Equibles

8-K

HANCOCK WHITNEY CORP (HWC)

8-K 2025-07-15 For: 2025-07-15
View Original
Added on April 07, 2026

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 15, 2025

________________

HANCOCK WHITNEY CORPORATION
(Exact Name of Registrant as Specified in Charter)________________
Mississippi 64-0693170
(State or Other Jurisdictionof Incorporation) (IRS Employer<br><br>Identification No.)
Hancock Whitney Plaza2510 14th StreetGulfport, Mississippi(Address of Principal Executive Offices) 39501<br><br>(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 ClassCOMMON STOCK, 3.33 PAR VALUE6.25% SUBORDINATED NOTES Trading Symbol<br><br>HWC<br><br>HWCPZ Name of Exchange on Which Registered<br><br>The NASDAQ Stock Market, LLC<br><br>The NASDAQ Stock Market, LLC
__________________

All values are in US Dollars.

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 15, 2025, Hancock Whitney Corporation (the “Company”) announced financial results for its second quarter ended June 30, 2025. 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 15, 2025 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, 2025, 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<br><br>Number Description
99.1 Press Release dated July 15, 2025 for Quarter Ended June 30, 2025.
99.2 Presentation Slides dated July 15, 2025 (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 15, 2025 By: /s/ Michael M. Achary
Michael M. Achary
Chief Financial Officer

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE<br><br>July 15, 2025

For more information

Kathryn Shrout Mistich, VP, Investor Relations Manager

504.539.7836 or kathryn.mistich@hancockwhitney.com

Hancock Whitney reports second quarter 2025 EPS of $1.32

GULFPORT, Miss. (July 15, 2025) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the second quarter of 2025. Net income for the second quarter of 2025 totaled $113.5 million, or $1.32 per diluted common share (EPS), compared to $119.5 million, or $1.38 per diluted common share, in the first quarter of 2025. The second quarter of 2025 included $5.9 million, or $0.05 per share of supplemental disclosure items related to the acquisition of Sabal Trust Company. Excluding the impact of these supplemental disclosure items, EPS would be $1.37, down $0.01 linked-quarter. There were no supplemental disclosure items in the first quarter of 2025. The company reported net income for the second quarter of 2024 of $114.6 million, or $1.31 per diluted common share. There were no supplemental disclosure items in the second quarter of 2024.

Second Quarter 2025 Highlights

  • Net income totaled $113.5 million, or $1.32 per diluted share, compared to $119.5 million, or $1.38 per diluted share in the first quarter of 2025
  • Return on Assets (ROA) was 1.32%, or 1.37% when adjusted for supplemental disclosure items, compared to 1.41% in prior quarter
  • Adjusted pre-provision net revenue (PPNR) totaled $167.9 million, up $5.5 million compared to the first quarter of 2025
  • Loans increased $363.6 million, or 6% linked quarter annualized (LQA)
  • Deposits decreased $148.1 million, or 2% LQA
  • Criticized commercial loans and nonaccrual loans decreased
  • ACL coverage solid at 1.45%, compared to 1.49% in prior quarter
  • NIM 3.49%, up 6 bps compared to the prior quarter
  • CET1 ratio estimated at 14.03%, down 45 bps linked-quarter; TCE ratio of 9.84%, down 17 bps linked-quarter; total risk-based capital ratio estimated at 15.87%, down 50 bps linked-quarter
  • Efficiency ratio of 54.91%, improved 31 bps compared to prior quarter

“We are pleased to share another strong report for the second quarter of 2025,” said John M. Hairston, President & CEO. “Our team delivered another quarter of solid profitability and progress on our growth plan for 2025. Adjusted ROA was 1.37%, NIM continued to expand, and our efficiency ratio improved to 54.91%. We welcomed new colleagues and clients via the Sabal Trust Company acquisition on May 2nd. Capital was proactively deployed to fund both organic and inorganic growth, while simultaneously repurchasing 750,000 shares of our common stock. The pivot to loan growth began with a 6.3% LQA improvement across the footprint and in nearly every business segment. We look forward to the rest of 2025 as we execute our organic growth plan and maintain focus on profitability and efficiency.”

Loans

Total loans were $23.5 billion at June 30, 2025, up $363.6 million, or 2%, from March 31, 2025. Loan growth occurred across most commercial segments due to stronger loan demand, increasing line utilization, and lower payoffs.

Average loans totaled $23.2 billion for the second quarter of 2025, up $180.7 million, or 1%, linked-quarter. In 2025, we expect low-single digit loan growth from December 31, 2024 levels.

Deposits

Total deposits at June 30, 2025 were $29.0 billion, down $148.1 million, or 1%, from March 31, 2025. The linked-quarter decrease in deposits was primarily due to a decrease in retail time deposits driven by maturity concentration and promotional rate reductions during the second quarter of 2025 and a decrease in interest-bearing public funds driven by seasonal outflows. These decreases were partially offset by an increase in interest-bearing transactions and savings due to seasonality and competitive products and pricing and an increase in noninterest-bearing deposits.

DDAs totaled $10.6 billion at June 30, 2025, up $23.9 million, or less than 1%, from March 31, 2025 and comprised 37% of total period-end deposits. Interest-bearing transaction and savings deposits totaled $11.5 billion at the end of the second quarter of 2025, up $80.7 million, or 1%, linked-quarter. Compared to March 31, 2025, retail time deposits of $3.9 billion were down $234.4 million, or 6%. Interest-bearing public fund deposits decreased $18.3 billion, or 1%, linked-quarter, totaling $3.0 billion at June 30, 2025.

Average deposits for the second quarter of 2025 were $28.6 billion, down $102.5 million, or less than 1%, linked-quarter. Management expects 2025 period-end deposit levels to be up low-single digits from December 31, 2024 levels.

Asset Quality

The total allowance for credit losses (ACL) was $340.3 million at June 30, 2025, down $2.9 million, or 1%, from March 31, 2025. During the second quarter of 2025, the company recorded a provision for credit losses of $14.9 million, compared to $10.5 million in the first quarter of 2025. There were $17.8 million of net charge-offs in the second quarter of 2025, or 0.31% of average total loans on an annualized basis, compared to net charge-offs of $10.3 million, or 0.18% of average total loans in the first quarter of 2025. The ratio of ACL to period-end loans was 1.45% at June 30, 2025, compared to 1.49% at March 31, 2025.

Criticized commercial loans totaled $569.3 million, or 3.15% of total commercial loans, at June 30, 2025, compared to $594.1 million, or 3.35% of total commercial loans at March 31, 2025. Nonaccrual loans totaled $94.9 million, or 0.40% of total loans, at June 30, 2025, compared to $104.2 million, or 0.45% of total loans, at March 31, 2025. ORE and foreclosed assets were $26.8 million at June 30, 2025, up $0.2 million, or 1%, compared to March 31, 2025.

Net Interest Income and Net Interest Margin (NIM)

Net interest income (TE) for the second quarter of 2025 was $279.5 million, an increase of $6.7 million, or 2%, from the first quarter of 2025. The net interest margin (NIM) (TE) was 3.49% in the second quarter of 2025, up 6 bps linked-quarter. Change in rates on deposits (+4 bps), higher securities yields (+2 bps), higher loan yields (+2 bps) led to an 8 basis point improvement in NIM, partially offset by unfavorable borrowing mix and rates (-2 bps).

Average earning assets were $32.1 billion for the second quarter of 2025, up $57.3 million, or less than 1%, from the first quarter of 2025.

Noninterest Income

Noninterest income totaled $98.5 million for the second quarter of 2025, up $3.7 million, or 4%, from the first quarter of 2025.

Service charges on deposits were up $0.1 million, or 1%, from the first quarter of 2025. Bank card and ATM fees were up $1.3 million, or 6%, from the first quarter of 2025 due to higher activity on client accounts.

Investment and annuity income and insurance fees were down $0.8 million, or 7%, linked-quarter. Trust fees were up $4.7 million, or 26% linked-quarter, including $3.6 million from Sabal Trust Company, which was acquired on May 2, 2025. Fees from secondary mortgage operations totaled $4.1 million for the second quarter of 2025, up $0.7 million, or 20%, linked-quarter.

Other noninterest income was $14.8 million in the second quarter of 2025, down $2.3 million, or 13%, from the first quarter of 2025, primarily due to lower SBIC income, syndication fees, and SBA loan fees, partially offset by higher income from derivatives and BOLI.

Noninterest Expense & Taxes

Noninterest expense totaled $216.0 million, up $10.9 million, or 5% linked-quarter. The second quarter of 2025 included $5.9 million of supplemental disclosure items related to one-time expenses incurred due to the acquisition of Sabal Trust Company. There were no supplemental disclosure items in the first quarter of 2025.

Personnel expense totaled $116.5 million in the second quarter of 2025, up $2.2 million, or 2%, linked-quarter. This increase was primarily due to $1.4 million of one-time expenses included in the supplemental disclosure items related to the acquisition of Sabal Trust Company.

Net occupancy and equipment expense totaled $18.4 million in the second quarter of 2025, up $0.7 million, or 4%, from the first quarter of 2025. Amortization of intangibles totaled $2.5 million for the second quarter of 2025, up $0.4 million, or 19%, linked-quarter.

ORE and other foreclosed assets expense totaled $1.2 million in the second quarter of 2025, compared to $1.8 million in the first quarter of 2025.

Other expenses totaled $77.4 million in the second quarter of 2025, up $8.2 million, or 12%, linked-quarter, primarily due to higher professional services expense and $4.5 million of one-time expenses included in the supplemental disclosure items related to the acquisition of Sabal Trust Company.

The effective income tax rate for the second quarter of 2025 was 21.5%.

Capital

Common stockholders’ equity at June 30, 2025 totaled $4.4 billion, up $86.7 million, or 2%, from March 31, 2025. The tangible common equity (TCE) ratio was 9.84%, down 17 bps linked-quarter. The company’s CET1 ratio is estimated to be 14.03% at June 30, 2025, down 45 bps linked-quarter. Total risk-based capital ratio is estimated to be 15.87% at June 30, 2025, down 50 bps linked-quarter. During the second quarter of 2025, the company repurchased 750,000 shares of its common stock at an average price of $52.36 per share. This stock repurchase is pursuant to the company’s share buyback program (which authorized the repurchase of up to 4,306,000 shares of the company’s outstanding common stock), which expires on December 31, 2026. Since its inception, the company has repurchased 1,100,000 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 15, 2025 to review second quarter of 2025 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 results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial 800-715-9871 or 646-307-1963, access code 6506941.

An audio archive of the conference call will be available under the Investor Relations section of our website. A replay of the call will also be available through July 24, 2025 by dialing 800-770-2030 or 609-800-9909, access code 6506941.

About Hancock Whitney

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

Non-GAAP Financial Measures

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

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

The company presents certain additional non-GAAP financial measures to assist the reader with a better understanding of the company’s performance period over period, as well as to provide investors with assistance in understanding the success management has experienced in executing its strategic initiatives. The company highlights certain items that are outside of our principal business and/or are not indicative of forward-looking trends in supplemental disclosures items below our GAAP financial data and presents certain “Adjusted” ratios that exclude these disclosed items. These adjusted ratios provide management or the reader with a measure that may be more indicative of forward-looking trends in our business, as well as demonstrates the effects of significant gains or losses and changes.

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

Important Cautionary Statement about Forward-Looking Statements

This release contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provision for credit losses, capital levels, deposits (including growth, pricing, and betas), investment portfolio, other sources of liquidity, loan growth expectations, management’s predictions about charge-offs for loans, the impact of current and future economic conditions, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment, inflationary pressures, increasing insurance costs, elevated interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing, general economic business conditions in our local markets, Federal Reserve action with respect to interest rates, the effects of war or other conflicts, acts of terrorism, climate change, the impact of natural or man-made disasters, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings, assessments, and enforcement actions, as well as the impact of negative developments affecting the banking industry and the resulting media coverage; the potential impact of current (including Sabal Trust Company) or future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses, success of revenue-generating and cost reduction initiatives, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, the adequacy of our internal controls over financial and non-financial reporting, the financial impact of regulatory requirements and tax reform legislation, deposit trends, credit quality trends, net interest margin trends, future expense levels, future profitability, 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, 2024, and in other periodic reports that we file with the SEC.

HANCOCK WHITNEY CORPORATION
FINANCIAL HIGHLIGHTS
(Unaudited)
Three Months Ended Six Months Ended
(dollars and common share data in thousands, except per share amounts) 6/30/2025 3/31/2025 6/30/2024 6/30/2025 6/30/2024
NET INCOME
Net interest income $ 276,959 $ 269,905 $ 270,430 $ 546,864 $ 536,601
Net interest income (TE) (a) 279,455 272,711 273,258 552,166 542,259
Provision for credit losses 14,925 10,462 8,723 25,387 21,691
Noninterest income 98,524 94,791 89,174 193,315 177,025
Noninterest expense 215,979 205,059 206,016 421,038 413,738
Income tax expense 31,048 29,671 30,308 60,719 55,028
Net income $ 113,531 $ 119,504 $ 114,557 $ 233,035 $ 223,169
Supplemental disclosure items - included above, pre-tax
Included in noninterest expense
Sabal Trust Company acquisition expense $ 5,911 $ — $ — $ 5,911 $ —
FDIC special assessment — — — — 3,800
PERIOD-END BALANCE SHEET DATA
Loans $ 23,461,750 $ 23,098,146 $ 23,911,616 $ 23,461,750 $ 23,911,616
Securities 7,868,011 7,694,969 7,535,836 7,868,011 7,535,836
Earning assets 31,965,130 31,661,169 32,056,415 31,965,130 32,056,415
Total assets 35,212,652 34,750,680 35,412,291 35,212,652 35,412,291
Noninterest-bearing deposits 10,638,785 10,614,874 10,642,213 10,638,785 10,642,213
Total deposits 29,046,612 29,194,733 29,200,718 29,046,612 29,200,718
Common stockholders' equity 4,365,419 4,278,672 3,920,718 4,365,419 3,920,718
AVERAGE BALANCE SHEET DATA
Loans $ 23,249,241 $ 23,068,573 $ 23,917,361 $ 23,159,406 $ 23,863,762
Securities (b) 8,271,777 8,241,514 8,214,172 8,256,729 8,205,791
Earning assets 32,081,140 32,023,885 32,539,363 32,052,670 32,548,092
Total assets 34,527,276 34,355,515 34,998,880 34,441,870 35,050,375
Noninterest-bearing deposits 10,317,446 10,163,221 10,526,903 10,240,760 10,599,981
Total deposits 28,649,900 28,752,416 29,069,097 28,700,875 29,315,026
Common stockholders' equity 4,284,279 4,182,814 3,826,296 4,233,827 3,822,568
COMMON SHARE DATA
Earnings per share - diluted $ 1.32 $ 1.38 $ 1.31 $ 2.69 $ 2.55
Cash dividends per share 0.45 0.45 0.40 0.90 0.70
Book value per share (period-end) 51.15 49.73 45.40 51.15 45.40
Tangible book value per share (period-end) 39.46 39.40 35.04 39.46 35.04
Weighted average number of shares - diluted 85,943 86,462 86,765 86,203 86,768
Period-end number of shares 85,351 86,033 86,355 85,351 86,355
Market data
High sales price $ 58.24 $ 61.57 $ 49.11 $ 61.57 $ 49.11
Low sales price 43.90 49.46 41.56 43.90 41.19
Period-end closing price 57.40 52.45 47.83 57.40 47.83
Trading volume 43,450 41,692 29,308 85,142 59,816
PERFORMANCE RATIOS
Return on average assets 1.32 % 1.41 % 1.32 % 1.36 % 1.28 %
Return on average common equity 10.63 % 11.59 % 12.04 % 11.10 % 11.74 %
Return on average tangible common equity 13.71 % 14.72 % 15.73 % 14.21 % 15.34 %
Tangible common equity ratio (c) 9.84 % 10.01 % 8.77 % 9.84 % 8.77 %
Net interest margin (TE) 3.49 % 3.43 % 3.37 % 3.46 % 3.34 %
Noninterest income as a percentage of total revenue (TE) 26.07 % 25.79 % 24.60 % 25.93 % 24.61 %
Efficiency ratio (d) 54.91 % 55.22 % 56.18 % 55.06 % 56.31 %
Average loan/deposit ratio 81.15 % 80.23 % 82.28 % 80.69 % 81.40 %
Allowance for loan losses as a percentage of period-end loans 1.33 % 1.38 % 1.32 % 1.33 % 1.32 %
Allowance for credit losses as a percentage of period-end loans (e) 1.45 % 1.49 % 1.43 % 1.45 % 1.43 %
Annualized net charge-offs to average loans 0.31 % 0.18 % 0.12 % 0.24 % 0.14 %
Allowance for loan losses as a % of nonaccrual loans 329.94 % 305.26 % 366.54 % 329.94 % 366.54 %
FTE headcount 3,580 3,497 3,541 3,580 3,541
(a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(b) Average securities does not include unrealized holding gains/losses on available for sale securities.
(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.
(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above.
(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.
HANCOCK WHITNEY CORPORATION
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QUARTERLY FINANCIAL HIGHLIGHTS
(Unaudited)
Three Months Ended
(dollars and common share data in thousands, except per share amounts) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024
NET INCOME
Net interest income $ 276,959 $ 269,905 $ 273,556 $ 271,764 $ 270,430
Net interest income (TE) (a) 279,455 272,711 276,291 274,457 273,258
Provision for credit losses 14,925 10,462 11,912 18,564 8,723
Noninterest income 98,524 94,791 91,209 95,895 89,174
Noninterest expense 215,979 205,059 202,333 203,839 206,016
Income tax expense 31,048 29,671 28,446 29,684 30,308
Net income $ 113,531 $ 119,504 $ 122,074 $ 115,572 $ 114,557
Supplemental disclosure items - included above, pre-tax
Included in noninterest expense
Sabal Trust Company acquisition expense $ 5,911 $ — $ — $ — $ —
PERIOD-END BALANCE SHEET DATA
Loans $ 23,461,750 $ 23,098,146 $ 23,299,447 $ 23,455,587 $ 23,911,616
Securities 7,868,011 7,694,969 7,597,154 7,769,780 7,535,836
Earning assets 31,965,130 31,661,169 31,857,841 32,045,222 32,056,415
Total assets 35,212,652 34,750,680 35,081,785 35,238,107 35,412,291
Noninterest-bearing deposits 10,638,785 10,614,874 10,597,461 10,499,476 10,642,213
Total deposits 29,046,612 29,194,733 29,492,851 28,982,905 29,200,718
Common stockholders' equity 4,365,419 4,278,672 4,127,636 4,174,687 3,920,718
AVERAGE BALANCE SHEET DATA
Loans $ 23,249,241 $ 23,068,573 $ 23,248,512 $ 23,552,002 $ 23,917,361
Securities (b) 8,271,777 8,241,514 8,257,061 8,218,896 8,214,172
Earning assets 32,081,140 32,023,885 32,333,012 32,263,748 32,539,363
Total assets 34,527,276 34,355,515 34,770,663 34,780,386 34,998,880
Noninterest-bearing deposits 10,317,446 10,163,221 10,409,022 10,359,390 10,526,903
Total deposits 28,649,900 28,752,416 29,108,381 28,940,163 29,069,097
Common stockholders' equity 4,284,279 4,182,814 4,138,326 4,021,211 3,826,296
COMMON SHARE DATA
Earnings per share - diluted $ 1.32 $ 1.38 $ 1.40 $ 1.33 $ 1.31
Cash dividends per share 0.45 0.45 0.40 0.40 0.40
Book value per share (period-end) 51.15 49.73 47.93 48.47 45.40
Tangible book value per share (period-end) 39.46 39.40 37.58 38.10 35.04
Weighted average number of shares - diluted 85,943 86,462 86,602 86,560 86,765
Period-end number of shares 85,351 86,033 86,124 86,136 86,355
Market data
High sales price $ 58.24 $ 61.57 $ 62.40 $ 57.78 $ 49.11
Low sales price 43.90 49.46 48.36 45.26 41.56
Period-end closing price 57.40 52.45 54.72 51.17 47.83
Trading volume 43,450 41,692 32,670 35,017 29,308
PERFORMANCE RATIOS
Return on average assets 1.32 % 1.41 % 1.40 % 1.32 % 1.32 %
Return on average common equity 10.63 % 11.59 % 11.74 % 11.43 % 12.04 %
Return on average tangible common equity 13.71 % 14.72 % 14.96 % 14.70 % 15.73 %
Tangible common equity ratio (c) 9.84 % 10.01 % 9.47 % 9.56 % 8.77 %
Net interest margin (TE) 3.49 % 3.43 % 3.41 % 3.39 % 3.37 %
Noninterest income as a percentage of total revenue (TE) 26.07 % 25.79 % 24.82 % 25.89 % 24.60 %
Efficiency ratio (d) 54.91 % 55.22 % 54.46 % 54.42 % 56.18 %
Average loan/deposit ratio 81.15 % 80.23 % 79.87 % 81.38 % 82.28 %
Allowance for loan losses as a percentage of period-end loans 1.33 % 1.38 % 1.37 % 1.35 % 1.32 %
Allowance for credit losses as a percentage of period-end loans (e) 1.45 % 1.49 % 1.47 % 1.46 % 1.43 %
Annualized net charge-offs to average loans 0.31 % 0.18 % 0.20 % 0.30 % 0.12 %
Allowance for loan losses as a % of nonaccrual loans 329.94 % 305.26 % 327.61 % 382.87 % 366.54 %
FTE headcount 3,580 3,497 3,476 3,458 3,541
(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 disclosures noted above.
(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.
HANCOCK WHITNEY CORPORATION
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INCOME STATEMENT
(Unaudited)
Three Months Ended Six Months Ended
(dollars in thousands, except per share data) 6/30/2025 3/31/2025 6/30/2024 6/30/2025 6/30/2024
NET INCOME
Interest income $ 402,581 $ 395,321 $ 427,545 $ 797,902 $ 849,229
Interest income (TE) (f) 405,077 398,127 430,373 803,204 854,887
Interest expense 125,622 125,416 157,115 251,038 312,628
Net interest income (TE) 279,455 272,711 273,258 552,166 542,259
Provision for credit losses 14,925 10,462 8,723 25,387 21,691
Noninterest income 98,524 94,791 89,174 193,315 177,025
Noninterest expense 215,979 205,059 206,016 421,038 413,738
Income before income taxes 144,579 149,175 144,865 293,754 278,197
Income tax expense 31,048 29,671 30,308 60,719 55,028
Net income $ 113,531 $ 119,504 $ 114,557 $ 233,035 $ 223,169
Supplemental disclosure items - included above, pre-tax
Included in noninterest expense
Sabal Trust Company acquisition expense $ 5,911 $ — $ — $ 5,911 $ —
FDIC special assessment — — — — 3,800
NONINTEREST INCOME
Service charges on deposit accounts $ 24,256 $ 24,119 $ 22,275 $ 48,375 $ 44,514
Trust fees 22,753 18,022 18,473 40,775 35,550
Bank card and ATM fees 22,004 20,714 21,827 42,718 42,449
Investment and annuity fees and insurance commissions 10,603 11,415 9,789 22,018 21,633
Secondary mortgage market operations 4,147 3,468 3,546 7,615 6,437
Other income 14,761 17,053 13,264 31,814 26,442
Total noninterest income $ 98,524 $ 94,791 $ 89,174 $ 193,315 $ 177,025
NONINTEREST EXPENSE
Personnel expense $ 116,512 $ 114,347 $ 118,726 $ 230,859 $ 239,883
Net occupancy and equipment expense 18,366 17,671 17,470 36,037 35,093
Other real estate and foreclosed assets expense (income), net 1,181 1,780 (1,099 ) 2,961 (1,295 )
Other expense 77,396 69,148 68,530 146,544 135,142
Amortization of intangibles 2,524 2,113 2,389 4,637 4,915
Total noninterest expense $ 215,979 $ 205,059 $ 206,016 $ 421,038 $ 413,738
COMMON SHARE DATA
Earnings per share:
Basic $ 1.32 $ 1.38 $ 1.31 $ 2.70 $ 2.56
Diluted 1.32 1.38 1.31 2.69 2.55
(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
HANCOCK WHITNEY CORPORATION
--- --- --- --- --- --- --- --- --- --- --- --- --- ---
INCOME STATEMENT
(Unaudited)
Three Months Ended
(in thousands, except per share data) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024
NET INCOME
Interest income $ 402,581 $ 395,321 $ 414,286 $ 429,476 $ 427,545
Interest income (TE) (f) 405,077 398,127 417,021 432,169 430,373
Interest expense 125,622 125,416 140,730 157,712 157,115
Net interest income (TE) 279,455 272,711 276,291 274,457 273,258
Provision for credit losses 14,925 10,462 11,912 18,564 8,723
Noninterest income 98,524 94,791 91,209 95,895 89,174
Noninterest expense 215,979 205,059 202,333 203,839 206,016
Income before income taxes 144,579 149,175 150,520 145,256 144,865
Income tax expense 31,048 29,671 28,446 29,684 30,308
Net income $ 113,531 $ 119,504 $ 122,074 $ 115,572 $ 114,557
Supplemental disclosure items - included above, pre-tax
Included in noninterest expense
Sabal Trust Company acquisition expense $ 5,911 $ — $ — $ — $ —
NONINTEREST INCOME
Service charges on deposit accounts $ 24,256 $ 24,119 $ 23,447 $ 23,144 $ 22,275
Trust fees 22,753 18,022 18,170 18,014 18,473
Bank card and ATM fees 22,004 20,714 21,403 21,639 21,827
Investment and annuity fees and insurance commissions 10,603 11,415 10,901 10,890 9,789
Secondary mortgage market operations 4,147 3,468 2,558 3,379 3,546
Other income 14,761 17,053 14,730 18,829 13,264
Total noninterest income $ 98,524 $ 94,791 $ 91,209 $ 95,895 $ 89,174
NONINTEREST EXPENSE
Personnel expense $ 116,512 $ 114,347 $ 113,723 $ 115,771 $ 118,726
Net occupancy and equipment expense 18,366 17,671 17,862 18,127 17,470
Other real estate and foreclosed assets expense (income), net 1,181 1,780 (763 ) (411 ) (1,099 )
Other expense 77,396 69,148 69,305 68,060 68,530
Amortization of intangibles 2,524 2,113 2,206 2,292 2,389
Total noninterest expense $ 215,979 $ 205,059 $ 202,333 $ 203,839 $ 206,016
COMMON SHARE DATA
Earnings per share:
Basic $ 1.32 $ 1.38 $ 1.41 $ 1.33 $ 1.31
Diluted 1.32 1.38 1.40 1.33 1.31
(f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
HANCOCK WHITNEY CORPORATION
--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---
PERIOD-END BALANCE SHEET
(Unaudited)
(dollars in thousands) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024
ASSETS
Commercial non-real estate loans $ 9,760,733 $ 9,636,594 $ 9,876,592 $ 9,588,309 $ 9,847,759
Commercial real estate - owner occupied loans 3,136,182 3,000,998 3,011,955 3,096,173 3,094,258
Total commercial and industrial loans 12,896,915 12,637,592 12,888,547 12,684,482 12,942,017
Commercial real estate - income producing loans 3,940,309 3,809,664 3,798,612 3,988,661 4,053,812
Construction and land development loans 1,219,514 1,287,919 1,281,115 1,423,615 1,528,393
Residential mortgage loans 4,057,307 4,025,145 3,961,328 3,988,309 4,000,211
Consumer loans 1,347,705 1,337,826 1,369,845 1,370,520 1,387,183
Total loans 23,461,750 23,098,146 23,299,447 23,455,587 23,911,616
Loans held for sale 30,760 26,596 21,525 24,624 27,354
Securities 7,868,011 7,694,969 7,597,154 7,769,780 7,535,836
Short-term investments 604,609 841,458 939,715 795,231 581,609
Earning assets 31,965,130 31,661,169 31,857,841 32,045,222 32,056,415
Allowance for loan losses (313,189 ) (318,119 ) (318,882 ) (317,271 ) (316,148 )
Goodwill and other intangible assets 997,790 888,563 890,677 892,883 895,175
Other assets 2,562,921 2,519,067 2,652,149 2,617,273 2,776,849
Total assets $ 35,212,652 $ 34,750,680 $ 35,081,785 $ 35,238,107 $ 35,412,291
LIABILITIES
Noninterest-bearing deposits $ 10,638,785 $ 10,614,874 $ 10,597,461 $ 10,499,476 $ 10,642,213
Interest-bearing transaction and savings deposits 11,480,849 11,400,171 11,308,645 10,895,521 10,813,648
Interest-bearing public fund deposits 2,985,985 3,004,316 3,212,500 2,704,106 2,921,724
Time deposits 3,940,993 4,175,372 4,374,245 4,883,802 4,823,133
Total interest-bearing deposits 18,407,827 18,579,859 18,895,390 18,483,429 18,558,505
Total deposits 29,046,612 29,194,733 29,492,851 28,982,905 29,200,718
Short-term borrowings 1,044,927 542,780 639,015 1,265,944 1,363,959
Long-term debt 210,620 210,582 210,544 236,431 236,393
Other liabilities 545,074 523,913 611,739 578,140 690,503
Total liabilities 30,847,233 30,472,008 30,954,149 31,063,420 31,491,573
COMMON STOCKHOLDERS' EQUITY
Common stock net of treasury and capital surplus 1,976,208 2,008,987 2,029,122 2,032,599 2,041,597
Retained earnings 2,859,038 2,784,657 2,704,606 2,617,584 2,537,057
Accumulated other comprehensive (loss) (469,827 ) (514,972 ) (606,092 ) (475,496 ) (657,936 )
Total common stockholders' equity 4,365,419 4,278,672 4,127,636 4,174,687 3,920,718
Total liabilities & stockholders' equity $ 35,212,652 $ 34,750,680 $ 35,081,785 $ 35,238,107 $ 35,412,291
CAPITAL RATIOS
Tangible common equity $ 3,367,629 $ 3,390,109 $ 3,236,959 $ 3,281,804 $ 3,025,543
Tier 1 capital (g) 3,879,942 3,931,841 3,886,926 3,800,864 3,726,751
Common equity as a percentage of total assets 12.40 % 12.31 % 11.77 % 11.85 % 11.07 %
Tangible common equity ratio 9.84 % 10.01 % 9.47 % 9.56 % 8.77 %
Leverage (Tier 1) ratio (g) 11.39 % 11.55 % 11.29 % 11.03 % 10.71 %
Common equity tier 1 (CET1) ratio (g) 14.03 % 14.48 % 14.14 % 13.78 % 13.25 %
Tier 1 risk-based capital ratio (g) 14.03 % 14.48 % 14.14 % 13.78 % 13.25 %
Total risk-based capital ratio (g) 15.87 % 16.37 % 15.93 % 15.56 % 15.00 %
(g) Estimated for most recent period-end. Regulatory capital ratios for 2024 reflect the election to use the five-year transition rules for the adoption of ASC 326, commonly referred to as Current Expected Credit Loss, or CECL.
HANCOCK WHITNEY CORPORATION
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AVERAGE BALANCE SHEET
(Unaudited)
Three Months Ended Six Months Ended
(in thousands) 6/30/2025 3/31/2025 6/30/2024 6/30/2025 6/30/2024
ASSETS
Commercial non-real estate loans $ 9,687,575 $ 9,631,891 $ 9,839,115 $ 9,659,887 $ 9,822,621
Commercial real estate - owner occupied loans 3,040,258 2,996,594 3,083,561 3,018,547 3,082,826
Total commercial and industrial loans 12,727,833 12,628,485 12,922,676 12,678,434 12,905,447
Commercial real estate - income producing loans 3,879,443 3,836,450 4,090,000 3,858,065 4,039,834
Construction and land development loans 1,225,418 1,273,281 1,519,879 1,249,217 1,536,486
Residential mortgage loans 4,081,987 3,979,689 4,000,570 4,031,120 3,981,800
Consumer loans 1,334,560 1,350,668 1,384,236 1,342,570 1,400,195
Total loans 23,249,241 23,068,573 23,917,361 23,159,406 23,863,762
Loans held for sale 24,423 20,532 24,980 22,488 20,210
Securities (h) 8,271,777 8,241,514 8,214,172 8,256,729 8,205,791
Short-term investments 535,699 693,266 382,850 614,047 458,329
Earning assets 32,081,140 32,023,885 32,539,363 32,052,670 32,548,092
Allowance for loan losses (323,273 ) (322,711 ) (316,039 ) (322,993 ) (313,844 )
Goodwill and other intangible assets 961,675 889,590 896,330 925,832 897,555
Other assets 1,807,734 1,764,751 1,879,226 1,786,361 1,918,572
Total assets $ 34,527,276 $ 34,355,515 $ 34,998,880 $ 34,441,870 $ 35,050,375
LIABILITIES AND COMMON STOCKHOLDERS' EQUITY
Noninterest-bearing deposits $ 10,317,446 $ 10,163,221 $ 10,526,903 $ 10,240,760 $ 10,599,981
Interest-bearing transaction and savings deposits 11,341,852 11,202,387 10,728,709 11,272,505 10,765,952
Interest-bearing public fund deposits 2,946,187 3,113,960 2,967,284 3,029,610 3,043,345
Time deposits 4,044,415 4,272,848 4,846,201 4,158,000 4,905,748
Total interest-bearing deposits 18,332,454 18,589,195 18,542,194 18,460,115 18,715,045
Total deposits 28,649,900 28,752,416 29,069,097 28,700,875 29,315,026
Short-term borrowings 853,652 635,804 1,138,893 745,329 961,442
Long-term debt 211,145 210,563 236,374 210,856 236,355
Other liabilities 528,300 573,918 728,220 550,983 714,984
Common stockholders' equity 4,284,279 4,182,814 3,826,296 4,233,827 3,822,568
Total liabilities & stockholders' equity $ 34,527,276 $ 34,355,515 $ 34,998,880 $ 34,441,870 $ 35,050,375
(h) Average securities does not include unrealized holding gains/losses on available for sale securities.
HANCOCK WHITNEY CORPORATION
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AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)
3/31/2025 6/30/2024
(dollars in millions) Interest Rate Average<br>  Balance Interest Rate Average<br> Balance Interest Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i) 17,832.7 $ 271.1 6.10 % $ 17,738.2 $ 267.1 6.10 % $ 18,532.6 $ 301.4 6.54 %
Residential mortgage loans 4,082.0 41.6 4.07 % 3,979.7 38.8 3.90 % 4,000.6 37.7 3.77 %
Consumer loans 1,334.5 27.8 8.34 % 1,350.7 27.6 8.28 % 1,384.2 30.6 8.90 %
Loan fees & late charges — (0.6 ) 0.00 % — (0.3 ) 0.00 % — 2.0 0.00 %
Total loans (TE) (j) (k) 23,249.2 339.9 5.86 % 23,068.6 333.2 5.84 % 23,917.4 371.7 6.24 %
Loans held for sale 24.4 0.4 6.55 % 20.5 0.3 6.69 % 25.0 0.4 7.06 %
US Treasury and government agency securities 628.9 5.0 3.16 % 588.7 4.4 3.00 % 531.9 3.7 2.80 %
CMOs and mortgage backed securities 6,864.2 48.4 2.82 % 6,831.9 46.7 2.74 % 6,807.4 43.2 2.54 %
Municipals (TE) 761.2 5.6 2.95 % 802.9 5.9 2.96 % 851.4 6.3 2.96 %
Other securities 17.5 0.1 3.69 % 18.0 0.2 3.64 % 23.5 0.2 3.86 %
Total securities (TE) (l) 8,271.8 59.1 2.86 % 8,241.5 57.2 2.78 % 8,214.2 53.4 2.60 %
Total short-term investments 535.7 5.7 4.28 % 693.3 7.4 4.31 % 382.8 4.9 5.14 %
Average earning assets yield (TE) 32,081.1 $ 405.1 5.06 % $ 32,023.9 $ 398.1 5.02 % $ 32,539.4 $ 430.4 5.31 %
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits 11,341.9 $ 59.7 2.11 % $ 11,202.4 $ 57.3 2.08 % $ 10,728.7 $ 61.4 2.30 %
Time deposits 4,044.4 35.9 3.57 % 4,272.8 40.0 3.79 % 4,846.2 56.8 4.71 %
Public funds 2,946.2 22.1 3.01 % 3,114.0 23.2 3.03 % 2,967.3 26.4 3.58 %
Total interest-bearing deposits 18,332.5 117.7 2.58 % 18,589.2 120.5 2.63 % 18,542.2 144.6 3.14 %
Short-term borrowings 853.7 4.9 2.29 % 635.8 1.8 1.18 % 1,138.9 9.4 3.33 %
Long-term debt 211.1 3.0 5.67 % 210.6 3.1 5.82 % 236.4 3.1 5.19 %
Total borrowings 1,064.8 7.9 2.96 % 846.4 4.9 2.33 % 1,375.3 12.5 3.65 %
Total interest-bearing liabilities cost 19,397.3 125.6 2.60 % 19,435.6 125.4 2.62 % 19,917.5 157.1 3.17 %
Net interest-free funding sources 12,683.8 12,588.3 12,621.9
Total cost of funds 32,081.1 125.6 1.57 % 32,023.9 125.4 1.59 % 32,539.4 157.1 1.94 %
Net Interest Spread (TE) $ 279.5 2.46 % $ 272.7 2.41 % $ 273.3 2.14 %
Net Interest Margin (TE) 32,081.1 $ 279.5 3.49 % $ 32,023.9 $ 272.7 3.43 % $ 32,539.4 $ 273.3 3.37 %
(i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(j) Includes nonaccrual loans.
(k) Included in interest income is net purchase accounting accretion of 0.8 million for the three months ended June 30, 2024. There was no net purchase accounting accretion in 2025.
(l) Average securities does not include unrealized holding gains/losses on available for sale securities.

All values are in US Dollars.

HANCOCK WHITNEY CORPORATION
AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY
(Unaudited)
6/30/2024
(dollars in millions) Interest Rate Average<br> Balance Interest Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (i) 17,785.7 $ 538.1 6.10 % $ 18,481.8 $ 597.1 6.49 %
Residential mortgage loans 4,031.1 80.3 3.98 % 3,981.8 74.6 3.75 %
Consumer loans 1,342.6 55.4 8.31 % 1,400.2 61.9 8.89 %
Loan fees & late charges — (0.8 ) 0.00 % — 3.0 0.00 %
Total loans (TE) (j) (k) 23,159.4 673.0 5.85 % 23,863.8 736.6 6.20 %
Loans held for sale 22.5 0.7 6.62 % 20.2 0.7 7.38 %
US Treasury and government agency securities 608.9 9.4 3.08 % 523.8 7.2 2.75 %
CMOs and mortgage backed securities 6,848.1 95.1 2.78 % 6,799.9 85.6 2.52 %
Municipals (TE) 781.9 11.6 2.95 % 858.6 12.7 2.96 %
Other securities 17.8 0.3 3.66 % 23.5 0.4 3.68 %
Total securities (TE) (l) 8,256.7 116.4 2.82 % 8,205.8 105.9 2.58 %
Total short-term investments 614.1 13.1 4.30 % 458.3 11.7 5.12 %
Average earning assets yield (TE) 32,052.7 $ 803.2 5.04 % $ 32,548.1 $ 854.9 5.27 %
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits 11,272.5 $ 117.0 2.09 % $ 10,766.0 $ 121.5 2.27 %
Time deposits 4,158.0 75.9 3.68 % 4,905.7 115.9 4.75 %
Public funds 3,029.6 45.3 3.02 % 3,043.3 54.7 3.62 %
Total interest-bearing deposits 18,460.1 238.2 2.60 % 18,715.0 292.1 3.14 %
Short-term borrowings 745.3 6.7 1.82 % 961.4 14.4 3.01 %
Long-term debt 210.9 6.1 5.74 % 236.4 6.1 5.19 %
Total borrowings 956.2 12.8 2.68 % 1,197.8 20.5 3.44 %
Total interest-bearing liabilities cost 19,416.3 251.0 2.61 % 19,912.8 312.6 3.16 %
Net interest-free funding sources 12,636.4 12,635.3
Total cost of funds 32,052.7 251.0 1.58 % 32,548.1 312.6 1.93 %
Net Interest Spread (TE) $ 552.2 2.43 % $ 542.3 2.12 %
Net Interest Margin (TE) 32,052.7 $ 552.2 3.46 % $ 32,548.1 $ 542.3 3.34 %
(i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(j) Includes nonaccrual loans.
(k) Included in interest income is net purchase accounting accretion of 1.1 million for the six months ended June 30, 2024. There was no net purchase accounting accretion in 2025.
(l) Average securities does not include unrealized holding gains/losses on available for sale securities.

All values are in US Dollars.

HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)
Six Months Ended
(dollars in thousands) 3/31/2025 6/30/2024 6/30/2025 6/30/2024
Nonaccrual loans (m) 94,922 $ 104,214 $ 86,253 $ 94,922 $ 86,253
ORE and foreclosed assets 26,847 26,690 2,114 26,847 2,114
Total nonaccrual loans + ORE and foreclosed assets 121,769 $ 130,904 $ 88,367 $ 121,769 $ 88,367
Nonaccrual loans as a percentage of loans 0.40 % 0.45 % 0.36 % 0.40 % 0.36 %
Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets 0.52 % 0.57 % 0.37 % 0.52 % 0.37 %
Accruing loans 90 days past due 58,702 $ 15,593 $ 6,069 $ 58,702 $ 6,069
Accruing loans 90 days past due as a percentage of loans 0.25 % 0.07 % 0.03 % 0.25 % 0.03 %
Modified loans - still accruing 62,234 $ 70,617 $ 57,422 $ 62,234 $ 57,422
Modified loans - still accruing as a % of loans 0.27 % 0.31 % 0.24 % 0.27 % 0.24 %
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses:
Beginning balance 318,119 $ 318,882 $ 313,726 $ 318,882 $ 307,907
Provision for loan losses 12,856 9,484 9,707 22,340 24,506
Charge-offs (22,328 ) (13,293 ) (11,951 ) (35,621 ) (35,317 )
Recoveries 4,542 3,046 4,666 7,588 19,052
Net charge-offs (17,786 ) (10,247 ) (7,285 ) (28,033 ) (16,265 )
Ending Balance 313,189 $ 318,119 $ 316,148 $ 313,189 $ 316,148
Reserve for unfunded lending commitments:
Beginning balance 25,031 $ 24,053 $ 27,063 $ 24,053 $ 28,894
Provision for losses on unfunded lending commitments 2,069 978 (984 ) 3,047 (2,815 )
Ending balance 27,100 $ 25,031 $ 26,079 $ 27,100 $ 26,079
Total allowance for credit losses 340,289 $ 343,150 $ 342,227 $ 340,289 $ 342,227
Total provision for credit losses 14,925 $ 10,462 $ 8,723 $ 25,387 $ 21,691
Allowance for loan losses as a percentage of period-end loans 1.33 % 1.38 % 1.32 % 1.33 % 1.32 %
Allowance for credit losses as a percentage of period-end loans 1.45 % 1.49 % 1.43 % 1.45 % 1.43 %
Allowance for loan losses as a % of nonaccrual loans 329.94 % 305.26 % 366.54 % 329.94 % 366.54 %
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries):
Commercial & real estate loans 14,704 $ 7,060 $ 4,112 $ 21,764 $ 9,366
Residential mortgage loans 196 (220 ) (83 ) (24 ) (229 )
Consumer loans 2,886 3,407 3,256 6,293 7,128
Total net charge-offs 17,786 $ 10,247 $ 7,285 $ 28,033 $ 16,265
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans 0.33 % 0.16 % 0.09 % 0.25 % 0.10 %
Residential mortgage loans 0.02 % (0.02 )% (0.01 )% (0.00 )% (0.01 )%
Consumer loans 0.87 % 1.02 % 0.95 % 0.95 % 1.02 %
Total net charge-offs as a percentage of average loans 0.31 % 0.18 % 0.12 % 0.24 % 0.14 %
AVERAGE LOANS
Commercial & real estate loans 17,832,694 $ 17,738,216 $ 18,532,555 $ 17,785,716 $ 18,481,767
Residential mortgage loans 4,081,987 3,979,689 4,000,570 4,031,120 3,981,800
Consumer loans 1,334,560 1,350,668 1,384,236 1,342,570 1,400,195
Total average loans 23,249,241 $ 23,068,573 $ 23,917,361 $ 23,159,406 $ 23,863,762
(m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling 13.1 million at June 30, 2025, 25.0 million at March 31, 2025, and 5.3 million at June 30, 2024.

All values are in US Dollars.

HANCOCK WHITNEY CORPORATION
ASSET QUALITY INFORMATION
(Unaudited)
(dollars in thousands) 3/31/2025 12/31/2024 9/30/2024 6/30/2024
Nonaccrual loans (m) 94,922 $ 104,214 $ 97,335 $ 82,866 $ 86,253
ORE and foreclosed assets 26,847 26,690 27,797 27,732 2,114
Total nonaccrual loans + ORE and foreclosed assets 121,769 $ 130,904 $ 125,132 $ 110,598 $ 88,367
Nonaccrual loans as a percentage of loans 0.40 % 0.45 % 0.42 % 0.35 % 0.36 %
Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets 0.52 % 0.57 % 0.54 % 0.47 % 0.37 %
Accruing loans 90 days past due 58,702 $ 15,593 $ 21,852 $ 5,967 $ 6,069
Accruing loans 90 days past due as a percentage of loans 0.25 % 0.07 % 0.09 % 0.03 % 0.03 %
Modified loans - still accruing 62,234 $ 70,617 $ 79,324 $ 90,156 $ 57,422
Modified loans - still accruing as a % of loans 0.27 % 0.31 % 0.34 % 0.38 % 0.24 %
PROVISION AND ALLOWANCE FOR CREDIT LOSSES:
Allowance for loan losses:
Beginning balance 318,119 $ 318,882 $ 317,271 $ 316,148 $ 313,726
Provision for loan losses 12,856 9,484 13,352 19,150 9,707
Charge-offs (22,328 ) (13,293 ) (16,654 ) (21,113 ) (11,951 )
Recoveries 4,542 3,046 4,913 3,086 4,666
Net charge-offs (17,786 ) (10,247 ) (11,741 ) (18,027 ) (7,285 )
Ending Balance 313,189 $ 318,119 $ 318,882 $ 317,271 $ 316,148
Reserve for unfunded lending commitments:
Beginning balance 25,031 $ 24,053 $ 25,493 $ 26,079 $ 27,063
Provision for losses on unfunded lending commitments 2,069 978 (1,440 ) (586 ) (984 )
Ending balance 27,100 $ 25,031 $ 24,053 $ 25,493 $ 26,079
Total allowance for credit losses 340,289 $ 343,150 $ 342,935 $ 342,764 $ 342,227
Total provision for credit losses 14,925 $ 10,462 $ 11,912 $ 18,564 $ 8,723
Allowance for loan losses as a percentage of period-end loans 1.33 % 1.38 % 1.37 % 1.35 % 1.32 %
Allowance for credit losses as a percentage of period-end loans 1.45 % 1.49 % 1.47 % 1.46 % 1.43 %
Allowance for loan losses as a % of nonaccrual loans 329.94 % 305.26 % 327.61 % 382.87 % 366.54 %
NET CHARGE-OFF INFORMATION
Net charge-offs (recoveries)
Commercial & real estate loans 14,704 $ 7,060 $ 7,488 $ 14,464 $ 4,112
Residential mortgage loans 196 (220 ) (14 ) 28 (83 )
Consumer loans 2,886 3,407 4,267 3,535 3,256
Total net charge-offs 17,786 $ 10,247 $ 11,741 $ 18,027 $ 7,285
Net charge-offs (recoveries) as a percentage of average loans:
Commercial & real estate loans 0.33 % 0.16 % 0.17 % 0.32 % 0.09 %
Residential mortgage loans 0.02 % (0.02 )% (0.00 )% 0.00 % (0.01 )%
Consumer loans 0.87 % 1.02 % 1.24 % 1.02 % 0.95 %
Total net charge-offs as a percentage of average loans: 0.31 % 0.18 % 0.20 % 0.30 % 0.12 %
AVERAGE LOANS
Commercial & real estate loans 17,832,694 $ 17,738,216 $ 17,915,970 $ 18,179,941 $ 18,532,555
Residential mortgage loans 4,081,987 3,979,689 3,967,895 3,996,986 4,000,570
Consumer loans 1,334,560 1,350,668 1,364,647 1,375,075 1,384,236
Total average loans 23,249,241 $ 23,068,573 $ 23,248,512 $ 23,552,002 $ 23,917,361
(m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling 13.1 million at June 30, 2025, 25.0 million at March 31, 2025, 20.2 million at December 31, 2024, 5.4 million at September 30, 2024, and 5.3 million at June 30, 2024.

All values are in US Dollars.

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
(in thousands) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 6/30/2025 6/30/2024
Net Income (GAAP) $ 113,531 $ 119,504 $ 122,074 $ 115,572 $ 114,557 $ 233,035 $ 223,169
Provision for credit losses 14,925 10,462 11,912 18,564 8,723 25,387 21,691
Income tax expense 31,048 29,671 28,446 29,684 30,308 60,719 55,028
Pre-provision net revenue 159,504 159,637 162,432 163,820 153,588 319,141 299,888
Taxable equivalent adjustment (n) 2,496 2,806 2,735 2,693 2,828 5,302 5,658
Pre-provision net revenue (TE) 162,000 162,443 165,167 166,513 156,416 324,443 305,546
Adjustments from supplemental disclosure items
Sabal Trust Company acquisition expense 5,911 — — — — 5,911 —
FDIC special assessment — — — — — — 3,800
Adjusted pre-provision net revenue (TE) $ 167,911 $ 162,443 $ 165,167 $ 166,513 $ 156,416 $ 330,354 $ 309,346
REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO
Three Months Ended Six Months Ended
(in thousands) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 6/30/2025 6/30/2024
Net interest income $ 276,959 $ 269,905 $ 273,556 $ 271,764 $ 270,430 $ 546,864 $ 536,601
Noninterest income 98,524 94,791 91,209 95,895 89,174 193,315 177,025
Total GAAP revenue 375,483 364,696 364,765 367,659 359,604 740,179 713,626
Taxable equivalent adjustment (n) 2,496 2,806 2,735 2,693 2,828 5,302 5,658
Total revenue (TE) $ 377,979 $ 367,502 $ 367,500 $ 370,352 $ 362,432 745,481 719,284
GAAP Noninterest expense $ 215,979 $ 205,059 $ 202,333 $ 203,839 $ 206,016 $ 421,038 $ 413,738
Amortization of intangibles (2,524 ) (2,113 ) (2,206 ) (2,292 ) (2,389 ) (4,637 ) (4,915 )
Adjustments from supplemental disclosure items
Sabal Trust Company acquisition expense (5,911 ) — — — — (5,911 ) —
FDIC special assessment — — — — — — (3,800 )
Adjusted noninterest expense for efficiency $ 207,544 $ 202,946 $ 200,127 $ 201,547 $ 203,627 $ 410,490 $ 405,023
Efficiency ratio (o) 54.91 % 55.22 % 54.46 % 54.42 % 56.18 % 55.06 % 56.31 %
(n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
(o) 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.

Slide 1

Second Quarter 2025 Earnings Conference Call 7/15/2025 HANCOCK WHITNEY Exhibit 99.2

Slide 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, elevated interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing, general economic business conditions in our local markets, Federal Reserve action with respect to interest rates, the effects of war or other conflicts, acts of terrorism, climate change, the impact of natural or man-made disasters, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings, assessments, and enforcement actions, as well as the impact of negative developments affecting the banking industry and the resulting media coverage; the potential impact of current (including Sabal Trust Company) or future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses, success of revenue-generating and cost reduction initiatives, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, the adequacy of our internal controls over financial and non-financial reporting, the financial impact of regulatory requirements and tax reform legislation, deposit trends, credit quality trends, net interest margin trends, future expense levels, future profitability, 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, 2024, and in other periodic reports that we file with the SEC. Important cautionary statement about forward-looking statements

Slide 3

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 a full 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 HFS – Held for sale HTM – Held to maturity securities IB – Interest-bearing ICRE – Income-producing commercial real estate ICS – Insured Cash Sweep IRR – Interest rate risk Line Utilization - represents the used portion of a revolving line resulting in a funded balance for a given portfolio; credit cards, construction loans (commercial and residential), and consumer lines of credit are excluded from the calculation Linked-quarter (LQ) – current quarter compared to previous quarter LOC – Line of credit LQA – Linked-quarter annualized M&A – Mergers and acquisitions MM – Dollars in millions MMDA – Money market demand account MMDDYY – Month Day Year MSA – Metropolitan Statistical Area Munis – Municipal obligations NII – Net interest income *NIM – Net interest margin (TE) OCI – Other comprehensive income OFA – Other foreclosed assets O/N – Overnight Funds ORE – Other real estate PF – Public Funds *PPNR and *Adjusted PPNR – Pre-provision net revenue, defined as net income excluding provision expense and income tax expense, plus the taxable equivalent adjustment; adjusted PPNR is PPNR excluding supplemental disclosure items; also known as adjusted leverage Repo – Customer repurchase agreements RMBS – Residential mortgage-backed securities ROA – Return on average assets ROTCE – Return on tangible common equity RWA – Risk Weighted Assets SBA – Small Business Administration SBIC – Small business investment company SNC – Shared national credit SOFR – Secured Overnight Financing Rate S2 – Slower growth, downside scenario *Supplemental disclosure items – certain items that are outside of our principal business and/or are not indicative of forward-looking trends; these items are presented below GAAP financial data and excluded from certain adjusted ratios and metrics TCE – Tangible common equity ratio (common shareholders’ equity less intangible assets divided by total assets less intangible assets) *TE – Taxable equivalent (calculated using the current statutory federal tax rate) XHYY – Half Year XQYY – Quarter Year Y-o-Y – Year over year

Slide 4

HWC Nasdaq Listed HNCOCK WHITNEY 4 *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings As of June 30, 2025 (Healthcare) (ABL) (Operations) (Trust) $35.2 billion in Total Assets $23.5 billion in Total Loans $29.0 billion in Total Deposits CET1 Ratio 14.03%* TCE Ratio 9.84% $4.9 billion in Market Cap Baa3 Moody’s Long-term issuer rating; positive outlook BBB S&P Long-term issuer rating; stable outlook 179 banking locations Approximately 3,600 (FTE) employees corporate-wide 221 ATMs Corporate Profile

Slide 5

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.

Slide 6

HWC Strong and Stable for 125 Years Strength to manage through challenging economic environments Density in resilient deposit markets Stable, seasoned, diversified deposits; ability to organically grow deposits Top quartile capital levels including all unrealized losses Ability to return capital through dividend increases and share repurchase program Commitment to maintaining a de-risked balance sheet Robust ACL at 1.45% of loans Proven ability to proactively manage expenses Technology investments improve client experience and enhance efficiencies Exceptional, dedicated, committed team of associates

Slide 7

Year One of Multi-Year Organic Growth Plan Location of planned hires

Slide 8

Second Quarter 2025 Highlights Net income totaled $113.5 million, or $1.32 per diluted share, compared to $119.5 million, or $1.38 per diluted share in 1Q25 2Q25 results include a pretax charge of ($5.9) million, or $0.05 per share, of supplemental disclosure items related to the acquisition of Sabal Trust Company; there were no supplemental disclosure items in 1Q25 Adjusted Pre-Provision Net Revenue (PPNR)* totaled $167.9 million, up $5.5 million compared to 1Q25 Loans increased $364 million, or 6% LQA (Slide 9) Deposits decreased $148 million, or 2% LQA (Slide 11) Criticized commercial and nonaccrual loans decreased (Slide 12) ACL coverage solid at 1.45%, compared to 1.49% in prior quarter (Slide 13) NIM 3.49%, up 6 bps compared to 1Q25 (Slide 15) CET1 ratio estimated at 14.03%, down 45 bps linked-quarter; TCE ratio at 9.84%, down 17 bps linked-quarter; total risk-based capital estimated at 15.87%, down 50 bps linked-quarter (Slide 19) Efficiency ratio* of 54.91%, improved 31 bps compared to prior quarter *Non-GAAP measure: See appendix for non-GAAP reconciliation **Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings ($s in millions; except per share data) 2Q25 1Q25 2Q24 Net income $113.5 $119.5 $114.6 Provision for credit losses $14.9 $10.5 $8.7 Supplemental disclosure items $5.9 ─ ─ Earnings per share – diluted $1.32 $1.38 $1.31 Return on Assets (%) (ROA) 1.32 1.41 1.32 Adjusted ROA (%)* 1.37 1.41 1.32 Return on Tangible Common Equity (%) (ROTCE) 13.71 14.72 15.73 Adjusted ROTCE (%)* 14.27 14.72 15.73 Net Interest Margin (TE) (%) 3.49 3.43 3.37 Net Charge-offs (%) 0.31 0.18 0.12 CET1 Ratio (%)** 14.03 14.48 13.25 Tangible Common Equity (%) 9.84 10.01 8.77 Adjusted Pre-Provision Net Revenue (TE)* $167.9 $162.4 $156.4 Efficiency Ratio (%)* 54.91 55.22 56.18

Slide 9

Return to Loan Growth as Expected Bar Chart Loans totaled $23.5 billion, up $364 million, or 6% LQA Diverse growth realized across most commercial segments due to stronger loan demand, increasing line utilization, and lower payoffs For 2025, we expect year-over-year low-single digit loan growth; expect mid-single digit growth in 2H25

Slide 10

Loan Portfolio Composition Diversified and De-Risked Total Loans Outstanding % of Total Loans Commitment ($s in millions) Commercial non-RE (C&I) $7,462 31.8% $13,180 CRE – owner 2,569 10.9% 2,705 ICRE 3,484 14.9% 3,604 C&D 1,117 4.8% 2,218 Healthcare (1) 1,935 8.2% 2,475 Equipment Finance 1,312 5.6% 1,312 Energy 178 0.8% 277 Total Commercial $18,057 77.0% $25,771 Mortgage 4,057 17.3% 4,059 Consumer 1,348 5.7% 3,286 Grand Total $23,462 100.0% $33,116         For Information Purposes Only (included in categories above)       Retail (C&I and CRE) $2,097 8.9% $2,469 Hospitality (C&I and CRE) $1,246 5.3% $1,407 Office – ICRE $673 2.9% $693 Office – owner $873 3.7% $895 Multifamily – ICRE $1,033 4.4% $1,048 Multifamily – C&D $369 1.6% $994 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 $2.2 billion at 6/30/25, 9.5% of total loans, virtually unchanged linked-quarter For additional details on ICRE loans, refer to slide 24 in the appendix As of June 30, 2025 (1) $849 million of healthcare loans outstanding are C&I, $528 million are CRE-Owner, $456 million are ICRE, and $102 million are C&D

Slide 11

Increase in DDA Linked-Quarter Total deposits of $29.0 billion, down $148 million, or 2% LQA Noninterest-bearing DDA increased $24 million; DDA as a % of total deposits was 37% in 2Q25, compared to 36% in 1Q25 Increase in interest-bearing transactions and savings of $81 million due to seasonality and competitive products and pricing Retail time deposits decreased $234 million driven by maturity concentration and promotional rate reductions during 2Q25 Decrease in interest-bearing public funds of $19 million driven by seasonal outflows For additional details on deposit composition refer to slide 28 EOP Deposits Mix ($) EOP Deposits Mix (%) * Includes Public Funds DDA $ in millions % of Total Deposits

Slide 12

Asset Quality Metrics Improve Criticized commercial loans totaled $569 million, or 3.15% of total commercial loans, at June 30, 2025, down $25 million from $594 million, or 3.35% of total commercial loans, in prior quarter Nonaccrual loans totaled $95 million, or 0.40% of total loans, at June 30, 2025, down $9 million from $104 million, or 0.45% of total loans, in prior quarter Expect to compare well to peers; nonaccruals continue near top quartile levels Not experiencing broad signs of weakness among any industry, collateral type, or geography Total Loans $23,912 $23,456 $23,299 $23,098 $23,462 Total Commercial Loans 18,524 18,097 17,968 17,735 18,057 Criticized Commercial Loans 380 508 623 594 569 Nonaccrual Loans 86 83 97 104 95 2.05% 0.36% 2.81% 0.35% $ in millions 3.47% 0.42% 3.35% 0.45% 3.15% 0.40%

Slide 13

Maintained Solid Reserves Provision for the second quarter of 2025 of $14.9 million, reflects $17.8 million of net charge-offs and a reserve release of $2.9 million Quarter-end reserve coverage solid at 1.45% Weighting applied to Moody’s June 2025 economic scenarios was 50% baseline and 50% slower growth (S2), compared to 40% baseline and 60% slower growth (S2) in the first quarter of 2025 Moody’s baseline scenario incorporates expected impacts from current macroeconomic conditions; weighting on S2 scenario reflects potential for slower near-term economic growth than provided for in the baseline scenario Net Charge-offs Reserve Build / (Release) Total Provision  ($s in millions) 2Q25 1Q25 2Q25 1Q25 2Q25 1Q25 Commercial $14.7 $7.1 $(3.3) $(0.6) 11.4 $6.5 Mortgage 0.2 (0.2) 0.4 0.8 0.6 0.6 Consumer 2.9 3.4 – – 2.9 3.4 Total $17.8 $10.3 $(2.9) $0.2 $14.9 $10.5 Portfolio ($ in millions) 6/30/2025 3/31/2025 Amount % of Loan and Leases Outstanding Amount % of Loan and Leases Outstanding Commercial $243 1.35% $249 1.40% Mortgage 44 1.08% 43 1.07% Consumer 26 1.95% 26 1.94% Allowance for Loan and Lease Losses (ALLL) $313 1.33% $318 1.38% Reserve for Unfunded Lending Commitments 27 — 25 — Allowance for Credit Losses (ACL) $340 1.45% $343 1.49%

Slide 14

Portfolio Reinvestment Drives Yield Increase Securities portfolio* totaled $8.4 billion at 6/30/25, up $123 million linked-quarter 73% AFS, 27% HTM at 6/30/25 $478 million in notional FV hedges are designated on $514 million in bonds, or 8% of AFS securities; these FV hedges provide flexibility to reposition and/or reprice the hedged assets in a changing rate environment Yield 2.86%, up 8 bps primarily due to portfolio reinvestments and FV hedges becoming effective during 2Q25 Premium amortization totaled $6.7 million, down $0.1 million linked-quarter Effective duration 3.9 at 6/30/25, compared to 4.0 at 3/31/25, continues to trend lower from purchases of shorter duration securities and as FV hedges approach effective dates Net unrealized losses on securities portfolio impacted by lower Treasury yields: Bar chart,pie chart Net Unrealized Loss $ in millions 6/30/2025 3/31/2025 AFS ($466) ($511) HTM ($148) ($166) Total ($614) ($677) * Excluding unrealized losses and FV hedges adjustment

Slide 15

2Q25 NIM 3.49%, up 6 bps from 1Q25 NIM 3.49% for the month of June 2025 NII (TE) of $279.5 million, up 2% compared to $272.7 million in prior quarter Increase in NII primarily driven by higher earning asset volumes and yields and lower deposit rates, partially offset by unfavorable borrowing mix and rates Expect modest and consistent NIM expansion over the remainder of 2025 Assumes two 25 bp rate cuts in September and December 2025 Modeling of zero rate cut scenario in 2025 yields virtually unchanged results Continued NIM Expansion 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

Slide 16

Loans Loans totaled $23.5 billion at June 30, 2025 41% fixed, 59% variable (includes hybrid ARMs) 72% of variable loans tied to SOFR 23% of variable loans tied to Wall Street Journal Prime 5% of variable loans tied to other indices Approximately 4% ($518MM) 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 23% ($2.7B) hitting floor strikes at or above Fed Funds level of 1% Securities Expect to reinvest principal runoff of approximately $152 million and pre-invest $100 million of 1H26 bond maturities during 3Q25 Swaps/Hedges (See slide 32 for more information) $1.6 billion of active receive fixed/pay 1-month SOFR swaps designated as Cash Flow Hedges on the balance sheet; extends asset duration; two additional Cash Flow hedges were executed while no terminations were completed in 2Q25 $478 million of pay fixed/receive Fed Effective swaps designated as Fair Value Hedges on $514 million of securities; provides OCI protection and flexibility to reposition and/or reprice the hedged assets in a changing rate environment A total of $249 million become effective during FY2025, with a cumulative increase of up to 7 bps to the yield on the securities portfolio $204 million of FV hedges became effective in 1H25; $164 million in 1Q25 and $40 million in 2Q25 Deposits Deposits totaled $29.0 billion at June 30, 2025 76% 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 (2Q24-2Q25) Cumulative Expected Beta Total Deposit Betas 29% 31% 37% 35% 37-38% IB Deposit Betas 44% 45% 58% 55% 57-58% Loan Betas 48% 38% 49% 38% 49-50%

Slide 17

Trust Fees Lead Fee Income Growth Noninterest income totaled $98.5 million, up $3.7 million, or 4% linked-quarter Increase in trust fees of $4.7 million includes $3.6 million from the acquisition of Sabal Trust Company Increase in bank card and ATM fees related to higher activity on client accounts Decrease in other due to lower SBIC income, syndication fees, and SBA loan fees, partially offset by higher income from derivatives and BOLI Noninterest Income Mix 6/30/25 $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

Slide 18

Expenses Remain Well-Controlled Noninterest expense totaled $216.0 million, up $10.9 million, or 5% linked-quarter 2Q25 included $5.9 million of one-time expenses due to the acquisition of Sabal Trust Company; there were no supplemental disclosure items in 1Q25 Within the categories above, the acquisition-related expenses were $1.4 million of personnel costs and $4.5 million of other (net) expenses Other expenses, excluding the supplemental disclosure items, increased $3.8 million, or 5% linked-quarter, primarily related to higher professional services expense 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) Adjusted Noninterest Expense Mix* 6/30/25 $s in millions *Non-GAAP measure: see appendix for non-GAAP reconciliation

Slide 19

Capital Deployed Through Growth; Shareholder Returns CET1 ratio estimated at 14.03%, down 45 bps linked-quarter Leverage (Tier 1) ratio estimated at 11.39%, down 16 bps linked-quarter TCE ratio 9.84%, down 17 bps linked-quarter Total risk-based capital ratio estimated at 15.87%, down 50 bps linked-quarter 750,000 shares of company common stock repurchased during 2Q25 at an average price of $52.36 per share; 3,206,000 shares remain available under authority expiring 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, 2025* 9.84% 11.39% 14.03% 15.87% March 31, 2025 10.01% 11.55% 14.48% 16.37% December 31, 2024 9.47% 11.29% 14.14% 15.93% September 30, 2024 9.56% 11.03% 13.78% 15.56% June 30, 2024 8.77% 10.71% 13.25% 15.00% CET1 Ratio 14.03% *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings TCE Ratio 9.84%

Slide 20

2025 Forward Guidance Guidance Direction 2Q25 Actual FY 2025 Outlook (Includes impact of the acquisition of Sabal Trust Company as of 5/2/2025) Loans (EOP) No change $23.5B Expect EOP loans at 12/31/25 to be up low single digits from 12/31/24 levels Deposits (EOP) No change $29.0B Expect EOP deposits at 12/31/25 to be up low single digits from 12/31/24 levels Net Interest Income (te); NIM (te) Updated $279.5MM; 3.49% Expect NII (te) to be up between 3%-4% from FY24; expect modest NIM expansion throughout 2H25; guidance based on two 25 bp rate cuts in 2025 (September and December 2025) Adjusted Pre-Provision, Net Revenue (PPNR)* No change $167.9MM Expect PPNR to be up between 6%-7% from FY24 adjusted PPNR Reserve for Credit Losses Updated $340.3MM, or 1.45% of total loans Future assumptions in economic forecasts and any change in our own asset quality metrics will drive level of reserves; expect net charge-offs to average loans between 0.15% and 0.25% for full year 2025 Noninterest Income No change $98.5MM Expect noninterest income to be up 9%-10% from FY24 noninterest income Adjusted Noninterest Expense* No change $210.1MM Expect adjusted noninterest expense to be up 4%-5% from FY24 adjusted noninterest expense Effective Tax Rate No change 21.5% Approximately 20-21% Efficiency Ratio* No change 54.91% Expect to maintain efficiency ratio within the range of 54-56% for FY25 Corporate Strategic Objectives (CSOs) Long-term operating objectives reviewed/updated annually (assumes fed funds at approximately 3.75% for 2027) 3 Year Objective (4Q27) 2Q25 Actual ROA (Adjusted)* 1.40 – 1.50% 1.37% TCE ≥ 8% 9.84% ROTCE (Adjusted)* ≥ 18% 14.27% Efficiency Ratio* ≤ 55% 54.91% *Refer to appendix for non-GAAP reconciliations

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

Slide 22

Summary Balance Sheet ($ in millions) (1) Average securities excludes unrealized gain/(loss) Summary Balance Sheet ($ in millions) 4Q20 and YTD 2020 include $2.0 billion and 3Q20 included $2.3 billion in PPP loans, net Average securities excludes unrealized gain /(loss)       Change       4Q20 3Q20 4Q19 LQ PY Line Item YTD 2020 YTD 2019 Y-o-Y           EOP Balance Sheet       $21,789.9 $22,240.2 $21,212.8 ($450.3) $577.1 Loans (1) $21,789.9 $21,212.8 $577.1 7,356.5 7,056.3 6,243.3 300.2 1,113.2 Securities 7,356.5 6,243.3 1,113.2 30,616.3 30,179.1 27,622.2 437.2 2,994.1 Earning Assets 30,616.3 27,622.2 2,994.1 33,638.6 33,193.3 30,600.8 445.3 3,037.8 Total assets 33,638.6 30,600.8 3,037.8                   $27,698.0 $27,030.7 $23,803.6 $667.3 $3,894.4 Deposits $27,698.0 $23,803.6 $3,894.4 1,667.5 1,906.9 2,714.9 (239.4) (1,047.4) Short-term borrowings 1,667.5 2,714.9 (1,047.4) 30,199.6 29,817.7 27,133.1 381.9 3,066.5 Total Liabilities 30,199.6 27,133.1 3,066.5 3,439.0 3,375.6 3,467.7 63.4 (28.7) Stockholders' Equity 3,439.0 3,467.7 (28.7)                             Avg Balance Sheet       $22,065.7 $22,407.8 $21,037.9 ($342.1) $1,027.8 Loans $22,166.5 $20,380.0 $1,786.5 6,921.1 6,389.2 6,201.6 531.9 719.5 Securities (2) 6,398.7 5,864.2 534.5 29,875.5 29,412.3 27,441.5 463.2 2,434.0 Average earning assets 29,235.3 26,476.9 2,758.4 33,067.5 32,685.4 30,343.3 382.1 2,724.2 Total assets 32,391.0 29,125.4 3,265.6                   $27,040.4 $26,763.8 $23,848.4 $276.6 $3,192.0 Deposits $26,212.3 $23,299.3 $2,913.0 1,779.5 1,733.3 2,393.4 46.2 (613.9) Short-term borrowings 1,978.2 1,942.1 36.1 29,660.8 29,333.8 26,869.6 327.0 2,791.2 Total Liabilities 28,957.9 25,822.8 3,135.1 3,406.6 3,351.6 3,473.7 55.0 (67.1) Stockholders' Equity 3,433.1 3,302.7 130.4 3.99% 3.95% 4.69% 4 bps -70 bps Loan Yield 4.13% 4.81% -68 bps 2.23% 2.31% 2.56% -8 bps -33 bps Securities Yield 2.38% 2.62% -24 bps 0.31% 0.39% 1.11% -8 bps -80 bps Cost of IB Deposits 0.57% 1.25% -68 bps 79% 82% 89% -361 bps -1045 bps Loan/Deposit Ratio (Period End) 79% 89% -1045 bps CHANCOCK WHITNEY 26 Change YTD 2025 YTD 2024 Change 2Q25 1Q25 2Q24 LQ Prior Year Y-o-Y           EOP Balance Sheet 23,461.7 23,098.1 23,911.6 363.6 (449.9) Loans 23,461.7 23,911.6 (449.9) 7,868.0 7,695.0 7,535.8 173.0 332.2 Securities 7,868.0 7,535.8 332.2 31,965.1 31,661.2 32,056.4 303.9 (91.3) Earning assets 31,965.1 32,056.4 (91.3) 35,212.7 34,750.7 35,412.3 462.0 (199.6) Total assets 35,212.7 35,412.3 (199.6)                   29,046.6 29,194.7 29,200.7 (148.1) (154.1) Deposits 29,046.6 29,200.7 (154.1) 1,044.9 542.8 1,364.0 502.1 (319.1) Short-term borrowings 1,044.9 1,364.0 (319.1) 30,847.3 30,472.0 31,491.6 375.3 (644.3) Total liabilities 30,847.3 31,491.6 (644.3) 4,365.4 4,278.7 3,920.7 86.7 444.7 Stockholders' equity 4,365.4 3,920.7 444.7               Avg Balance Sheet 23,249.2 23,068.6 23,917.4 180.6 (668.2) Loans 23,159.4 23,863.8 (704.4) 8,271.8 8,241.5 8,214.2 30.3 57.6 Securities (1) 8,256.7 8,205.8 50.9 32,081.1 32,023.9 32,539.4 57.2 (458.3) Average earning assets 32,052.7 32,548.1 (495.4) 34,527.3 34,355.5 34,998.9 171.8 (471.6) Total assets 34,441.9 35,050.4 (608.5)                   28,649.9 28,752.4 29,069.1 (102.5) (419.2) Deposits 28,700.9 29,315.0 (614.1) 853.7 635.8 1,138.9 217.9 (285.2) Short-term borrowings 745.3 961.4 (216.1) 30,243.0 30,172.7 31,172.6 70.3 (929.6) Total liabilities 30,208.1 31,227.8 (1,019.7) 4,284.3 4,182.8 3,826.3 101.5 458.0 Stockholders' equity 4,233.8 3,822.6 411.2     5.86% 5.84% 6.24% 2 bps -38 bps Loan yield 5.85% 6.20% -35 bps 2.86% 2.78% 2.60% 8 bps 26 bps Securities yield 2.82% 2.58% 24 bps 2.58% 2.63% 3.14% -5 bps -56 bps Cost of IB deposits 2.60% 3.14% -54 bps 80.77% 79.12% 81.89% 165 bps -112 bps Loan/Deposit ratio - EOP 80.77% 81.89% -112 bps

Slide 23

Balance Sheet Summary   2Q24 3Q24 4Q24 1Q25 2Q25 Average Loans ($MM) 23,917 23,552 23,249 23,069 23,249 Average Total Securities* ($MM) 8,214 8,219 8,257 8,242 8,272 Average Deposits ($MM) 29,069 28,940 29,108 28,752 28,650 Loan Yield (TE) 6.24% 6.27% 6.02% 5.84% 5.86% Cost of Deposits 2.00% 2.02% 1.85% 1.70% 1.65% Tangible Common Equity Ratio 8.77% 9.56% 9.47% 10.01% 9.84% * Average securities excludes unrealized gain/(loss)

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ICRE Segmentation Detail and Key Metrics ICRE loan portfolio is diversified by asset class, industry and geographic region ICRE 17% of total loans and includes a variety of collateral types Office-ICRE exposure low at only 2.9% of total loans Office buildings tend to be more mid-rise Approximately 29% of office-ICRE exposure has medical-related tenants Approximately 92% 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 $5 million or less 89% of office-ICRE exposure has some level of guarantor support (corporate, personal, or both) Multifamily – ICRE and C&D exposure diverse No rent stabilized properties Approximately 77% of multifamily exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) and Nashville, TN 98% of multifamily (ICRE and C&D) exposure has some level of guarantor support (corporate, personal, or both) Total Loans Outstanding % of Total Loans Commitment ($s in millions) Multifamily $1,033 4.4% $1,048 Office 673 2.9% 693 Retail 637 2.7% 667 Industrial 606 2.6% 653 Hospitality(1) 435 1.8% 440 Healthcare Related Properties 357 1.5% 395 Other 141 0.6% 145 Other land loans 43 0.2% 45 1-4 family residential construction 15 0.1% 15 Total ICRE Loans(2) $3,940 16.8% $4,101 As of June 30, 2025 (1) Includes hotel, motel and restaurants (2) Includes ICRE and $456 million healthcare loans outstanding; healthcare loans outstanding primarily included in healthcare related properties, office, and other collateral categories

Slide 25

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 $6,026 $383 $1,074 $1,231 $987 $60 $9,761   $6,215 $3,546 CRE-Owner 1,036 100 300 480 1,192 28 3,136 1,033 2,103 CRE- income producing 2,758 142 356 416 267 1 3,940 2,724 1,216 Construction and land development 944 15 66 75 110 10 1,220 944 276 Total Commercial $10,764 $640 $1,796 $2,202 $2,556 $99 $18,057 $10,916 $7,141 Residential mortgages 52 87 219 81 1,612 2,006 4,057 1,684 2,373 Consumer 1,188 24 60 57 17 2 1,348 1,171 177 Grand Total $12,004 $751 $2,075 $2,340 $4,185 $2,107 $23,462 $13,771 $9,691     % of Total 51% 3% 9% 10% 18% 9% 100% 59% 41% Weighed Average Rate 7.04% 5.73% 5.17% 6.13% 4.17% 4.61% 6.03% 6.58% 5.17% (1) Based on maturity date for fixed rate loans 85% of variable rate loans reprice in three months or less $1.3 billion of variable rate mortgages, or 10% of total variable rate loans, reprice in 5 to 15 years

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Total Loan Rates and Yield Trends $ in millions Total Loan Rate* - Fixed 4.73% 4.82% 4.91% 4.98% 5.04% 5.17% Total Loan Rate* - Variable 7.41% 7.43% 7.26% 6.77% 6.60% 6.58% * Loan rates represent weighted average coupon rate at end of period ** Total loan yield includes impact of cash flow hedges

Slide 27

New Loan Rates Impacted by Rate Environment $ in millions New Loan Rate* - Fixed 7.52% 7.41% 7.18% 6.75% 6.84% 6.59% New Loan Rate* - Variable 8.03% 8.29% 8.06% 7.18% 7.19% 6.87% * Loan rates represent weighted average coupon rate in the month of origination or first funded balance

Slide 28

Maintaining a Seasoned, Stable, Diversified Deposit Base DDA as a % of total deposits remains among best-in-class at 37% at June 30, 2025 Uninsured deposits (adjusted for collateralized public funds) were 38.6% at June 30, 2025, compared to 37.7% at March 31, 2025 The Insured Cash Sweep (ICS) product is available to clients as a way to secure deposits above FDIC limits; balances at June 30, 2025 were $385 million, up from $378 million at March 31, 2025 Repurchase (Repo) agreements are another way for clients to secure deposits; balances at June 30, 2025 were $535 million, compared to $542 million at March 31, 2025 Consumer clients comprise 43% of total deposits (49% including wealth), while commercial clients comprise 39% There were no brokered deposits at June 30, 2025 or at March 31, 2025

Slide 29

Currently have approximately $19.9 billion in internal and external sources of liquidity if needed Approximately $18.2 billion in remaining net liquidity available at June 30, 2025 There were no brokered deposits at June 30, 2025 or at March 31, 2025 At June 30, 2025 $ in millions Total Sources Amount Used Net Availability Internal Sources       Free Securities $ 4,618 $ - $ 4,618 External Sources     FHLB* 6,396 1,534 4,862 FRB-DW 3,302 - 3,302 Brokered Deposits 4,357 - 4,357 Overnight Fed Funds LOCs 1,209 110 1,099 Total Available Sources of Funding $ 19,882 $ 1,644 $ 18,238 Strong Liquidity Position; Multiple Sources of Funding Available At June 30, 2025 $ in millions Cash and O/N $ 1,117 Cash and O/N as a % of Assets 3.2% Cash and O/N + Net Availability $ 19,355 Uninsured Deposits excl. PF Deposits $ 11,211 Cash and O/N + Net Availability to Adj. Uninsured deposits 172.64% * Amount used includes letters of credit (off balance-sheet)

Slide 30

Summary Income Statement ($ in millions, except for per share data) *Non-GAAP measure: see slides 34-36 for non-GAAP reconciliations       Change YTD 2025 YTD 2024 Change 2Q25 1Q25 2Q24 LQ Prior Year Y-o-Y 279.5 272.7 273.3 6.8 6.2 Net interest income (TE) 552.2 542.3 9.9 14.9 10.5 8.7 4.4 6.2 Provision for credit losses 25.4 21.7 3.7 98.5 94.8 89.2 3.7 9.3 Noninterest income 193.3 177.0 16.3 216.0 205.1 206.0 10.9 10.0 Noninterest expense 421.0 413.7 7.3 144.6 149.2 144.9 (4.6) (0.3) Income before income tax 293.8 278.2 15.6 31.0 29.7 30.3 1.3 0.7 Income tax expense 60.7 55.0 5.7 113.5 119.5 114.6 (6.0) (1.1) Net income 233.0 223.2 9.8 167.9 162.4 156.4 5.5 11.5 Adjusted PPNR (TE)* 330.4 309.3 21.1     113.5 119.5 114.6 (6.0) (1.1) Net income 233.0 223.2 9.8 (0.5) (0.5) (0.8) - 0.3 Net Income allocated to participating securities (1.0) (1.6) 0.6 113.0 119.0 113.8 (6.0) (0.8) Net Income available to common shareholders 232.0 221.6 10.4 85.9 86.5 86.8 (0.6) (0.9) Weighted average common shares - diluted (millions) 86.2 86.8 (0.6) 1.32 1.38 1.31 (0.06) 0.01 EPS 2.69 2.55 0.14         3.49% 3.43% 3.37% 6 bps 12 bps NIM (TE) 3.46% 3.34% 12 bps 1.32% 1.41% 1.32% -9 bps 0 bps ROA 1.36% 1.28% 8 bps 10.63% 11.59% 12.04% -96 bps -141 bps ROE 11.10% 11.74% -64 bps 54.91% 55.22% 56.18% -31 bps -127 bps Efficiency ratio* 55.06% 56.31% -125 bps

Slide 31

Income Statement Summary (as Adjusted*) *Non-GAAP measure: see slides 34-36 for non-GAAP reconciliations   2Q24 3Q24 4Q24 1Q25 2Q25 Adjusted PPNR (TE)* ($000) 156,416 166,513 165,167 162,443 167,911 Net Interest Income (TE) ($000) 273,258 274,457 276,291 272,711 279,455 Net Interest Margin (TE) 3.37% 3.39% 3.41% 3.43% 3.49% Noninterest Income ($000) 89,174 95,895 91,209 94,791 98,524 Adjusted Noninterest Expense* ($000) 206,016 203,839 202,333 205,059 210,068 Efficiency Ratio* 56.18% 54.42% 54.46% 55.22% 54.91% 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

Slide 32

Current Hedge Positions Cash Flow (CF) Hedges Receive 256 bps versus paying 1-month SOFR on $1.6 billion Two additional hedges were added while no terminations were made during the second quarter of 2025 Total termination value on remaining active CF hedges is approximately ($25) million as of 6/30/2025 Future maturities of existing CF hedges range from December 2025 through September 2029 Fair Value (FV) Hedges $514 million in securities are hedged with $478 million of FV hedges Duration (Market price risk) reduced from approximately 5.6 years to 1.3 years on hedged securities No additional FV hedges were executed or terminated in 2Q25; however, an additional $40 million FV hedge became effective. A total of $204 million of FV hedges are currently effective and enhanced the total portfolio yield by 7 bps during 2Q25 FV hedges become fully effective beginning January 2025 through July 2026; at that point we pay fixed 1.98% and receive the FF effective rate (resulting in these bonds being a variable rate of FF plus 48 bps) Current termination value of FV hedges is approximately $27 million at 6/30/2025 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

Slide 33

Remain Well Capitalized Including All Unrealized Losses 6/30/2025 As Reported* Inc. AOCI Losses (1) Inc. AOCI + HTM Losses(2) Well Capitalized Minimum Tangible Common Equity Ratio 9.84% 9.84% 9.54% N/A Leverage (Tier 1) Ratio 11.39% 10.36% 10.05% 5.00% CET1 Ratio 14.03% 12.65% 12.24% 6.50% Tier 1 Risked-Based Capital Ratio 14.03% 12.65% 12.24% 8.00% Risk-Based Capital Ratio 15.87% 14.50% 14.09% 10.00% Reflected above is the hypothetical impact on capital if the mark on AOCI Losses(1) and AOCI + HTM(2) were included in the regulatory capital calculations Neither scenario is currently included, nor required to be included in the Company’s regulatory capital ratios *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings Assumes AOCI adjustments related to market valuations on securities and related hedges are included for regulatory capital calculations Assumes HTM securities are also included as AOCI adjustment

Slide 34

PPNR (TE) and Adjusted PPNR (TE) Reconciliation   Three Months Ended Six Months Ended (in thousands) 2Q25 1Q25 4Q24 3Q24 2Q24 YTD 2025 YTD 2024 Net Income (GAAP) $113,531 $119,504 $122,074 $115,572 $114,557 $233,035 $223,169 Provision for credit losses 14,925 10,462 11,912 18,564 8,723 25,387 21,691 Income tax expense 31,048 29,671 28,446 29,684 30,308 60,719 55,028 Pre-provision net revenue 159,504 159,637 162,432 163,820 153,588 319,141 299,888 Taxable equivalent adjustment* 2,496 2,806 2,735 2,693 2,828 5,302 5,658 Pre-provision net revenue (TE)* 162,000 162,443 165,167 166,513 156,416 324,443 305,546 Adjustments from supplemental disclosure items               Sabal Trust Company acquisition expense 5,911 — — — — 5,911 —   FDIC special assessment — — — — — — 3,800 Adjusted pre-provision net revenue (TE)* $167,911 $162,443 $165,167 $166,513 $156,416 $330,354 $309,346 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 Expense   Three Months Ended Six Months Ended (in thousands) 2Q25 1Q25 4Q24 3Q24 2Q24 YTD 2025 YTD 2024 Noninterest expense (GAAP) $215,979 $205,059 $202,333 $203,839 $206,016 $421,038 $413,738 Adjustments from supplemental disclosure items               Sabal Trust Company acquisition expense (5,911) — — — — (5,911) —   FDIC special assessment — — — — — — (3,800) Adjusted noninterest expense $210,068 $205,059 $202,333 $203,839 $206,016 $415,127 $409,938

Slide 35

Adjusted Efficiency Ratio   Three Months Ended Six Months Ended (in thousands) 2Q25 1Q25 4Q24 3Q24 2Q24 YTD 2025 YTD 2024 Net interest income $276,959 $269,905 $273,556 $271,764 $270,430 $546,864 $536,601 Noninterest income 98,524 94,791 91,209 95,895 89,174 193,315 177,025 Total GAAP revenue 375,483 364,696 364,765 367,659 359,604 740,179 713,626 Taxable equivalent adjustment* 2,496 2,806 2,735 2,693 2,828 5,302 5,658 Total revenue (TE)* $377,979 $367,502 $367,500 $370,352 $362,432 $745,481 $719,284 GAAP Noninterest expense $215,979 $205,059 $202,333 $203,839 $206,016 $421,038 $413,738 Amortization of Intangibles (2,524) (2,113) (2,206) (2,292) (2,389) (4,637) (4,915) Adjustments from supplemental disclosure items               Sabal Trust Company acquisition expense (5,911) — — — — (5,911) —   FDIC special assessment — — — — — — (3,800) Adjusted noninterest expense less amortization of intangibles $207,544 $202,946 $200,127 $201,547 $203,627 $410,490 $405,023 Efficiency Ratio** 54.91% 55.22% 54.46% 54.42% 56.18% 55.06% 56.31% *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

Slide 36

*Supplemental disclosure items, net of income tax impact calculated using federal tax rate of 21% Adjusted ROA and ROTCE   Three Months Ended (in thousands) 2Q25 1Q25 2Q24 Average total assets $34,527,276 $34,355,515 $34,998,880 Average common stockholders' equity $4,284,279 $4,182,814 $3,826,296 Average goodwill and other intangible assets (961,675) (889,590) (896,330) Average tangible common equity $3,322,604 $3,293,224 $2,929,966 Net income (GAAP) $113,531 $119,504 $114,557 Supplemental disclosure items, net of income tax* 4,670 — — Adjusted Net Income $118,201 $119,504 $114,557 ROA 1.32% 1.41% 1.32% Adjusted ROA 1.37% 1.41% 1.32% ROTCE 13.71% 14.72% 15.73% Adjusted ROTCE 14.27% 14.72% 15.73% Adjusted Earnings Per Share - Diluted   Three Months Ended (in thousands) 2Q25 1Q25 2Q24 Net Income (GAAP) $113,531 $119,504 $114,557 Net income allocated to participating securities (486) (521) (810) Net income available to common shareholders $113,045 $118,983 $113,747 Supplemental disclosure items, net of income tax* 4,670 — — Supplemental disclosure items allocated to participating securities (20) — — Adjusted net income allocated to participating securities $117,695 $118,983 $113,747 Weighted average common shares - diluted 85,943 86,462 86,765 Earnings per share - diluted $1.32 $1.38 $1.31 Adjusted earnings per share - diluted $1.37 $1.38 $1.31

Slide 37

Second Quarter 2025 Earnings Conference Call 7/15/2025 HANCOCK WHITNEY

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