汉考克惠特尼 2026年季度报告

FORM 10-Q (Mark one)☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended March 31, 2026OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromtoCommission file number: 001-36872 HANCOCK WHITNEY CORPORATION (Exact name of registrant as specified in its charter) Mississippi64-0693170(State or other jurisdiction ofincorporation or organization)(I.R.S. EmployerIdentification No.)HancockWhitneyPlaza, 2510 14 Street,Gulfport, Mississippi39501(Address of principal executive offices)(Zip Code)(228) 868-4000(Registrant’s telephone number, including area code)th Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Actof 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject tosuch filing requirements for the past 90 days.☒Yes☐No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company,or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerginggrowth company” in Rule 12b-2 of the Exchange Act: Large accelerated filer☒Non-accelerated filer☐Emerging growth company☐ Accelerated filer☐Smaller reporting company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying withany new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).☐Yes☒No Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. 81,157,968 common shares were outstanding at April 30, 2026. Hancock Whitney Corporation Index Part I. Financial InformationPageNumberITEM 1.Financial Statements5Consolidated Balance Sheets (unaudited) – March 31, 2026 and December 31, 20255Consolidated Statements of Income (unaudited) – Three Months Ended March 31, 2026 and 20256Consolidated Statements of Comprehensive Income (unaudited) – Three Months Ended March 31, 2026 and20257Consolidated Statements of Changes in Stockholders’ Equity (unaudited) – Three Months Ended March 31,2026 and 20258Consolidated Statements of Cash Flows (unaudited) – Three Months Ended March 31, 2026 and 20259Notes to Consolidated Financial Statements (unaudited) – March 31, 2026 and 202510ITEM 2.Management's Discussion and Analysis of Financial Condition and Results of Operations39ITEM 3.Quantitative and Qualitative Disclosures about Market Risk62ITEM 4.Controls and Procedures64Part II. Other InformationITEM 1.Legal Proceedings65ITEM 1A.Risk Factors65ITEM 2.Unregistered Sales of Equity Securities and Use of Proceeds65ITEM 3.Default on Senior SecuritiesN/AITEM 4.Mine Safety DisclosuresN/AITEM 5.Other Information65ITEM 6.Exhibits66Signatures67 Hancock Whitney CorporationGlossary of Defined Terms Hancock Whitney Corporation –a financial holding company registered with the Securities and Exchange CommissionHancock Whitney Bank –a wholly-owned subsidiary of Hancock Whitney Corporation through which Hancock WhitneyCorporation conducts its banking operationsCompany –Hancock Whitney Corporation and its consolidated subsidiariesParent –Hancock Whitney Corporation, exclusive of its subsidiariesBank –Hancock Whitney Bank Other Terms:ACL– allowance for credit losses AFS –available for sale securitiesAI –Artificial IntelligenceALCO –Asset Liability Management CommitteeALLL– allowance for loan and lease lossesAML– Anti-money launderingAOCI –accumulated other comprehensive income or lossASC– Accounting Standards CodificationASU– Accounting Standards UpdateATM–automated teller machineBasel III –Basel Committee's 2010 Regulatory Capital Framework (Third Accord)Beta –amount by which deposit or loan costs change in response to movement in short-term interest ratesBOLI– bank-owned life insurancebp(s) –basis point(s)C&I– commercial and industrial loansCD –certificate of depositCDE– Community Development EntityCECL– Current Expected Credit LossesCEO –Chief Executive OfficerCFPB –Consumer Financial Protection BureauCFO –Chief Financial OfficerCISO –Chief Information Security OfficerCMO– collateralized mortgage obligationCore client deposits– total deposits excluding public fun