Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1 Hancock Plaza
Gulfport, MS 39501

Whitney Bank (MS) is headquartered in Gulfport and is the largest bank in the state of Mississippi. It is also the 71st largest bank in the nation. It was established in 1899 and as of June of 2014, it had grown to 3,899 employees at 216 locations. Whitney Bank (MS) has a A+ health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Whitney Bank (MS) had $182.09 million in non-current loans and owned real-estate with $2.58 billion in equity and loan loss allowances on hand to cover it. This gives Whitney Bank (MS) a Texas Ratio of 7.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Whitney Bank (MS) decreased dramatically from 25.04% as of June 30, 2013 to 7.06% as of June 30, 2014, resulting in a positive change of 71.81%.This indicates that the balance sheet and financial strength for Whitney Bank (MS) has improved dramatically in recent periods.

Deposit Growth


In the past year, Whitney Bank (MS) has increased its total deposits by $10.03 billion, resulting in 189.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Whitney Bank (MS) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Whitney Bank (MS) has $19.23 billion in assets with $2.58 billion in equity, resulting in a capitalization level of 13.42%, which is excellent.

Institution Statistics

FDIC Certificate #12441
Year Established1899
Primary RegulatorFDIC
Assets and Liabilities
Assets$19.23 billion
Loans$12.78 billion
Deposits$15.33 billion
Equity Capital$2.45 billion
Loan Loss Allowance$128.67 million
Unbacked Noncurrent Loans$141.81 million
Real Estate Owned$40.28 million
Historic Data - June 2013
Assets$6.65 billion
Equity Capital$665.26 million
Loan Loss Allowance$93.40 million
Unbacked Noncurrent Loans$141.81 million
Real Estate Owned$16.53 million
Profit Margin - Quarterly
Return on Assets0.98%
Return on Equity7.75%
Interest Income$348.29 million

Sorry, we do not have rate data for Whitney Bank (MS)


Whitney Bank (MS) has 114 locations. Click to view all Whitney Bank (MS) locations.