# EDGAR Filing Document

**Accession Number:** 0000750577
**File Stem:** 0001193125-25-238979
**Filing Date:** 2025-10
**Character Count:** 172631
**Document Hash:** e085d0222e7848f7b364cee4e95ad92b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-238979.hdr.sgml**: 20251014

**ACCESSION NUMBER**: 0001193125-25-238979

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 50

**CONFORMED PERIOD OF REPORT**: 20251014

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251014

**DATE AS OF CHANGE**: 20251014

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HANCOCK WHITNEY CORP
- **CENTRAL INDEX KEY:** 0000750577
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 640693170
- **STATE OF INCORPORATION:** MS
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-36872
- **FILM NUMBER:** 251391686

**BUSINESS ADDRESS:**
- **STREET 1:** ONE HANCOCK WHITNEY PLAZA
- **STREET 2:** P O BOX 4019
- **CITY:** GULFPORT
- **STATE:** MS
- **ZIP:** 39501
- **BUSINESS PHONE:** 5042995208

**MAIL ADDRESS:**
- **STREET 1:** ONE HANCOCK WHITNEY PLAZA
- **STREET 2:** P O BOX 4019
- **CITY:** GULFPORT
- **STATE:** MS
- **ZIP:** 39501

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HANCOCK HOLDING CO
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? 8-K

**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):** October 14, 2025

________________

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br>HANCOCK WHITNEY CORPORATION | &nbsp;&nbsp; <br>HANCOCK WHITNEY CORPORATION | &nbsp;&nbsp; <br>HANCOCK WHITNEY CORPORATION | &nbsp;&nbsp; <br>HANCOCK WHITNEY CORPORATION | &nbsp;&nbsp; <br>HANCOCK WHITNEY CORPORATION |
| &nbsp;&nbsp;**(Exact Name of Registrant as Specified in Charter)**<br>________________ | &nbsp;&nbsp;**(Exact Name of Registrant as Specified in Charter)**<br>________________ | &nbsp;&nbsp;**(Exact Name of Registrant as Specified in Charter)**<br>________________ | &nbsp;&nbsp;**(Exact Name of Registrant as Specified in Charter)**<br>________________ | &nbsp;&nbsp;**(Exact Name of Registrant as Specified in Charter)**<br>________________ |
| &nbsp;&nbsp; <br>Mississippi | &nbsp;&nbsp;001-36872 | &nbsp;&nbsp;001-36872 | &nbsp;&nbsp;001-36872 | &nbsp;&nbsp;64-0693170 |
| &nbsp;&nbsp;**(State or Other Jurisdiction**<br>**of Incorporation)** | &nbsp;&nbsp;**(Commission File Number)** | &nbsp;&nbsp;**(Commission File Number)** | &nbsp;&nbsp;**(Commission File Number)** | &nbsp;&nbsp;**(IRS Employer**<br>**Identification No.)** |
| &nbsp;&nbsp; <br>Hancock Whitney Plaza<br>2510 14th Street<br>Gulfport**,** Mississippi<br>**(Address of Principal Executive Offices)** | &nbsp;&nbsp; <br>Hancock Whitney Plaza<br>2510 14th Street<br>Gulfport**,** Mississippi<br>**(Address of Principal Executive Offices)** | &nbsp;&nbsp; <br>Hancock Whitney Plaza<br>2510 14th Street<br>Gulfport**,** Mississippi<br>**(Address of Principal Executive Offices)** | &nbsp;&nbsp;39501<br>**(Zip Code)** | &nbsp;&nbsp;39501<br>**(Zip Code)** |
| &nbsp;&nbsp; <br>**Registrant's telephone number, including area code:** (228) 868-4000 | &nbsp;&nbsp; <br>**Registrant's telephone number, including area code:** (228) 868-4000 | &nbsp;&nbsp; <br>**Registrant's telephone number, including area code:** (228) 868-4000 | &nbsp;&nbsp; <br>**Registrant's telephone number, including area code:** (228) 868-4000 | &nbsp;&nbsp; <br>**Registrant's telephone number, including area code:** (228) 868-4000 |
| &nbsp;&nbsp; <br>**Securities registered pursuant to Section 12(b) of the Act:** | &nbsp;&nbsp; <br>**Securities registered pursuant to Section 12(b) of the Act:** | &nbsp;&nbsp; <br>**Securities registered pursuant to Section 12(b) of the Act:** | &nbsp;&nbsp; <br>**Securities registered pursuant to Section 12(b) of the Act:** | &nbsp;&nbsp; <br>**Securities registered pursuant to Section 12(b) of the Act:** |
| &nbsp;&nbsp;**Title of Each Class**<br>COMMON STOCK, $3.33 PAR VALUE<br>6.25% SUBORDINATED NOTES | &nbsp;&nbsp;**Title of Each Class**<br>COMMON STOCK, $3.33 PAR VALUE<br>6.25% SUBORDINATED NOTES | &nbsp;&nbsp;**Trading Symbol**<br>HWC<br>HWCPZ | &nbsp;&nbsp;**Trading Symbol**<br>HWC<br>HWCPZ | &nbsp;&nbsp;**Name of Exchange on Which Registered**<br>The NASDAQ Stock Market, LLC<br>The NASDAQ Stock Market, LLC<br>|
| &nbsp;&nbsp; <br>__________________ | &nbsp;&nbsp; <br>__________________ | &nbsp;&nbsp; <br>__________________ | &nbsp;&nbsp; <br>__________________ | &nbsp;&nbsp; <br>__________________ |

---

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. 

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**Item 2.02 Results of Operations and Financial Condition.** 

On October 14, 2025, Hancock Whitney Corporation (the "<u>Company</u>") announced financial results for its third quarter ended September 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 October 14, 2025 at 3:30 p.m. (Central Time), the Company intends to hold an investor call and webcast to discuss financial results for the third quarter ended September 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 "<u>Exchange Act</u>"), 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.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Exhibit**<br>**Number** | &nbsp;&nbsp;**Description** |
| &nbsp;&nbsp;99.1 | &nbsp;&nbsp;[<u>Press Release dated October 14, 2025 for Quarter Ended September 30, 2025.</u>](hwc-ex99_1.htm) |
| &nbsp;&nbsp;99.2 | &nbsp;&nbsp;[<u>Presentation Slides dated October 14, 2025 (furnished with the Commission as part of this Form 8-K).</u>](hwc-ex99_2.htm) |
| &nbsp;&nbsp;104 | &nbsp;&nbsp;Cover Page Interactive Data File (embedded within the inline XBRL document) |

---

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**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** |
| October 14, 2025 | By:  | /s/ Michael M. Achary |
|  |  | Michael M. Achary |
|  |  | Chief Financial Officer |

---

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## Exhibit 99.1

Exhibit 99.1

---

| | |
|:---|:---|
| ![img88180657_0.jpg](img88180657_0.jpg) | <br>**FOR IMMEDIATE RELEASE**<br>October 14, 2025 |

---

**For more information**

Kathryn Shrout Mistich, VP, Investor Relations Manager

504.539.7836 or kathryn.mistich@hancockwhitney.com

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**Hancock Whitney reports third quarter 2025 EPS of $1.49**

GULFPORT, Miss. (October 14, 2025) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the third quarter of 2025. Net income for the third quarter of 2025 totaled $127.5 million, or $1.49 per diluted common share (EPS), compared to $113.5 million, or $1.32 per diluted common share, in the second quarter of 2025. The company reported net income for the third quarter of 2024 of $115.6 million, or $1.33 per diluted common share. 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. There were no supplemental disclosure items in the third quarters of 2025 and 2024.

**Third Quarter 2025 Highlights** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Net income totaled $127.5 million, or $1.49 per diluted share, compared to $113.5 million, or $1.32 per diluted share in the second quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Adjusted pre-provision net revenue (PPNR) totaled $175.6 million, up $7.6 million, or 5%, compared to the second quarter of 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Loans increased $134.8 million, or 2% linked quarter annualized (LQA)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Deposits decreased $386.9 million, or 5% LQA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Criticized commercial loans continued to moderate and nonaccrual loans increased

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•ACL coverage solid at 1.45%, unchanged from prior quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•NIM 3.49%, consistent with prior quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•CET1 ratio estimated at 14.08%, up 11 bps linked-quarter; TCE ratio of 10.01%, up 17 bps linked-quarter; total risk-based capital ratio estimated at 15.91%, up 9 bps linked-quarter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Efficiency ratio of 54.10%, improved 81 bps compared to prior quarter

"The third quarter of 2025 results reflect another quarter of exceptionally strong performance," said John M. Hairston, President & CEO. "We saw continued improvement in profitability and progress on our growth plan for 2025. Our ROA was a remarkable 1.46%, our efficiency ratio improved to 54.10%, and our NIM was stable at 3.49% despite a falling rate environment. Our earnings performance contributed to growth in all of our capital ratios, while we continued to deploy capital through organic balance sheet growth and repurchasing 662,500 shares of our common stock. As 2025 draws to a close, we remain committed to executing on our organic growth plan, maintaining operational efficiency, and proactively managing capital."

------

**Loans**

Total loans were $23.6 billion at September 30, 2025, up $134.8 million, or 1%, from June 30, 2025. Loan growth was realized across commercial real estate-owner occupied loans, commercial real estate-income producing loans, and equipment finance loans, partially offset by higher loan payoffs and lower credit line utilization.

Average loans totaled $23.4 billion for the third quarter of 2025, up $176.7 million, or 1%, linked-quarter. For 2025, we expect low-single digit growth both year-over-year and in the fourth quarter of 2025.

**Deposits**

Total deposits at September 30, 2025 were $28.7 billion, down $386.9 million, or 1%, from June 30, 2025.

Noninterest-bearing DDAs totaled $10.3 billion at September 30, 2025, down $333.5 million, or 3%, from June 30, 2025, and comprised 36% of total period-end deposits. The linked-quarter decrease in noninterest-bearing DDA was related to unfavorable seasonality, expected outflows of temporary balances, and a decrease in public fund DDA balances.

Interest-bearing transaction and savings deposits totaled $11.8 billion at the end of the third quarter of 2025, up $278.0 million, or 2%, linked-quarter. This increase was due to competitive products and pricing.

Compared to June 30, 2025, retail time deposits of $3.8 billion were down $145.4 million, or 4%, driven by maturity concentration and promotional rate reductions during the third quarter of 2025. Interest-bearing public fund deposits decreased $186.0 billion, or 6%, linked-quarter, totaling $2.8 billion at September 30, 2025. The decrease in interest-bearing public funds resulted from seasonal outflows.

Average deposits for the third quarter of 2025 were $28.5 billion, down $157.8 million, or 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 $341.5 million at September 30, 2025, up $1.2 million, or less than 1%, from June 30, 2025. During the third quarter of 2025, the company recorded a provision for credit losses of $12.7 million, compared to $14.9 million in the second quarter of 2025. There were $11.4 million of net charge-offs in the third quarter of 2025, or 0.19% of average total loans on an annualized basis, compared to net charge-offs of $17.8 million, or 0.31% of average total loans in the second quarter of 2025. The ratio of ACL to period-end loans was 1.45% at September 30, 2025, consistent with June 30, 2025.

Criticized commercial loans totaled $549.2 million, or 3.01% of total commercial loans, at September 30, 2025, compared to $569.3 million, or 3.15% of total commercial loans, at June 30, 2025. Nonaccrual loans totaled $113.6 million, or 0.48% of total loans, at September 30, 2025, compared to $94.9 million, or 0.40% of total loans, at June 30, 2025. ORE and foreclosed assets were $11.1 million at September 30, 2025, down $15.7 million, or 59%, compared to June 30, 2025.

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

Net interest income (TE) for the third quarter of 2025 was $282.3 million, an increase of $2.9 million, or 1%, from the second quarter of 2025. The net interest margin (NIM) (TE) was 3.49% in the third quarter of 2025, flat linked-quarter, as securities yields (+2 bps) and better earning assets mix and higher average loans (+2 bps), were offset by an unfavorable other borrowings volumes and rates (-4 bps).

Average earning assets were $32.2 billion for the third quarter of 2025, up $132.5 million, or less than 1%, from the second quarter of 2025.

**Noninterest Income**

Noninterest income totaled $106.0 million for the third quarter of 2025, up $7.5 million, or 8%, from the second quarter of 2025.

Service charges on deposits were up $1.0 million, or 4%, from the second quarter of 2025 due to higher client account activity. Bank card and ATM fees were down $0.2 million, or 1%, from the second quarter of 2025.

Investment and annuity income and insurance fees were up $3.9 million, or 37%, linked-quarter, related to higher annuity sales and higher fees earned on investment trading. Trust fees were up $1.5 million, or 6% linked-quarter, due to an additional month of revenue from the acquisition of Sabal Trust Company. Fees from secondary mortgage operations totaled $3.5 million for the third quarter of 2025, down $0.7 million, or 16%, linked-quarter.

Other noninterest income was $16.8 million in the third quarter of 2025, up $2.0 million, or 14%, from the second quarter of 2025. The increase was primarily due to higher syndication fees, gains on the sale of leases and SBA loans, and higher BOLI income, partially offset by lower SBIC income.

**Noninterest Expense & Taxes**

Noninterest expense totaled $212.8 million, down $3.2 million, or 1% linked-quarter. There were no supplemental disclosure items in the third quarter of 2025. 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.

Personnel expense totaled $122.0 million in the third quarter of 2025, up $5.5 million, or 5%, linked-quarter, or up $6.9 million, or 6%, linked quarter adjusted for Sabal Trust Company acquisition costs. This increase was related to hiring efforts, one additional work day, and higher incentive expenses.

Net occupancy and equipment expense totaled $18.2 million in the third quarter of 2025, down $0.1 million, or 1%, from the second quarter of 2025. Amortization of intangibles totaled $2.7 million for the third quarter of 2025, up $0.2 million, or 7%, linked-quarter.

Net gains on ORE and other foreclosed assets totaled $0.3 million in the third quarter of 2025, compared to a net expense of $1.2 million in the second quarter of 2025.

Other expenses totaled $70.2 million in the third quarter of 2025, down $7.2 million, or 9%, linked-quarter, or down $2.8 million, or 4%, linked quarter adjusted for Sabal Trust Company acquisition costs. This decrease is primarily related to lower data processing and professional services expense. Prior quarter's other expenses included $4.5 million of one-time expenses included in the supplemental disclosure items related to the acquisition of Sabal Trust Company.

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The effective income tax rate for the third quarter of 2025 was 20.5%.

**Capital**

Common stockholders' equity at September 30, 2025 totaled $4.5 billion, up $109.1 million, or 2%, from June 30, 2025. The tangible common equity (TCE) ratio was 10.01%, up 17 bps linked-quarter. The company's CET1 ratio is estimated to be 14.08% at September 30, 2025, up 11 bps linked-quarter. Total risk-based capital ratio is estimated to be 15.91% at September 30, 2025, up 9 bps linked-quarter. During the third quarter of 2025, the company repurchased 662,500 shares of its common stock at an average price of $60.45 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 1,762,500 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, October 14, 2025 to review third 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 <u>investors.hancockwhitney.com</u>. A link to the release with additional financial tables, and a link to a slide presentation related to third 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 8545141.

An audio archive of the conference call will be available under the Investor Relations section of our website. A replay of the call will also be available through October 21, 2025 by dialing 800-770-2030 or 609-800-9909, access code 8545141.

**About Hancock Whitney** 

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

**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.

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

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

**Important Cautionary Statement about Forward-Looking Statements**

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

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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.

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** | **FINANCIAL HIGHLIGHTS** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| *(dollars and common share data in thousands, except per share amounts)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** |
| **NET INCOME** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | **$** | **279738** | $| 276959 | $| 271764 | **$** | **826602** | $| 808365 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (TE) (a) |  | **282309** |  | 279455 |  | 274457 |  | **834475** |  | 816716 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses |  | **12651** |  | 14925 |  | 18564 |  | **38038** |  | 40255 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income |  | **106001** |  | 98524 |  | 95895 |  | **299316** |  | 272920 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest expense |  | **212753** |  | 215979 |  | 203839 |  | **633791** |  | 617577 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense |  | **32869** |  | 31048 |  | 29684 |  | **93588** |  | 84712 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income | **$** | **127466** | $| 113531 | $| 115572 | **$** | **360501** | $| 338741 |
| **Supplemental disclosure items - included above, pre-tax** |  |  |  |  |  |  |  |  |  |  |
| Included in noninterest expense |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Sabal Trust Company acquisition expense | **$** | **—** | $| 5911 | $|  | **$** | **5911** | $|  |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC special assessment |  | **—** |  |  |  |  |  | **—** |  | 3800 |
| **PERIOD-END BALANCE SHEET DATA** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans | **$** | **23596565** | $| 23461750 | $| 23455587 | **$** | **23596565** | $| 23455587 |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities |  | **7991281** |  | 7868011 |  | 7769780 |  | **7991281** |  | 7769780 |
| &nbsp;&nbsp;&nbsp;&nbsp;Earning assets |  | **32532320** |  | 31965130 |  | 32045222 |  | **32532320** |  | 32045222 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets |  | **35766407** |  | 35212652 |  | 35238107 |  | **35766407** |  | 35238107 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing deposits |  | **10305303** |  | 10638785 |  | 10499476 |  | **10305303** |  | 10499476 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits |  | **28659750** |  | 29046612 |  | 28982905 |  | **28659750** |  | 28982905 |
| &nbsp;&nbsp;&nbsp;&nbsp;Common stockholders' equity |  | **4474479** |  | 4365419 |  | 4174687 |  | **4474479** |  | 4174687 |
| **AVERAGE BALANCE SHEET DATA** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans | **$** | **23425895** | $| 23249241 | $| 23552002 | **$** | **23249212** | $| 23759083 |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities (b) |  | **8383771** |  | 8271777 |  | 8218896 |  | **8299542** |  | 8210192 |
| &nbsp;&nbsp;&nbsp;&nbsp;Earning assets |  | **32213632** |  | 32081140 |  | 32263748 |  | **32106914** |  | 32452619 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets |  | **34751209** |  | 34527276 |  | 34780386 |  | **34546116** |  | 34959722 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing deposits |  | **10121707** |  | 10317446 |  | 10359390 |  | **10200640** |  | 10519199 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits |  | **28492076** |  | 28649900 |  | 28940163 |  | **28630511** |  | 29189160 |
| &nbsp;&nbsp;&nbsp;&nbsp;Common stockholders' equity |  | **4368746** |  | 4284279 |  | 4021211 |  | **4279294** |  | 3889265 |
| **COMMON SHARE DATA** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Earnings per share - diluted | **$** | **1.49** | $| 1.32 | $| 1.33 | **$** | **4.17** | $| 3.88 |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash dividends per share |  | **0.45** |  | 0.45 |  | 0.40 |  | **1.35** |  | 1.10 |
| &nbsp;&nbsp;&nbsp;&nbsp;Book value per share (period-end) |  | **52.82** |  | 51.15 |  | 48.47 |  | **52.82** |  | 48.47 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible book value per share (period-end) |  | **41.07** |  | 39.46 |  | 38.10 |  | **41.07** |  | 38.10 |
| &nbsp;&nbsp;&nbsp;&nbsp;Weighted average number of shares - diluted |  | **85453** |  | 85943 |  | 86560 |  | **85977** |  | 86650 |
| &nbsp;&nbsp;&nbsp;&nbsp;Period-end number of shares |  | **84711** |  | 85351 |  | 86136 |  | **84711** |  | 86136 |
| &nbsp;&nbsp;&nbsp;&nbsp;Market data |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;High sales price | **$** | **64.66** | $| 58.24 | $| 57.78 | **$** | **64.66** | $| 57.78 |
| &nbsp;&nbsp;&nbsp;&nbsp;Low sales price |  | **56.87** |  | 43.90 |  | 45.26 |  | **43.90** |  | 41.19 |
| &nbsp;&nbsp;&nbsp;&nbsp;Period-end closing price |  | **62.61** |  | 57.40 |  | 51.17 |  | **62.61** |  | 51.17 |
| &nbsp;&nbsp;&nbsp;&nbsp;Trading volume |  | **51077** |  | 43450 |  | 35017 |  | **136219** |  | 94834 |
| **PERFORMANCE RATIOS** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average assets |  | **1.46%** |  | 1.32% |  | 1.32% |  | **1.40%** |  | 1.29% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average common equity |  | **11.58%** |  | 10.63% |  | 11.43% |  | **11.26%** |  | 11.63% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average tangible common equity |  | **15.00%** |  | 13.71% |  | 14.70% |  | **14.48%** |  | 15.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity ratio (c) |  | **10.01%** |  | 9.84% |  | 9.56% |  | **10.01%** |  | 9.56% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (TE) |  | **3.49%** |  | 3.49% |  | 3.39% |  | **3.47%** |  | 3.36% |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income as a percentage of total revenue (TE) |  | **27.30%** |  | 26.07% |  | 25.89% |  | **26.40%** |  | 25.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio (d) |  | **54.10%** |  | 54.91% |  | 54.42% |  | **54.73%** |  | 55.67% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average loan/deposit ratio |  | **82.22%** |  | 81.15% |  | 81.38% |  | **81.20%** |  | 81.40% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses as a percentage of period-end loans |  | **1.33%** |  | 1.33% |  | 1.35% |  | **1.33%** |  | 1.35% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses as a percentage of period-end loans (e) |  | **1.45%** |  | 1.45% |  | 1.46% |  | **1.45%** |  | 1.46% |
| &nbsp;&nbsp;&nbsp;&nbsp;Annualized net charge-offs to average loans |  | **0.19%** |  | 0.31% |  | 0.30% |  | **0.23%** |  | 0.19% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses as a % of nonaccrual loans |  | **276.20%** |  | 329.94% |  | 382.87% |  | **276.20%** |  | 382.87% |
| &nbsp;&nbsp;&nbsp;FTE headcount |  | **3603** |  | 3580 |  | 3458 |  | **3603** |  | 3458 |
| (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (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. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (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. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** | **QUARTERLY FINANCIAL HIGHLIGHTS** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(dollars and common share data in thousands, except per share amounts)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **12/31/2024** | **12/31/2024** | **9/30/2024** | **9/30/2024** |
| **NET INCOME** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | **$** | **279738** | $| 276959 | $| 269905 | $| 273556 | $| 271764 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income (TE) (a) |  | **282309** |  | 279455 |  | 272711 |  | 276291 |  | 274457 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses |  | **12651** |  | 14925 |  | 10462 |  | 11912 |  | 18564 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income |  | **106001** |  | 98524 |  | 94791 |  | 91209 |  | 95895 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest expense |  | **212753** |  | 215979 |  | 205059 |  | 202333 |  | 203839 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense |  | **32869** |  | 31048 |  | 29671 |  | 28446 |  | 29684 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income | **$** | **127466** | $| 113531 | $| 119504 | $| 122074 | $| 115572 |
| **Supplemental disclosure items - included above, pre-tax** |  |  |  |  |  |  |  |  |  |  |
| Included in noninterest expense |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Sabal Trust Company acquisition expense | **$** | **—** | $| 5911 | $|  | $|  | $|  |
| **PERIOD-END BALANCE SHEET DATA** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans | **$** | **23596565** | $| 23461750 | $| 23098146 | $| 23299447 | $| 23455587 |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities |  | **7991281** |  | 7868011 |  | 7694969 |  | 7597154 |  | 7769780 |
| &nbsp;&nbsp;&nbsp;&nbsp;Earning assets |  | **32532320** |  | 31965130 |  | 31661169 |  | 31857841 |  | 32045222 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets |  | **35766407** |  | 35212652 |  | 34750680 |  | 35081785 |  | 35238107 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing deposits |  | **10305303** |  | 10638785 |  | 10614874 |  | 10597461 |  | 10499476 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits |  | **28659750** |  | 29046612 |  | 29194733 |  | 29492851 |  | 28982905 |
| &nbsp;&nbsp;&nbsp;&nbsp;Common stockholders' equity |  | **4474479** |  | 4365419 |  | 4278672 |  | 4127636 |  | 4174687 |
| **AVERAGE BALANCE SHEET DATA** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans | **$** | **23425895** | $| 23249241 | $| 23068573 | $| 23248512 | $| 23552002 |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities (b) |  | **8383771** |  | 8271777 |  | 8241514 |  | 8257061 |  | 8218896 |
| &nbsp;&nbsp;&nbsp;&nbsp;Earning assets |  | **32213632** |  | 32081140 |  | 32023885 |  | 32333012 |  | 32263748 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets |  | **34751209** |  | 34527276 |  | 34355515 |  | 34770663 |  | 34780386 |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest-bearing deposits |  | **10121707** |  | 10317446 |  | 10163221 |  | 10409022 |  | 10359390 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits |  | **28492076** |  | 28649900 |  | 28752416 |  | 29108381 |  | 28940163 |
| &nbsp;&nbsp;&nbsp;&nbsp;Common stockholders' equity |  | **4368746** |  | 4284279 |  | 4182814 |  | 4138326 |  | 4021211 |
| **COMMON SHARE DATA** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Earnings per share - diluted | **$** | **1.49** | $| 1.32 | $| 1.38 | $| 1.40 | $| 1.33 |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash dividends per share |  | **0.45** |  | 0.45 |  | 0.45 |  | 0.40 |  | 0.40 |
| &nbsp;&nbsp;&nbsp;&nbsp;Book value per share (period-end) |  | **52.82** |  | 51.15 |  | 49.73 |  | 47.93 |  | 48.47 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible book value per share (period-end) |  | **41.07** |  | 39.46 |  | 39.40 |  | 37.58 |  | 38.10 |
| &nbsp;&nbsp;&nbsp;&nbsp;Weighted average number of shares - diluted |  | **85453** |  | 85943 |  | 86462 |  | 86602 |  | 86560 |
| &nbsp;&nbsp;&nbsp;&nbsp;Period-end number of shares |  | **84711** |  | 85351 |  | 86033 |  | 86124 |  | 86136 |
| &nbsp;&nbsp;&nbsp;&nbsp;Market data |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;High sales price | **$** | **64.66** | $| 58.24 | $| 61.57 | $| 62.40 | $| 57.78 |
| &nbsp;&nbsp;&nbsp;&nbsp;Low sales price |  | **56.87** |  | 43.90 |  | 49.46 |  | 48.36 |  | 45.26 |
| &nbsp;&nbsp;&nbsp;&nbsp;Period-end closing price |  | **62.61** |  | 57.40 |  | 52.45 |  | 54.72 |  | 51.17 |
| &nbsp;&nbsp;&nbsp;&nbsp;Trading volume |  | **51077** |  | 43450 |  | 41692 |  | 32670 |  | 35017 |
| **PERFORMANCE RATIOS** |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average assets |  | **1.46%** |  | 1.32% |  | 1.41% |  | 1.40% |  | 1.32% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average common equity |  | **11.58%** |  | 10.63% |  | 11.59% |  | 11.74% |  | 11.43% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average tangible common equity |  | **15.00%** |  | 13.71% |  | 14.72% |  | 14.96% |  | 14.70% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible common equity ratio (c) |  | **10.01%** |  | 9.84% |  | 10.01% |  | 9.47% |  | 9.56% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (TE) |  | **3.49%** |  | 3.49% |  | 3.43% |  | 3.41% |  | 3.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest income as a percentage of total revenue (TE) |  | **27.30%** |  | 26.07% |  | 25.79% |  | 24.82% |  | 25.89% |
| &nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio (d) |  | **54.10%** |  | 54.91% |  | 55.22% |  | 54.46% |  | 54.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average loan/deposit ratio |  | **82.22%** |  | 81.15% |  | 80.23% |  | 79.87% |  | 81.38% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses as a percentage of period-end loans |  | **1.33%** |  | 1.33% |  | 1.38% |  | 1.37% |  | 1.35% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses as a percentage of period-end loans (e) |  | **1.45%** |  | 1.45% |  | 1.49% |  | 1.47% |  | 1.46% |
| &nbsp;&nbsp;&nbsp;&nbsp;Annualized net charge-offs to average loans |  | **0.19%** |  | 0.31% |  | 0.18% |  | 0.20% |  | 0.30% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses as a % of nonaccrual loans |  | **276.20%** |  | 329.94% |  | 305.26% |  | 327.61% |  | 382.87% |
| &nbsp;&nbsp;&nbsp;FTE headcount |  | **3603** |  | 3580 |  | 3497 |  | 3476 |  | 3458 |
| (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (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. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (b) Average securities does not include unrealized holding gains/losses on available for sale securities. | (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. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. | (e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments. |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| *(dollars in thousands, except per share data)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** |
| **NET INCOME** |  |  |  |  |  |  |  |  |  |  |
| Interest income | **$** | **409020** | $| 402581 | $| 429476 | **$** | **1206922** | $| 1278705 |
| Interest income (TE) (f) |  | **411591** |  | 405077 |  | 432169 |  | **1214795** |  | 1287056 |
| Interest expense |  | **129282** |  | 125622 |  | 157712 |  | **380320** |  | 470340 |
| Net interest income (TE) |  | **282309** |  | 279455 |  | 274457 |  | **834475** |  | 816716 |
| Provision for credit losses |  | **12651** |  | 14925 |  | 18564 |  | **38038** |  | 40255 |
| Noninterest income |  | **106001** |  | 98524 |  | 95895 |  | **299316** |  | 272920 |
| Noninterest expense |  | **212753** |  | 215979 |  | 203839 |  | **633791** |  | 617577 |
| Income before income taxes |  | **160335** |  | 144579 |  | 145256 |  | **454089** |  | 423453 |
| Income tax expense |  | **32869** |  | 31048 |  | 29684 |  | **93588** |  | 84712 |
| Net income | **$** | **127466** | $ | 113531 | $ | 115572 | **$** | **360501** | $ | 338741 |
| **Supplemental disclosure items - included above, pre-tax** |  |  |  |  |  |  |  |  |  |  |
| Included in noninterest expense |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Sabal Trust Company acquisition expense | **$** | **—** | **$** | **5911** | $|  | **$** | **5911** | $|  |
| &nbsp;&nbsp;FDIC special assessment |  |  |  |  |  |  |  |  |  | 3800 |
| **NONINTEREST INCOME** |  |  |  |  |  |  |  |  |  |  |
| Service charges on deposit accounts | **$** | **25220** | $| 24256 | $| 23144 | **$** | **73595** | $| 67658 |
| Trust fees |  | **24211** |  | 22753 |  | 18014 |  | **64986** |  | 53564 |
| Bank card and ATM fees |  | **21814** |  | 22004 |  | 21639 |  | **64532** |  | 64088 |
| Investment and annuity fees and insurance commissions |  | **14507** |  | 10603 |  | 10890 |  | **36525** |  | 32523 |
| Secondary mortgage market operations |  | **3475** |  | 4147 |  | 3379 |  | **11090** |  | 9816 |
| Other income |  | **16774** |  | 14761 |  | 18829 |  | **48588** |  | 45271 |
| Total noninterest income | **$** | **106001** | $ | 98524 | $ | 95895 | **$** | **299316** | $ | 272920 |
| **NONINTEREST EXPENSE** |  |  |  |  |  |  |  |  |  |  |
| Personnel expense | **$** | **122022** | $| 116512 | $| 115771 | **$** | **352881** | $| 355654 |
| Net occupancy and equipment expense |  | **18222** |  | 18366 |  | 18127 |  | **54259** |  | 53220 |
| Other real estate and foreclosed assets expense (income), net |  | **(337)** |  | 1181 |  | (411) |  | **2624** |  | (1706) |
| Other expense |  | **70152** |  | 77396 |  | 68060 |  | **216696** |  | 203202 |
| Amortization of intangibles |  | **2694** |  | 2524 |  | 2292 |  | **7331** |  | 7207 |
| Total noninterest expense | **$** | **212753** | $ | 215979 | $ | 203839 | **$** | **633791** | $ | 617577 |
| **COMMON SHARE DATA** |  |  |  |  |  |  |  |  |  |  |
| Earnings per share: |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Basic | **$** | **1.50** | $| 1.32 | $| 1.33 | **$** | **4.20** | $| 3.89 |
| &nbsp;&nbsp;Diluted |  | **1.49** |  | 1.32 |  | 1.33 |  | **4.17** |  | 3.88 |
| (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** | **INCOME STATEMENT** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(in thousands, except per share data)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **12/31/2024** | **12/31/2024** | **9/30/2024** | **9/30/2024** |
| **NET INCOME** |  |  |  |  |  |  |  |  |  |  |
| Interest income | **$** | **409020** | $| 402581 | $| 395321 | $| 414286 | $| 429476 |
| Interest income (TE) (f) |  | **411591** |  | 405077 |  | 398127 |  | 417021 |  | 432169 |
| Interest expense |  | **129282** |  | 125622 |  | 125416 |  | 140730 |  | 157712 |
| Net interest income (TE) |  | **282309** |  | 279455 |  | 272711 |  | 276291 |  | 274457 |
| Provision for credit losses |  | **12651** |  | 14925 |  | 10462 |  | 11912 |  | 18564 |
| Noninterest income |  | **106001** |  | 98524 |  | 94791 |  | 91209 |  | 95895 |
| Noninterest expense |  | **212753** |  | 215979 |  | 205059 |  | 202333 |  | 203839 |
| Income before income taxes |  | **160335** |  | 144579 |  | 149175 |  | 150520 |  | 145256 |
| Income tax expense |  | **32869** |  | 31048 |  | 29671 |  | 28446 |  | 29684 |
| Net income | **$** | **127466** | $ | 113531 | $ | 119504 | $ | 122074 | $ | 115572 |
| **Supplemental disclosure items - included above, pre-tax** |  |  |  |  |  |  |  |  |  |  |
| Included in noninterest expense |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Sabal Trust Company acquisition expense | **$** | **—** | $| 5911 | $|  | $|  | $|  |
| **NONINTEREST INCOME** |  |  |  |  |  |  |  |  |  |  |
| Service charges on deposit accounts | **$** | **25220** | $| 24256 | $| 24119 | $| 23447 | $| 23144 |
| Trust fees |  | **24211** |  | 22753 |  | 18022 |  | 18170 |  | 18014 |
| Bank card and ATM fees |  | **21814** |  | 22004 |  | 20714 |  | 21403 |  | 21639 |
| Investment and annuity fees and insurance commissions |  | **14507** |  | 10603 |  | 11415 |  | 10901 |  | 10890 |
| Secondary mortgage market operations |  | **3475** |  | 4147 |  | 3468 |  | 2558 |  | 3379 |
| Other income |  | **16774** |  | 14761 |  | 17053 |  | 14730 |  | 18829 |
| Total noninterest income | **$** | **106001** | $ | 98524 | $ | 94791 | $ | 91209 | $ | 95895 |
| **NONINTEREST EXPENSE** |  |  |  |  |  |  |  |  |  |  |
| Personnel expense | **$** | **122022** | $| 116512 | $| 114347 | $| 113723 | $| 115771 |
| Net occupancy and equipment expense |  | **18222** |  | 18366 |  | 17671 |  | 17862 |  | 18127 |
| Other real estate and foreclosed assets expense (income), net |  | **(337)** |  | 1181 |  | 1780 |  | (763) |  | (411) |
| Other expense |  | **70152** |  | 77396 |  | 69148 |  | 69305 |  | 68060 |
| Amortization of intangibles |  | **2694** |  | 2524 |  | 2113 |  | 2206 |  | 2292 |
| Total noninterest expense | **$** | **212753** | $ | 215979 | $ | 205059 | $ | 202333 | $ | 203839 |
| **COMMON SHARE DATA** |  |  |  |  |  |  |  |  |  |  |
| Earnings per share: |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Basic | **$** | **1.50** | $| 1.32 | $| 1.38 | $| 1.41 | $| 1.33 |
| &nbsp;&nbsp;Diluted |  | **1.49** |  | 1.32 |  | 1.38 |  | 1.40 |  | 1.33 |
| (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (f) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **PERIOD-END BALANCE SHEET** | **PERIOD-END BALANCE SHEET** | **PERIOD-END BALANCE SHEET** | **PERIOD-END BALANCE SHEET** | **PERIOD-END BALANCE SHEET** | **PERIOD-END BALANCE SHEET** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| *(dollars in thousands)* | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| **ASSETS** |  |  |  |  |  |
| Commercial non-real estate loans | $**9680597** | $9760733 | $9636594 | $9876592 | $9588309 |
| Commercial real estate - owner occupied loans | **3279258** | 3136182 | 3000998 | 3011955 | 3096173 |
| Total commercial and industrial loans | **12959855** | 12896915 | 12637592 | 12888547 | 12684482 |
| Commercial real estate - income producing loans | **4076643** | 3940309 | 3809664 | 3798612 | 3988661 |
| Construction and land development loans | **1197305** | 1219514 | 1287919 | 1281115 | 1423615 |
| Residential mortgage loans | **4027600** | 4057307 | 4025145 | 3961328 | 3988309 |
| Consumer loans | **1335162** | 1347705 | 1337826 | 1369845 | 1370520 |
| Total loans | **23596565** | 23461750 | 23098146 | 23299447 | 23455587 |
| Loans held for sale | **33161** | 30760 | 26596 | 21525 | 24624 |
| Securities | **7991281** | 7868011 | 7694969 | 7597154 | 7769780 |
| Short-term investments | **911313** | 604609 | 841458 | 939715 | 795231 |
| Earning assets | **32532320** | 31965130 | 31661169 | 31857841 | 32045222 |
| Allowance for loan losses | **(313636)** | (313189) | (318119) | (318882) | (317271) |
| Goodwill and other intangible assets | **995096** | 997790 | 888563 | 890677 | 892883 |
| Other assets | **2552627** | 2562921 | 2519067 | 2652149 | 2617273 |
| Total assets | $**35766407** | $35212652 | $34750680 | $35081785 | $35238107 |
| **LIABILITIES** |  |  |  |  |  |
| Noninterest-bearing deposits | $**10305303** | $10638785 | $10614874 | $10597461 | $10499476 |
| Interest-bearing transaction and savings deposits | **11758885** | 11480849 | 11400171 | 11308645 | 10895521 |
| Interest-bearing public fund deposits | **2799957** | 2985985 | 3004316 | 3212500 | 2704106 |
| Time deposits | **3795605** | 3940993 | 4175372 | 4374245 | 4883802 |
| Total interest-bearing deposits | **18354447** | 18407827 | 18579859 | 18895390 | 18483429 |
| Total deposits | **28659750** | 29046612 | 29194733 | 29492851 | 28982905 |
| Short-term borrowings | **1891520** | 1044927 | 542780 | 639015 | 1265944 |
| Long-term debt | **210657** | 210620 | 210582 | 210544 | 236431 |
| Other liabilities | **530001** | 545074 | 523913 | 611739 | 578140 |
| Total liabilities | **31291928** | 30847233 | 30472008 | 30954149 | 31063420 |
| **COMMON STOCKHOLDERS' EQUITY** | **COMMON STOCKHOLDERS' EQUITY** |  |  |  |  |
| Common stock net of treasury and capital surplus | **1943187** | 1976208 | 2008987 | 2029122 | 2032599 |
| Retained earnings | **2947752** | 2859038 | 2784657 | 2704606 | 2617584 |
| Accumulated other comprehensive (loss) | **(416460)** | (469827) | (514972) | (606092) | (475496) |
| Total common stockholders' equity | **4474479** | 4365419 | 4278672 | 4127636 | 4174687 |
| Total liabilities & stockholders' equity | $**35766407** | $35212652 | $34750680 | $35081785 | $35238107 |
| **CAPITAL RATIOS** |  |  |  |  |  |
| Tangible common equity | $**3479383** | $3367629 | $3390109 | $3236959 | $3281804 |
| Tier 1 capital (g) | **3923114** | 3864727 | 3931841 | 3886926 | 3800864 |
| Common equity as a percentage of total assets | **12.51%** | 12.40% | 12.31% | 11.77% | 11.85% |
| Tangible common equity ratio | **10.01%** | 9.84% | 10.01% | 9.47% | 9.56% |
| Leverage (Tier 1) ratio (g) | **11.46%** | 11.35% | 11.55% | 11.29% | 11.03% |
| Common equity tier 1 (CET1) ratio (g) | **14.08%** | 13.97% | 14.48% | 14.14% | 13.78% |
| Tier 1 risk-based capital ratio (g) | **14.08%** | 13.97% | 14.48% | 14.14% | 13.78% |
| Total risk-based capital ratio (g) | **15.91%** | 15.82% | 16.37% | 15.93% | 15.56% |
| (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. | (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. | (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. | (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. | (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. | (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. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **AVERAGE BALANCE SHEET** | **AVERAGE BALANCE SHEET** | **AVERAGE BALANCE SHEET** | **AVERAGE BALANCE SHEET** | **AVERAGE BALANCE SHEET** | **AVERAGE BALANCE SHEET** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| *(in thousands)* | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| **ASSETS** |  |  |  |  |  |
| Commercial non-real estate loans | $**9646077** | $9687575 | $9631318 | $**9655233** | $9758388 |
| Commercial real estate - owner occupied loans | **3195141** | 3040258 | 3092836 | **3078016** | 3086179 |
| Total commercial and industrial loans | **12841218** | 12727833 | 12724154 | **12733249** | 12844567 |
| Commercial real estate - income producing loans | **4016842** | 3879443 | 4028195 | **3911615** | 4035934 |
| Construction and land development loans | **1183117** | 1225418 | 1427592 | **1226941** | 1499923 |
| Residential mortgage loans | **4052310** | 4081987 | 3996986 | **4038261** | 3986899 |
| Consumer loans | **1332408** | 1334560 | 1375075 | **1339146** | 1391760 |
| Total loans | **23425895** | 23249241 | 23552002 | **23249212** | 23759083 |
| Loans held for sale | **22162** | 24423 | 26565 | **22378** | 22344 |
| Securities (h) | **8383771** | 8271777 | 8218896 | **8299542** | 8210192 |
| Short-term investments | **381804** | 535699 | 466285 | **535782** | 461000 |
| Earning assets | **32213632** | 32081140 | 32263748 | **32106914** | 32452619 |
| Allowance for loan losses | **(316542)** | (323273) | (317969) | **(320819)** | (315229) |
| Goodwill and other intangible assets | **996408** | 961675 | 893997 | **949616** | 896361 |
| Other assets | **1857711** | 1807734 | 1940610 | **1810405** | 1925971 |
| Total assets | $**34751209** | $34527276 | $34780386 | $**34546116** | $34959722 |
| **LIABILITIES AND COMMON STOCKHOLDERS' EQUITY** |  |  |  |  |  |
| Noninterest-bearing deposits | $**10121707** | $10317446 | $10359390 | $**10200640** | $10519199 |
| Interest-bearing transaction and savings deposits | **11662596** | 11341852 | 10905268 | **11403964** | 10812730 |
| Interest-bearing public fund deposits | **2847336** | 2946187 | 2770592 | **2968184** | 2951764 |
| Time deposits | **3860437** | 4044415 | 4904913 | **4057723** | 4905467 |
| Total interest-bearing deposits | **18370369** | 18332454 | 18580773 | **18429871** | 18669961 |
| Total deposits | **28492076** | 28649900 | 28940163 | **28630511** | 29189160 |
| Short-term borrowings | **1135304** | 853652 | 972148 | **876749** | 965036 |
| Long-term debt | **210639** | 211145 | 236412 | **210783** | 236374 |
| Other liabilities | **544444** | 528300 | 610452 | **548779** | 679887 |
| Common stockholders' equity | **4368746** | 4284279 | 4021211 | **4279294** | 3889265 |
| Total liabilities & stockholders' equity | $**34751209** | $34527276 | $34780386 | $**34546116** | $34959722 |
| (h) Average securities does not include unrealized holding gains/losses on available for sale securities. | (h) Average securities does not include unrealized holding gains/losses on available for sale securities. | (h) Average securities does not include unrealized holding gains/losses on available for sale securities. | (h) Average securities does not include unrealized holding gains/losses on available for sale securities. | (h) Average securities does not include unrealized holding gains/losses on available for sale securities. | (h) Average securities does not include unrealized holding gains/losses on available for sale securities. |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
|  | **9/30/2025** | **9/30/2025** | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **6/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2024** | **9/30/2024** | **9/30/2024** |
| *(dollars in millions)* | **Average<br> Balance** | **Interest** | **Interest** | **Rate** | **Average<br> Balance** | **Average<br> Balance** | **Interest** | **Interest** | **Rate** | Average<br> Balance | Average<br> Balance | Interest | Interest | Rate |
| **AVERAGE EARNING ASSETS** | **AVERAGE EARNING ASSETS** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Commercial & real estate loans (TE) (i) | **18041.2** | **$** | **277.9** | **6.12%** | $| 17832.7 | $| 271.1 | 6.10% | $| 18179.9 | $| 298.5 | 6.53% |
| Residential mortgage loans | **4052.3** |  | **40.6** | **4.00%** |  | 4082.0 |  | 41.6 | 4.07% |  | 3997.0 |  | 39.9 | 3.99% |
| Consumer loans | **1332.4** |  | **27.7** | **8.25%** |  | 1334.5 |  | 27.8 | 8.34% |  | 1375.1 |  | 30.6 | 8.85% |
| Loan fees & late charges | **—** |  | **(0.3)** | **0.00%** |  |  |  | (0.6) | 0.00% |  |  |  | 1.9 | 0.00% |
| Total loans (TE) (j) (k) | **23425.9** |  | **345.9** | **5.87%** |  | 23249.2 |  | 339.9 | 5.86% |  | 23552.0 |  | 370.9 | 6.27% |
| Loans held for sale | **22.2** |  | **0.4** | **6.73%** |  | 24.4 |  | 0.4 | 6.55% |  | 26.5 |  | 0.6 | 8.63% |
| US Treasury and government agency securities | **661.7** |  | **5.4** | **3.25%** |  | 628.9 |  | 5.0 | 3.16% |  | 556.4 |  | 4.1 | 2.92% |
| CMOs and mortgage backed securities | **6962.1** |  | **50.3** | **2.89%** |  | 6864.2 |  | 48.4 | 2.82% |  | 6807.9 |  | 44.2 | 2.60% |
| Municipals (TE) | **742.5** |  | **5.5** | **2.96%** |  | 761.2 |  | 5.6 | 2.95% |  | 831.1 |  | 6.2 | 2.96% |
| Other securities | **17.4** |  | **0.1** | **3.72%** |  | 17.5 |  | 0.1 | 3.69% |  | 23.5 |  | 0.2 | 3.86% |
| Total securities (TE) (l) | **8383.7** |  | **61.3** | **2.92%** |  | 8271.8 |  | 59.1 | 2.86% |  | 8218.9 |  | 54.7 | 2.66% |
| Total short-term investments | **381.8** |  | **4.0** | **4.19%** |  | 535.7 |  | 5.7 | 4.28% |  | 466.3 |  | 6.0 | 5.16% |
| Average earning assets yield (TE) | **32213.6** | **$** | **411.6** | **5.08%** | $| 32081.1 | $| 405.1 | 5.06% | $| 32263.7 | $| 432.2 | 5.34% |
| **INTEREST-BEARING LIABILITIES** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Interest-bearing transaction and savings deposits | **11662.6** | **$** | **63.1** | **2.15%** | $| 11341.9 | $| 59.7 | 2.11% | $| 10905.3 | $| 65.1 | 2.37% |
| Time deposits | **3860.5** |  | **34.0** | **3.50%** |  | 4044.4 |  | 35.9 | 3.57% |  | 4904.9 |  | 57.5 | 4.66% |
| Public funds | **2847.3** |  | **21.0** | **2.93%** |  | 2946.2 |  | 22.1 | 3.01% |  | 2770.6 |  | 24.6 | 3.54% |
| Total interest-bearing deposits | **18370.4** |  | **118.1** | **2.55%** |  | 18332.5 |  | 117.7 | 2.58% |  | 18580.8 |  | 147.2 | 3.15% |
| Short-term borrowings | **1135.3** |  | **8.2** | **2.87%** |  | 853.7 |  | 4.9 | 2.29% |  | 972.2 |  | 7.4 | 3.04% |
| Long-term debt | **210.6** |  | **3.0** | **5.66%** |  | 211.1 |  | 3.0 | 5.67% |  | 236.4 |  | 3.1 | 5.18% |
| Total borrowings | **1345.9** |  | **11.2** | **3.30%** |  | 1064.8 |  | 7.9 | 2.96% |  | 1208.6 |  | 10.5 | 3.46% |
| Total interest-bearing liabilities cost | **19716.3** |  | **129.3** | **2.60%** |  | 19397.3 |  | 125.6 | 2.60% |  | 19789.4 |  | 157.7 | 3.17% |
| Net interest-free funding sources | **12497.3** |  |  |  |  | 12683.8 |  |  |  |  | 12474.3 |  |  |  |
| Total cost of funds | **32213.6** |  | **129.3** | **1.59%** |  | 32081.1 |  | 125.6 | 1.57% |  | 32263.7 |  | 157.7 | 1.94% |
| Net Interest Spread (TE) |  | **$** | **282.3** | **2.48%** |  |  | $| 279.5 | 2.46% |  |  | $| 274.5 | 2.17% |
| Net Interest Margin (TE) | **32213.6** | **$** | **282.3** | **3.49%** | $ | 32081.1 | $ | 279.5 | 3.49% | $ | 32263.7 | $ | 274.5 | 3.39% |
| (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. |
| (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. |
| (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $0.5 million for the three months ended September 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. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** | **AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
|  | **9/30/2025** | **9/30/2025** | **9/30/2025** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2024** | **9/30/2024** | **9/30/2024** |
| *(dollars in millions)* | **Average<br> Balance** | **Average<br> Balance** | **Interest** | **Interest** | **Rate** | **Average<br> Balance** | **Average<br> Balance** | **Interest** | **Interest** | **Rate** |
| **AVERAGE EARNING ASSETS** |  |  |  |  |  |  |  |  |  |  |
| Commercial & real estate loans (TE) (i) | **$** | **17871.8** | **$** | **816.1** | **6.10%** | $| 18380.4 | $| 895.6 | 6.51% |
| Residential mortgage loans |  | **4038.3** |  | **120.8** | **3.99%** |  | 3986.9 |  | 114.5 | 3.83% |
| Consumer loans |  | **1339.1** |  | **83.1** | **8.29%** |  | 1391.8 |  | 92.5 | 8.88% |
| Loan fees & late charges |  | **—** |  | **(1.1)** | **0.00%** |  |  |  | 4.8 | 0.00% |
| Total loans (TE) (j) (k) |  | **23249.2** |  | **1018.9** | **5.86%** |  | 23759.1 |  | 1107.4 | 6.22% |
| Loans held for sale |  | **22.4** |  | **1.1** | **6.66%** |  | 22.3 |  | 1.3 | 7.88% |
| US Treasury and government agency securities |  | **626.7** |  | **14.8** | **3.14%** |  | 534.7 |  | 11.2 | 2.80% |
| CMOs and mortgage backed securities |  | **6886.5** |  | **145.4** | **2.81%** |  | 6802.6 |  | 129.8 | 2.54% |
| Municipals (TE) |  | **768.7** |  | **17.0** | **2.96%** |  | 849.4 |  | 18.9 | 2.96% |
| Other securities |  | **17.6** |  | **0.5** | **3.68%** |  | 23.5 |  | 0.7 | 3.74% |
| Total securities (TE) (l) |  | **8299.5** |  | **177.7** | **2.85%** |  | 8210.2 |  | 160.6 | 2.61% |
| Total short-term investments |  | **535.8** |  | **17.1** | **4.27%** |  | 461.0 |  | 17.7 | 5.13% |
| Average earning assets yield (TE) | **$** | **32106.9** | **$** | **1214.8** | **5.05%** | $| 32452.6 | $| 1287.0 | 5.30% |
| **INTEREST-BEARING LIABILITIES** |  |  |  |  |  |  |  |  |  |  |
| Interest-bearing transaction and savings deposits | **$** | **11404.0** | **$** | **180.1** | **2.11%** | $| 10812.7 | $| 186.6 | 2.31% |
| Time deposits |  | **4057.7** |  | **109.9** | **3.62%** |  | 4905.5 |  | 173.3 | 4.72% |
| Public funds |  | **2968.2** |  | **66.4** | **2.99%** |  | 2951.8 |  | 79.4 | 3.59% |
| Total interest-bearing deposits |  | **18429.9** |  | **356.4** | **2.59%** |  | 18670.0 |  | 439.3 | 3.14% |
| Short-term borrowings |  | **876.7** |  | **14.9** | **2.27%** |  | 965.0 |  | 21.8 | 3.02% |
| Long-term debt |  | **210.8** |  | **9.0** | **5.72%** |  | 236.4 |  | 9.2 | 5.19% |
| Total borrowings |  | **1087.5** |  | **23.9** | **2.94%** |  | 1201.4 |  | 31.0 | 3.45% |
| Total interest-bearing liabilities cost |  | **19517.4** |  | **380.3** | **2.61%** |  | 19871.4 |  | 470.3 | 3.16% |
| Net interest-free funding sources |  | **12589.5** |  |  |  |  | 12581.2 |  |  |  |
| Total cost of funds |  | **32106.9** |  | **380.3** | **1.58%** |  | 32452.6 |  | 470.3 | 1.94% |
| Net Interest Spread (TE) |  |  | **$** | **834.5** | **2.45%** |  |  | $| 816.7 | 2.13% |
| Net Interest Margin (TE) | **$** | **32106.9** | **$** | **834.5** | **3.47%** | $ | 32452.6 | $ | 816.7 | 3.36% |
| (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (i) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. |
| (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. | (j) Includes nonaccrual loans. |
| (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 30, 2024. There was no net purchase accounting accretion in 2025. | (k) Included in interest income is net purchase accounting accretion of $1.6 million for the nine months ended September 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. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. | (l) Average securities does not include unrealized holding gains/losses on available for sale securities. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| *(dollars in thousands)* | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| Nonaccrual loans (m) | $**113554** | $94922 | $82866 | $**113554** | $82866 |
| ORE and foreclosed assets | **11140** | 26847 | 27732 | **11140** | 27732 |
| Total nonaccrual loans + ORE and foreclosed assets | $**124694** | $121769 | $110598 | $**124694** | $110598 |
| Nonaccrual loans as a percentage of loans | **0.48%** | 0.40% | 0.35% | **0.48%** | 0.35% |
| Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets | **0.53%** | 0.52% | 0.47% | **0.53%** | 0.47% |
| Accruing loans 90 days past due | $**24576** | $58702 | $5967 | $**24576** | $5967 |
| Accruing loans 90 days past due as a percentage of loans | **0.10%** | 0.25% | 0.03% | **0.10%** | 0.03% |
| Modified loans - still accruing | $**82218** | $62234 | $90156 | $**82218** | $90156 |
| Modified loans - still accruing as a % of loans | **0.35%** | 0.27% | 0.38% | **0.35%** | 0.38% |
| **PROVISION AND ALLOWANCE FOR CREDIT LOSSES:** |  |  |  |  |  |
| **Allowance for loan losses:** |  |  |  |  |  |
| Beginning balance | $**313189** | $318119 | $316148 | $**318882** | $307907 |
| Provision for loan losses | **11877** | 12856 | 19150 | **34217** | 43656 |
| Charge-offs | **(15736)** | (22328) | (21113) | **(51357)** | (56430) |
| Recoveries | **4306** | 4542 | 3086 | **11894** | 22138 |
| Net charge-offs | **(11430)** | (17786) | (18027) | **(39463)** | (34292) |
| Ending Balance | $**313636** | $313189 | $317271 | $**313636** | $317271 |
| **Reserve for unfunded lending commitments:** | **Reserve for unfunded lending commitments:** |  |  |  |  |
| Beginning balance | $**27100** | $25031 | $26079 | $**24053** | $28894 |
| Provision for losses on unfunded lending commitments | **774** | 2069 | (586) | **3821** | (3401) |
| Ending balance | $**27874** | $27100 | $25493 | $**27874** | $25493 |
| **Total allowance for credit losses** | $**341510** | $340289 | $342764 | $**341510** | $342764 |
| **Total provision for credit losses** | $**12651** | $14925 | $18564 | $**38038** | $40255 |
| Allowance for loan losses as a percentage of period-end loans | **1.33%** | 1.33% | 1.35% | **1.33%** | 1.35% |
| Allowance for credit losses as a percentage of period-end loans | **1.45%** | 1.45% | 1.46% | **1.45%** | 1.46% |
| Allowance for loan losses as a % of nonaccrual loans | **276.20%** | 329.94% | 382.87% | **276.20%** | 382.87% |
| **NET CHARGE-OFF INFORMATION** |  |  |  |  |  |
| Net charge-offs (recoveries): |  |  |  |  |  |
| Commercial & real estate loans | $**7472** | $14704 | $14464 | $**29236** | $23830 |
| Residential mortgage loans | **181** | 196 | 28 | **157** | (201) |
| Consumer loans | **3777** | 2886 | 3535 | **10070** | 10663 |
| Total net charge-offs | $**11430** | $17786 | $18027 | $**39463** | $34292 |
| Net charge-offs (recoveries) as a percentage of average loans: |  |  |  |  |  |
| Commercial & real estate loans | **0.16%** | 0.33% | 0.32% | **0.22%** | 17.00% |
| Residential mortgage loans | **0.02%** | 0.02% | 0.00% | **0.01%** | (0.01)% |
| Consumer loans | **1.12%** | 0.87% | 1.02% | **1.01%** | 1.02% |
| Total net charge-offs as a percentage of average loans | **0.19%** | 0.31% | 0.30% | **0.23%** | 0.19% |
| **AVERAGE LOANS** |  |  |  |  |  |
| Commercial & real estate loans | $**18041177** | $17832694 | $18179941 | $17871805 | $18380424 |
| Residential mortgage loans | **4052310** | 4081987 | 3996986 | 4038261 | 3986899 |
| Consumer loans | **1332408** | 1334560 | 1375075 | 1339146 | 1391760 |
| Total average loans | $**23425895** | $23249241 | $23552002 | $23249212 | $23759083 |
| (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, and $5.4 million at September 30, 2024. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** | **ASSET QUALITY INFORMATION** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(dollars in thousands)* | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| Nonaccrual loans (m) | $**113554** | $94922 | $104214 | $97335 | $82866 |
| ORE and foreclosed assets | **11140** | 26847 | 26690 | 27797 | 27732 |
| Total nonaccrual loans + ORE and foreclosed assets | $**124694** | $121769 | $130904 | $125132 | $110598 |
| Nonaccrual loans as a percentage of loans | **0.48%** | 0.40% | 0.45% | 0.42% | 0.35% |
| Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets | **0.53%** | 0.52% | 0.57% | 0.54% | 0.47% |
| Accruing loans 90 days past due | $**24576** | $58702 | $15593 | $21852 | $5967 |
| Accruing loans 90 days past due as a percentage of loans | **0.10%** | 0.25% | 0.07% | 0.09% | 0.03% |
| Modified loans - still accruing | $**82218** | $62234 | $70617 | $79324 | $90156 |
| Modified loans - still accruing as a % of loans | **0.35%** | 0.27% | 0.31% | 0.34% | 0.38% |
| **PROVISION AND ALLOWANCE FOR CREDIT LOSSES:** |  |  |  |  |  |
| **Allowance for loan losses:** |  |  |  |  |  |
| Beginning balance | $**313189** | $318119 | $318882 | $317271 | $316148 |
| Provision for loan losses | **11877** | 12856 | 9484 | 13352 | 19150 |
| Charge-offs | **(15736)** | (22328) | (13293) | (16654) | (21113) |
| Recoveries | **4306** | 4542 | 3046 | 4913 | 3086 |
| Net charge-offs | **(11430)** | (17786) | (10247) | (11741) | (18027) |
| Ending Balance | $**313636** | $313189 | $318119 | $318882 | $317271 |
| **Reserve for unfunded lending commitments:** |  |  |  |  |  |
| Beginning balance | $**27100** | $25031 | $24053 | $25493 | $26079 |
| Provision for losses on unfunded lending commitments | **774** | 2069 | 978 | (1440) | (586) |
| Ending balance | $**27874** | $27100 | $25031 | $24053 | $25493 |
| **Total allowance for credit losses** | $**341510** | $340289 | $343150 | $342935 | $342764 |
| **Total provision for credit losses** | $**12651** | $14925 | $10462 | $11912 | $18564 |
| Allowance for loan losses as a percentage of period-end loans | **1.33%** | 1.33% | 1.38% | 1.37% | 1.35% |
| Allowance for credit losses as a percentage of period-end loans | **1.45%** | 1.45% | 1.49% | 1.47% | 1.46% |
| Allowance for loan losses as a % of nonaccrual loans | **276.20%** | 329.94% | 305.26% | 327.61% | 382.87% |
| **NET CHARGE-OFF INFORMATION** |  |  |  |  |  |
| Net charge-offs (recoveries) |  |  |  |  |  |
| Commercial & real estate loans | $**7472** | $14704 | $7060 | $7488 | $14464 |
| Residential mortgage loans | **181** | 196 | (220) | (14) | 28 |
| Consumer loans | **3777** | 2886 | 3407 | 4267 | 3535 |
| Total net charge-offs | $**11430** | $17786 | $10247 | $11741 | $18027 |
| Net charge-offs (recoveries) as a percentage of average loans: |  |  |  |  |  |
| Commercial & real estate loans | **0.16%** | 0.33% | 0.16% | 0.17% | 0.32% |
| Residential mortgage loans | **0.02%** | 0.02% | (0.02)% | (0.00)% | 0.00% |
| Consumer loans | **1.12%** | 0.87% | 1.02% | 1.24% | 1.02% |
| Total net charge-offs as a percentage of average loans: | **0.19%** | 0.31% | 0.18% | 0.20% | 0.30% |
| **AVERAGE LOANS** |  |  |  |  |  |
| Commercial & real estate loans | $**18041177** | $17832694 | $17738216 | $17915970 | $18179941 |
| Residential mortgage loans | **4052310** | 4081987 | 3979689 | 3967895 | 3996986 |
| Consumer loans | **1332408** | 1334560 | 1350668 | 1364647 | 1375075 |
| Total average loans | $**23425895** | $23249241 | $23068573 | $23248512 | $23552002 |
| (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, $25.0 million at March 31, 2025, $20.2 million at December 31, 2024, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, $25.0 million at March 31, 2025, $20.2 million at December 31, 2024, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, $25.0 million at March 31, 2025, $20.2 million at December 31, 2024, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, $25.0 million at March 31, 2025, $20.2 million at December 31, 2024, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, $25.0 million at March 31, 2025, $20.2 million at December 31, 2024, and $5.4 million at September 30, 2024. | (m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $9.3 million at September 30, 2025, $13.1 million at June 30, 2025, $25.0 million at March 31, 2025, $20.2 million at December 31, 2024, and $5.4 million at September 30, 2024. |

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** | **HANCOCK WHITNEY CORPORATION** |
| **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** | **Appendix A to the Earnings Release** |
| **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** | **Reconciliation of Non-GAAP Measure** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** | **PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| *(in thousands)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **12/31/2024** | **12/31/2024** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** |
| Net Income (GAAP) | **$** | **127466** | $| 113531 | $| 119504 | $| 122074 | $| 115572 | **$** | **360501** | $338741 |
| Provision for credit losses |  | **12651** |  | 14925 |  | 10462 |  | 11912 |  | 18564 |  | **38038** | 40255 |
| Income tax expense |  | **32869** |  | 31048 |  | 29671 |  | 28446 |  | 29684 |  | **93588** | 84712 |
| Pre-provision net revenue |  | **172986** |  | 159504 |  | 159637 |  | 162432 |  | 163820 |  | **492127** | 463708 |
| Taxable equivalent adjustment (n) |  | **2571** |  | 2496 |  | 2806 |  | 2735 |  | 2693 |  | **7873** | 8351 |
| Pre-provision net revenue (TE) |  | **175557** |  | 162000 |  | 162443 |  | 165167 |  | 166513 |  | **500000** | 472059 |
| Adjustments from supplemental disclosure items |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Sabal Trust Company acquisition expense |  | **—** |  | 5911 |  |  |  |  |  |  |  | **5911** |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment |  | **—** |  | **—** |  |  |  |  |  |  |  | **—** | 3800 |
| Adjusted pre-provision net revenue (TE) | **$** | **175557** | $| 167911 | $| 162443 | $| 165167 | $| 166513 | **$** | **505911** | $475859 |
| **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** | **REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| *(in thousands)* | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **3/31/2025** | **3/31/2025** | **12/31/2024** | **12/31/2024** | **9/30/2024** | **9/30/2024** | **9/30/2025** | **9/30/2025** | **9/30/2024** |
| Net interest income | **$** | **279738** | $| 276959 | $| 269905 | $| 273556 | $| 271764 | **$** | **826602** | $808365 |
| Noninterest income |  | **106001** |  | 98524 |  | 94791 |  | 91209 |  | 95895 |  | **299316** | 272920 |
| Total GAAP revenue |  | **385739** |  | 375483 |  | 364696 |  | 364765 |  | 367659 |  | **1125918** | 1081285 |
| Taxable equivalent adjustment (n) |  | **2571** |  | 2496 |  | 2806 |  | 2735 |  | 2693 |  | **7873** | 8351 |
| Total revenue (TE) | **$** | **388310** | $| 377979 | $| 367502 | $| 367500 | $| 370352 |  | **1133791** | 1089636 |
| GAAP Noninterest expense | **$** | **212753** | $| 215979 | $| 205059 | $| 202333 | $| 203839 | **$** | **633791** | $617577 |
| Amortization of intangibles |  | **(2694)** |  | (2524) |  | (2113) |  | (2206) |  | (2292) |  | **(7331)** | (7207) |
| Adjustments from supplemental disclosure items |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Sabal Trust Company acquisition expense |  | **—** |  | (5911) |  |  |  |  |  |  |  | **(5911)** |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment |  | **—** |  | **—** |  |  |  |  |  |  |  | **—** | (3800) |
| Adjusted noninterest expense for efficiency | **$** | **210059** | $| 207544 | $| 202946 | $| 200127 | $| 201547 | **$** | **620549** | $606570 |
| Efficiency ratio (o) |  | **54.10%** |  | 54.91% |  | 55.22% |  | 54.46% |  | 54.42% |  | **54.73%** | 55.67% |
| (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (n) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. | (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. |

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## Exhibit 99.2

![Slide 1](hwc-ex99_2s1.jpg)

Third Quarter 2025Earnings Conference Call 10/14/2025 HANCOCK WHITNEY Exhibit 99.2

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![Slide 2](hwc-ex99_2s2.jpg)

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

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Non-GAAP Reconciliations & Glossary of Terms Throughout this presentation we may use non-GAAP numbers to supplement the evaluation of our performance. The items noted below with an asterisk, "\*", are considered non-GAAP. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements, and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. Reconciliations of those non-GAAP measures to the comparable GAAP measure are included in the appendix to this presentation. The earnings release, financial tables and supporting slide presentation can be found on the company's Investor Relations website at investors.hancockwhitney.com. ABL – Asset Based Lending ACL – Allowance for credit losses AEA – Average Earning Assets AFS – Available for sale securities Annualized – Calculated to reflect a rate based on afull year AOCI – Accumulated other comprehensive income ARM – Adjustable Rate Mortgage B – Dollars in billions Beta – repricing based on a change in market rates BOLI – Bank-owned life insurance bps – basis points Brokered Deposits – deposits obtained directly or indirectly through a deposit broker typically offering higher interest rates C&D – Construction and land development loans CD – Certificate of deposit CET1 – Common Equity Tier 1 Ratio CF – Cash flow CMBS – Commercial mortgage-backed securities CMO – Collateralized mortgage obligations CRE – Commercial real estate CSO – Corporate strategic objective DDA – Noninterest-bearing demand deposit accounts \*Efficiency ratio – noninterest expense to total net interest (TE) and noninterest income, excluding amortization of purchased intangibles and other supplemental disclosure items EOP – End of period EPS – Earnings per share Fed – Federal Reserve Bank FF – Federal Funds FHLB – Federal Home Loan Bank FRB-DW – Federal Reserve Bank Discount Window Free Securities – market value of unencumbered investment securities owned by the bank FTE – Full time equivalent FV – Fair Value 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

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HWC Nasdaq Listed HNCOCK WHITNEY 4 \*Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings As of September 30, 2025 (Healthcare) (ABL) (Operations) (Trust) $35.8 billion in Total Assets $23.6 billion in Total Loans $28.7 billion in Total Deposits CET1 Ratio 14.08%\* TCE Ratio 10.01% $5.3 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

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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.

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HWC Strong and Stable for More Than 125 Years Strength to manage through challenging economic environments Density in resilient deposit markets Stable, seasoned, diversified deposits; ability to organically grow deposits 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

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Revenue Producers Plan initiated in 2024 to hire additional wholesale, business, and wealth management revenue producers Largely in higher-growth MSAs in Texas and Florida Hired 20 net new bankers from 3Q24 to 3Q25, a 9% increase Contributes to expected loan and deposit growth in 2025 Investments will continue into 2026 at commensurate levels Expected ongoing annual expense: $8.5 million Year One of Multi-Year Organic Growth Plan Facility Expansion Five additional financial center locations are planned for Dallas MSA As of September 30, 2025, all locations have been identified; expected to open in late 4Q25 or in 2026 Solid, established leadership in existing Dallas MSA locations Opportunities to expand market share Expected ongoing annual expense: $6.2 million Location of planned hires

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Third Quarter 2025 Highlights Net income totaled $127.5 million, or $1.49 per diluted share, compared to $113.5 million, or $1.32 per diluted share in 2Q25 There were no supplemental disclosure items in 3Q25; 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 Adjusted Pre-Provision Net Revenue (PPNR)\* totaled $175.6 million, up $7.6 million, or 5%, compared to 2Q25 Loans increased $135 million, or 2% LQA (Slide 9) Deposits decreased $387 million, or 5% LQA (Slide 11) Criticized commercial loans continued to moderate and nonaccrual loans increased (Slide 12) ACL coverage solid at 1.45%, unchanged from prior quarter (Slide 13) NIM 3.49%, consistent with prior quarter (Slide 15) CET1 ratio estimated at 14.08%, up 11 bps linked-quarter; TCE ratio at 10.01%, up 17 bps linked-quarter; total risk-based capital estimated at 15.91%, up 9 bps linked-quarter (Slide 19) Efficiency ratio\* of 54.10%, improved 81 bps compared to prior quarter \*Non-GAAP measure: See appendix for non-GAAP reconciliation \*\*Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings ($s in millions; except per share data) 3Q25 2Q25 3Q24 Net income $127.5 $113.5 $115.6 Provision for credit losses $12.7 $14.9 $18.6 Supplemental disclosure items ─ $5.9 ─ Earnings per share – diluted $1.49 $1.32 $1.33 Return on Assets (%) (ROA) 1.46 1.32 1.32 Adjusted ROA (%)\* 1.46 1.37 1.32 Return on Tangible Common Equity (%) (ROTCE) 15.00 13.71 14.70 Adjusted ROTCE (%)\* 15.00 14.27 14.70 Net Interest Margin (TE) (%) 3.49 3.49 3.39 Net Charge-offs (%) 0.19 0.31 0.30 CET1 Ratio (%)\*\* 14.08 13.97 13.78 Tangible Common Equity (%) 10.01 9.84 9.56 Adjusted Pre-Provision Net Revenue (TE)\* $175.6 $167.9 $166.5 Efficiency Ratio (%)\* 54.10 54.91 54.42

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Loan Growth Impacted by Payoffs Bar Chart Loans totaled $23.6 billion, up $135 million, or 2% LQA Diverse growth realized across CRE-Owner, ICRE, and Equipment Finance; growth partially offset by higher payoffs and lower line utilization Line utilization impacted by seasonality and larger payoffs See slide 27 for further detail on this quarter's loan production volume For 2025, we expect year-over-year low-single digit loan growth; expect low-single digit growth in 4Q25

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Loan Portfolio Composition Diversified and De-Risked Total Loans Outstanding % of Total Loans Commitment ($s in millions) Commercial non-RE (C&I) $7,408 31.4% $13,240 CRE – owner 2,713 11.5% 2,885 ICRE 3,619 15.3% 3,771 C&D 1,077 4.5% 2,216 Healthcare (1) 1,885 8.0% 2,388 Equipment Finance 1,362 5.8% 1,362 Energy 170 0.7% 262 Total Commercial $18,234 77.2% $26,124 Mortgage 4,028 17.1% 4,028 Consumer 1,335 5.7% 3,277 Total Loans $23,597 100.0% $33,429 For Information Purposes Only (included in categories above) Retail (C&I and CRE) $2,155 9.1% $2,531 Hospitality (C&I and CRE) $1,268 5.4% $1,425 Office – ICRE $669 2.8% $688 Office – owner $885 3.8% $943 Multifamily – ICRE $1,078 4.6% $1,107 Multifamily – C&D $319 1.4% $984 Loan portfolio diverse across a number of segments and industries Conservative underwriting in both type and structure Underwriting efforts focused on resilient industries and on full-service client relationships Business banking and consumer loans provide depository relationships and favorable yields SNC Loans totaled $2.1 billion at 9/30/25, 8.9% of total loans, down from $2.2 billion or 9.5% of loans at 6/30/25 For additional details on ICRE loans, refer to slide 24 in the appendix As of September 30, 2025 (1) $784 million of healthcare loans outstanding are C&I, $523 million are CRE-Owner, $458 million are ICRE, and $120 million are C&D

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Deposits Impacted by Seasonal Activity Total deposits of $28.7 billion, down $387 million, or 5% LQA Noninterest-bearing DDA decreased $334 million, related to unfavorable seasonality and expected outflows of temporary balances in 3Q25; includes $83 million decrease in public funds DDA DDA as a % of total deposits was 36% in 3Q25, compared to 37% in 2Q25 Increase in interest-bearing transactions and savings of $278 million due to competitive products and pricing Retail time deposits decreased $145 million driven by maturity concentration and promotional rate reductions during 3Q25 Decrease in interest-bearing public funds of $186 million driven by seasonal outflows For additional details on deposit composition refer to slide 28 EOP Deposits Mix ($) EOP Deposits Mix (%) \* Includes Public Funds DDA (down $83 million linked-quarter) $ in millions % of Total Deposits

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Continued Improvement in Commercial Criticized Criticized commercial loans totaled $549 million, or 3.01% of total commercial loans, at September 30, 2025, down $20 million from $569 million, or 3.15% of total commercial loans, in prior quarter Nonaccrual loans totaled $114 million, or 0.48% of total loans, at September 30, 2025, compared to $95 million, or 0.40% 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 $23,456 $23,299 $23,098 $23,462 $23,597 Total Commercial Loans 18,097 17,968 17,735 18,057 18,234 Criticized Commercial Loans 508 623 594 569 549 Nonaccrual Loans 83 97 104 95 114 2.81% 0.35% 3.47% 0.42% $ in millions 3.35% 0.45% 3.15% 0.40% 3.01% 0.48%

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Maintained Solid Reserves Provision for the third quarter of 2025 of $12.7 million, reflects $11.4 million of net charge-offs and a reserve build of $1.3 million Quarter-end reserve coverage solid at 1.45% Weighting applied to Moody's September 2025 economic scenarios was 50% baseline and 50% slower growth (S2), consistent with the second quarter of 2025 Moody's baseline scenario incorporates expected impacts from current macroeconomic conditions; weighting on S2 scenario reflects potential for slower near-term economic growth than provided for in the baseline scenario Net Charge-offs Reserve Build / (Release) Total Provision ($s in millions) 3Q25 2Q25 3Q25 2Q25 3Q25 2Q25 Commercial $7.4 $14.7 $2.6 $(3.3) $10.0 $11.4 Mortgage 0.2 0.2 (1.0) 0.4 (0.8) 0.6 Consumer 3.8 2.9 (0.3) – 3.5 2.9 Total $11.4 $17.8 $1.3 $(2.9) $12.7 $14.9 Portfolio ($ in millions) 9/30/2025 6/30/2025 Amount % of Loan and Leases Outstanding Amount % of Loan and Leases Outstanding Commercial $245 1.35% $243 1.35% Mortgage 43 1.06% 44 1.08% Consumer 26 1.93% 26 1.95% Allowance for Loan and Lease Losses (ALLL) $314 1.33% $313 1.33% Reserve for Unfunded Lending Commitments 28 — 27 — Allowance for Credit Losses (ACL) $342 1.45% $340 1.45%

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Portfolio Reinvestment Drives Yield Increase Securities portfolio\* totaled $8.4 billion at 9/30/25, up $64 million linked-quarter 74% AFS, 26% HTM at 9/30/25 $398 million in notional FV hedges are designated on $432 million in bonds, or 7% of AFS securities; these FV hedges provide flexibility to reposition and/or reprice the hedged assets in a changing rate environment Yield 2.92%, up 6 bps primarily due to portfolio reinvestments and the termination of an $80 million FV hedge during 3Q25 Premium amortization totaled $6.6 million, down $0.1 million linked-quarter Effective duration 3.9 at 9/30/25, unchanged from 3.9 at 6/30/25; lower duration trend offset by termination of FV hedge during 3Q25 that extended purchase duration Net unrealized losses on securities portfolio impacted by lower Treasury yields: Bar chart,pie chart Net Unrealized Loss $ in millions 9/30/2025 6/30/2025 AFS ($410) ($466) HTM ($133) ($148) Total ($543) ($614) \* Excluding unrealized losses and FV hedges adjustment

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3Q25 NIM 3.49%, flat from 2Q25 NIM 3.51% for the month of September 2025 NII (TE) of $282.3 million, up 1% compared to $279.5 million in prior quarter Increase in NII primarily driven by higher earning asset volumes/yields and lower deposit rates, partially offset by unfavorable other borrowing volume and rates Expect modest NIM expansion in 4Q25 Assumes two 25 bp rate cuts in October and December 2025 Modeling of zero rate cut scenario in 4Q25 yields virtually unchanged results NIM Stable 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

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Loans Loans totaled $23.6 billion at September 30, 2025 41% fixed, 59% variable (includes hybrid ARMs) 73% of variable loans tied to SOFR 23% of variable loans tied to Wall Street Journal Prime 4% of variable loans tied to other indices Approximately 4% ($504 million) of the variable rate loan portfolio will strike their index floors at or above a Fed Funds equivalent rate of 2% with a cumulative amount of 24% ($2.8 billion) hitting floor strikes at or above Fed Funds level of 1% Securities Expect to reinvest principal runoff of approximately $200 million and pre-invest $75 million of 1H26 bond maturities during 4Q25 Swaps/Hedges (See slide 32 for more information) $1.7 billion of spot and forward-starting receive fixed/pay 1-month SOFR swaps designated as Cash Flow Hedges on the balance sheet; extends loan duration Two additional Cash Flow hedges were executed while no terminations were completed in 3Q25 $398 million of pay fixed/receive Fed Effective swaps designated as Fair Value Hedges on $432 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; $45 million becomes effective in 4Q25 Deposits Deposits totaled $28.7 billion at September 30, 2025 77% 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 (2Q24-3Q25) Cumulative Expected Beta Total Deposit Betas 29% 31% 37% 34% 37-38% IB Deposit Betas 44% 45% 58% 56% 57-58% Loan Betas 48% 38% 49% 36% 49-50%

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Continued Strong Fee Income Growth Noninterest income totaled $106.0 million, up $7.5 million, or 8% linked-quarter Increase in service charges on deposit accounts of $1.0 million reflects higher client activity Increase in investment & annuity income and insurance from higher fees earned on investment trading and higher annuity sales Increase in trust fees of $1.5 million due to additional month of revenue from the acquisition of Sabal Trust Company Increase in other fee income due to higher syndication fees, gains on sale of leases and SBA loans, and BOLI income, partially offset by lower SBIC income Noninterest Income Mix 9/30/25 $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

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Expenses Remain Well-Controlled Noninterest expense totaled $212.8 million, down $3.2 million, or 1% linked-quarter, from reported 2Q25 noninterest expense of $216.0 million There were no supplemental disclosure items in 3Q25; 2Q25 included $5.9 million of one-time expenses due to the acquisition of Sabal Trust Company Personnel expense increased $6.9 million due to hiring efforts, one additional work day, and higher incentives Other expenses decreased $2.8 million, primarily related to lower data processing and 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) Noninterest Expense Mix 9/30/25 $s in millions \*Non-GAAP measure: see appendix for non-GAAP reconciliation

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Capital Deployed Through Growth; Shareholder Returns CET1 ratio estimated at 14.08%, up 11 bps linked-quarter Leverage (Tier 1) ratio estimated at 11.46%, up 11 bps linked-quarter TCE ratio 10.01%, up 17 bps linked-quarter Total risk-based capital ratio estimated at 15.91%, up 9 bps linked-quarter 662,500 shares of company common stock repurchased during 3Q25 at an average price of $60.45 per share; 2,543,500 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 September 30, 2025\* 10.01% 11.46% 14.08% 15.91% June 30, 2025 9.84% 11.35% 13.97% 15.82% 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% CET1 Ratio 14.08% \*Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings TCE Ratio 10.01%

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2025 Forward Guidance Guidance Direction 3Q25Actual FY 2025Outlook (Includes impact of the acquisition of Sabal Trust Company as of 5/2/2025) Loans (EOP) No change $23.6B Expect EOP loans at 12/31/25 to be up low single digits from 12/31/24 levels Deposits (EOP) No change $28.7B Expect EOP deposits at 12/31/25 to be up low single digits from 12/31/24 levels Net Interest Income (te); NIM (te) No change $282.3MM; 3.49% Expect NII (te) to be up between 3%-4% from FY24; expect modest NIM expansion in 4Q25; guidance based on two 25 bp rate cuts in 4Q25 (October and December 2025) Adjusted Pre-Provision, Net Revenue (PPNR)\* Updated $175.6MM Expect adjusted PPNR to be up between 5%-6% from FY24 adjusted PPNR Reserve for Credit Losses No change $341.5MM, 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 $106.0MM Expect noninterest income to be up 9%-10% from FY24 noninterest income Adjusted Noninterest Expense\* No change $212.8MM Expect adjusted noninterest expense to be up 4%-5% from FY24 adjusted noninterest expense Effective Tax Rate No change 20.5% Approximately 20-21% Efficiency Ratio\* No change 54.10% 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) 3Q25 Actual ROA (Adjusted)\* 1.40 – 1.50% 1.46% TCE ≥ 8% 10.01% ROTCE (Adjusted)\* ≥ 18% 15.00% Efficiency Ratio\* ≤ 55% 54.10% \*Refer to appendix for non-GAAP reconciliations

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

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Change YTD 2025 YTD 2024 Change 3Q25 2Q25 3Q24 LQ Prior Year Y-o-Y EOP Balance Sheet 23,596.6 23,461.7 23,455.6 134.9 141.0 Loans 23,596.6 23,455.6 141.0 7,991.3 7,868.0 7,769.8 123.3 221.5 Securities 7,991.3 7,769.8 221.5 32,532.3 31,965.1 32,045.2 567.2 487.1 Earning assets 32,532.3 32,045.2 487.1 35,766.4 35,212.7 35,238.1 553.7 528.3 Total assets 35,766.4 35,238.1 528.3 28,659.8 29,046.6 28,982.9 (386.8) (323.1) Deposits 28,659.8 28,982.9 (323.1) 1,891.5 1,044.9 1,265.9 846.6 625.6 Short-term borrowings 1,891.5 1,265.9 625.6 31,291.9 30,847.3 31,063.4 444.6 228.5 Total liabilities 31,291.9 31,063.4 228.5 4,474.5 4,365.4 4,174.7 109.1 299.8 Stockholders' equity 4,474.5 4,174.7 299.8 Avg Balance Sheet 23,425.9 23,249.2 23,552.0 176.7 (126.1) Loans 23,249.2 23,759.1 (509.9) 8,383.8 8,271.8 8,218.9 112.0 164.9 Securities (1) 8,299.5 8,210.2 89.3 32,213.6 32,081.1 32,263.7 132.5 (50.1) Average earning assets 32,106.9 32,452.6 (345.7) 34,751.2 34,527.3 34,780.4 223.9 (29.2) Total assets 34,546.1 34,959.7 (413.6) 28,492.1 28,649.9 28,940.2 (157.8) (448.1) Deposits 28,630.5 29,189.2 (558.7) 1,135.3 853.7 972.1 281.6 163.2 Short-term borrowings 876.7 965.0 (88.3) 30,382.5 30,243.0 30,759.2 139.5 (376.7) Total liabilities 30,266.8 31,070.4 (803.6) 4,368.7 4,284.3 4,021.2 84.4 347.5 Stockholders' equity 4,279.3 3,889.3 390.0 5.87% 5.86% 6.27% 1 bps -40 bps Loan yield 5.86% 6.22% -36 bps 2.92% 2.86% 2.66% 6 bps 26 bps Securities yield 2.85% 2.61% 24 bps 2.55% 2.58% 3.15% -3 bps -60 bps Cost of IB deposits 2.59% 3.14% -55 bps 82.33% 80.77% 80.93% 156 bps 140 bps Loan/Deposit ratio - EOP 82.33% 80.93% 140 bps Summary Balance Sheet ($ in millions) (1) Average securities excludes unrealized gain/(loss) Summary Balance Sheet ($ in millions) 4Q20 and YTD 2020 include $2.0 billion and 3Q20 included $2.3 billion in PPP loans, net Average securities excludes unrealized gain /(loss) Change 4Q20 3Q20 4Q19 LQ PY Line Item YTD 2020 YTD 2019 Y-o-Y EOP Balance Sheet $21,789.9 $22,240.2 $21,212.8 ($450.3) $577.1 Loans (1) $21,789.9 $21,212.8 $577.1 7,356.5 7,056.3 6,243.3 300.2 1,113.2 Securities 7,356.5 6,243.3 1,113.2 30,616.3 30,179.1 27,622.2 437.2 2,994.1 Earning Assets 30,616.3 27,622.2 2,994.1 33,638.6 33,193.3 30,600.8 445.3 3,037.8 Total assets 33,638.6 30,600.8 3,037.8 $27,698.0 $27,030.7 $23,803.6 $667.3 $3,894.4 Deposits $27,698.0 $23,803.6 $3,894.4 1,667.5 1,906.9 2,714.9 (239.4) (1,047.4) Short-term borrowings 1,667.5 2,714.9 (1,047.4) 30,199.6 29,817.7 27,133.1 381.9 3,066.5 Total Liabilities 30,199.6 27,133.1 3,066.5 3,439.0 3,375.6 3,467.7 63.4 (28.7) Stockholders' Equity 3,439.0 3,467.7 (28.7) Avg Balance Sheet $22,065.7 $22,407.8 $21,037.9 ($342.1) $1,027.8 Loans $22,166.5 $20,380.0 $1,786.5 6,921.1 6,389.2 6,201.6 531.9 719.5 Securities (2) 6,398.7 5,864.2 534.5 29,875.5 29,412.3 27,441.5 463.2 2,434.0 Average earning assets 29,235.3 26,476.9 2,758.4 33,067.5 32,685.4 30,343.3 382.1 2,724.2 Total assets 32,391.0 29,125.4 3,265.6 $27,040.4 $26,763.8 $23,848.4 $276.6 $3,192.0 Deposits $26,212.3 $23,299.3 $2,913.0 1,779.5 1,733.3 2,393.4 46.2 (613.9) Short-term borrowings 1,978.2 1,942.1 36.1 29,660.8 29,333.8 26,869.6 327.0 2,791.2 Total Liabilities 28,957.9 25,822.8 3,135.1 3,406.6 3,351.6 3,473.7 55.0 (67.1) Stockholders' Equity 3,433.1 3,302.7 130.4 3.99% 3.95% 4.69% 4 bps -70 bps Loan Yield 4.13% 4.81% -68 bps 2.23% 2.31% 2.56% -8 bps -33 bps Securities Yield 2.38% 2.62% -24 bps 0.31% 0.39% 1.11% -8 bps -80 bps Cost of IB Deposits 0.57% 1.25% -68 bps 79% 82% 89% -361 bps -1045 bps Loan/Deposit Ratio (Period End) 79% 89% -1045 bps CHANCOCK WHITNEY 26

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![Slide 23](hwc-ex99_2s23.jpg)

Balance Sheet Summary 3Q24 4Q24 1Q25 2Q25 3Q25 Average Loans ($MM) 23,552 23,249 23,069 23,249 23,426 Average Total Securities\* ($MM) 8,219 8,257 8,242 8,272 8,384 Average Deposits ($MM) 28,940 29,108 28,752 28,650 28,492 Loan Yield (TE) 6.27% 6.02% 5.84% 5.86% 5.87% Cost of Deposits 2.02% 1.85% 1.70% 1.65% 1.64% Tangible Common Equity Ratio 9.56% 9.47% 10.01% 9.84% 10.01% \* Average securities excludes unrealized gain/(loss)

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![Slide 24](hwc-ex99_2s24.jpg)

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 2.8% of total loans Office buildings tend to be more mid-rise Approximately 28% of office-ICRE exposure has medical-related tenants Approximately 95% 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 $5 million or less 88% of office-ICRE exposure has some level of guarantor support (corporate, personal, or both) Multifamily – ICRE and C&D exposure diverse No rent stabilized properties Approximately 75% of multifamily exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) and Nashville, TN 98% of multifamily (ICRE and C&D) exposure has some level of guarantor support (corporate, personal, or both) Total Loans Outstanding % of Total Loans Commitment ($s in millions) Multifamily $1,078 4.6% $1,107 Retail 711 3.0% 743 Office 669 2.8% 688 Industrial 647 2.7% 711 Hospitality(1) 401 1.7% 405 Healthcare related properties 359 1.5% 386 Other 136 0.6% 140 Other land loans 60 0.3% 62 1-4 family residential construction 16 0.1% 16 Total ICRE Loans(2) $4,077 17.3% $4,258 As of September 30, 2025 (1) Includes hotel, motel and restaurants (2) Includes ICRE and $458 million healthcare loans outstanding; healthcare loans outstanding primarily included in healthcare related properties, office, and other collateral categories

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![Slide 25](hwc-ex99_2s25.jpg)

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 $6,013 $430 $920 $1,255 $1,003 $60 $9,681 $6,114 $3,567 CRE-Owner 1,182 71 310 504 1,184 28 3,279 1,138 2,141 CRE- income producing 2,885 165 339 434 252 2 4,077 2,863 1,214 Construction and land development 873 13 64 122 113 12 1,197 873 324 Total Commercial $10,953 $679 $1,633 $2,315 $2,552 $102 $18,234 $10,988 $7,246 Residential mortgages 48 100 195 105 1,561 2,019 4,028 1,652 2,376 Consumer 1,167 44 54 53 16 1 1,335 1,168 167 Total Loans $12,168 $823 $1,882 $2,473 $4,129 $2,122 23,597 $13,808 $9,789 % of Total 52% 3% 8% 10% 18% 9% 100% 59% 41% Weighed Average Rate 6.96% 5.61% 5.28% 6.09% 4.24% 4.66% 6.02% 6.52% 5.24% (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 9% of total variable rate loans, reprice in 5 to 15 years

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![Slide 26](hwc-ex99_2s26.jpg)

Total Loan Rates and Yield Trends $ in millions Total Loan Rate\* - Fixed 4.82% 4.91% 4.98% 5.04% 5.17% 5.24% Total Loan Rate\* - Variable 7.43% 7.26% 6.77% 6.60% 6.58% 6.52% \* Loan rates represent weighted average coupon rate at end of period \*\* Total loan yield includes impact of cash flow hedges

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![Slide 27](hwc-ex99_2s27.jpg)

New Loan Rates Impacted by Rate Environment $ in millions New Loan Rate\* - Fixed 7.41% 7.18% 6.75% 6.84% 6.59% 6.54% New Loan Rate\* - Variable 8.29% 8.06% 7.18% 7.19% 6.87% 6.88% \* Loan rates represent weighted average coupon rate in the month of origination or first funded balance

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![Slide 28](hwc-ex99_2s28.jpg)

Maintaining a Seasoned, Stable, Diversified Deposit Base DDA as a % of total deposits remains strong at 36% at September 30, 2025 Uninsured deposits (adjusted for collateralized public funds) were 39.2% at September 30, 2025, compared to 38.6% at June 30, 2025 The Insured Cash Sweep (ICS) product is available to clients as a way to secure deposits above FDIC limits; balances at September 30, 2025 were $350 million, down from $385 million at June 30, 2025 Repurchase (Repo) agreements are another way for clients to secure deposits; balances at September 30, 2025 were $616 million, compared to $535 million at June 30, 2025 Consumer clients comprise 44% of total deposits (49% including wealth), while commercial clients comprise 40% There were no brokered time deposits at September 30, 2025 or at June 30, 2025

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![Slide 29](hwc-ex99_2s29.jpg)

Currently have approximately $20.2 billion in internal and external sources of liquidity if needed Approximately $17.8 billion in remaining net liquidity available at September 30, 2025 There were no brokered deposits at September 30, 2025 or at June 30, 2025 At September 30, 2025$ in millions TotalSources AmountUsed NetAvailability Internal Sources Free Securities $4,795 $- $4,795 External Sources FHLB\* 6,659 2,408 4,251 FRB-DW 3,294 - 3,294 Brokered Deposits 4,299 - 4,299 Overnight Fed Funds LOCs 1,144 - 1,144 Total Available Sources of Funding $20,191 $2,408 $17,783 Strong Liquidity Position; Multiple Sources of Funding Available At September 30, 2025 $ in millions Cash and O/N $1,426 Cash and O/N as a % of Assets 4.0% Cash and O/N + Net Availability $19,209 Uninsured Deposits excl. PF Deposits $11,245 Cash and O/N + Net Availability to Adj. Uninsured deposits 170.82% \* Amount used includes letters of credit (off balance-sheet)

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![Slide 30](hwc-ex99_2s30.jpg)

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 3Q25 2Q25 3Q24 LQ Prior Year Y-o-Y 282.3 279.5 274.5 2.8 7.8 Net interest income (TE) 834.5 816.7 17.8 12.7 14.9 18.6 (2.2) (5.9) Provision for credit losses 38.0 40.3 (2.3) 106.0 98.5 95.9 7.5 10.1 Noninterest income 299.3 272.9 26.4 212.8 216.0 203.8 (3.2) 9.0 Noninterest expense 633.8 617.6 16.2 160.3 144.6 145.3 15.7 15.0 Income before income tax 454.1 423.5 30.6 32.9 31.0 29.7 1.9 3.2 Inco[me tax expense 93.6 84.7 8.9 127.5 113.5 115.6 14.0 11.9 Net income 360.5 338.7 21.8 175.6 167.9 166.5 7.7 9.1 Adjusted PPNR (TE)\* 505.9 475.9 30.0 127.5 113.5 115.6 14.0 11.9 Net income 360.5 338.7 21.8 (0.6) (0.5) (0.8) (0.1) 0.2 Net Income allocated to participating securities (1.6) (2.3) 0.7 126.9 113.0 114.8 13.9 12.1 Net Income available to common shareholders 358.9 336.4 22.5 85.5 85.9 86.6 (0.4) (1.1) Weighted average common shares - diluted (millions) 86.0 86.7 (0.7) 1.49 1.32 1.33 0.17 0.16 EPS - diluted 4.17 3.88 0.29 3.49% 3.49% 3.39% 0 bps 10 bps NIM (TE) 3.47% 3.36% 11 bps 1.46% 1.32% 1.32% 14 bps 14 bps ROA 1.40% 1.29% 11 bps 11.58% 10.63% 11.43% 95 bps 15 bps ROE 11.26% 11.63% -37 bps 54.10% 54.91% 54.42% -81 bps -32 bps Efficiency ratio\* 54.73% 55.67% -94 bps

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![Slide 31](hwc-ex99_2s31.jpg)

Income Statement Summary (as Adjusted\*) \*Non-GAAP measure: see slides 34-36 for non-GAAP reconciliations 3Q24 4Q24 1Q25 2Q25 3Q25 Adjusted PPNR (TE)\* ($000) 166,513 165,167 162,443 167,911 175,557 Net Interest Income (TE) ($000) 274,457 276,291 272,711 279,455 282,309 Net Interest Margin (TE) 3.39% 3.41% 3.43% 3.49% 3.49% Noninterest Income ($000) 95,895 91,209 94,791 98,524 106,001 Adjusted Noninterest Expense\* ($000) 203,839 202,333 205,059 210,068 212,753 Efficiency Ratio\* 54.42% 54.46% 55.22% 54.91% 54.10% 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

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![Slide 32](hwc-ex99_2s32.jpg)

Current Hedge Positions Cash Flow (CF) Hedges Receive 261 bps versus paying 1-month SOFR on $1.7 billion Two additional hedges were added while no terminations were made during the third quarter of 2025 Total termination value on remaining active CF hedges is approximately ($19) million as of 9/30/2025 Future maturities of existing CF hedges range from December 2025 through July 2030 Fair Value (FV) Hedges $432 million in securities are hedged with $398 million of FV hedges Duration (Market price risk) reduced from approximately 5.3 years to 1.1 years on hedged securities One FV hedge was terminated in 3Q25 while no additional FV hedges were executed; total of $204 million of FV hedges became effective in 2025 and enhanced the total portfolio yield by 7 bps FV hedges become fully effective beginning January 2025 through July 2026; with an average pay fixed rate of 1.84% and receive variable rate at FF effective (resulting in these bonds being a variable rate of FF plus 45 bps) Current termination value of FV hedges is approximately $23 million at 9/30/2025 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

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![Slide 33](hwc-ex99_2s33.jpg)

Remain Well Capitalized Including All Unrealized Losses 9/30/2025 As Reported\* Inc. AOCI Losses (1) Inc. AOCI + HTM Losses(2) Well Capitalized Minimum Tangible Common Equity Ratio 10.01% 10.01% 9.74% N/A Leverage (Tier 1) Ratio 11.46% 10.58% 10.30% 5.00% CET1 Ratio 14.08% 12.89% 12.53% 6.50% Tier 1 Risked-Based Capital Ratio 14.08% 12.89% 12.53% 8.00% Risk-Based Capital Ratio 15.91% 14.73% 14.37% 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

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![Slide 34](hwc-ex99_2s34.jpg)

PPNR (TE) and Adjusted PPNR (TE) Reconciliation Three Months Ended Nine Months Ended (in thousands) 3Q25 2Q25 1Q25 4Q24 3Q24 YTD 2025 YTD 2024 Net Income (GAAP) $127,466 $113,531 $119,504 $122,074 $115,572 $360,501 $338,741 Provision for credit losses 12,651 14,925 10,462 11,912 18,564 38,038 40,255 Income tax expense 32,869 31,048 29,671 28,446 29,684 93,588 84,712 Pre-provision net revenue 172,986 159,504 159,637 162,432 163,820 492,127 463,708 Taxable equivalent adjustment\* 2,571 2,496 2,806 2,735 2,693 7,873 8,351 Pre-provision net revenue (TE)\* 175,557 162,000 162,443 165,167 166,513 500,000 472,059 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)\* $175,557 $167,911 $162,443 $165,167 $166,513 $505,911 $475,859 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 Nine Months Ended (in thousands) 3Q25 2Q25 1Q25 4Q24 3Q24 YTD 2025 YTD 2024 Noninterest expense (GAAP) $212,753 $215,979 $205,059 $202,333 $203,839 $633,791 $617,577 Adjustments from supplemental disclosure items Sabal Trust Company acquisition expense — (5,911) — — — (5,911) — FDIC special assessment — — — — — — (3,800) Adjusted noninterest expense $212,753 $210,068 $205,059 $202,333 $203,839 $627,880 $613,777

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Adjusted Efficiency Ratio Three Months Ended Nine Months Ended (in thousands) 3Q25 2Q25 1Q25 4Q24 3Q24 YTD 2025 YTD 2024 Net interest income $279,738 $276,959 $269,905 $273,556 $271,764 $826,602 $808,365 Noninterest income 106,001 98,524 94,791 91,209 95,895 299,316 272,920 Total GAAP revenue 385,739 375,483 364,696 364,765 367,659 1,125,918 1,081,285 Taxable equivalent adjustment\* 2,571 2,496 2,806 2,735 2,693 7,873 8,351 Total revenue (TE)\* $388,310 $377,979 $367,502 $367,500 $370,352 $1,133,791 $1,089,636 GAAP Noninterest expense $212,753 $215,979 $205,059 $202,333 $203,839 $633,791 $617,577 Amortization of Intangibles (2,694) (2,524) (2,113) (2,206) (2,292) (7,331) (7,207) 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 $210,059 $207,544 $202,946 $200,127 $201,547 $620,549 $606,570 Efficiency Ratio\*\* 54.10% 54.91% 55.22% 54.46% 54.42% 54.73% 55.67% \*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

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\*Supplemental disclosure items, net of income tax impact calculated using federal tax rate of 21% Adjusted ROA and ROTCE Three Months Ended (in thousands) 3Q25 2Q25 3Q24 Average total assets $34,751,209 $34,527,276 $34,780,386 Average common stockholders' equity $4,368,746 $4,284,279 $4,021,211 Average goodwill and other intangible assets (996,408) (961,675) (893,997) Average tangible common equity $3,372,338 $3,322,604 $3,127,214 Net income (GAAP) $127,466 $113,531 $115,572 Supplemental disclosure items, net of income tax\* — 4,670 — Adjusted Net Income $127,466 $118,201 $115,572 ROA 1.46% 1.32% 1.32% Adjusted ROA 1.46% 1.37% 1.32% ROTCE 15.00% 13.71% 14.70% Adjusted ROTCE 15.00% 14.27% 14.70% Adjusted Earnings Per Share - Diluted Three Months Ended (in thousands) 3Q25 2Q25 3Q24 Net Income (GAAP) $127,466 $113,531 $115,572 Net income allocated to participating securities (552) (486) (772) Net income available to common shareholders $126,914 $113,045 $114,800 Supplemental disclosure items, net of income tax\* — 4,670 — Supplemental disclosure items allocated to participating securities — (20) — Adjusted net income allocated to participating securities $126,914 $117,695 $114,800 Weighted average common shares - diluted 85,453 85,943 86,560 Earnings per share - diluted $1.49 $1.32 $1.33 Adjusted earnings per share - diluted $1.49 $1.37 $1.33

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Third Quarter 2025Earnings Conference Call 10/14/2025 HANCOCK WHITNEY