Cadence Bank


201 S Spring St
Tupelo, MS 38804
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Cadence Bank is an FDIC insured institution located in Tupelo, MS. It was founded in 1876 and has approximately $48.93 billion in assets. Customers can open an account at one of its 315 branches.

FDIC Insured Yes
FDIC Certificate # 11813
Date Established 1876
Assets $ 48.93 billion
Loans $ 32.22 billion
Deposits $ 38.50 billion
Capital $ 5.17 billion

For a more detailed analysis of Cadence Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 12, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - July 12, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cadence Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Learn More
DECO Mortgage
NMLS ID: 2561451
6.355% 6.250%
0.75 points
$3,648 fees
$1,971 Learn More
PenFed Credit Union
NMLS ID: 401822
6.541% 6.375%
0.75 points
$5,603 fees
$1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.602% 6.490%
1.00 points
$3,746 fees
$2,021 Learn More
Rocket Mortgage
NMLS ID: 3030
6.961% 6.875%
0.88 points
$2,800 fees
$2,103 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Cadence Bank
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Cadence Bank Locations

Climate Policy and Initiatives

Cadence Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Cadence Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cadence Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cadence Bank U.S. Bank Average
5.34% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Cadence Bank had $295,131,000 in non-current loans and $5,852,000 in owned real estate. To cover these potential losses it had $5,167,843,000 in equity and $468,034,000 in loans loss reserves. That gives it a Texas Ratio of 5.34%.

Return on Equity
Cadence Bank U.S. Bank Average
11.87% 12.20%

Cadence Bank has a Return on Equity of 11.87% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cadence Bank U.S. Bank Average
10.56% 10.76%

Cadence Bank has a Capitalization of 10.56% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cadence Bank Balance Sheet Analysis

As of December 31, 2023, Cadence Bank had assets of $48,934,510,000, loans of $32,215,289,000, and deposits of $38,497,138,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 4.23 billion
Interest-bearing balances $ 3.43 billion
Total securities $ 8.10 billion
Federal funds sold and reverse repurchase $ 0.50 million
Net loans and leases $ 32.22 billion
Loan loss allowance $ 468.03 million
Trading account assets $ 25.59 million
Bank premises and fixed assets N.A.
Other real estate owned $ 5.85 million
Goodwill and other intangibles $ 1,580.92 million
All other assets $ 1,840.82 million
     Total Assets $ 43.77 billion
Total deposits $ 38.50 billion
      Interest-bearing deposits $ 29.27 billion
      Deposits held in domestic offices $ 38.50 billion
      % insured (estimated) 60.05%
Federal funds purchased and repurchase agreements $ 451.52 million
Trading liabilities $ 41.73 million
Other borrowed funds $ 1,324.03 million
Subordinated debt $ 437.69 million
All other liabilities $ 668.10 million
      Total Liabilities $ 43.77 billion
      Shareholders’ Equity $ 5.17 billion

Summary Income Statement

December 31, 2024
Total Interest Income $ 2.31 billion
Total Interest Expense $ 958.81 million
Net interest income $ 1,351.36 million
Provision for loan and lease losses $ 80.00 million
Total non interest income $ 317.76 million
Total non interest expense $ 1,154.83 million
Pre-tax Net Operating Income $ 313.87 million

Bank Loan Profile?

The top three loan types in Cadence Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Mississippi, Cadence Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.32
Credit Card Loans 0.20
Consumer Auto Loans 0.16
Small Business Loans 5.87
Construction and Development Loans 9.26
Commercial Real Estate 23.96
Commercial and Industrial Loans 23.74
Farm Loans 0.39

Customer Reviews for Cadence Bank

  • November 22, 2019

    some of the policies and number of tellers vs. time of day are a disgrace.......beginning to wonder if the bank is in financial strain due to the "suits" casually walking around......
    let me explain.....
    it took 40 min. of standing in line to approach the teller.(five people in front of me) She was pleasant to talk with and completed my mortgage transaction rather quickly. I asked her to cash a check from my personal bank (same bank that mortgage check was drawn from)....I was told she would have to get a approval code in order to cash it ! they will take a mortgage check that is much larger.....but not a personal check from the same account.....really ?
    ratings ?....hmmmm.....are there negative "stars" ?

  • June 5, 2019

    Horrible Bank!!! No Customer Service skills what so ever, no empathy or compassion for the customer!!! They do not protect your money

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