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Hancock Whitney is a ~$35B-asset Gulf South regional bank built from the 2011 merger of Mississippi's Hancock and Louisiana's Whitney. It takes low-cost deposits from households and businesses across Mississippi, Louisiana, Alabama, Florida and Texas and lends them back out — earning most of its money on the interest-rate spread, plus a growing stream of trust, wealth and payments fees.

A deposit-funded lending machine

Money flows in as cheap Gulf South deposits, the Federal Reserve and FDIC set the rules, Hancock Whitney turns the deposits into loans, mortgages, trust and card services, and those reach consumers and businesses across five states. The bank earns the spread between what it pays savers and what it charges borrowers.

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