Cadence Bank
Tupelo, MS
IDRSSD: 606046
Total Assets
$53.53B
Latest filing
Total Deposits
$44.14B
Latest filing
Net Interest Margin
3.60%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
3 routesView all→
062206295TUPELO, MS065300486TUPELO, MS084201278TUPELO, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cadence Bank
201 S Spring St
Tupelo, MS 38804
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1876FDIC Certificate 7557
Branches (417)
Page 1 of 60| Name | Address | City / State |
|---|---|---|
| Cadence Bank (Main) | 201 S Spring St | Tupelo, MS |
| CARLISLE BRANCH | 118 N Court St | Carlisle, AR |
| MELBOURNE BRANCH | 121 E Main St | Melbourne, AR |
| GRENADA BRANCH | 750 Sunset Dr | Grenada, MS |
| GLENNVILLE BRANCH | 205 S Veterans Blvd | Glennville, GA |
| LUMBERTON BRANCH | 201 W Main Ave | Lumberton, MS |
| GRANT BRANCH | 5399 Main St | Grant, AL |
| NOLENSVILLE BRANCH | 7122 Nolensville Rd | Nolensville, TN |
Showing 7 of 417
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/01/1876 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 38804 |
| State and County Number | 28081 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Tupelo, MS |
Operational Info
| Number of Employees | 5,825 |
| Domestic Offices | 416 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cadencebank.com |
| Data Updated | 01/30/2026 |
| CERT | 11813 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $53.53B |
| Total Deposits | $44.14B |
| Total Liabilities | $47.29B |
| Total Equity Capital | $6.24B |
| Net Income | $146.75M |
| Net Loans and Leases | $37.02B |
| Assets Per Employee ($Millions) | $9.31M |
| Bank Premises and Fixed Assets | $821.51M |
| Cash and Balances due from Depository Institutions | $2.20B |
| Deposits Held in Domestic Offices | $44.14B |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 9.52% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 57.45% |
| Tier 1 Risk-Based Capital Ratio | 11.688% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.664% |
| Earning Assets to total Assets | 88.96% |
Income and Expense
| Total Interest Income | $686.99M |
| Total Noninterest Income | $101.02M |
| Total Interest Expense | $260.06M |
| Total Noninterest Expense | $310.80M |
| Net Interest Income | $426.92M |
| Pre-tax Net Operating Income | $189.15M |
| Provision for Credit Losses | $28.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $11.74M |
| Other borrowed funds | $2.25B |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.24M |
| Federal Funds Purchased and Repurchased Agreement | $24.83M |
| All Other Liabilities | $832.08M |
| Total Liabilities and Capital | $53.53B |
Securities
| Securities | $9.14B |
| Available-for-sale debt securities | $9.12B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $28.18M |
| Trading Liabilities | $36.56M |
Frequently Asked Questions
What are the total assets of Cadence Bank?
$53.53B as of the latest filing.
How much are Cadence Bank's total deposits?
$44.14B in total deposits.
Where is Cadence Bank located?
Tupelo, MS.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
416.
When was it established?
03/01/1876.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$37.02B (latest filing).
What is the total interest income (latest filing)?
$686.99M.