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Cadence Bank

IDRSSD: 606046
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2023-Q4QoQ +9

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #606046 2023-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +9 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +15
  • Asset Quality
    ↑ +10
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +8
89
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 83.7%, cash 8.6% of assets.

Cash / Assets
8.65%
Loans / Deposits
83.68%
Brokered %
1.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.95%
No watch items at this period.

Capitalization

StableQoQ +15
79
Sub-score

Capital position is stable: Tier 1 RBC 12.06%, CET1 11.62%, leverage 9.04%.

Tier 1 RBC
12.06%
CET1
11.62%
Leverage
9.04%
No watch items at this period.

Asset Quality

StrongQoQ +10
93
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 5.9%, NCO YTD 0.29%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.29%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 1.43% of loans, coverage 158.6%, true coverage 120.7%.

ALLL / Loans
1.43%
Coverage
158.6%
True Loss Coverage
120.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 07:52:33 UTC