Form 8-K

8-K — HANCOCK WHITNEY CORP

Accession: 0001193125-26-426654

Filed: 2026-10-20

Period: 2026-10-20

CIK: 0000750577

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — hwc-20261020.htm (Primary)

EX-99.1 (hwc-ex99_1.htm)

EX-99.2 (hwc-ex99_2.htm)

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8-K

8-K (Primary)

Filename: hwc-20261020.htm · Sequence: 1

8-K

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

________________

FORM 8-K

________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): October 20, 2026

________________

HANCOCK WHITNEY CORPORATION

(Exact Name of Registrant as Specified in Charter)

________________

Mississippi

001-36872

64-0693170

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

Hancock Whitney Plaza

2510 14th Street

Gulfport, Mississippi

(Address of Principal Executive Offices)

39501

(Zip Code)

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

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

Title of Each Class

COMMON STOCK, $3.33 PAR VALUE

6.25% SUBORDINATED NOTES

Trading Symbol

HWC

HWCPZ

Name of Exchange on Which Registered

Nasdaq

__________________

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

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Emerging growth company ☐

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

Item 2.02 Results of Operations and Financial Condition.

On October 20, 2026, Hancock Whitney Corporation (the “Company”) announced financial results for its third quarter ended September 30, 2026. A copy of this press release and the accompanying financial statements are attached hereto as Exhibit 99.1 and is incorporated by reference into this Item 2.02. The press release is available on the Company’s website.

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

Item 7.01 Regulation FD Disclosure.

On October 20, 2026 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, 2026, including the press release. Additional presentation materials relating to such call are furnished hereto as Exhibit 99.2 and are, along with the press release and financial statements, incorporated herein by reference. All information in the press release and presentation materials speak as of the date thereof and the Company does not assume any obligation to update said information in the future. In addition, the Company disclaims any inferences regarding the materiality of such information which otherwise may arise as a result of it furnishing such information under Item 2.02 or Item 7.01 of this Form 8-K.

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

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit

Number

Description

99.1

Press Release dated October 20, 2026 for Quarter Ended September 30, 2026.

99.2

Presentation Slides dated October 20, 2026 (furnished with the Commission as part of this Form 8-K).

104

Cover Page Interactive Data File (embedded within the inline XBRL document)

SIGNATURE

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

HANCOCK WHITNEY CORPORATION

October 20, 2026

By:

/s/ Michael M. Achary

Michael M. Achary

Chief Financial Officer

EX-99.1

Filename: hwc-ex99_1.htm · Sequence: 2

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

October 20, 2026

For more information

Ashleigh Flower Wilshire, SVP, Head of Investor Relations

504.299.5076 or ashleigh.wilshire@hancockwhitney.com

Hancock Whitney reports third quarter 2026 EPS of $1.36

GULFPORT, Miss. (October 20, 2026) — Hancock Whitney Corporation (Nasdaq: HWC) today announced its financial results for the third quarter of 2026. Net income for the third quarter of 2026 totaled $110.1 million, or $1.36 per diluted common share (EPS), compared to $127.0 million, or $1.55 per diluted common share, in the second quarter of 2026. On August 1, 2026, Hancock Whitney closed the acquisition of OFB Bancshares, Inc., the parent company of One Florida Bank (“OFB”). Third quarter 2026 results include a pretax charge of $30.4 million, or $0.30 per share, of supplemental disclosure items related to the acquisition of OFB. Excluding the impact of these supplemental disclosure items, EPS would be $1.66, up $0.11 linked-quarter. There were no supplemental disclosure items in the second quarter of 2026. The company reported net income for the third quarter of 2025 of $127.5 million, or $1.49 per diluted common share. There were no supplemental disclosure items in the third quarter of 2025.

Third Quarter 2026 Highlights

•

Net income totaled $110.1 million, or $1.36 per diluted common share, compared to$127.0 million, or $1.55 per diluted common share in the second quarter of 2026; adjusted net income totaled $134.1 million, or $1.66 per diluted share

•

Adjusted pre-provision net revenue (PPNR) totaled $189.3 million, up $11.2 million, or 6% from the prior quarter

•

Loans increased $2.0 billion

•

Deposits increased $2.5 billion

•

Criticized commercial loans decreased and nonaccrual loans increased compared to the second quarter of 2026

•

ACL coverage remained at 1.42%, unchanged from the prior quarter

•

NIM of 3.61%, up 5 bp from the prior quarter

•

CET1 ratio estimated at 11.53%, compared to 13.19% in the prior quarter; TCE ratio of 8.05% compared to 9.78% in the prior quarter

•

Efficiency ratio of 54.46%, down 85 bps linked-quarter, compared to 55.31% in the prior quarter

“We are pleased to share another quarter of solid results for the third quarter of 2026,” said John M. Hairston, President & CEO. “Profitability remains strong with adjusted EPS of $1.66, up 7% from prior quarter, adjusted ROA of 1.41%, and an improved efficiency ratio of 54.46%. We delivered strong loan and deposit growth, while NIM expanded 5 basis points to 3.61%. Our criticized loan levels decreased during the quarter and our ACL remains robust at 1.42%. On August 1, we were pleased to welcome new colleagues and clients through the acquisition of One Florida Bank. As 2026 draws to a close, we remain committed to executing on our organic growth plan and maintaining operational efficiency and a strong capital position.”

Loans

Total loans were $26.5 billion at September 30, 2026, up $2.0 billion, or 8%, from June 30, 2026. Loan growth included $1.7 billion in loans acquired from OFB, as well as a legacy and post-acquisition increase in commercial real estate across multiple products and continued growth in equipment finance.

Average loans totaled $25.8 billion for the third quarter of 2026, up $1.4 billion, or 6%, linked-quarter.

Deposits

Total deposits at September 30, 2026 were $32.2 billion, up $2.5 billion, or 9%, from June 30, 2026. Deposit growth included $1.9 billion in deposits acquired from OFB, as well as legacy and post-acquisition activity including an increase in interest-bearing transactions and savings deposits, offset by decreases in noninterest-bearing deposits, retail time deposits and interest-bearing public fund deposits.

Noninterest-bearing deposits totaled $10.6 billion at September 30, 2026, up $217.9 million, or 2%, from June 30, 2026, and comprised 33% of total period-end deposits. This increase included $418.7 million of noninterest-bearing deposits acquired from OFB.

Interest-bearing transaction and savings deposits totaled $15.5 billion at the end of the third quarter of 2026, up $2.5 billion, or 19%, linked-quarter, including $1.2 billion acquired from OFB, and legacy and post-acquisition increases due to competitive products and pricing.

Interest-bearing public fund deposits totaled $2.6 billion at September 30, 2026, down $309.0 million, or 11%, linked-quarter, including $15.5 million acquired from OFB, and decreases due largely to seasonal outflows from our legacy public funds. Compared to June 30, 2026, retail time deposits of $3.6 billion were up $174.2 million, or 5%, including $203.0 million acquired from OFB, partially offset by a net reduction driven by maturities and repricing during the third quarter of 2026.

Average deposits for the third quarter of 2026 were $30.9 billion, up $2.1 billion, or 7%, linked-quarter.

Asset Quality

The total allowance for credit losses (ACL) was $375.8 million at September 30, 2026, up $27.8 million, or 8% from June 30, 2026. The increase in the ACL includes $21.9 million recorded through purchase accounting for OFB acquired loans. During the third quarter of 2026, the company recorded a provision for credit losses of $16.1 million, which includes a $1.0 million supplemental disclosure item for unfunded commitments acquired from OFB, compared to $13.8 million in the second quarter of 2026. There were no supplemental disclosure items in the second quarter of 2026. There were $10.2 million of net charge-offs in the third quarter of 2026, or 0.16% of average total loans on an annualized basis, compared to net charge-offs of $9.4 million, or

0.16% of average total loans in the second quarter of 2026. The ratio of ACL to period-end loans was 1.42% at both September 30, 2026 and June 30, 2026.

Criticized commercial loans totaled $485.3 million, or 2.29% of total commercial loans, at September 30, 2026, down $6.7 million from $492.0 million, or 2.55% of total commercial loans, at June 30, 2026. Nonaccrual loans totaled $133.3 million, or 0.50% of total loans, at September 30, 2026, compared to $113.7 million, or 0.46% of total loans, at June 30, 2026. ORE and foreclosed assets were $10.9 million at September 30, 2026, down $2.0 million, or 15%, from $12.9 million at June 30, 2026.

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

Net interest income (TE) for the third quarter of 2026 was $314.9 million, an increase of $19.7 million, or 7%, from the second quarter of 2026. The net interest margin (NIM) (TE) was 3.61% in the third quarter of 2026, up 5 bps linked-quarter, driven by the impact from purchase accounting accretion related to OFB (+4 bps), favorable level of other borrowings (+1 bps), and change in earning asset yield and mix (+8 bps) offset by higher cost of deposits (-8 bps).

Average earning assets were $34.8 billion for the third quarter of 2026, up $1.6 billion, or 5%, from the second quarter of 2026.

Noninterest Income

Noninterest income totaled $107.0 million for the third quarter of 2026, down $1.4 million from the second quarter of 2026. The third quarter of 2026 included $0.6 million of post-acquisition noninterest income from OFB.

Service charges on deposit accounts totaled $27.1 million for the third quarter of 2026, up $1.2 million, or 5%, including $0.2 million post-acquisition activity from OFB. Bank card and ATM fees were down $0.2 million, or 1%, from the second quarter of 2026, partially offset by $0.1 million post-acquisition activity from OFB.

Investment and annuity income and insurance fees were down $0.8 million, or 5%, linked-quarter. Trust fees were down $1.1 million, or 4%, linked-quarter due partially to seasonality. Fees from secondary mortgage operations totaled $2.9 million for the third quarter of 2026, down $1.2 million, or 30%, linked-quarter, due to the current rate environment.

Other noninterest income was $15.2 million in the third quarter of 2026, up $0.7 million, or 5%, from the second quarter of 2026. The increase in other noninterest income was primarily due to $0.3 million post-acquisition activity from OFB, higher SBIC income, syndications fees, and FHLB stock income, partially offset by lower derivative and BOLI income.

Noninterest Expense & Taxes

Noninterest expense totaled $262.0 million for the third quarter of 2026, up $36.6 million, or 16% linked-quarter. The third quarter of 2026 included $5.8 million of post-acquisition noninterest expense from OFB and $29.4 million of supplemental disclosure items related to the acquisition of OFB. There were no supplemental disclosure items in the second quarter of 2026.

Personnel expense totaled $144.8 million in the third quarter of 2026, up $14.6 million, or 11%, linked-quarter. This increase included $8.3 million of supplemental disclosure items related to the acquisition of OFB and $3.6 million of post-acquisition expense from OFB. The remaining increase in personnel expense was primarily related to the impact of new hires associated with our organic growth plan.

Net occupancy and equipment expense totaled $20.1 million in the third quarter of 2026, up $1.8 million, or 10%, from the second quarter of 2026. The increase included $0.1 million of supplemental disclosure items related to the acquisition of OFB and $0.4 million of post-acquisition expense from OFB.

Amortization of intangibles totaled $2.9 million for the third quarter of 2026, up $0.7 million, or 30%, linked-quarter, including $1.2 million of post-acquisition expense from OFB.

Net expense on ORE and other foreclosed assets totaled $0.6 million in the third quarter of 2026, compared to $0.2 million in the second quarter of 2026.

Other expenses totaled $93.7 million in the third quarter of 2026, up $19.2 million, or 26%, linked-quarter. This increase included $21.0 million of supplemental disclosure items related to the acquisition of OFB and $0.6 million of post-acquisition expense from OFB.

The effective income tax rate for the third quarter of 2026 was 22.5%, compared to 21.7% in the second quarter of 2026.

Capital

Common stockholders’ equity at September 30, 2026 totaled $4.2 billion, down $209.8 million, or 5%, from June 30, 2026. The tangible common equity (TCE) ratio was 8.05%, down 173 bps linked-quarter. The company’s CET1 ratio is estimated to be 11.53% at September 30, 2026, down 166 bps linked-quarter.

During the third quarter of 2026, the company repurchased one million shares of its common stock at an average price of $77.91 per share. These stock repurchases were pursuant to the company’s share buyback program (which authorizes the repurchase of up to 5%, or approximately 4.1 million shares, of the company’s outstanding common stock), which expires on December 31, 2026. Since the share buyback program’s inception, the company has repurchased 3,112,966 shares of its common stock 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 20, 2026 to review third quarter 2026 results. A live listen-only webcast of the call will be available under the Investor Relations section of Hancock Whitney’s website at investors.hancockwhitney.com. A link to the release with additional financial tables, and a link to a slide presentation related to third quarter 2026 results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial 833-461-5787, access code 662024071.

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

About Hancock Whitney

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

Non-GAAP Financial Measures

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

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

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

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

Important Cautionary Statement about Forward-Looking Statements

This release contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding our expectations of our performance and financial condition, balance sheet and revenue growth, the provision for credit losses, capital levels, deposits (including growth, pricing, and betas), investment portfolio, other sources of liquidity, loan growth expectations, management’s predictions about charge-offs for loans, the impact of current and future economic conditions, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services),

high unemployment, inflationary pressures, increasing insurance costs, fluctuations in interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing, general economic business conditions in our local markets, Federal Reserve action with respect to interest rates, the effects of war or other conflicts, acts of terrorism, climate change, the impact of natural or man-made disasters, the adequacy of our enterprise risk management framework, potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings, assessments, and enforcement actions, as well as the impact of negative developments affecting the banking industry and the resulting media coverage; the timing, benefits, costs and synergies of the merger with One Florida Bank, as well as statements regarding the potential impact of current or future business combinations on our performance and financial condition, including our ability to successfully identify acquisition targets and integrate the businesses, success of revenue-generating and cost reduction initiatives, the potential impact of third-party business combinations in our footprint on our performance and financial condition, the effectiveness of derivative financial instruments and hedging activities to manage risks, projected tax rates, increased cybersecurity risks, including potential business disruptions or financial losses, and the impact of artificial intelligence on our business operations, the adequacy of our internal controls over financial and non-financial reporting, the impact of changes in U.S. laws or policies, including those related to credit card interest rates, the financial impact of regulatory requirements and tax reform legislation, deposit trends, credit quality trends, net interest margin trends, future expense levels, future profitability, supplemental disclosure items, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts and expected returns. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook," or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events.

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

HANCOCK WHITNEY CORPORATION

FINANCIAL HIGHLIGHTS

(Unaudited)

Three Months Ended

Nine Months Ended

(dollars and common share data in thousands, except per share amounts)

9/30/2026

6/30/2026

9/30/2025

9/30/2026

9/30/2025

NET INCOME

Net interest income

313,107

293,012

279,738

891,284

826,602

Net interest income (TE) (a)

314,898

295,225

282,309

897,689

834,475

Provision for credit losses

16,097

13,775

12,651

43,044

38,038

Noninterest income

107,011

108,350

106,001

222,843

299,316

Noninterest expense

262,001

225,436

212,753

708,185

633,791

Income tax expense

31,964

35,190

32,869

78,459

93,588

Net income

110,056

126,961

127,466

284,439

360,501

Supplemental disclosure items - included above, pre-tax

Included in provision for credit losses

OFB Bancshares, Inc. acquired unfunded provision

1,036

—

1,036

—

Included in noninterest income

Loss on securities portfolio restructure

—

98,595

—

Included in noninterest expense

OFB Bancshares, Inc. acquisition expense

29,350

—

29,350

—

Sabal Trust Company acquisition expense

—

5,911

PERIOD-END BALANCE SHEET DATA

Loans

26,540,423

24,580,173

23,596,565

26,540,423

23,596,565

Securities

7,758,273

7,891,359

7,991,281

7,758,273

7,991,281

Earning assets

34,962,230

33,039,464

32,532,320

34,962,230

32,532,320

Total assets

38,583,463

36,345,972

35,766,407

38,583,463

35,766,407

Noninterest-bearing deposits

10,554,777

10,336,866

10,305,303

10,554,777

10,305,303

Total deposits

32,177,308

29,629,760

28,659,750

32,177,308

28,659,750

Common stockholders' equity

4,234,341

4,444,134

4,474,479

4,234,341

4,474,479

AVERAGE BALANCE SHEET DATA

Loans

25,766,152

24,339,904

23,425,895

24,697,277

23,249,212

Securities (b)

8,284,750

8,285,594

8,383,771

8,278,745

8,299,542

Earning assets

34,766,919

33,205,847

32,213,632

33,564,776

32,106,914

Total assets

37,591,325

35,881,537

34,751,209

36,305,606

34,546,116

Noninterest-bearing deposits

10,383,038

10,104,015

10,121,707

10,174,635

10,200,640

Total deposits

30,924,820

28,780,937

28,492,076

29,521,157

28,630,511

Common stockholders' equity

4,389,908

4,420,837

4,368,746

4,423,927

4,279,294

COMMON SHARE DATA

Earnings per share - diluted

1.36

1.55

1.49

3.48

4.17

Cash dividends per share

0.50

0.45

1.50

1.35

Book value per share (period-end)

53.27

55.23

52.82

53.27

52.82

Tangible book value per share (period-end)

37.83

42.95

41.07

37.83

41.07

Weighted average number of shares - diluted

80,612

81,485

85,453

81,445

85,977

Period-end number of shares

79,493

80,471

84,711

79,493

84,711

Market data

High sales price

80.13

75.25

64.66

80.13

64.66

Low sales price

71.67

62.16

56.87

59.97

43.90

Period-end closing price

72.04

74.72

62.61

72.04

62.61

Trading volume

53,095

55,444

51,077

162,212

136,219

PERFORMANCE RATIOS

Return on average assets

1.16

1.42

1.46

1.05

1.40

Return on average common equity

9.95

11.52

11.58

8.60

11.26

Return on average tangible common equity

13.46

14.84

15.00

11.25

14.48

Tangible common equity ratio (c)

8.05

9.78

10.01

8.05

10.01

Net interest margin (TE)

3.61

3.56

3.49

3.57

3.47

Noninterest income as a percentage of total revenue (TE)

25.36

26.85

27.30

19.89

26.40

Efficiency ratio (d)

54.46

55.31

54.10

55.05

54.73

Average loan/deposit ratio

83.32

84.57

82.22

83.66

81.20

Allowance for loan losses as a percentage of period-end loans

1.28

1.27

1.33

1.28

1.33

Allowance for credit losses as a percentage of period-end loans (e)

1.42

1.45

1.42

1.45

Annualized net charge-offs to average loans

0.16

0.19

0.17

0.23

Allowance for loan losses as a % of nonaccrual loans

254.74

274.99

276.20

254.74

276.20

FTE headcount

3,803

3,674

3,603

3,803

3,603

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

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

(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.

(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above.

(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.

HANCOCK WHITNEY CORPORATION

QUARTERLY FINANCIAL HIGHLIGHTS

(Unaudited)

Three Months Ended

(dollars and common share data in thousands, except per share amounts)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

NET INCOME

Net interest income

313,107

293,012

285,165

282,170

279,738

Net interest income (TE) (a)

314,898

295,225

287,566

284,675

282,309

Provision for credit losses

16,097

13,775

13,172

13,145

12,651

Noninterest income

107,011

108,350

7,482

107,131

106,001

Noninterest expense

262,001

225,436

220,748

217,850

212,753

Income tax expense

31,964

35,190

11,305

32,734

32,869

Net income

110,056

126,961

47,422

125,572

127,466

Supplemental disclosure items - included above, pre-tax

Included in provision for credit losses

OFB Bancshares, Inc. acquired unfunded provision

1,036

—

Included in noninterest income

Loss on securities portfolio restructure

—

98,595

—

Included in noninterest expense

OFB Bancshares, Inc. acquisition expense

29,350

—

PERIOD-END BALANCE SHEET DATA

Loans

26,540,423

24,580,173

23,991,840

23,958,440

23,596,565

Securities

7,758,273

7,891,359

8,028,014

8,094,799

7,991,281

Earning assets

34,962,230

33,039,464

32,306,650

32,218,663

32,532,320

Total assets

38,583,463

36,345,972

35,542,126

35,472,762

35,766,407

Noninterest-bearing deposits

10,554,777

10,336,866

10,344,878

10,374,991

10,305,303

Total deposits

32,177,308

29,629,760

29,082,134

29,279,774

28,659,750

Common stockholders' equity

4,234,341

4,444,134

4,419,592

4,460,117

4,474,479

AVERAGE BALANCE SHEET DATA

Loans

25,766,152

24,339,904

23,965,993

23,715,763

23,425,895

Securities (b)

8,284,750

8,285,594

8,265,682

8,484,162

8,383,771

Earning assets

34,766,919

33,205,847

32,698,837

32,598,315

32,213,632

Total assets

37,591,325

35,881,537

35,420,096

35,227,286

34,751,209

Noninterest-bearing deposits

10,383,038

10,104,015

10,033,006

10,165,806

10,121,707

Total deposits

30,924,820

28,780,937

28,834,747

28,816,539

28,492,076

Common stockholders' equity

4,389,908

4,420,837

4,461,827

4,417,711

4,368,746

COMMON SHARE DATA

Earnings per share - diluted

1.36

1.55

0.57

1.49

Cash dividends per share

0.50

0.45

Book value per share (period-end)

53.27

55.23

54.46

54.22

52.82

Tangible book value per share (period-end)

37.83

42.95

42.26

42.16

41.07

Weighted average number of shares - diluted

80,612

81,485

82,261

83,791

85,453

Period-end number of shares

79,493

80,471

81,152

82,259

84,711

Market data

High sales price

80.13

75.25

75.43

67.10

64.66

Low sales price

71.67

62.16

59.97

54.05

56.87

Period-end closing price

72.04

74.72

63.59

63.68

62.61

Trading volume

53,095

55,444

53,673

55,269

51,077

PERFORMANCE RATIOS

Return on average assets

1.16

1.42

0.54

1.41

1.46

Return on average common equity

9.95

11.52

4.31

11.28

11.58

Return on average tangible common equity

13.46

14.84

5.54

14.55

15.00

Tangible common equity ratio (c)

8.05

9.78

9.93

10.06

10.01

Net interest margin (TE)

3.61

3.56

3.55

3.48

3.49

Noninterest income as a percentage of total revenue (TE)

25.36

26.85

2.54

27.34

27.30

Efficiency ratio (d)

54.46

55.31

55.43

54.93

54.10

Average loan/deposit ratio

83.32

84.57

83.11

82.30

82.22

Allowance for loan losses as a percentage of period-end loans

1.28

1.27

1.30

1.28

1.33

Allowance for credit losses as a percentage of period-end loans (e)

1.42

1.43

1.45

Annualized net charge-offs to average loans

0.16

0.19

0.22

0.19

Allowance for loan losses as a % of nonaccrual loans

254.74

274.99

274.67

287.95

276.20

FTE headcount

3,803

3,674

3,658

3,627

3,603

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

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

(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.

(e) The allowance for credit losses includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.

HANCOCK WHITNEY CORPORATION

INCOME STATEMENT

(Unaudited)

Three Months Ended

Nine Months Ended

(dollars in thousands, except per share data)

9/30/2026

6/30/2026

9/30/2025

9/30/2026

9/30/2025

NET INCOME

Interest income

446,818

412,887

409,020

1,261,087

1,206,922

Interest income (TE) (f)

448,609

415,100

411,591

1,267,492

1,214,795

Interest expense

133,711

119,875

129,282

369,803

380,320

Net interest income (TE)

314,898

295,225

282,309

897,689

834,475

Provision for credit losses

16,097

13,775

12,651

43,044

38,038

Noninterest income

107,011

108,350

106,001

222,843

299,316

Noninterest expense

262,001

225,436

212,753

708,185

633,791

Income before income taxes

142,020

162,151

160,335

362,898

454,089

Income tax expense

31,964

35,190

32,869

78,459

93,588

Net income

110,056

126,961

127,466

284,439

360,501

Supplemental disclosure items – included above, pre-tax

Included in provision for credit losses

OFB Bancshares, Inc. acquired unfunded provision

1,036

—

1,036

—

Included in noninterest income

Loss on securities portfolio restructure

—

98,595

—

Included in noninterest expense

OFB Bancshares, Inc. acquisition expense

29,350

—

29,350

—

Sabal Trust Company acquisition expense

—

5,911

NONINTEREST INCOME

Service charges on deposit accounts

27,077

25,897

25,220

78,876

73,595

Trust fees

24,995

26,049

24,211

75,618

64,986

Bank card and ATM fees

22,983

23,181

21,814

68,290

64,532

Investment and annuity fees and insurance commissions

13,872

14,617

14,507

41,061

36,525

Secondary mortgage market operations

2,862

4,065

3,475

10,456

11,090

Securities transactions, net

—

(98,595

)

—

Other income

15,222

14,541

16,774

47,137

48,588

Total noninterest income

107,011

108,350

106,001

222,843

299,316

NONINTEREST EXPENSE

Personnel expense

144,751

130,191

122,022

402,090

352,881

Net occupancy and equipment expense

20,071

18,267

18,222

55,624

54,259

Other real estate and foreclosed assets expense (income), net

566

214

(337

)

1,221

2,624

Other expense

93,728

74,542

70,152

241,595

216,696

Amortization of intangibles

2,885

2,222

2,694

7,655

7,331

Total noninterest expense

262,001

225,436

212,753

708,185

633,791

COMMON SHARE DATA

Earnings per share:

Basic

1.37

1.56

1.50

3.51

4.20

Diluted

1.36

1.55

1.49

3.48

4.17

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

HANCOCK WHITNEY CORPORATION

INCOME STATEMENT

(Unaudited)

Three Months Ended

(dollars in thousands, except per share data)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

NET INCOME

Interest income

446,818

412,887

401,382

407,698

409,020

Interest income (TE) (f)

448,609

415,100

403,783

410,203

411,591

Interest expense

133,711

119,875

116,217

125,528

129,282

Net interest income (TE)

314,898

295,225

287,566

284,675

282,309

Provision for credit losses

16,097

13,775

13,172

13,145

12,651

Noninterest income

107,011

108,350

7,482

107,131

106,001

Noninterest expense

262,001

225,436

220,748

217,850

212,753

Income before income taxes

142,020

162,151

58,727

158,306

160,335

Income tax expense

31,964

35,190

11,305

32,734

32,869

Net income

110,056

126,961

47,422

125,572

127,466

Supplemental disclosure items – included above, pre-tax

Included in provision for credit losses

OFB Bancshares, Inc. acquired unfunded provision

1,036

—

Included in noninterest income

Loss on securities portfolio restructure

—

98,595

—

Included in noninterest expense

OFB Bancshares, Inc. acquisition expense

29,350

—

NONINTEREST INCOME

Service charges on deposit accounts

27,077

25,897

25,902

25,585

25,220

Trust fees

24,995

26,049

24,574

24,644

24,211

Bank card and ATM fees

22,983

23,181

22,126

21,603

21,814

Investment and annuity fees and insurance commissions

13,872

14,617

12,572

12,637

14,507

Secondary mortgage market operations

2,862

4,065

3,529

3,679

3,475

Securities transactions, net

—

(98,595

)

(11

)

—

Other income

15,222

14,541

17,374

18,994

16,774

Total noninterest income

107,011

108,350

7,482

107,131

106,001

NONINTEREST EXPENSE

Personnel expense

144,751

130,191

127,148

122,510

122,022

Net occupancy and equipment expense

20,071

18,267

17,286

18,632

18,222

Other real estate and foreclosed assets expense (income), net

566

214

441

467

(337

)

Other expense

93,728

74,542

73,325

73,619

70,152

Amortization of intangibles

2,885

2,222

2,548

2,622

2,694

Total noninterest expense

262,001

225,436

220,748

217,850

212,753

COMMON SHARE DATA

Earnings per share:

Basic

1.37

1.56

0.58

1.51

1.50

Diluted

1.36

1.55

0.57

1.49

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

HANCOCK WHITNEY CORPORATION

PERIOD-END BALANCE SHEET

(Unaudited)

(dollars in thousands)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

ASSETS

Commercial non-real estate loans

10,383,065

9,961,458

9,710,891

9,809,011

9,680,597

Commercial real estate - owner occupied loans

3,753,085

3,353,501

3,299,867

3,270,080

3,279,258

Total commercial and industrial loans

14,136,150

13,314,959

13,010,758

13,079,091

12,959,855

Commercial real estate - income producing loans

5,486,095

4,602,813

4,382,665

4,283,168

4,076,643

Construction and land development loans

1,548,547

1,405,454

1,320,224

1,239,086

1,197,305

Residential mortgage loans

3,995,795

3,909,076

3,950,154

4,016,917

4,027,600

Consumer loans

1,373,836

1,347,871

1,328,039

1,340,178

1,335,162

Total loans

26,540,423

24,580,173

23,991,840

23,958,440

23,596,565

Loans held for sale

30,662

52,850

63,090

33,158

33,161

Securities

7,758,273

7,891,359

8,028,014

8,094,799

7,991,281

Short-term investments

632,872

515,082

223,706

132,266

911,313

Earning assets

34,962,230

33,039,464

32,306,650

32,218,663

32,532,320

Allowance for loan losses

(339,672

)

(312,608

)

(311,316

)

(307,731

)

(313,636

)

Goodwill and other intangible assets

1,227,359

987,704

989,927

992,474

995,096

Other assets

2,733,546

2,631,412

2,556,865

2,569,356

2,552,627

Total assets

38,583,463

36,345,972

35,542,126

35,472,762

35,766,407

LIABILITIES

Noninterest-bearing deposits

10,554,777

10,336,866

10,344,878

10,374,991

10,305,303

Interest-bearing transaction and savings deposits

15,492,971

13,028,481

12,243,460

11,982,294

11,758,885

Interest-bearing public fund deposits

2,571,292

2,880,337

2,937,281

3,217,314

2,799,957

Time deposits

3,558,268

3,384,076

3,556,515

3,705,175

3,795,605

Total interest-bearing deposits

21,622,531

19,292,894

18,737,256

18,904,783

18,354,447

Total deposits

32,177,308

29,629,760

29,082,134

29,279,774

28,659,750

Short-term borrowings

1,304,281

1,570,970

1,360,451

1,017,292

1,891,520

Long-term debt

212,212

193,823

193,785

199,407

210,657

Other liabilities

655,321

507,285

486,164

516,172

530,001

Total liabilities

34,349,122

31,901,838

31,122,534

31,012,645

31,291,928

COMMON STOCKHOLDERS' EQUITY

Common stock net of treasury and capital surplus

1,591,571

1,662,041

1,703,176

1,800,732

1,943,187

Retained earnings

3,197,148

3,127,514

3,041,543

3,035,636

2,947,752

Accumulated other comprehensive (loss)

(554,378

)

(345,421

)

(325,127

)

(376,251

)

(416,460

)

Total common stockholders' equity

4,234,341

4,444,134

4,419,592

4,460,117

4,474,479

Total liabilities & stockholders' equity

38,583,463

36,345,972

35,542,126

35,472,762

35,766,407

CAPITAL RATIOS

Tangible common equity

3,006,982

3,456,430

3,429,665

3,467,643

3,479,383

Tier 1 capital (g)

3,602,977

3,831,761

3,784,008

3,872,490

3,923,725

Common equity as a percentage of total assets

10.97

12.23

12.43

12.57

12.51

Tangible common equity ratio

8.05

9.78

9.93

10.06

10.01

Leverage (Tier 1) ratio (g)

9.79

10.87

10.89

11.17

11.46

Common equity tier 1 (CET1) ratio (g)

11.53

13.19

13.29

13.65

14.09

Tier 1 risk-based capital ratio (g)

11.53

13.19

13.29

13.65

14.09

Total risk-based capital ratio (g)

13.21

14.98

15.10

15.45

15.92

(g) Estimated for most recent period-end.

HANCOCK WHITNEY CORPORATION

AVERAGE BALANCE SHEET

(Unaudited)

Three Months Ended

Nine Months Ended

(dollars in thousands)

9/30/2026

6/30/2026

9/30/2025

9/30/2026

9/30/2025

ASSETS

Commercial non-real estate loans

10,269,596

9,919,413

9,646,077

9,998,256

9,655,233

Commercial real estate - owner occupied loans

3,571,298

3,333,521

3,195,141

3,404,156

3,078,016

Total commercial and industrial loans

13,840,894

13,252,934

12,841,218

13,402,412

12,733,249

Commercial real estate - income producing loans

5,078,412

4,454,250

4,016,842

4,607,561

3,911,615

Construction and land development loans

1,518,985

1,377,917

1,183,117

1,388,168

1,226,941

Residential mortgage loans

3,970,070

3,921,837

4,052,310

3,958,091

4,038,261

Consumer loans

1,357,791

1,332,966

1,332,408

1,341,045

1,339,146

Total loans

25,766,152

24,339,904

23,425,895

24,697,277

23,249,212

Loans held for sale

28,407

47,992

22,162

34,702

22,378

Securities (h)

8,284,750

8,285,594

8,383,771

8,278,745

8,299,542

Short-term investments

687,610

532,357

381,804

554,052

535,782

Earning assets

34,766,919

33,205,847

32,213,632

33,564,776

32,106,914

Allowance for loan losses

(332,851

)

(317,199

)

(316,542

)

(320,487

)

(320,819

)

Goodwill and other intangible assets

1,146,215

988,701

996,408

1,042,596

949,616

Other assets

2,011,042

2,004,188

1,857,711

2,018,721

1,810,405

Total assets

37,591,325

35,881,537

34,751,209

36,305,606

34,546,116

LIABILITIES AND COMMON STOCKHOLDERS' EQUITY

Noninterest-bearing deposits

10,383,038

10,104,015

10,121,707

10,174,635

10,200,640

Interest-bearing transaction and savings deposits

14,340,028

12,389,544

11,662,596

12,929,215

11,403,964

Interest-bearing public fund deposits

2,694,344

2,850,910

2,847,336

2,887,233

2,968,184

Time deposits

3,507,410

3,436,468

3,860,437

3,530,074

4,057,723

Total interest-bearing deposits

20,541,782

18,676,922

18,370,369

19,346,522

18,429,871

Total deposits

30,924,820

28,780,937

28,492,076

29,521,157

28,630,511

Short-term borrowings

1,514,717

1,982,071

1,135,304

1,641,963

876,749

Long-term debt

209,936

193,804

210,639

200,638

210,783

Other liabilities

551,944

503,888

544,444

517,921

548,779

Common stockholders' equity

4,389,908

4,420,837

4,368,746

4,423,927

4,279,294

Total liabilities & stockholders' equity

37,591,325

35,881,537

34,751,209

36,305,606

34,546,116

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

HANCOCK WHITNEY CORPORATION

AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY

(Unaudited)

Three Months Ended

9/30/2026

6/30/2026

9/30/2025

(dollars in millions)

Average

Balance

Interest

Rate

Average

Balance

Interest

Rate

Average

Balance

Interest

Rate

AVERAGE EARNING ASSETS

Commercial & real estate loans (TE) (i)

20,438.3

304.1

5.91

19,085.1

276.8

5.82

18,041.2

277.9

6.12

Residential mortgage loans

3,970.1

40.5

4.09

3,921.8

39.2

4.00

4,052.3

40.6

4.00

Consumer loans

1,357.8

25.6

7.48

1,333.0

25.1

7.54

1,332.4

27.7

8.25

Loan fees & late charges

—

0.1

0.00

—

(0.8

)

0.00

—

(0.3

)

0.00

Total loans (TE) (j) (k)

25,766.2

370.3

5.71

24,339.9

340.3

5.60

23,425.9

345.9

5.87

Loans held for sale

28.4

0.5

6.99

48.0

0.7

6.22

22.2

0.4

6.73

US Treasury and government agency securities

693.4

5.9

3.38

647.3

5.3

3.29

661.7

5.4

3.25

CMOs and mortgage backed securities

7,193.0

62.2

3.46

7,065.2

59.2

3.35

6,962.1

50.3

2.89

Municipals (TE)

378.3

3.3

3.52

554.3

4.6

3.33

742.5

5.5

2.96

Other securities

20.0

0.2

4.90

18.8

0.2

4.40

17.4

0.1

3.72

Total securities (TE) (l)

8,284.7

71.6

3.46

8,285.6

69.3

3.35

8,383.7

61.3

2.92

Total short-term investments

687.6

6.2

3.56

532.3

4.8

3.58

381.8

4.0

4.19

Average earning assets yield (TE)

34,766.9

448.6

5.13

33,205.8

415.1

5.01

32,213.6

411.6

5.08

INTEREST-BEARING LIABILITIES

Interest-bearing transaction and savings deposits

14,340.0

75.6

2.09

12,389.5

57.8

1.87

11,662.6

63.1

2.15

Time deposits

3,507.4

27.5

3.11

3,436.5

26.5

3.09

3,860.5

34.0

3.50

Public funds

2,694.3

17.3

2.55

2,850.9

18.3

2.57

2,847.3

21.0

2.93

Total interest-bearing deposits

20,541.7

120.4

2.33

18,676.9

102.6

2.20

18,370.4

118.1

2.55

Short-term borrowings

1,514.7

10.3

2.69

1,982.1

14.5

2.94

1,135.3

8.2

2.87

Long-term debt

210.0

3.0

5.71

193.8

2.8

5.79

210.6

3.0

5.66

Total borrowings

1,724.7

13.3

3.06

2,175.9

17.3

3.19

1,345.9

11.2

3.30

Total interest-bearing liabilities cost

22,266.4

133.7

2.38

20,852.8

119.9

2.31

19,716.3

129.3

2.60

Net interest-free funding sources

12,500.5

12,353.0

12,497.3

Total cost of funds

34,766.9

133.7

1.53

33,205.8

119.9

1.45

32,213.6

129.3

1.59

Net Interest Spread (TE)

314.9

2.75

295.2

2.70

282.3

2.48

Net Interest Margin (TE)

34,766.9

314.9

3.61

33,205.8

295.2

3.56

32,213.6

282.3

3.49

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

(j) Includes nonaccrual loans.

(k) Included in interest income is net purchase accounting accretion of $3.3 million for the three months ended September 30, 2026. There was no net purchase accounting accretion in the three months ended June 30, 2026 or September 30, 2025.

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

HANCOCK WHITNEY CORPORATION

AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY

(Unaudited)

Nine Months Ended

9/30/2026

9/30/2025

(dollars in millions)

Average

Balance

Interest

Rate

Average

Balance

Interest

Rate

AVERAGE EARNING ASSETS

Commercial & real estate loans (TE) (i)

19,398.1

849.7

5.86

17,871.8

816.1

6.10

Residential mortgage loans

3,958.1

119.9

4.04

4,038.3

120.8

3.99

Consumer loans

1,341.1

75.5

7.53

1,339.1

83.1

8.29

Loan fees & late charges

—

(1.7

)

0.00

—

(1.1

)

0.00

Total loans (TE) (j) (k)

24,697.3

1,043.4

5.65

23,249.2

1,018.9

5.86

Loans held for sale

34.7

1.6

6.20

22.4

1.1

6.66

US Treasury and government agency securities

661.7

16.4

3.30

626.7

14.8

3.14

CMOs and mortgage backed securities

7,068.6

177.6

3.35

6,886.5

145.4

2.81

Municipals (TE)

529.8

13.1

3.30

768.7

17.0

2.96

Other securities

18.6

0.6

4.49

17.6

0.5

3.68

Total securities (TE) (l)

8,278.7

207.7

3.35

8,299.5

177.7

2.85

Total short-term investments

554.1

14.8

3.56

535.8

17.1

4.27

Average earning assets yield (TE)

33,564.8

1,267.5

5.04

32,106.9

1,214.8

5.05

INTEREST-BEARING LIABILITIES

Interest-bearing transaction and savings deposits

12,929.2

187.7

1.94

11,404.0

180.1

2.11

Time deposits

3,530.1

84.1

3.18

4,057.7

109.9

3.62

Public funds

2,887.2

55.6

2.58

2,968.2

66.4

2.99

Total interest-bearing deposits

19,346.5

327.4

2.26

18,429.9

356.4

2.59

Short-term borrowings

1,642.0

33.7

2.74

876.7

14.9

2.27

Long-term debt

200.6

8.7

5.77

210.8

9.0

5.72

Total borrowings

1,842.6

42.4

3.07

1,087.5

23.9

2.94

Total interest-bearing liabilities cost

21,189.1

369.8

2.33

19,517.4

380.3

2.61

Net interest-free funding sources

12,375.7

12,589.5

Total cost of funds

33,564.8

369.8

1.47

32,106.9

380.3

1.58

Net Interest Spread (TE)

897.7

2.71

834.5

2.45

Net Interest Margin (TE)

33,564.8

897.7

3.57

32,106.9

834.5

3.47

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

(j) Includes nonaccrual loans.

(k) Included in interest income is net purchase accounting accretion of $3.3 million for the nine months ended September 30, 2026. There was no net purchase accounting accretion 2025.

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

HANCOCK WHITNEY CORPORATION

ASSET QUALITY INFORMATION

(Unaudited)

Three Months Ended

Nine Months Ended

(dollars in thousands)

9/30/2026

6/30/2026

9/30/2025

9/30/2026

9/30/2025

Nonaccrual loans (m)

133,342

113,681

113,554

133,342

113,554

ORE and foreclosed assets

10,919

12,858

11,140

10,919

11,140

Total nonaccrual loans + ORE and foreclosed assets

144,261

126,539

124,694

144,261

124,694

Nonaccrual loans as a percentage of loans

0.50

0.46

0.48

0.50

0.48

Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets

0.54

0.51

0.53

0.54

0.53

Accruing loans 90 days past due

25,952

27,753

24,576

25,952

24,576

Accruing loans 90 days past due as a percentage of loans

0.10

0.11

0.10

Modified loans - still accruing

104,463

142,898

82,218

104,463

82,218

Modified loans - still accruing as a % of loans

0.39

0.58

0.35

0.39

0.35

PROVISION AND ALLOWANCE FOR CREDIT LOSSES:

Allowance for loan losses:

Beginning balance

312,608

311,316

313,189

307,731

318,882

Provision for loan losses

15,378

10,735

11,877

40,834

34,217

Charge-offs

(16,319

)

(12,181

)

(15,736

)

(41,893

)

(51,357

)

Recoveries

6,120

2,738

4,306

11,115

11,894

Net charge-offs

(10,199

)

(9,443

)

(11,430

)

(30,778

)

(39,463

)

Allowance on purchased seasoned loans at acquisition

21,564

—

21,564

—

Allowance on purchased credit deteriorated loans at acquisition

321

—

321

—

Ending Balance

339,672

312,608

313,636

339,672

313,636

Reserve for unfunded lending commitments:

Beginning balance

35,419

32,379

27,100

33,928

24,053

Provision for losses on unfunded lending commitments

719

3,040

774

2,210

3,821

Ending balance

36,138

35,419

27,874

36,138

27,874

Total allowance for credit losses

375,810

348,027

341,510

375,810

341,510

Total provision for credit losses

16,097

13,775

12,651

43,044

38,038

Allowance for loan losses as a percentage of period-end loans

1.28

1.27

1.33

1.28

1.33

Allowance for credit losses as a percentage of period-end loans

1.42

1.45

1.42

1.45

Allowance for loan losses as a % of nonaccrual loans

254.74

274.99

276.20

254.74

276.20

NET CHARGE-OFF INFORMATION

Net charge-offs (recoveries):

Commercial & real estate loans

7,295

6,628

7,472

21,387

29,236

Residential mortgage loans

384

149

181

712

157

Consumer loans

2,520

2,666

3,777

8,679

10,070

Total net charge-offs

10,199

9,443

11,430

30,778

39,463

Net charge-offs (recoveries) as a percentage of average loans:

Commercial & real estate loans

0.14

0.16

0.15

0.22

Residential mortgage loans

0.04

0.02

0.01

Consumer loans

0.74

0.80

1.12

0.87

1.01

Total net charge-offs as a percentage of average loans

0.16

0.19

0.17

0.23

AVERAGE LOANS

Commercial & real estate loans

20,438,291

19,085,101

18,041,177

19,398,141

17,871,805

Residential mortgage loans

3,970,070

3,921,837

4,052,310

3,958,091

4,038,261

Consumer loans

1,357,791

1,332,966

1,332,408

1,341,045

1,339,146

Total average loans

25,766,152

24,339,904

23,425,895

24,697,277

23,249,212

(m) Included in nonaccrual loans are nonaccruing modified loans to borrowers experiencing financial difficulties totaling $10.6 million at September 30, 2026, $11.4 million at June 30, 2026, $9.3 million at September 30, 2025.

HANCOCK WHITNEY CORPORATION

ASSET QUALITY INFORMATION

(Unaudited)

Three Months Ended

(dollars in thousands)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

Nonaccrual loans (m)

133,342

113,681

113,343

106,870

113,554

ORE and foreclosed assets

10,919

12,858

11,257

14,788

11,140

Total nonaccrual loans + ORE and foreclosed assets

144,261

126,539

124,600

121,658

124,694

Nonaccrual loans as a percentage of loans

0.50

0.46

0.47

0.45

0.48

Nonaccrual loans + ORE and foreclosed assets as a % of loans, ORE and foreclosed assets

0.54

0.51

0.52

0.51

0.53

Accruing loans 90 days past due

25,952

27,753

29,885

28,798

24,576

Accruing loans 90 days past due as a percentage of loans

0.10

0.11

0.12

0.10

Modified loans - still accruing

104,463

142,898

128,480

124,527

82,218

Modified loans - still accruing as a % of loans

0.39

0.58

0.54

0.52

0.35

PROVISION AND ALLOWANCE FOR CREDIT LOSSES:

Allowance for loan losses:

Beginning balance

312,608

311,316

307,731

313,636

313,189

Provision for loan losses

15,378

10,735

14,721

7,091

11,877

Charge-offs

(16,319

)

(12,181

)

(13,393

)

(17,109

)

(15,736

)

Recoveries

6,120

2,738

2,257

4,113

4,306

Net charge-offs

(10,199

)

(9,443

)

(11,136

)

(12,996

)

(11,430

)

Allowance on purchased seasoned loans at acquisition

21,564

—

Allowance on purchased credit deteriorated loans at acquisition

321

—

Ending Balance

339,672

312,608

311,316

307,731

313,636

Reserve for unfunded lending commitments:

Beginning balance

35,419

32,379

33,928

27,874

27,100

Provision for losses on unfunded lending commitments

719

3,040

(1,549

)

6,054

774

Ending balance

36,138

35,419

32,379

33,928

27,874

Total allowance for credit losses

375,810

348,027

343,695

341,659

341,510

Total provision for credit losses

16,097

13,775

13,172

13,145

12,651

Allowance for loan losses as a percentage of period-end loans

1.28

1.27

1.30

1.28

1.33

Allowance for credit losses as a percentage of period-end loans

1.42

1.43

1.45

Allowance for loan losses as a % of nonaccrual loans

254.74

274.99

274.67

287.95

276.20

NET CHARGE-OFF INFORMATION

Net charge-offs (recoveries)

Commercial & real estate loans

7,295

6,628

7,464

10,112

7,472

Residential mortgage loans

384

149

179

(76

)

181

Consumer loans

2,520

2,666

3,493

2,960

3,777

Total net charge-offs

10,199

9,443

11,136

12,996

11,430

Net charge-offs (recoveries) as a percentage of average loans:

Commercial & real estate loans

0.14

0.16

0.22

0.16

Residential mortgage loans

0.04

0.02

(0.01

0.02

Consumer loans

0.74

0.80

1.06

0.88

1.12

Total net charge-offs as a percentage of average loans:

0.16

0.19

0.22

0.19

AVERAGE LOANS

Commercial & real estate loans

20,438,291

19,085,101

18,651,397

18,376,179

18,041,177

Residential mortgage loans

3,970,070

3,921,837

3,982,502

4,011,469

4,052,310

Consumer loans

1,357,791

1,332,966

1,332,094

1,328,115

1,332,408

Total average loans

25,766,152

24,339,904

23,965,993

23,715,763

23,425,895

HANCOCK WHITNEY CORPORATION

Appendix A to the Earnings Release

Reconciliation of Non-GAAP Measure

(Unaudited)

PRE-PROVISION NET REVENUE (TE) AND ADJUSTED PRE-PROVISION NET REVENUE (TE)

Three Months Ended

Nine Months Ended

(dollars in thousands)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

9/30/2026

9/30/2025

Net Income (GAAP)

110,056

126,961

47,422

125,572

127,466

284,439

360,501

Provision for credit losses

16,097

13,775

13,172

13,145

12,651

43,044

38,038

Income tax expense

31,964

35,190

11,305

32,734

32,869

78,459

93,588

Pre-provision net revenue

158,117

175,926

71,899

171,451

172,986

405,942

492,127

Taxable equivalent adjustment (n)

1,791

2,213

2,401

2,505

2,571

6,405

7,873

Pre-provision net revenue (TE)

159,908

178,139

74,300

173,956

175,557

412,347

500,000

Adjustments from supplemental disclosure items

Loss on securities portfolio restructure

—

98,595

—

98,595

—

OFB Bancshares, Inc. acquisition expense

29,350

—

29,350

—

Sabal Trust Company acquisition expense

—

5,911

Adjusted pre-provision net revenue (TE)

189,258

178,139

172,895

173,956

175,557

540,292

505,911

REVENUE (TE), ADJUSTED REVENUE (TE) AND EFFICIENCY RATIO

Three Months Ended

Nine Months Ended

(dollars in thousands)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

9/30/2026

9/30/2025

Net interest income

313,107

293,012

285,165

282,170

279,738

891,284

826,602

Noninterest income

107,011

108,350

7,482

107,131

106,001

222,843

299,316

Total GAAP revenue

420,118

401,362

292,647

389,301

385,739

1,114,127

1,125,918

Taxable equivalent adjustment (n)

1,791

2,213

2,401

2,505

2,571

6,405

7,873

Total revenue (TE)

421,909

403,575

295,048

391,806

388,310

1,120,532

1,133,791

Adjustments from supplemental disclosure items

Loss on securities portfolio restructure

—

98,595

—

98,595

—

Adjusted total revenue (TE)

421,909

403,575

393,643

391,806

388,310

1,219,127

1,133,791

GAAP Noninterest expense

262,001

225,436

220,748

217,850

212,753

708,185

633,791

Amortization of intangibles

(2,885

)

(2,222

)

(2,548

)

(2,622

)

(2,694

)

(7,655

)

(7,331

)

Adjustments from supplemental disclosure items

OFB Bancshares, Inc. acquisition expense

(29,350

)

—

(29,350

)

—

Sabal Trust Company acquisition expense

—

(5,911

)

Adjusted noninterest expense for efficiency

229,766

223,214

218,200

215,228

210,059

671,180

620,549

Efficiency ratio (o)

54.46

55.31

55.43

54.93

54.10

55.05

54.73

EARNINGS PER SHARE AND ADJUSTED EARNINGS PER SHARE – DILUTED

Three Months Ended

Nine Months Ended

(dollars in thousands)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

9/30/2026

9/30/2025

Net Income (GAAP)

110,056

126,961

47,422

125,572

127,466

284,439

360,501

Net income allocated to participating securities

(283

)

(330

)

(159

)

(483

)

(552

)

(772

)

(1,559

)

Net income available to common shareholders

109,773

126,631

47,263

125,089

126,914

283,667

358,942

Supplemental disclosure items, net of income tax (p)

24,005

—

77,890

—

101,895

4,670

Supplemental disclosure item allocated to participating shareholders

(62

)

—

(260

)

—

(322

)

(20

)

Adjusted net income allocated to participating securities

133,716

126,631

124,893

125,089

126,914

385,240

363,592

Weighed average common shares - diluted

80,612

81,485

82,261

83,791

85,453

81,445

85,977

Earnings per share - diluted

1.36

1.55

0.57

1.49

3.48

4.17

Adjusted earnings per share - diluted

1.66

1.55

1.52

1.49

4.73

4.23

(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.

(p) Supplemental disclosure items, net of income tax calculated using the federal tax rate of 21%

EX-99.2

Filename: hwc-ex99_2.htm · Sequence: 3

Third Quarter 2026Earnings Conference Call 10/20/2026 HANCOCK WHITNEY Ex 99.2

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

Non-GAAP Reconciliations & Glossary of Terms Throughout this presentation we may use non-GAAP numbers to supplement the evaluation of our performance. The items noted below with an asterisk, "*", are considered non-GAAP. These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements, and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. Reconciliations of those non-GAAP measures to the comparable GAAP measure are included in the appendix to this presentation. The earnings release, financial tables and supporting slide presentation can be found on the company’s Investor Relations website at investors.hancockwhitney.com. ABL – Asset Based Lending ACL – Allowance for credit losses AEA – Average Earning Assets AFS – Available for sale securities Annualized – Calculated to reflect a rate based on afull year AOCI – Accumulated other comprehensive income ARM – Adjustable Rate Mortgage B – Dollars in billions Beta – repricing based on a change in market rates BOLI – Bank-owned life insurance bps – basis points Brokered Deposits – deposits obtained directly or indirectly through a deposit broker typically offering higher interest rates C&D – Construction and land development loans CD – Certificate of deposit CET1 – Common Equity Tier 1 Ratio CF – Cash flow CMBS – Commercial mortgage-backed securities CMO – Collateralized mortgage obligations CRE – Commercial real estate CSO – Corporate strategic objective DDA – Noninterest-bearing demand deposit accounts *Efficiency ratio – noninterest expense to total net interest (TE) and noninterest income, excluding amortization of purchased intangibles and other supplemental disclosure items EOP – End of period EPS – Earnings per share Fed – Federal Reserve Bank FF – Federal Funds FHLB – Federal Home Loan Bank FRB-DW – Federal Reserve Bank Discount Window Free Securities – market value of unencumbered investment securities owned by the bank FTE – Full time equivalent FV – Fair Value FY – Full Year HFS – Held for sale HTM – Held to maturity securities IB – Interest-bearing ICRE – Income-producing commercial real estate ICS – Insured Cash Sweep IRR – Interest rate risk Line Utilization - represents the used portion of a revolving line resulting in a funded balance for a given portfolio; credit cards, construction loans (commercial and residential), and consumer lines of credit are excluded from the calculation Linked-quarter (LQ) – current quarter compared to previous quarter LOC – Line of credit LQA – Linked-quarter annualized M&A – Mergers and acquisitions MM – Dollars in millions MMDA – Money market demand account MMDDYY – Month Day Year Munis – Municipal obligations NII – Net interest income *NIM – Net interest margin (TE) OCI – Other comprehensive income OFA – Other foreclosed assets OFB – OFB Bancshares, Inc., on a consolidated basis with its subsidiary, One Florida Bank 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 TBV – Tangible book value TCE – Tangible common equity ratio (common shareholders’ equity less intangible assets divided by total assets less intangible assets) *TE – Taxable equivalent (calculated using the current statutory federal tax rate) XHYY – Half Year XQYY – Quarter Year Y-o-Y – Year over year

HWC Nasdaq Listed HNCOCK WHITNEY 4 *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings As of September 30, 2026 (Healthcare) (ABL) (Operations) (Trust) $38.6 billion in Total Assets $26.5 billion in Total Loans $32.2 billion in Total Deposits 11.53% CET1 Ratio* 8.05% TCE Ratio $5.7 billion in Market Cap Baa2 Moody’s Long-term issuer rating; stable outlook BBB S&P Long-term issuer rating; positive outlook 189 banking locations Approximately 3,800 (FTE) employees corporate-wide 224 ATMs Corporate Profile

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

HWC Strong and Stable for more than 126 Years Strength to manage through challenging economic environments Density in resilient deposit markets Stable, seasoned, diversified deposits; ability to organically grow deposits Solid capital levels including all unrealized losses Ability to return capital through dividend increases and share repurchase program Commitment to maintaining a de-risked balance sheet Robust ACL Proven ability to proactively manage expenses Technology investments improve client experience and enhance efficiencies Exceptional, dedicated, committed team of associates

Third Quarter 2026 Highlights Net income totaled $110.1 million, or $1.36 per diluted share, compared to $127.0 million, or $1.55 per diluted share in 2Q26 3Q26 results include a pretax charge of ($30.4) million, or $0.30 per share, of supplemental disclosure items related to the acquisition of One Florida Bank (OFB); there were no supplemental disclosure items in 2Q26 or 3Q25 Excluding the impact of the supplemental disclosure items, adjusted EPS* was $1.66, up $0.11, or 7%, linked-quarter Adjusted Pre-Provision Net Revenue (PPNR)* totaled $189.3 million, up $11.2 million, or 6% from the prior quarter Loans increased $2.0 billion, or 32% LQA (Slide 8) Deposits increased $2.5 billion, or 34% LQA (Slide 10) Criticized commercial loans decreased and nonaccrual loans increased, compared to 2Q26 (Slide 11) ACL coverage solid at 1.42% (Slide 12) NIM of 3.61%, up 5 bps from the prior quarter (Slide 14) CET1 ratio estimated at 11.53% compared to 13.19% in the prior quarter; TCE ratio at 8.05% compared to 9.78% in the prior quarter (Slide 18) Efficiency ratio* of 54.46%, down 85 bps linked-quarter, compared to 55.31% in the prior quarter *Non-GAAP measure: See appendix for non-GAAP reconciliation **Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings ($s in millions; except per share data) 3Q26 2Q26 3Q25 Net income $110.1 $127.0 $127.5 Provision for credit losses $16.1 $13.8 $12.7 Supplemental disclosure items $30.4 --- --- Earnings per share – diluted (EPS) $1.36 $1.55 $1.49 Adjusted EPS* $1.66 $1.55 $1.49 Return on Assets (%) (ROA) 1.16 1.42 1.46 Adjusted ROA (%)* 1.41 1.42 1.46 Return on Tangible Common Equity (%) (ROTCE) 13.46 14.84 15.00 Adjusted ROTCE (%)* 16.40 14.84 15.00 Net Interest Margin (TE) (%) 3.61 3.56 3.49 Net Charge-offs (%) 0.16 0.16 0.19 CET1 Ratio (%)** 11.53 13.19 14.09 Tangible Common Equity (%) 8.05 9.78 10.01 Adjusted Pre-Provision Net Revenue (TE)* $189.3 $178.1 $175.6 Efficiency Ratio (%)* 54.46 55.31 54.10

Loan Growth Driven By OFB Acquisition, Strong Production Bar Chart Loans totaled $26.5 billion, up $2.0 billion, or 32% LQA, including OFB; up $243 million, or 4% LQA, excluding OFB balances at acquisition Growth driven primarily by an increase in Commercial Real Estate across multiple products and continued growth in Equipment Finance Prepayments stable linked-quarter Line utilization remained flat compared to prior quarter at 41.1% For 2026, we expect year-over-year low-double digit EOP loan growth Quarter-Over-Quarter Waterfall by Activity Type Quarter-Over-Quarter Waterfall by Product

Loan Portfolio Composition Diversified and De-Risked Total Loans Outstanding % of Total Loans Commitment ($s in millions) Commercial non-RE (C&I) $7,884 29.7% $14,154 CRE – owner 3,166 11.9% 3,323 ICRE 4,788 18.1% 4,983 C&D 1,308 4.9% 2,685 Healthcare (1) 2,094 7.9% 2,461 Equipment Finance 1,761 6.6% 1,761 Energy 170 0.7% 265 Total Commercial $21,171 79.8% $29,632 Mortgage 3,995 15.0% 3,996 Consumer 1,374 5.2% 3,399 Total Loans $26,540 100.0% $37,027 For Information Purposes Only (included in categories above) Retail (C&I and CRE) 2,483 8.2% 2,851 Hospitality (C&I and CRE) 1,482 5.6% 1,711 Office – ICRE 823 3.1% 847 Office – owner 1,020 3.8% 1,066 Multifamily – ICRE 1,365 5.1% 1,382 Multifamily – C&D 463 1.7% 1,072 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 $2.3 billion at 9/30/26, 8.6% of total loans, down from $2.4 billion, or 9.6% of loans, at 6/30/26 For additional details on ICRE loans, refer to slide 23 in the appendix See table below for balances of OFB Acquired loans at 8/1/26 (acquisition close) and at 9/30/26 As of September 30, 2026, OFB loans are included in the chart above. See chart to left for additional details. (1) $614 million of healthcare loans outstanding are C&I, $542 million are CRE-Owner, $698 million are ICRE, and $241 million are C&D OFB Acquired Loans Balance at 8/1/26 Balance at 9/30/26 ($s in millions) Commercial non-RE (C&I) $330 $311 CRE – owner 250 267 ICRE 565 585 C&D 128 124 Healthcare 83 83 Equipment Finance 212 211 Mortgage 129 131 Consumer 20 19 Total OFB Loans $1,717 $1,731

Strong Deposit Growth Linked Quarter Total deposits of $32.2 billion, up $2.5 billion, or 34% LQA including OFB; up $671 million, or 9% LQA, excluding OFB balances at acquisition DDA as a % of total deposits was 33% in 3Q26, compared to 35% in 2Q26 For additional details on deposit composition refer to slide 26 EOP Deposits Mix ($)* EOP Deposits Mix (%)* $ in millions % of Total Deposits Quarter-Over-Quarter Waterfall by Product OFB Acquired Deposit Balance at 8/1/26 Balance at 9/30/26 ($s in millions) DDA $419 $372 IB Transaction & Savings 1,240 1,408 IB Public Funds 15 15 Retail Time Deposits 203 191 Total OFB Deposits $1,877 $1,986 *OFB deposits included within each category at September 30, 2026. See table to the left for additional details See table below for balances of OFB Acquired deposits at 8/1/26 (acquisition close) and at 9/30/26

Continued Resilient Asset Quality Criticized commercial loans totaled $485 million, or 2.29% of total commercial loans, at September 30, 2026, down $7 million from $492 million, or 2.55% of total commercial loans, in the prior quarter Nonaccrual loans totaled $133 million, or 0.50% of total loans, at September 30, 2026, compared to $114 million, or 0.46% of total loans, in the prior quarter Expect criticized and nonaccrual levels to compare well to peers Not experiencing broad signs of weakness among any industry, collateral type, or geography Total Loans $23,597 $23,958 $23,992 $24,580 $26,540 Total Commercial Loans 18,234 18,601 18,714 19,323 21,171 Criticized Commercial Loans 549 535 522 492 485 Nonaccrual Loans 114 107 113 114 133 3.01% 0.48% $ in millions 2.88% 0.45% 2.79% 0.47% 2.29% 0.50% 2.55% 0.46%

Maintained Solid Reserves Provision for credit losses of $16.1 million for the third quarter of 2026 includes impact of unfunded commitments acquired from OFB; adjusted provision* of $15.1 million for the third quarter of 2026 reflects $10.2 million of net charge-offs and an adjusted reserve build of $4.9 million OFB acquired loans required a $22.9 million reserve build, inclusive of a $1.0 million provision for unfunded commitments identified as a supplemental disclosure item The $21.9 million reserve build was established through Day 1 credit mark Maintained solid reserve coverage at 1.42%, unchanged from the prior quarter Weighting applied to Moody’s September 2026 economic scenarios was 50% Baseline and 50% slower growth (S2), consistent with prior quarter Net Charge-offs Reserve Build / (Release) Total Provision Reserve Build / (Release) through Purchase Accounting ($s in millions) 3Q26 2Q26 3Q26 2Q26 3Q26 2Q26 3Q26 2Q26 Commercial $7.3 $6.6 $5.0 $4.0 $12.3 $10.6 $19.8 $— Mortgage 0.4 0.1 (0.6) 0.7 (0.2) 0.8 2.0 — Consumer 2.5 2.7 0.5 (0.3) 3.0 2.4 0.1 — Adjusted Total* $10.2 $9.4 $4.9 $4.4 $15.1 $13.8 $21.9 $— OFB Unfunded build — — 1.0 — 1.0 — — — Total $10.2 $9.4 $5.9 $4.4 $16.1 $13.8 $21.9 $— Portfolio ($ in millions) 9/30/2026 6/30/2026 Allowance for Credit Losses % of Loan and Leases Outstanding Allowance for Credit Losses % of Loan and Leases Outstanding Commercial $272 1.29% $247 1.28% Mortgage 44 1.09% 42 1.08% Consumer 24 1.73% 24 1.73% Allowance for Loan and Lease Losses (ALLL) $340 1.28% $313 1.27% Reserve for Unfunded Lending Commitments 36 — 35 — Allowance for Credit Losses (ACL) $376 1.42% $348 1.42% *Non-GAAP measure: See appendix for non-GAAP reconciliation

Portfolio Reinvestment Drives Yield Increase Securities portfolio* totaled $8.4 billion at 9/30/2026, up $128 million linked-quarter 79% AFS, 21% HTM at 9/30/2026 $359 million in notional FV hedges are designated on $388 million in bonds, or 6% of AFS securities; these FV hedges provide flexibility to reposition and/or reprice the hedged assets in a changing rate environment Yield 3.46%, up 11 bps primarily due to reinvestment activity at higher rates and additional FV hedge income Premium amortization totaled $3.6 million, down $1.0 million linked-quarter Effective duration 4.2 at 9/30/2026, up from 4.1 at 6/30/2026 Net unrealized losses on securities portfolio impacted by Treasury yields: Bar chart,pie chart Net Unrealized Loss $ in millions 9/30/2026 6/30/2026 AFS ($587) ($335) HTM ($173) ($130) Total ($760) ($465) * Excluding unrealized losses and FV hedges adjustment

3Q26 NIM 3.61%, up 5 bps from 2Q26 NIM 3.61% for the month of September 2026 4 bps impact from purchase accounting accretion related to OFB 3Q26 NII (TE) of $314.9 million, up $19.7 million, or 7%, compared to $295.2 million in the prior quarter $3.3 million impact from purchase accounting accretion related to OFB For 2026, expect double digit NIM expansion Assumes one 25 bp rate hike in December 2026 NIM Up Linked-Quarter Cost of Deposits 0.60% 0.50% 0.40% 0.30% 0.20% 0.10% Mar-20 Apr-20 May-20 Jun 20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Mar-21e .59% .41% .33% .29% .25% .21% .20% .19% .17% .17% .13% 3.40% 3.30% 3.20% 3.10% 3.00% 2.90% 2.80% 3Q20 NIM (TE) Impact of Securities Portfolio Purchase/Premium amortization Impact of change in earnings asset mix Lower cost of deposits Net impact of interest reversals and recoveries/loan fees accretion 4Q20 NIM (TE) 0.02% 0.06% 0.05% 0.02% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 4Q19 1Q20 2Q20 3Q20 4Q20 4.69% 3.43% 2.56% 0.76% 4.56% 3.41% 2.53% 0.67% 4.04% 3.23% 2.47% 0.38% 3.95% 3.23% 2.31% 0.30% 3.99% 3.22% 2.23% 0.25% Loan Yield Securities Yield Cost of Fund NIM HNCOCK WHITNEY 18 Line chart Yield / Cost Quarter Month NIM

Loans Loans totaled $26.5 billion at September 30, 2026 41% fixed, 59% variable (includes hybrid ARMs) 72% of variable loans tied to SOFR 24% of variable loans tied to Wall Street Journal Prime 4% of variable loans tied to other indices Approximately 4.7% ($644 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 27% ($3.7 billion) hitting floor strikes at or above Fed Funds level of 1% Swaps/Hedges (See slide 30 for more information) $1.95 billion of spot and forward-starting receive fixed/pay 1-month SOFR swaps designated as cash flow hedges on the balance sheet; extends loan duration $359 million of pay fixed/receive Fed Effective swaps designated as fair value hedges on $388 million of securities; provides OCI protection and flexibility to reposition and/or reprice the hedged assets in a changing rate environment During 3Q26, four additional cash flow hedges were executed Deposits Deposits totaled $32.2 billion at September 30, 2026 81% of deposits are MMDA (excludes PF), savings, or DDA Cycle-to-date Rate Betas Key IRR Metrics Historical Cycles Current Cycle Rates Up (4Q15-2Q19) Rates Down (2Q19-4Q20) Rates Up (1Q22-2Q24) Rates Down (2Q24-2Q26) Expected Rates Up (2Q26- ) Total Deposit Betas 29% 31% 37% 32% ~35-40% IB Deposit Betas 44% 45% 58% 53% ~55-60% Loan Betas 48% 38% 49% 36% ~45-52%

Stable Fee Income Noninterest income totaled $107.0 million, compared to $108.4 million in prior quarter Increase of $1.2 million in service charges on deposit accounts due to higher client activity and $0.2 million attributable to OFB Increase of $0.7 million in other income due to higher SBIC income, syndication fees, FHLB stock income and $0.3 million attributable to OFB, partially offset by lower derivative and BOLI income Decrease of $1.2 million in secondary mortgage fees due to the current rate environment Decrease of $1.1 million in trust fees due partially to seasonality Decrease of $0.2 million in Bank Card & ATM fees due to lower activity on client accounts, partially offset by $0.1 million increase attributable to OFB Noninterest Income Mix 3Q26 $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

Expense Growth Related to Personnel Investments Noninterest expense totaled $262.0 million, compared to $225.4 million in the prior quarter; adjusted noninterest expense* totaled $232.6 million, up $7.2 million, or 3% linked-quarter 3Q26 included $29.4 million of supplemental disclosure items related to the acquisition of OFB; there were no supplemental disclosure items in 2Q26 Personnel expenses, excluding the supplemental disclosure items, increased $6.2 million, or 5% linked-quarter, related to the impact of new hires and OFB personnel expense (see below); 38 net new bankers hired through 3Q26 A Focus on Expense Control; More Initiatives Underway Noninterest expense totaled $193.1 million, down $2.7 million, or 1% LQ Decline in personnel expense related to savings from efficiency measures taken to-date, including staff attrition and recent financial center closures Increase in other expenses mainly related to nonrecurring hurricane expense and branch closures Expense reduction initiatives to-date Closed 12 financial centers in 4Q20 8 additional financial centers closures announced in 1Q21 Ongoing branch rationalization reviews Closed Wealth Management trust offices in the NE corridor FTE down 210 compared to June 30, 2020 through staff attrition and other initiatives Early retirement package offered to select employees in 1Q21 Expect 1Q21 expenses to be flat as efficiency initiatives continue and offset typical beginning of the year increases; does not include nonrecurring charges for certain initiatives (i.e. early retirement) Adjusted Noninterest Expense* Mix 3Q26 $s in millions *Non-GAAP measure: See appendix for non-GAAP reconciliation OFB Noninterest Expense OFB Expenses 8/1/26- 9/30/26 Supplemental Disclosure Items ($s in millions) Personnel Expense $3.6 $8.3 Occupancy and Equipment 0.4 0.1 Amortization of Intangibles 1.2 - Other (net) 0.6 21.0 Total $5.8 $29.4

Capital Deployed Through Growth and Buybacks TCE ratio 8.05%, compared to 9.78% linked-quarter Leverage (Tier 1) ratio estimated at 9.79%, compared to 10.87% linked-quarter CET1 ratio estimated at 11.53%, compared to 13.19% linked-quarter Total risk-based capital ratio estimated at 13.21%, compared to 14.98% linked-quarter 1 million shares of company common stock repurchased during 3Q26 at an average price of $77.91 per share; 1 million shares remaining under existing 5% (approximately 4.1 million shares) buyback authority through December 31, 2026 Tangible Common Equity Ratio Leverage Ratio CET1 Ratio and Tier 1 Risk-Based Capital Ratio Total Risk-Based Capital Ratio September 30, 2026* 8.05% 9.79% 11.53% 13.21% June 30, 2026 9.78% 10.87% 13.19% 14.98% March 31, 2026 9.93% 10.89% 13.29% 15.10% December 31, 2025 10.06% 11.17% 13.65% 15.45% September 30, 2025 10.01% 11.46% 14.09% 15.92% CET1 Ratio 11.53% *Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings TCE Ratio 8.05%

2026 Forward Guidance Corporate Strategic Objectives (CSOs) Long-term operating objectives reviewed/updated annually(assumes fed funds at approximately 3.25% for 2028) 3 Year Objective (4Q28) 3Q26 Actual(4) ROA ≥ 1.50% 1.41% TCE 9.00 - 9.50% 8.05% ROTCE ≥ 15% 16.40% Efficiency Ratio(1) ≤ 55% 54.46% (1) Refer to appendix for non-GAAP reconciliations (2) Guidance based on one 25 bp rate hike in 4Q26 (3) Updated from prior quarter (4) Results for 3Q26 adjusted for supplemental disclosure items 3Q26 Actual 4Q26 Outlook, compared to 3Q26 FY 2026 Outlook, compared to FY25 Loans (EOP) $26.5B Up mid single digits Up low double digits Deposits (EOP) $32.2B Up upper single digits Up low double digits Net Interest Income (te)(2) $314.9MM Up between 3% - 4% Up between 9% - 9.5%(3) Net Interest Margin (te)(2) 3.61% Modest NIM expansion Double digit NIM expansion(3) Net charge-offs 0.16% 0.15% - 0.25% 0.15% - 0.25% Adjusted Noninterest Income(1) $107.0MM Up between 0.5% - 1% Up between 5.5% - 6%(3) Adjusted Noninterest Expense(1) $232.6MM Up between 2% - 2.5% Up between 8% - 8.5%(3) Adjusted Pre-Provision, Net Revenue (PPNR)(1) $189.3MM Up between 3% - 4% Up between 8% - 8.5%(3) Effective Tax Rate 22.5% Approximately 21.5% - 22% Approximately 21.5%(3) Efficiency Ratio(1) 54.46% Expect to maintain efficiency ratio below 55% Expect to maintain efficiency ratio below 55%

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

Change YTD 2026 YTD 2025 Change 3Q26 2Q26 3Q25 LQ Prior Year Y-o-Y EOP Balance Sheet 26,540.4 24,580.2 23,596.6 1,960.2 2,943.8 Loans 26,540.4 23,596.6 2,943.8 7,758.3 7,891.4 7,991.3 (133.1) (233.0) Securities 7,758.3 7,991.3 (233.0) 34,962.2 33,039.5 32,532.3 1,922.7 2,429.9 Earning assets 34,962.2 32,532.3 2,429.9 38,583.5 36,346.0 35,766.4 2,237.5 2,817.1 Total assets 38,583.5 35,766.4 2,817.0 32,177.3 29,629.8 28,659.80 2,547.5 3,517.5 Deposits 32,177.3 28,659.8 3,517.5 1,304.3 1,571.0 1,891.5 (266.7) (587.2) Short-term borrowings 1,304.3 1,891.5 (587.2) 34,349.2 31,901.9 31,291.9 2,447.3 3,057.3 Total liabilities 34,349.2 31,291.9 3,057.3 4,234.3 4,444.1 4,474.5 (209.8) (240.2) Stockholders' equity 4,234.3 4,474.5 (240.2) Avg Balance Sheet 25,766.2 24,339.9 23,425.9 1,426.3 2,340.3 Loans 24,697.3 23,249.2 1,448.1 8,284.8 8,285.6 8,383.8 (0.8) (99.0) Securities (1) 8,278.7 8,299.5 (20.8) 34,766.9 33,205.8 32,213.6 1,561.1 2,553.3 Average earning assets 33,564.8 32,106.9 1,457.9 37,591.3 35,881.5 34,751.2 1,709.8 2,840.1 Total assets 36,305.6 34,546.1 1,759.5 30,924.8 28,780.9 28,492.1 2,143.9 2,432.7 Deposits 29,521.2 28,630.5 890.7 1,514.7 1,982.1 1,135.3 (467.4) 379.4 Short-term borrowings 1,642.0 876.7 765.3 33,201.4 31,460.7 30,382.5 1,740.7 2,818.9 Total liabilities 31,881.7 30,266.8 1,614.9 4,389.9 4,420.8 4,368.7 (30.9) 21.2 Stockholders' equity 4,423.9 4,279.3 144.6 5.71% 5.60% 5.87% 11 bps -16 bps Loan yield 5.65% 5.86% -21 bps 3.46% 3.35% 2.92% 11 bps 54 bps Securities yield 3.35% 2.85% 50 bps 2.33% 2.20% 2.55% 13 bps -22 bps Cost of IB deposits 2.26% 2.59% -33 bps 82.48% 82.96% 82.33% -48 bps 15 bps Loan/Deposit ratio - EOP 82.48% 82.33% 15 bps Summary Balance Sheet ($ in millions) (1) Average securities excludes unrealized gain/(loss) Summary Balance Sheet ($ in millions) 4Q20 and YTD 2020 include $2.0 billion and 3Q20 included $2.3 billion in PPP loans, net Average securities excludes unrealized gain /(loss) Change 4Q20 3Q20 4Q19 LQ PY Line Item YTD 2020 YTD 2019 Y-o-Y EOP Balance Sheet $21,789.9 $22,240.2 $21,212.8 ($450.3) $577.1 Loans (1) $21,789.9 $21,212.8 $577.1 7,356.5 7,056.3 6,243.3 300.2 1,113.2 Securities 7,356.5 6,243.3 1,113.2 30,616.3 30,179.1 27,622.2 437.2 2,994.1 Earning Assets 30,616.3 27,622.2 2,994.1 33,638.6 33,193.3 30,600.8 445.3 3,037.8 Total assets 33,638.6 30,600.8 3,037.8 $27,698.0 $27,030.7 $23,803.6 $667.3 $3,894.4 Deposits $27,698.0 $23,803.6 $3,894.4 1,667.5 1,906.9 2,714.9 (239.4) (1,047.4) Short-term borrowings 1,667.5 2,714.9 (1,047.4) 30,199.6 29,817.7 27,133.1 381.9 3,066.5 Total Liabilities 30,199.6 27,133.1 3,066.5 3,439.0 3,375.6 3,467.7 63.4 (28.7) Stockholders' Equity 3,439.0 3,467.7 (28.7) Avg Balance Sheet $22,065.7 $22,407.8 $21,037.9 ($342.1) $1,027.8 Loans $22,166.5 $20,380.0 $1,786.5 6,921.1 6,389.2 6,201.6 531.9 719.5 Securities (2) 6,398.7 5,864.2 534.5 29,875.5 29,412.3 27,441.5 463.2 2,434.0 Average earning assets 29,235.3 26,476.9 2,758.4 33,067.5 32,685.4 30,343.3 382.1 2,724.2 Total assets 32,391.0 29,125.4 3,265.6 $27,040.4 $26,763.8 $23,848.4 $276.6 $3,192.0 Deposits $26,212.3 $23,299.3 $2,913.0 1,779.5 1,733.3 2,393.4 46.2 (613.9) Short-term borrowings 1,978.2 1,942.1 36.1 29,660.8 29,333.8 26,869.6 327.0 2,791.2 Total Liabilities 28,957.9 25,822.8 3,135.1 3,406.6 3,351.6 3,473.7 55.0 (67.1) Stockholders' Equity 3,433.1 3,302.7 130.4 3.99% 3.95% 4.69% 4 bps -70 bps Loan Yield 4.13% 4.81% -68 bps 2.23% 2.31% 2.56% -8 bps -33 bps Securities Yield 2.38% 2.62% -24 bps 0.31% 0.39% 1.11% -8 bps -80 bps Cost of IB Deposits 0.57% 1.25% -68 bps 79% 82% 89% -361 bps -1045 bps Loan/Deposit Ratio (Period End) 79% 89% -1045 bps CHANCOCK WHITNEY 26

Balance Sheet Summary 3Q25 4Q25 1Q26 2Q26 3Q26 Average Loans ($MM) 23,426 23,716 23,966 24,340 25,766 Average Total Securities* ($MM) 8,384 8,484 8,266 8,286 8,285 Average Deposits ($MM) 28,492 28,817 28,835 28,781 30,925 Loan Yield (TE) 5.87% 5.75% 5.62% 5.60% 5.71% Cost of Deposits 1.64% 1.57% 1.47% 1.43% 1.55% Tangible Common Equity Ratio 10.01% 10.06% 9.93% 9.78% 8.05% * Average securities excludes unrealized gain/(loss)

ICRE Segmentation Detail and Key Metrics ICRE loan portfolio is diversified by asset class, industry and geographic region ICRE 21% of total loans and includes a variety of collateral types Office-ICRE exposure low at only 3.1% of total loans Office buildings tend to be more mid-rise Approximately 43% of office-ICRE exposure has medical-related tenants Approximately 90% of office exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) 90% of office-ICRE portfolio (by loan count) has exposure of $5 million or less 78% of office-ICRE exposure has some level of guarantor support (corporate, personal, or both) Multifamily – ICRE and C&D exposure diverse No rent stabilized properties Approximately 70% of multifamily exposure is located within our 5-state footprint (AL, FL, LA, MS, TX) 97% of multifamily (ICRE and C&D) exposure has some level of guarantor support (corporate, personal, or both) Total Loans Outstanding % of Total Loans Commitment ($s in millions) Multifamily $1,365 5.1% $1,382 Retail 1,035 3.9% 1,064 Industrial 971 3.7% 1,080 Office 823 3.1% 847 Healthcare related properties 607 2.3% 638 Hospitality(1) 496 1.9% 504 Other 138 0.5% 144 Other land loans 38 0.1% 39 1-4 family residential construction 13 0.0% 15 Total ICRE Loans(2) $5,486 20.7% $5,713 As of September 30, 2026 (1) Includes hotel, motel and restaurants (2) Includes ICRE and $698 million healthcare loans outstanding; healthcare loans outstanding primarily included in healthcare related properties, office, and other collateral categories

EOP Loan Repricing and Maturity ($s in millions) Repricing/Maturity Term (1) Rate Structure 3 months or less 4-12 months 1-3 Years 3-5 Years 5-15 Years Over 15 Years Total Loans (EOP) Variable Rate Fixed Rate Commercial Non-RE $6,336 $417 $945 $1,690 $967 $28 $10,383 $6,471 $3,912 CRE-Owner 1,293 157 386 708 1,196 13 3,753 1,287 2,466 CRE- income producing 3,877 195 467 664 280 3 5,486 3,814 1,672 Construction and land development 1,202 17 95 100 89 46 1,549 1,191 358 Total Commercial 12,708 786 1,893 3,162 2,532 90 21,171 12,763 8,408 Residential mortgages 162 157 100 426 1,186 1,964 3,995 1,694 2,301 Consumer 1,229 51 34 41 14 5 1,374 1,240 134 Total Loans $14,099 $994 $2,027 $3,629 $3,732 $2,059 $26,540 $15,697 $10,843 % of Total 53% 4% 7% 14% 14% 8% 100% 59% 41% Weighted Average Rate 6.35% 5.26% 5.84% 5.54% 4.65% 4.79% 5.82% 6.08% 5.39% (1) Based on maturity date for fixed rate loans 88% of variable rate loans reprice in three months or less $0.9 billion of variable rate mortgages, or 6% of total variable rate loans, reprice in 5 to 15 years

Total Loan Rates and Yield Trends $ in millions Total Loan Rate(1) - Fixed 5.17% 5.24% 5.28% 5.28% 5.32% 5.39% Total Loan Rate(1) - Variable 6.58% 6.52% 6.15% 6.00% 5.94% 6.08% (1) Loan rates represent weighted average coupon rate at end of period (2) Total loan yield includes impact of cash flow hedges (3) New Loan rates represent weighted average coupon rate in the month of origination or first funded balance

Maintaining a Seasoned, Stable, Diversified Deposit Base DDA as a % of total deposits remains strong at 33% at September 30, 2026 Uninsured deposits (adjusted for collateralized public funds) were 44.3% at September 30, 2026, compared to 41.8% at June 30, 2026 The Insured Cash Sweep (ICS) product is available to clients as a way to secure deposits above FDIC limits; balances at September 30, 2026 were approximately $674 million (including OFB), up from $263 million at June 30, 2026 Repurchase (Repo) agreements are another way for clients to secure deposits; balances at September 30, 2026 were $554 million, compared to $621 million at June 30, 2026 Consumer clients comprise 40% of total deposits (45% including wealth), while commercial clients comprise 46% There were no brokered time deposits at September 30, 2026 or June 30, 2026 *Reflects preliminary allocation of line of business for OFB acquisition not yet fully integrated

Currently have approximately $21.0 billion in internal and external sources of liquidity if needed Approximately $19.3 billion in remaining net liquidity available at September 30, 2026 There were no brokered time deposits at September 30, 2026 or June 30, 2026 At September 30, 2026$ in millions TotalSources AmountUsed NetAvailability Internal Sources Free Securities $4,578 $ — $4,578 External Sources FHLB* 6,912 1,739 5,173 FRB-DW 3,478 — 3,478 Brokered Deposits 4,827 — 4,827 Overnight Fed Funds LOCs 1,219 — 1,219 Total Available Sources of Funding $21,014 $1,739 $19,275 Strong Liquidity Position; Multiple Sources of Funding Available At September 30, 2026 $ in millions Cash and O/N $ 1,207 Cash and O/N as a % of Assets 3.1% Cash and O/N + Net Availability $ 20,482 Uninsured Deposits excl. PF Deposits $ 14,270 Cash and O/N + Net Availability to Adj. Uninsured deposits 143.53% * Amount used includes letters of credit (off balance-sheet)

Summary Income Statement ($ in millions, except for per share data) *Non-GAAP measure: see slides 31-34 for non-GAAP reconciliations Change YTD 2026 YTD 2025 Change 3Q26 2Q26 3Q25 LQ Prior Year Y-o-Y 314.9 295.2 282.3 19.7 32.6 Net interest income (TE) 897.7 834.5 63.2 16.1 13.8 12.7 2.3 3.4 Provision for credit losses 43.0 38.0 5.0 107.0 108.4 106.0 (1.4) 1.0 Noninterest income 222.8 299.3 (76.5) 262.0 225.4 212.8 36.6 49.2 Noninterest expense 708.2 633.8 74.4 142.0 162.2 160.3 (20.2) (18.3) Income before income tax 362.9 454.1 (91.2) 32.0 35.2 32.9 (3.2) (0.9) Income tax expense 78.5 93.6 (15.1) 110.1 127.0 127.5 (16.9) (17.4) Net income 284.4 360.5 (76.1) 189.3 178.1 175.6 11.2 13.7 Adjusted PPNR (TE)* 540.3 505.9 34.4 110.1 127.0 127.5 (16.9) (17.4) Net income 284.4 360.5 (76.1) (0.3) (0.3) (0.6) - 0.3 Net Income allocated to participating securities (0.8) (1.6) 0.8 109.8 126.6 126.9 (16.8) (17.1) Net Income available to common shareholders 283.6 358.9 (75.3) 80.6 81.5 85.5 (0.9) (4.9) Weighted average common shares - diluted (millions) 81.4 86.0 (4.6) 1.36 1.55 1.49 (0.19) (0.13) EPS - diluted 3.48 4.17 (0.69) 3.61% 3.56% 3.49% 5 bps 12 bps NIM (TE) 3.57% 3.47% 10 bps 1.16% 1.42% 1.46% -26 bps -30 bps ROA 1.05% 1.40% -35 bps 9.95% 11.52% 11.58% -157 bps -163 bps ROE 8.60% 11.26% -266 bps 54.46% 55.31% 54.10% -85 bps 36 bps Efficiency ratio* 55.05% 54.73% 32 bps

Income Statement Summary (as Adjusted*) *Non-GAAP measure: see slides 31-34 for non-GAAP reconciliations 3Q25 4Q25 1Q26 2Q26 3Q26 Adjusted PPNR (TE)* ($000) 175,557 173,956 172,895 178,139 189,258 Net Interest Income (TE) ($000) 282,309 284,675 287,566 295,225 314,898 Net Interest Margin (TE) 3.49% 3.48% 3.55% 3.56% 3.61% Adjusted Noninterest Income* ($000) 106,001 107,131 106,077 108,350 107,011 Adjusted Noninterest Expense* ($000) 212,753 217,850 220,748 225,436 232,651 Efficiency Ratio* 54.10% 54.93% 55.43% 55.31% 54.46% Results *Non-GAAP measures. See slides 29-31 for non-GAAP reconciliations 4Q19 1Q20 2Q20 3Q20 4Q20 Operating PPNR (TE)* ($000) 125,660 115,688 118,518 126,346 130,607 Net Interest Income (TE)* ($000) 236,736 234,636 241,114 238,372 241,401 Net Interest Margin (TE)* 3.43% 3.41% 3.23% 3.23% 3.22% Noninterest Income ($000) 82,924 84,387 73,943 83,748 82,350 Operating Expense* ($000) 194,000 203,335 196,539 195,774 193,144 Efficiency Ratio* 58.88% 62.06% 60.74% 59.29% 58.23% CHANCOCK WHITNEY 27

Current Hedge Positions Cash Flow (CF) Hedges Receive 300 bps versus paying 1-month SOFR on $1.95 billion Four additional hedges were executed while no terminations were made during the third quarter of 2026 Total termination value on remaining active CF hedges is approximately ($42) million as of 9/30/2026 Future maturities of existing CF hedges range from October 2026 through January 2031 Fair Value (FV) Hedges Pay an average fixed rate of 1.94% and receive variable rate at FF effective (resulting in these bonds being a variable rate of FF plus 41 bps) No FV hedges were terminated in 3Q26; however, one FV hedge became effective on 7/1/2026 and provided full quarter impact during 3Q26 The $359 million of FV hedges reduced the duration (market price risk) from approximately 5.0 years to 1.0 year on $388 million in hedged securities All $359 million in FV hedges have become effective and contribute to the total portfolio yield Current termination value of FV hedges is approximately $36 million at 9/30/2026 When FV hedges are terminated, the value of each hedge is an adjustment to the book value of the underlying security, thereby changing its current book yield and extending its duration

PPNR (TE) and Adjusted PPNR (TE) Reconciliation Three Months Ended Nine Months Ended ($ in thousands) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD 2026 YTD 2025 Net Income (GAAP) $110,056 $126,961 $47,422 $125,572 $127,466 $284,439 $360,501 Provision for credit losses 16,097 13,775 13,172 13,145 12,651 43,044 38,038 Income tax expense 31,964 35,190 11,305 32,734 32,869 78,459 93,588 Pre-provision net revenue 158,117 175,926 71,899 171,451 172,986 405,942 492,127 Taxable equivalent adjustment* 1,791 2,213 2,401 2,505 2,571 6,405 7,873 Pre-provision net revenue (TE)* 159,908 178,139 74,300 173,956 175,557 412,347 500,000 Adjustments from supplemental disclosure items OFB Bancshares, Inc. acquisition expense 29,350 — — — — 29,350 — Loss on securities portfolio restructure — — 98,595 — — 98,595 — Sabal Trust Company acquisition expense — — — — — — 5,911 Adjusted pre-provision net revenue (TE)* $189,258 $178,139 $172,895 $173,956 $175,557 $540,292 $505,911 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 Provision for Credit Losses 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 $125,660CHANCOCK WHITNEY 31 Adjusted Noninterest Expense Three Months Ended Nine Months Ended ($ in thousands) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD 2026 YTD 2025 Noninterest expense (GAAP) $262,001 $225,436 $220,748 $217,850 $212,753 $708,185 $633,791 Adjustments from supplemental disclosure items OFB Bancshares, Inc. acquisition expense (29,350) — — — — (29,350) — Sabal Trust Company acquisition expense — — — — — — (5,911) Adjusted noninterest expense $232,651 $225,436 $220,748 $217,850 $212,753 $678,835 $627,880 Three Months Ended Nine Months Ended ($ in thousands) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD 2026 YTD 2025 Provision for credit losses (GAAP) $16,097 $13,775 $13,172 $13,145 $12,651 $43,044 $38,038 Adjustment from supplemental disclosure item One Florida Bank reserve acquired for unfunded commitments (1,036) — — — — (1,036) — Adjusted provision for credit losses $15,061 $13,775 $13,172 $13,145 $12,651 $42,008 $38,038 Three Months Ended Nine Months Ended ($ in thousands) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD 2026 YTD 2025 Noninterest income (GAAP) $107,011 $108,350 $7,482 $107,131 $106,001 $222,843 $299,316 Adjustment from supplemental disclosure item Loss on securities portfolio restructure — — 98,595 — — 98,595 — Adjusted noninterest income $107,011 $108,350 $106,077 $107,131 $106,001 $321,438 $299,316 Adjusted Noninterest Income

Adjusted Efficiency Ratio Reconciliation *Taxable equivalent (TE) amounts are calculated using a federal tax rate of 21% ** The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and supplemental disclosure items noted above Three Months Ended Nine Months Ended ($ in thousands) 3Q26 2Q26 1Q26 4Q25 3Q25 YTD 2026 YTD 2025 Net interest income $313,107 $293,012 $285,165 $282,170 $279,738 $891,284 $826,602 Noninterest income 107,011 108,350 7,482 107,131 106,001 222,843 299,316 Total GAAP revenue 420,118 401,362 292,647 389,301 385,739 1,114,127 1,125,918 Taxable equivalent adjustment 1,791 2,213 2,401 2,505 2,571 6,405 7,873 Total revenue (TE)* $421,909 $403,575 $295,048 $391,806 $388,310 $1,120,532 $1,133,791 Adjustments from supplemental disclosure items Loss on securities portfolio restructure — — 98,595 — — 98,595 —- Adjusted total revenue (TE)* for efficiency $421,909 $403,575 $393,643 $391,806 $388,310 $1,219,127 $1,133,791 GAAP Noninterest expense $262,001 $225,436 $220,748 $217,850 $212,753 $708,185 $633,791 Amortization of Intangibles (2,885) (2,222) (2,548) (2,622) (2,694) (7,655) (7,331) Adjustments from supplemental disclosure items OFB Bancshares, Inc. acquisition expense (29,350) — — — — (29,350) — Sabal Trust Company acquisition expense — — — — — — (5,911) Adjusted noninterest expense less amortization of intangibles $229,766 $223,214 $218,200 $215,228 $210,059 $671,180 $620,549 Efficiency Ratio** 54.46% 55.31% 55.43% 54.93% 54.10% 55.05% 54.73%

*Supplemental disclosure items, net of income tax impact calculated using federal tax rate of 21% Adjusted Net Income, ROA, and ROTCE Reconciliation Three Months Ended ($ in thousands) 3Q26 2Q26 3Q25 Average total assets $37,591,325 $35,881,537 $34,751,209 Average common stockholders' equity $4,389,908 $4,420,837 $4,368,746 Average goodwill and other intangible assets (1,146,215) (988,701) (996,408) Average tangible common equity $3,243,693 $3,432,136 $3,372,338 Net income (GAAP) $110,056 $126,961 $127,466 Supplemental disclosure items, net of income tax* 24,005 -- -- Adjusted Net Income $134,061 $126,961 $127,466 ROA 1.16% 1.42% 1.46% Adjusted ROA 1.41% 1.42% 1.46% ROTCE 13.46% 14.84% 15.00% Adjusted ROTCE 16.40% 14.84% 15.00% Adjusted Earnings Per Share – Diluted Reconciliation Three Months Ended ($ in thousands) 3Q26 2Q26 3Q25 Net Income (GAAP) $110,056 $126,961 $127,466 Net income allocated to participating securities (283) (330) (552) Net income available to common shareholders $109,773 $126,631 $126,914 Supplemental disclosure items, net of income tax* 24,005 — — Supplemental disclosure items allocated to participating securities (62) — — Adjusted net income allocated to participating securities $133,716 $126,631 $126,914 Weighted average common shares – diluted 80,612 81,485 85,453 Earnings per share – diluted $1.36 $1.55 $1.49 Adjusted earnings per share – diluted $1.66 $1.55 $1.49

Third Quarter 2026Earnings Conference Call 10/20/2026 HANCOCK WHITNEY

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