional details on deposit composition refer to slide 27 EOP Deposits Mix ($) EOP Deposits Mix (%) $ in millions % of Total Deposits

Continued Resilient Asset Quality Criticized commercial loans totaled $492 million, or 2.55% of total commercial loans, at June 30, 2026, down $30 million from $522 million, or 2.79% of total commercial loans, in the prior quarter Nonaccrual loans totaled $114 million, or 0.46% of total loans, at June 30, 2026, compared to $113 million, or 0.47% 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 $23,462 $23,597 $23,958 $23,992 $24,580 Total Commercial Loans 18,057 18,234 18,601 18,714 19,323 Criticized Commercial Loans 569 549 535 522 492 Nonaccrual Loans 95 114 107 113 114 3.15% 0.40% $ in millions 3.01% 0.48% 2.88% 0.45% 2.55% 0.46% 2.79% 0.47%

Maintained Solid Reserves Provision for the second quarter of 2026 of $13.8 million, reflects $9.4 million of net charge-offs and a reserve build of $4.4 million Quarter-end reserve coverage solid at 1.42% Weighting applied to Moody’s June 2026 economic scenarios was 50% Baseline and 50% slower growth (S2), compared to a 40% Baseline and 60% S2 weighting in the first quarter of 2026 Current-quarter forecasts better reflect the potential downside impacts of international conflict, and we determined that a return to the 50% Baseline / 50% S2 weighting was appropriate. Net Charge-offs Reserve Build / (Release) Total Provision  ($s in millions) 2Q26 1Q26 2Q26 1Q26 2Q26 1Q26 Commercial $6.6 $7.4 $4.0 $4.6 $10.6 $12.0 Mortgage 0.1 0.2 0.7 (1.3) 0.8 (1.1) Consumer 2.7 3.5 (0.3) (1.2) 2.4 2.3 Total $9.4 $11.1 $4.4 $2.1 $13.8 $13.2 Portfolio ($ in millions) 6/30/2026 3/31/2026 Amount % of Loan and Leases Outstanding Amount % of Loan and Leases Outstanding Commercial $247 1.28% $246 1.31% Mortgage 42 1.08% 41 1.05% Consumer 24 1.73% 24 1.79% Allowance for Loan and Lease Losses (ALLL) $313 1.27% $311 1.30% Reserve for Unfunded Lending Commitments 35 — 33 — Allowance for Credit Losses (ACL) $348 1.42% $344 1.43%

Portfolio Restructuring Drives Yield Increase Securities portfolio* totaled $8.3 billion at 6/30/2026, down $109 million linked-quarter 77% AFS, 23% HTM at 6/30/2026 $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 3.35%, up 12 bps primarily due to full quarter impact of portfolio restructure activity in January and partial reinvestments of monthly principal cash flow Premium amortization totaled $4.6 million, down $0.9 million linked-quarter Effective duration 4.1 at 6/30/2026, unchanged from prior quarter Net unrealized losses on securities portfolio impacted by Treasury yields: Bar chart,pie chart Net Unrealized Loss $ in millions 6/30/2026 3/31/2026 AFS ($335) ($311) HTM ($130) ($125) Total ($465) ($436) * Excluding unrealized losses and FV hedges adjustment

2Q26 NIM 3.56%, up 1 bp from 1Q26 NIM 3.55% for the month of June 2026 NII (TE) of $295.2 million, up $7.7 million, or 3%, compared to $287.6 million in the prior quarter Increase in NII primarily driven by a higher investment portfolio yield following the recent securities portfolio restructuring and lower cost of deposits, partially offset by an unfavorable borrowing mix Expect flat to modest NIM expansion in 2H26 Assumes a flat rate environment for 2H26 NIM Up 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 $24.6 billion at June 30, 2026 40% fixed, 60% variable (includes hybrid ARMs) 75% of variable loans tied to SOFR 22% of variable loans tied to Wall Street Journal Prime 3% of variable loans tied to other indices Approximately 4% ($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 26% ($3.5 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 2Q26, two additional cash flow hedges were executed Deposits Deposits totaled $29.6 billion at June 30, 2026 79% of deposits are MMDA (excludes PF), savings, or DDA Cycle-to-date Rate Betas Key IRR Metrics Historical Cycles Current Cycle Rates up (4Q15-2Q19) Rates Down (2Q19-4Q20) Rates Up (1Q22-2Q24) Rates Down (2Q24-2Q26) Total Deposit Betas 29% 31% 37% 32% IB Deposit Betas 44% 45% 58% 53% Loan Betas 48% 38% 49% 36%

Fee Income Growth Noninterest income totaled $108.4 million, up $100.9 million linked-quarter; 2Q26 noninterest income up $2.3 million, or 2%, compared to 1Q26 adjusted* noninterest income There were no supplemental disclosure items in 2Q26; 1Q26 included a $98.6 million net loss from bond portfolio restructuring in other noninterest income (supplemental disclosure item) Increase in investment and annuity income and insurance due to seasonally higher activity Increase in trust fees due to annual collection of tax preparation fees Decrease in other noninterest income related to lower syndication fees and SBIC income Noninterest Income Mix 2Q26 $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

Expense Growth Related to Merit Increases and New Hires Noninterest expense totaled $225.4 million, up $4.7 million, or 2% linked-quarter, from 1Q26 noninterest expense of $220.7 million Personnel expenses increased $3.0 million, or 2% linked-quarter, due to annual merit increases and impact of new hires   Hired 15 net new bankers in 2Q26; 42 net new bankers hired 1H26 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 2Q26 $s in millions

Capital Deployed Through Organic Growth and Buybacks CET1 ratio estimated at 13.18%, down 11 bps linked-quarter Leverage (Tier 1) ratio estimated at 10.87%, down 2 bps linked-quarter TCE ratio 9.78%, down 15 bps linked-quarter Total risk-based capital ratio estimated at 14.97%, down 13 bps linked-quarter 712,966 shares of company common stock repurchased during 2Q26 at an average price of $68.28 per share; 2 million shares remaining under existing 5% (approximately 4.1 million shares) 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 June 30, 2026* 9.78% 10.87% 13.18% 14.97% March 31, 2026 9.93% 10.89% 13.29% 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% CET1 Ratio 13.18% *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings TCE Ratio 9.78%

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) 2Q26 Actual ROA ≥ 1.50% 1.42% TCE 9.00 - 9.50% 9.78% ROTCE ≥ 15% 14.84% Efficiency Ratio(1) ≤ 55% 55.31% (1) Refer to appendix for non-GAAP reconciliations (2) Guidance based on flat rate environment 2H26 (3) Changed from prior quarter FY 2026 Outlook 2Q26 Actual Excluding OFB Including OFB (assumes August 1 close and excludes one-time acquisition costs) Loans (EOP), compared to 2025 EOP levels $24.6B Up mid single digits Up low double digits Deposits (EOP), compared to 2025 EOP levels $29.6B Up mid single digits(3) Up low double digits Net Interest Income (te)(2), compared to FY25 $295.2MM Up between 5.5% - 6.5%(3) Up between 8% - 9% Net Interest Margin (te)(2) 3.56% Flat to modest NIM expansion 2H26 Flat to modest NIM expansion 2H26 Net charge-offs 0.16% 0.15% - 0.25% 0.15% - 0.25% Adjusted Noninterest Income(1), compared to FY25 $108.4MM Up between 6% - 7%(3) Up between 6% - 7% Adjusted Noninterest Expense(1), compared to FY25 $225.4MM Up between 5.5% - 6.5%(3) Up between 7.5% - 8.5% Adjusted Pre-Provision, Net Revenue (PPNR)(1), compared to FY25 $178.1MM Up between 5.5% - 6.5%(3) Up between 7% - 8% Effective Tax Rate 21.7% Approximately 21.0% - 21.5%(3) Approximately 21.0% - 21.5% Efficiency Ratio(1) 55.31% Expect to maintain efficiency ratio below 55% Expect to maintain efficiency ratio below 55%

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

Change YTD 2026 YTD 2025 Change 2Q26 1Q26 2Q25 LQ Prior Year Y-o-Y           EOP Balance Sheet 24,580.2 23,991.8 23,461.7 588.4 1,118.5 Loans 24,580.2 23,461.7 1,118.5 7,891.4 8,028.0 7,868.0 (136.6) 23.4 Securities 7,891.4 7,868.0 23.4 33,039.5 32,306.7 31,965.1 732.8 1,074.4 Earning assets 33,039.5 31,965.1 1,074.4 36,346.0 35,542.1 35,212.7 803.9 1,133.3 Total assets 36,346.0 35,212.7 1,133.3                   29,629.8 29,082.1 29,046.6 547.7 583.2 Deposits 29,629.8 29,046.6 583.2 1,571.0 1,360.5 1,044.9 210.5 526.1 Short-term borrowings 1,571.0 1,044.9 526.1 31,901.9 31,122.5 30,847.3 779.4 1,054.6 Total liabilities 31,901.9 30,847.3 1,054.6 4,444.1 4,419.6 4,365.4 24.5 78.7 Stockholders' equity 4,444.1 4,365.4 78.7                       Avg Balance Sheet       24,339.9 23,966.0 23,249.2 373.9 1,090.7 Loans 24,154.0 23,159.4 994.6 8,285.6 8,265.7 8,271.8 19.9 13.8 Securities (1) 8,275.7 8,256.7 19.0 33,205.8 32,698.8 32,081.1 507.0 1,124.7 Average earning assets 32,953.7 32,052.7 901.0 35,881.5 35,420.1 34,527.3 461.4 1,354.2 Total assets 35,652.1 34,441.9 1,210.2                   28,780.9 28,834.7 28,649.9 (53.8) 131.0 Deposits 28,807.7 28,700.9 106.8 1,982.1 1,428.2 853.7 553.9 1,128.4 Short-term borrowings 1,706.6 745.3 961.3 31,460.7 30,958.3 30,243.0 502.4 1,217.7 Total liabilities 31,210.9 30,208.1 1,002.8 4,420.8 4,461.8 4,284.3 (41.0) 136.5 Stockholders' equity 4,441.2 4,233.8 207.4             5.60% 5.62% 5.86% -2 bps -26 bps Loan yield 5.61% 5.85% -24 bps 3.35% 3.23% 2.86% 12 bps 49 bps Securities yield 3.29% 2.82% 47 bps 2.20% 2.25% 2.58% -5 bps -38 bps Cost of IB deposits 2.23% 2.60% -37 bps 82.96% 82.50% 80.77% 46 bps 219 bps Loan/Deposit ratio - EOP 82.96% 80.77% 219 bps 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

Balance Sheet Summary 2Q25 3Q25 4Q25 1Q26 2Q26 Average Loans ($MM) 23,249 23,426 23,716 23,966 24,340 Average Total Securities* ($MM) 8,272 8,384 8,484 8,266 8,286 Average Deposits ($MM) 28,650 28,492 28,817 28,835 28,781 Loan Yield (TE) 5.86% 5.87% 5.75% 5.62% 5.60% Cost of Deposits 1.65% 1.64% 1.57% 1.47% 1.43% Tangible Common Equity Ratio 9.84% 10.01% 10.06% 9.93% 9.78% * 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 19% 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 36% 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) 89% of office-ICRE portfolio (by loan count) has exposure of $5 million or less 90% of office-ICRE exposure has some level of guarantor support (corporate, personal, or both) Multifamily – ICRE and C&D exposure diverse No rent stabilized properties Approximately 71% of multifamily exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) 99% of multifamily (ICRE and C&D) exposure has some level of guarantor support (corporate, personal, or both) Total Loans Outstanding % of Total Loans Commitment ($s in millions) Multifamily $1,257 5.1% $1,271 Retail 807 3.3% 830 Office 727 2.9% 746 Industrial 654 2.7% 744 Healthcare related properties 464 1.9% 496 Hospitality(1) 428 1.7% 428 Other 191 0.8% 196 Other land loans 59 0.2% 60 1-4 family residential construction 16 0.1% 16 Total ICRE Loans(2) $4,603 18.7% $4,787 As of June 30, 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 $6,295 $375 $849 $1,433 $965 $44 $9,961   $6,407 $3,554 CRE-Owner 1,151 123 298 608 1,159 15 3,354 1,136 2,218 CRE- income producing 3,320 117 365 555 243 3 4,603 3,292 1,311 Construction and land development 1,097 29 63 93 82 41 1,405 1,087 318 Total Commercial $11,863 $644 $1,575 $2,689 $2,449 $103 $19,323 $11,922 $7,401 Residential mortgages 51 146 127 316 1,316 1,953 3,909 1,612 2,297 Consumer 1,201 48 36 44 15 4 1,348 1,207 141 Total Loans $13,115 $838 $1,738 $3,049 $3,780 $2,060 $24,580 $14,741 $9,839                   % of Total 54% 3% 7% 13% 15% 8% 100% 60% 40% Weighted Average Rate 6.22% 5.21% 5.78% 5.64% 4.49% 4.73% 5.70% 5.94% 5.32% (1) Based on maturity date for fixed rate loans 87% of variable rate loans reprice in three months or less $1.0 billion of variable rate mortgages, or 7% of total variable rate loans, reprice in 5 to 15 years

Total Loan Rates and Yield Trends $ in millions Total Loan Rate(1) - Fixed 5.04% 5.17% 5.24% 5.28% 5.28% 5.32% Total Loan Rate(1) - Variable 6.60% 6.58% 6.52% 6.15% 6.00% 5.94% (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 35% at June 30, 2026 Uninsured deposits (adjusted for collateralized public funds) were 41.8% at June 30, 2026, compared to 39.2% at March 31, 2026 The Insured Cash Sweep (ICS) product is available to clients as a way to secure deposits above FDIC limits; balances at June 30, 2026 were $263 million, down from $327 million at March 31, 2026 Repurchase (Repo) agreements are another way for clients to secure deposits; balances at June 30, 2026 were $621 million, compared to $660 million at March 31, 2026 Consumer clients comprise 42% of total deposits (47% including wealth), while commercial clients comprise 42% There were no brokered time deposits at June 30, 2026 or March 31, 2026

Currently have approximately $20.5 billion in internal and external sources of liquidity if needed Approximately $18.5 billion in remaining net liquidity available at June 30, 2026 There were no brokered time deposits at June 30, 2026 or March 31, 2026 At June 30, 2026$ in millions TotalSources AmountUsed NetAvailability Internal Sources       Free Securities $4,567 $ — $4,467 External Sources FHLB* 6,826 1,993 4,833 FRB-DW 3,407 — 3,407 Brokered Deposits 4,445 — 4,445 Overnight Fed Funds LOCs 1,209 — 1,209 Total Available Sources of Funding $20,454 $1,993 $18,461 Strong Liquidity Position; Multiple Sources of Funding Available At June 30, 2026 $ in millions Cash and O/N $ 1,087 Cash and O/N as a % of Assets 3.0% Cash and O/N + Net Availability $ 19,548 Uninsured Deposits excl. PF Deposits $ 12,373 Cash and O/N + Net Availability to Adj. Uninsured deposits 157.99% * 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 YTD 2026 YTD 2025 Change 2Q26 1Q26 2Q25 LQ Prior Year Y-o-Y 295.2 287.6 279.5 7.6 15.7 Net interest income (TE) 582.8 552.2 30.6 13.8 13.2 14.9 0.6 (1.1) Provision for credit losses 26.9 25.4 1.5 108.4 7.5 98.5 100.9 9.8 Noninterest income 115.8 193.3 (77.5) 225.4 220.7 216.0 4.7 9.4 Noninterest expense 446.2 421.0 25.2 162.2 58.7 144.6 103.5 17.6 Income before income tax 220.9 293.8 (72.9) 35.2 11.3 31.0 23.9 4.2 Income tax expense 46.5 60.7 (14.2) 127.0 47.4 113.5 79.6 13.5 Net income 174.4 233.0 (58.6) 178.1 172.9 167.9 5.2 10.2 Adjusted PPNR (TE)* 351.0 330.4 20.6 127.0 47.4 113.5 79.6 13.5 Net income 174.4 233.0 (58.6) (0.3) (0.2) (0.5) (0.1) 0.2 Net Income allocated to participating securities (0.5) (1.0) 0.5 126.6 47.2 113.0 79.4 13.6 Net Income available to common shareholders 173.9 232.0 (58.1) 81.5 82.3 85.9 (0.8) (4.4) Weighted average common shares - diluted (millions) 81.9 86.2 (4.3) 1.55 0.57 1.32 0.98 0.23 EPS - diluted 2.12 2.69 (0.57) 3.56% 3.55% 3.49% 1 bps 7 bps NIM (TE) 3.55% 3.46% 9 bps 1.42% 0.54% 1.32% 88 bps 10 bps ROA 0.99% 1.36% -37 bps 11.52% 4.31% 10.63% 721 bps 89 bps ROE 7.92% 11.10% -318 bps 55.31% 55.43% 54.91% -12 bps 40 bps Efficiency ratio* 55.37% 55.06% 31 bps

Income Statement Summary (as Adjusted*) *Non-GAAP measure: see slides 32-34 for non-GAAP reconciliations   2Q25 3Q25 4Q25 1Q26 2Q26 Adjusted PPNR (TE)* ($000) 167,911 175,557 173,956 172,895 178,139 Net Interest Income (TE) ($000) 279,455 282,309 284,675 287,566 295,225 Net Interest Margin (TE) 3.49% 3.49% 3.48% 3.55% 3.56% Adjusted Noninterest Income* ($000) 98,524 106,001 107,131 106,077 108,350 Adjusted Noninterest Expense* ($000) 210,068 212,753 217,850 220,748 225,436 Efficiency Ratio* 54.91% 54.10% 54.93% 55.43% 55.31% 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 276 bps versus paying 1-month SOFR on $1.8 billion Two additional hedges were executed while no terminations were made during the second quarter of 2026 Total termination value on remaining active CF hedges is approximately ($23) million as of 6/30/2026 Future maturities of existing CF hedges range from July 2026 through November 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) No FV hedges were terminated in 2Q26; however, one FV hedge became effective on 3/1/2026 and provided full quarter impact during 2Q26 The $359 million of FV hedges reduced the duration (market price risk) from approximately 5.0 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 $27 million at 6/30/2026 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 Six Months Ended (in thousands) 2Q26 1Q26 4Q25 3Q25 2Q25 YTD 2026 YTD 2025 Net Income (GAAP) $126,961 $47,422 $125,572 $127,466 $113,531 $174,383 $233,035 Provision for credit losses 13,775 13,172 13,145 12,651 14,925 26,947 25,387 Income tax expense 35,190 11,305 32,734 32,869 31,048 46,495 60,719 Pre-provision net revenue 175,926 71,899 171,451 172,986 159,504 247,825 319,141 Taxable equivalent adjustment* 2,213 2,401 2,505 2,571 2,496 4,614 5,302 Pre-provision net revenue (TE)* 178,139 74,300 173,956 175,557 162,000 252,439 324,443 Adjustments from supplemental disclosure items               Loss on securities portfolio restructure — 98,595 — — — 98,595 — Sabal Trust Company acquisition expense — — — — 5,911 — 5,911 Adjusted pre-provision net revenue (TE)* $178,139 $172,895 $173,956 $175,557 $167,911 $351,034 $330,354 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 Six Months Ended (in thousands) 2Q26 1Q26 4Q25 3Q25 2Q25 YTD 2026 YTD 2025 Noninterest income (GAAP) $108,350 $7,482 $107,131 $106,001 $98,524 $115,832 $193,315 Adjustments from supplemental disclosures items Loss on securities portfolio restructure — 98,595 — — — 98,595 — Adjusted noninterest income $108,350 $106,077 $107,131 $106,001 $98,524 $214,427 $193,315 Noninterest expense (GAAP) $225,436 $220,748 $217,850 $212,753 $215,979 $446,184 $421,038 Adjustments from supplemental disclosures items Sabal Trust Company acquisition expense — — — — (5,911) — (5,911) Adjusted noninterest expense $225,436 $220,748 $217,850 $212,753 $210,068 $446,184 $415,127

Adjusted Efficiency Ratio Reconciliation *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 Three Months Ended Six Months Ended (in thousands) 2Q26 1Q26 4Q25 3Q25 2Q25 YTD 2026 YTD 2025 Net interest income $293,012 $285,165 $282,170 $279,738 $276,959 $578,177 $546,864 Noninterest income 108,350 7,482 107,131 106,001 98,524 115,832 193,315 Total GAAP revenue 401,362 292,647 389,301 385,739 375,483 694,009 740,179 Taxable equivalent adjustment 2,213 2,401 2,505 2,571 2,496 4,614 5,302 Total revenue (TE)* $403,575 $295,048 $391,806 $388,310 $377,979 $698,623 $745,481 Adjustments from supplemental disclosure items               Loss on securities portfolio restructure — 98,595 — — — 98,595 — Adjusted total revenue (TE)* for efficiency $403,575 $393,643 $391,806 $388,310 $377,979 $797,218 $745,481 GAAP Noninterest expense $225,436 $220,748 $217,850 $212,753 $215,979 $446,184 $421,038 Amortization of Intangibles (2,222) (2,548) (2,622) (2,694) (2,524) (4,770) (4,637) Adjustments from supplemental disclosure items               Sabal Acquisition Expense — — — — (5,911) — (5,911) Adjusted noninterest expense less amortization of intangibles $223,214 $218,200 $215,228 $210,059 $207,544 $441,414 $410,490 Efficiency Ratio** 55.31% 55.43% 54.93% 54.10% 54.91% 55.37% 55.06%

*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) 2Q26 1Q26 2Q25 Average total assets $35,881,537 $35,420,096 $34,527,276 Average common stockholders' equity $4,420,837 $4,461,827 $4,284,279 Average goodwill and other intangible assets (988,701) (991,166) (961,675) Average tangible common equity $3,432,136 $3,470,661 $3,322,604 Net income (GAAP) $126,961 $47,422 $113,531 Supplemental disclosure item, net of income tax* -- 77,890 4,670 Adjusted Net Income $126,961 $125,312 $118,201 ROA 1.42% 0.54% 1.32% Adjusted ROA 1.42% 1.43% 1.37% ROTCE 14.84% 5.54% 13.71% Adjusted ROTCE 14.84% 14.64% 14.27% Adjusted Earnings Per Share – Diluted Reconciliation Three Months Ended (in thousands) 2Q26 1Q26 2Q25 Net Income (GAAP) $126,961 $47,422 $113,531 Net income allocated to participating securities (330) (159) (486) Net income available to common shareholders $126,631 $47,263 $113,045 Supplemental disclosure item, net of income tax* -- 77,890 4,670 Supplemental disclosure item allocated to participating securities -- (260) (20) Adjusted net income allocated to participating securities $126,631 $124,893 $117,695 Weighted average common shares – diluted 81,485 82,261 85,943 Earnings per share – diluted $1.55 $0.57 $1.32 Adjusted earnings per share – diluted $1.55 $1.52 $1.37

Second Quarter 2026Earnings Conference Call 7/21/2026 HANCOCK WHITNEY

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