Cadence Bank, N.A.

2100 Third Avenue North
Birmingham, AL 35203

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4999
Date Established 1887
Assets $10.98 billion
Loans $8.59 billion
Deposits $9.20 billion
Capital $1.49 billion

Cadence Bank, N.A. is an FDIC insured institution located in Birmingham, AL. It was founded in 1887 and has approximately $10.98 billion in assets. Customers can open an account at one of its 74 branches.

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

Bank Loan Profile?

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

Compared to other banks in Alabama, Cadence Bank, N.A. 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.56
Multifamily
Mortgages
1.46
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 2.34
Construction and Development Loans 5.80
Commercial Real Estate 11.81
Commercial and Industrial Loans 57.82
Farm Loans 0.01

Deposit Rates - July 16, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
2.00% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.00% $500 - Learn MoreShow Less
Special: 14 Mo FIRA
2.30% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
2.60% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
2.50% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $1,000 $4,999 Learn MoreShow Less
MM 10K
0.10% $5,000 $14,999 Learn MoreShow Less
MM 25K
0.20% $15,000 $29,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.10% $1,500 $14,999 Learn MoreShow Less
Premium MM 25K
0.50% $15,000 $29,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,500 - Learn MoreShow Less

Loan Rates - July 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cadence Bank, N.A.

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Cadence Bank, N.A.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Cadence Bank, N.A. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Cadence Bank, N.A. Locations

Financial Details

Cadence Bank, N.A. Ratio Analysis

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

Texas Ratio
Cadence Bank, N.A. U.S. Bank Average
4.59% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2018, Cadence Bank, N.A. had $65,758,000 in non-current loans and $6,642,000 in owned real estate. To cover these potential losses it had $1,486,967,000 in equity and $91,537,000 in loans loss reserves. That gives it a Texas Ratio of 4.59%.

Return on Equity
Cadence Bank, N.A. U.S. Bank Average
11.51% 9.35%

Cadence Bank, N.A. has a Return on Equity of 11.51% versus the BestCashCow average of 9.35%. 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.

Capitalization
Cadence Bank, N.A. U.S. Bank Average
13.54% 12.01%

Cadence Bank, N.A. has a Capitalization of 13.54% versus the BestCashCow average of 12.01. 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, N.A. Balance Sheet Analysis

As of March 31, 2018, Cadence Bank, N.A. had assets of $10,981,275,000, loans of $8,592,896,000, and deposits of $9,202,758,000. 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

ASSETS
Cash & Balances due from depository institutions $0.41 billion
Interest-bearing balances $0.28 billion
Total securities $1.25 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $8.59 billion
Loan loss allowance $0.09 billion
Trading account assets $0.01 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.32 billion
All other assets $0.33 billion
     Total Assets $9.49 billion
LIABILITIES
Total deposits $9.20 billion
      Interest-bearing deposits $7.16 billion
      Deposits held in domestic offices $9.20 billion
      % insured (estimated) 49.58%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.01 billion
Other borrowed funds $0.15 billion
Subordinated debt $0.02 billion
All other liabilities $0.11 billion
      Total Liabilities $9.49 billion
      Shareholders’ Equity $1.49 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.11 billion
Total Interest Expense $0.02 billion
Net interest income $0.10 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.06 billion
Pre-tax Net Operating Income $0.05 billion

Frequently Asked Questions About Cadence Bank, N.a.

Branches and Savings

Is Cadence Bank, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #4999.

Why does Cadence Bank, N.a. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cadence Bank, N.a. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cadence Bank, N.a. a commercial bank?

Yes

Where are Cadence Bank, N.a. locations?

See branch locations nearby.

Is Cadence Bank, N.a. open on Saturdays?

Is Cadence Bank, N.a. open on Sundays?

What time does Cadence Bank, N.a. open?

What time does Cadence Bank, N.a. close?

Are Cadence Bank, N.a. ATMs Open 24/7?

Do Cadence Bank, N.a. ATMs accept cash deposits?

Can Cadence Bank, N.a. customers use other ATMs?

Do Cadence Bank, N.a. branches have notaries?

Will Cadence Bank, N.a. notarize my document?

What address for Cadence Bank, N.a. should I put for incoming ACH transfers?

Will the Cadence Bank, N.a. branch print checks?

Do Cadence Bank, N.a. checks expire?

Does Cadence Bank, N.a. require US citizenship to open account?

Can Cadence Bank, N.a. close my account?

Does Cadence Bank, N.a. Report to credit bureaus?

Does Cadence Bank, N.a. Use Equifax?

What is Cadence Bank, N.a.'s ACH Routing Number?

What is Cadence Bank, N.a.'s SWIFT code?

Products

Does Cadence Bank, N.a. offer mortgages?

Compare mortgage rates here.

Does Cadence Bank, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cadence Bank, N.a. offer personal loans?

Compare personal loan rates here.

Does Cadence Bank, N.a. offer student loans?

Will Cadence Bank, N.a. cash a check?

Will Cadence Bank, N.a. redeem a savings bond?

Does Cadence Bank, N.a. cash savings bonds?

Will Cadence Bank, N.a. cash money orders?

Can Cadence Bank, N.a. issue a money order?

Does Cadence Bank, N.a. do currency exchange?

Background on The Bank

Who owns Cadence Bank, N.a.?

How long has Cadence Bank, N.a. been around?

Can Cadence Bank, N.a. transfer to other banks?

Does Cadence Bank, N.a. have quick pay?

Does Cadence Bank, N.a. accept rolled coins?

Will Cadence Bank, N.a. accept loose change?

Where is Cadence Bank, N.a. headquarters?

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