🏦Bank Scorer

HANCOCK WHITNEY BANK

GULFPORT, MS · Supervised by FDIC

Est. 1899FDIC #12,441RSSD: FDIC-12441
Part ofHANCOCK HOLDING CO→ View all charters
Outstanding Up

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

2

0.06 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

2510 14th St, GULFPORT, MS

County

Harrison County

Established

October 9, 1899

Total Assets

$35.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$35.5B

Total Deposits

$29.3B

Net Loans

$23.7B

Net Income

$50M

ROA

0.57%

ROE

4.64%

Risk-Based Capital

14.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate22.99%Peer avg: 26.91%▲ Above avg
Complaints / $B0.06Peer avg: 0.04▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

183

Branch Deposits

$29.3B

1-Year Change

-1

5-year net change: -35 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245,31560.06%22.99%
20236,14559.33%19.10%
20229,17962.99%16.19%
202111,19365.83%12.56%
202012,60968.67%13.51%
20199,79467.57%18.04%
201811,01864.05%21.81%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Consumer Complaints

CFPB · through Mar 2026

Last 12 Months

2

All Time

4

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0.06 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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