Cadence Bank N.a. Mortgage Rates, Fees & Info
Atlanta, GALEI: 3XATK28RYORGPDF31217
Tax ID: 64-0156695
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Review & Overview
Cadence Bank N.a. is a smaller bank specializing in Home Purchase loans. Cadence Bank N.a. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Birmingham, Tuscaloosa, Atlanta, and Huntsville among others. We have data for 94 markets. (Some data included below & more in-depth data is available with an active subscription.)Cadence Bank N.a. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cadence Bank N.a. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
2,775Origination Dollar Volume (All Markets)
$730,255,000Employee count
1,849Awards
×
![]()
Cadence Bank N.A. - 2019
Cadence Bank N.A. is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for Cadence Bank N.A.?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 972 | $296,270,000 | $304,805 | $5,283 | 4.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 323 | $57,405,000 | $177,724 | $2,488 | 4.59% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 245 | $52,465,000 | $214,143 | $2,920 | 4.33% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 146 | $34,950,000 | $239,384 | $3,418 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 150 | $29,760,000 | $198,400 | $2,701 | 4.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $25,090,000 | $12,545,000 | $660 | 5.85% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $22,570,000 | $11,285,000 | $0 | 5.30% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 90 | $21,200,000 | $235,556 | $4,259 | 5.33% |
| MONTGOMERY, AL (FHA|USDA|VA) | 103 | $17,495,000 | $169,854 | $2,361 | 4.25% |
| Starkville, MS (FHA|USDA|VA) | 85 | $17,425,000 | $205,000 | $3,344 | 4.33% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 51 | $15,935,000 | $312,451 | $5,153 | 4.98% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 49 | $15,695,000 | $320,306 | $5,564 | 4.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 30 | $14,500,000 | $483,333 | $9,529 | 4.78% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 71 | $10,555,000 | $148,662 | $2,117 | 5.16% |
| Outside of Metro Areas | 46 | $9,190,000 | $199,783 | $3,407 | 4.73% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $8,170,000 | $817,000 | $13,218 | 4.31% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 67 | $8,035,000 | $119,925 | $1,615 | 4.97% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 32 | $5,520,000 | $172,500 | $2,668 | 5.02% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 25 | $5,005,000 | $200,200 | $2,313 | 4.84% |
| Columbus, MS (FHA|USDA|VA) | 33 | $4,125,000 | $125,000 | $2,064 | 4.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $3,195,000 | $639,000 | $8,938 | 5.09% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $5,981 | 4.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 14 | $2,740,000 | $195,714 | $3,810 | 4.58% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $2,705,000 | $2,705,000 | $36,363 | 3.75% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $7,262 | 4.21% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $2,185,000 | $728,333 | $10,933 | 4.29% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $6,625 | 4.56% |
| SAVANNAH, GA (FHA|USDA|VA) | 11 | $2,125,000 | $193,182 | $6,051 | 4.95% |
| Albertville, AL (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $4,854 | 4.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 17 | $2,025,000 | $119,118 | $2,873 | 4.78% |
| Cullman, AL (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $6,400 | 4.17% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 14 | $1,750,000 | $125,000 | $4,565 | 4.68% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $1,735,000 | $1,735,000 | $25,637 | 3.75% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $9,436 | 4.63% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $18,910 | 4.25% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $18,729 | 4.69% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $2,587 | 3.79% |
| MIDLAND, TX (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $3,958 | 5.17% |
| DECATUR, AL (FHA|USDA|VA) | 9 | $1,085,000 | $120,556 | $2,222 | 4.14% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $1,822 | 4.28% |
| LUBBOCK, TX (FHA|USDA|VA) | 9 | $1,045,000 | $116,111 | $1,189 | 5.26% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $18,973 | 4.25% |
| WACO, TX (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,482 | 5.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $18,614 | 4.25% |
| West Point, MS (FHA|USDA|VA) | 9 | $935,000 | $103,889 | $3,655 | 4.78% |
| Seneca, SC (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $10,870 | 4.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,710 | 4.94% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $11,569 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,619 | 5.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $5,783 | 4.44% |
| OCALA, FL (FHA|USDA|VA) | 7 | $685,000 | $97,857 | $2,916 | 4.52% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,077 | 4.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $625,000 | $89,286 | $0 | 5.78% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,183 | 4.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 5.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,806 | 4.56% |
| Bay City, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,683 | 5.06% |
| ODESSA, TX (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $2,444 | 5.09% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,195 | 5.00% |
| GADSDEN, AL (FHA|USDA|VA) | 6 | $400,000 | $66,667 | $1,539 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 5.63% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $1,993 | 5.97% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,119 | 3.88% |
| Athens, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $822 | 5.94% |
| Troy, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,227 | 3.25% |
| Meridian, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,791 | 3.88% |
| Americus, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.99% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,367 | 4.25% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,277 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,565 | 4.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 5.73% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.85% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $369 | 3.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,638 | 4.38% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,165 | 4.56% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,712 | 3.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,167 | 6.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,315 | 3.88% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,142 | 5.38% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $880 | 4.75% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,049 | 6.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.88% |
| TYLER, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $904 | 6.13% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 4.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,649 | 6.25% |
| Granbury, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $650 | 6.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $1,374 | 5.63% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,881 | 3.88% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,480 | 5.75% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,438 | 3.50% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,425 | 5.25% |
| Rockport, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $750 | 6.25% |
| Bonham, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,849 | 5.75% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $820 | 4.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against Cadence Bank N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
US COMMUNITY
Similarity Rank: 64
Similarity Rank: 64
AMERICA'S FIRST
Similarity Rank: 80
Similarity Rank: 80
ALABAMA CREDIT UNION
Similarity Rank: 180
Similarity Rank: 180
Alabama One Credit Union
Similarity Rank: 247
Similarity Rank: 247
ARAPAHOE CREDIT UNION
Similarity Rank: 256
Similarity Rank: 256
The District Federal Credit Union
Similarity Rank: 372
Similarity Rank: 372
MAX Credit Union
Similarity Rank: 392
Similarity Rank: 392
DENVER COMMUNITY
Similarity Rank: 480
Similarity Rank: 480
Emory Alliance Credit Union
Similarity Rank: 516
Similarity Rank: 516
MEMBERS CHOICE Credit Union
Similarity Rank: 549
Similarity Rank: 549
Product Mix
For 2019, Cadence Bank N.a.'s most frequently originated type of loan was Conventional, with 2,319 originations. Their 2nd most popular type was HELOC, with 355 originations.
Loan Reason
For 2019, Cadence Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 2,062 originations. The 2nd most popular reason was Home Improvement, with 303 originations.
Loan Duration/Length
For 2019, Cadence Bank N.a.'s most frequently cited loan duration was 30 Year, with 1,829 originations. The 2nd most popular length was Other, with 325 originations.
Origination Fees/Closing Costs
Cadence Bank N.a.'s average total fees were $4,316, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,497 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,542 | $403,710,000 | $261,809 |
| 3-4% | 600 | $216,420,000 | $360,700 |
| 5-6% | 543 | $102,615,000 | $188,978 |
| 6-7% | 89 | $7,315,000 | $82,191 |
| 2.5-3% | 1 | $195,000 | $195,000 |
During 2019, Cadence Bank N.a.'s average interest rate for loans was 4.26%, while their most frequently originated rate bucket for loans was 4-5%, with 1,542 originations.
Loan Sizing
2019 saw Cadence Bank N.a. place emphasis on $100k-200k loans with 1,012 originations, totaling $154,350,000 in origination value.
Applicant Income
Cadence Bank N.a. lent most frequently to those with incomes in the $50k-75k range, with 561 originations. The second most popular income band? $50k or less, with 558 originations.
Applicant Debt to Income Ratio
Cadence Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 538 originations. The next most common DTI ratio? 30-36%, with 476 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.65%
Cadence Bank N.a. has a below average approval rate.
Pick Rate
Approvals leading to origination80.79%
Cadence Bank N.a. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,775 | $730,255,000 | $263,155 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 11 | $52,665,000 | $4,787,727 |
| Single Family (1-4 Units):Site-Built | 2,764 | $677,590,000 | $245,148 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CADENCE BANCORPORATION | Conventional home mortgage | Closing on a mortgage | 1 | 16.7% |
| CADENCE BANCORPORATION | Conventional home mortgage | Incorrect information on your report | 1 | 16.7% |
| CADENCE BANCORPORATION | Conventional home mortgage | Struggling to pay mortgage | 3 | 50.0% |
| CADENCE BANCORPORATION | Conventional home mortgage | Trouble during payment process | 1 | 16.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Cadence Bank, N.A. | 3527 Wheeler Road Augusta, GA 30909 | Full Service B&M | $174,042 |
| Cadence Bank, N.A. | 10003 North West Military Hwy San Antonio, TX 78231 | Full Service Retail | $144,802 |
| Cadence Bank, N.A. | 10175 Hwy 431 So. New Hope, AL 35760 | Full Service B&M | $43,487 |
| Cadence Bank, N.A. | 110 East Hill Street Thomson, GA 30824 | Full Service B&M | $67,713 |
| Cadence Bank, N.A. | 110-114 North Third Street Amory, MS 38821 | Full Service B&M | $44,772 |
| Cadence Bank, N.A. | 1101 Greensboro Avenue Tuscaloosa, AL 35401 | Full Service B&M | $223,050 |
| Cadence Bank, N.A. | 1135 North Bypass / Dr Mlk Expressway Andalusia, AL 36420 | Full Service B&M | $64,550 |
| Cadence Bank, N.A. | 11392 North Williams Street Dunnellon, FL 34432 | Full Service B&M | $62,366 |
| Cadence Bank, N.A. | 11790 North Dale Mabry Highway Tampa, FL 33618 | Full Service B&M | $122,994 |
| Cadence Bank, N.A. | 119 East General Screven Way Hinesville, GA 31313 | Full Service B&M | $19,901 |
| Cadence Bank, N.A. | 119 South Houston Lake Road Warner Robins, GA 31088 | Full Service B&M | $85,813 |
| Cadence Bank, N.A. | 120 Drayton Street Savannah, GA 31401 | Full Service B&M | $27,428 |
| Cadence Bank, N.A. | 1208 Washington Street Perry, GA 31069 | Full Service B&M | $176,965 |
| Cadence Bank, N.A. | 12520 Memorial Dr Houston, TX 77024 | Full Service B&M | $92,498 |
| Cadence Bank, N.A. | 126 North Broadway Avenue Sylacauga, AL 35150 | Full Service B&M | $78,966 |
| Cadence Bank, N.A. | 1300 Pinehurst Drive Spring Hill, FL 34606 | Full Service B&M | $83,908 |
| Cadence Bank, N.A. | 1349 West Peachtree Street, Suite 100 Atlanta, GA 30309 | Full Service B&M | $2,315,109 |
| Cadence Bank, N.A. | 14211 Powell Road Brooksville, FL 34609 | Full Service B&M | $55,463 |
| Cadence Bank, N.A. | 1516 Union Avenue Memphis, TN 38104 | Full Service B&M | $20,048 |
| Cadence Bank, N.A. | 1535 Bass Road Macon, GA 31210 | Full Service B&M | $63,483 |
| Cadence Bank, N.A. | 1580 Walton Way Augusta, GA 30904 | Full Service B&M | $40,667 |
| Cadence Bank, N.A. | 1615 Mcfarland Boulevard North Tuscaloosa, AL 35406 | Full Service B&M | $64,578 |
| Cadence Bank, N.A. | 176 S Main Street Reidsville, GA 30453 | Full Service B&M | $24,275 |
| Cadence Bank, N.A. | 1950 Edwards Lake Road Birmingham, AL 35235 | Full Service B&M | $52,157 |
| Cadence Bank, N.A. | 1970 Sattellite Blvd Duluth, GA 30097 | Full Service B&M | $16,073 |
| Cadence Bank, N.A. | 2049 West Gray St. Houston, TX 77019 | Full Service B&M | $65,218 |
| Cadence Bank, N.A. | 205 South Veterans Blvd Glennville, GA 30427 | Full Service B&M | $31,277 |
| Cadence Bank, N.A. | 2100 Third Avenue North Birmingham, AL 35203 | Full Service B&M | $793,407 |
| Cadence Bank, N.A. | 218 Louisa Street Warrior, AL 35180 | Full Service B&M | $45,422 |
| Cadence Bank, N.A. | 2206 Pine Street Unadilla, GA 31091 | Full Service B&M | $36,029 |
| Cadence Bank, N.A. | 2207 Manatee Avenue West Bradenton, FL 34205 | Full Service B&M | $47,572 |
| Cadence Bank, N.A. | 2234 West Broad Street Athens, GA 30606 | Full Service B&M | $252,524 |
| Cadence Bank, N.A. | 2250 Mount Olive Road Gardendale, AL 35071 | Full Service B&M | $55,051 |
| Cadence Bank, N.A. | 2301 3rd Avenue North Birmingham, AL 35203 | Limited, Drive-thru | $0 |
| Cadence Bank, N.A. | 2380 Old Milton Parkway Alpharetta, GA 30009 | Full Service B&M | $131,561 |
| Cadence Bank, N.A. | 2440 Sunset Point Road Clearwater, FL 33765 | Full Service B&M | $37,048 |
| Cadence Bank, N.A. | 25 South Links Avenue Sarasota, FL 34236 | Full Service B&M | $240,183 |
| Cadence Bank, N.A. | 250 Church Street Marietta, GA 30060 | Full Service B&M | $45,344 |
| Cadence Bank, N.A. | 2717 Culver Road, Suite A Birmingham, AL 35233 | Full Service B&M | $42,934 |
| Cadence Bank, N.A. | 2755 John Hawkins Parkway Hoover, AL 35244 | Full Service B&M | $78,148 |
| Cadence Bank, N.A. | 2800 Post Oak Blvd, Suite 3800 Houston, TX 77056 | Full Service B&M | $3,416,339 |
| Cadence Bank, N.A. | 2805 Wrightsboro Road Augusta, GA 30909 | Full Service B&M | $77,884 |
| Cadence Bank, N.A. | 282 West Clinton Street Gray, GA 31032 | Full Service B&M | $152,810 |
| Cadence Bank, N.A. | 293 Water Street Uniontown, AL 36786 | Full Service B&M | $13,479 |
| Cadence Bank, N.A. | 3001 Mountain Cove Boulevard Owens Cross Roads, AL 35763 | Full Service B&M | $69,929 |
| Cadence Bank, N.A. | 301 University Drive Starkville, MS 39759 | Full Service B&M | $209,284 |
| Cadence Bank, N.A. | 301 Us Hwy 41 South Inverness, FL 34450 | Full Service B&M | $76,942 |
| Cadence Bank, N.A. | 302 Sthy 45 Aberdeen, MS 39730 | Limited, Drive-thru | $0 |
| Cadence Bank, N.A. | 312 Clinton Avenue West Huntsville, AL 35801 | Full Service B&M | $220,996 |
| Cadence Bank, N.A. | 3201 Rainbow Drive Rainbow City, AL 35906 | Full Service B&M | $59,415 |
| Cadence Bank, N.A. | 33327 Highway 280 Childersburg, AL 35044 | Full Service B&M | $43,795 |
| Cadence Bank, N.A. | 3399 Peachtree Road, Ne, Suite 2050 Atlanta, GA 30326 | Limited, Administrative | $0 |
| Cadence Bank, N.A. | 3601 Bluecutt Road Columbus, MS 39701 | Full Service B&M | $57,295 |
| Cadence Bank, N.A. | 36301 Us Highway 19 North Palm Harbor, FL 34684 | Full Service B&M | $25,870 |
| Cadence Bank, N.A. | 375 Furys Ferry Road Martinez, GA 30907 | Full Service B&M | $43,906 |
| Cadence Bank, N.A. | 3754 Westheimer Rd Houston, TX 77027 | Full Service B&M | $69,561 |
| Cadence Bank, N.A. | 3820 Washington Road Martinez, GA 30907 | Full Service B&M | $31,301 |
| Cadence Bank, N.A. | 3860 North Lecanto Hwy Beverly Hills, FL 34465 | Full Service B&M | $79,502 |
| Cadence Bank, N.A. | 4004 Lawson Ridge Drive Madison, AL 35757 | Full Service B&M | $56,617 |
| Cadence Bank, N.A. | 4010 Little Road New Port Richey, FL 34655 | Full Service B&M | $61,866 |
| Cadence Bank, N.A. | 415 East Paces Ferry Road Atlanta, GA 30305 | Full Service B&M | $107,112 |
| Cadence Bank, N.A. | 4219 Forsyth Road Macon, GA 31210 | Full Service B&M | $449,785 |
| Cadence Bank, N.A. | 4315 Hartley Bridge Road Macon, GA 31216 | Full Service B&M | $107,186 |
| Cadence Bank, N.A. | 4349 Washington Road Evans, GA 30809 | Full Service B&M | $28,681 |
| Cadence Bank, N.A. | 4647 Sweetwater Blvd., Ste A Sugar Land, TX 77479 | Full Service B&M | $83,550 |
| Cadence Bank, N.A. | 4662 U.S. Highway 31 Sw Falkville, AL 35622 | Full Service B&M | $30,561 |
| Cadence Bank, N.A. | 4699 Log Cabin Drive Macon, GA 31204 | Full Service B&M | $46,076 |
| Cadence Bank, N.A. | 4842 Sun City Center Boulevard Sun City Center, FL 33573 | Full Service B&M | $61,689 |
| Cadence Bank, N.A. | 4890 W Kennedy Blvd Suite 160 Tampa, FL 33609 | Full Service B&M | $449,287 |
| Cadence Bank, N.A. | 500 Jesse Jewel Parkway Gainesville, GA 30501 | Full Service B&M | $64,674 |
| Cadence Bank, N.A. | 5110 Griggs Road Suite 201 Houston, TX 77021 | Full Service B&M | $1,644 |
| Cadence Bank, N.A. | 5292 17th Street Sarasota, FL 34235 | Full Service B&M | $8,424 |
| Cadence Bank, N.A. | 535 East Main Street Philadelphia, MS 39350 | Full Service B&M | $71,876 |
| Cadence Bank, N.A. | 5548 Fm 1960 Road West Houston, TX 77069 | Full Service B&M | $69,599 |
| Cadence Bank, N.A. | 5815 Kirby Drive Houston, TX 77005 | Full Service B&M | $60,686 |
| Cadence Bank, N.A. | 591 South Mendenhall Memphis, TN 38117 | Full Service B&M | $46,910 |
| Cadence Bank, N.A. | 5980 Zebulon Road Macon, GA 31210 | Full Service B&M | $96,061 |
| Cadence Bank, N.A. | 600 Main Street West Hartselle, AL 35640 | Full Service B&M | $45,724 |
| Cadence Bank, N.A. | 602 Mall Boulevard Savannah, GA 31406 | Full Service B&M | $9,908 |
| Cadence Bank, N.A. | 606 Highway 12 East Starkville, MS 39759 | Limited, Drive-thru | $0 |
| Cadence Bank, N.A. | 6075 Poplar Avenue, Suite 120 Memphis, TN 38119 | Full Service B&M | $43,935 |
| Cadence Bank, N.A. | 608 Second Avenue East Oneonta, AL 35121 | Full Service B&M | $90,204 |
| Cadence Bank, N.A. | 614 Shurling Drive Macon, GA 31211 | Full Service B&M | $31,635 |
| Cadence Bank, N.A. | 6170 Peachtree Parkway At Peachtree Corners Norcross, GA 30092 | Full Service B&M | $37,791 |
| Cadence Bank, N.A. | 6330 San Felipe St Houston, TX 77057 | Full Service B&M | $78,506 |
| Cadence Bank, N.A. | 6400 Fannin St, Ste 222 Houston, TX 77030 | Full Service B&M | $5,852 |
| Cadence Bank, N.A. | 657 Commerce Street West Point, MS 39773 | Full Service B&M | $68,502 |
| Cadence Bank, N.A. | 6801 Cahaba Valley Road, Suite 119 Birmingham, AL 35242 | Full Service B&M | $183,813 |
| Cadence Bank, N.A. | 6836 Atlanta Highway Montgomery, AL 36117 | Full Service B&M | $89,677 |
| Cadence Bank, N.A. | 69156 Main Street Blountsville, AL 35031 | Full Service B&M | $60,060 |
| Cadence Bank, N.A. | 700 Walnut Street Macon, GA 31201 | Full Service B&M | $109,243 |
| Cadence Bank, N.A. | 780 South Alabama Avenue Monroeville, AL 36460 | Full Service B&M | $35,686 |
| Cadence Bank, N.A. | 7878 Farmington Blvd Germantown, TN 38138 | Full Service B&M | $38,106 |
| Cadence Bank, N.A. | 803 Main Street Columbus, MS 39701 | Full Service B&M | $145,628 |
| Cadence Bank, N.A. | 8031 Us Hwy 431 Albertville, AL 35950 | Full Service B&M | $43,711 |
| Cadence Bank, N.A. | 818 Highway 12 West Starkville, MS 39759 | Full Service B&M | $52,312 |
| Cadence Bank, N.A. | 849 Warren Drive Warner Robins, GA 31088 | Full Service B&M | $44,528 |
| Cadence Bank, N.A. | 8592 Potter Park Drive Sarasota, FL 34238 | Full Service B&M | $72,334 |
| Cadence Bank, N.A. | 909 Fannin, Ste 1350 Houston, TX 77010 | Full Service B&M | $431,979 |
| Cadence Bank, N.A. | 9595 Six Pines Dr., Suite 1500 The Woodlands, TX 77380 | Full Service B&M | $106,493 |
| Cadence Bank, N.A. | East Commerce Street Aberdeen, MS 39730 | Full Service B&M | $88,820 |
| Cadence Bank, N.A. | U.S. Highway 45 South And West Broad Street West Point, MS 39773 | Limited, Drive-thru | $0 |
For 2019, Cadence Bank N.a. had 102 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $860,089 |
| Net interest income | $667,689 |
| Total noninterest income | $126,140 |
| Gross Fiduciary activities income | $18,066 |
| Service charges on deposit accounts | $21,010 |
| Trading account gains and fees | $4,888 |
| Additional Noninterest Income | $82,176 |
| Pre-tax net operating income | $288,124 |
| Securities gains (or losses, -) | $4,259 |
| Income before extraordinary items | $224,942 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $224,942 |
| Minority interest net income | $0 |
| Net income | $224,942 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $221,577 |
Cadence Bank N.a.'s gross interest income from loans was $860,089,000.
Cadence Bank N.a.'s net interest income from loans was $667,689,000.
Cadence Bank N.a.'s fee based income from loans was $21,010,000.
Cadence Bank N.a.'s net income from loans was $224,942,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $192,400 |
| Provision for credit losses | $111,027 |
| Total noninterest expense | $394,678 |
| Salaries and employee benefits | $224,127 |
| Premises and equipment expense | $47,452 |
| Additional noninterest expense | $123,099 |
| Applicable income taxes | $67,441 |
| Net charge-offs | $85,762 |
| Cash dividends | $130,910 |
Cadence Bank N.a.'s interest expense for loans was $192,400,000.
Cadence Bank N.a.'s payroll and benefits expense were $224,127,000.
Cadence Bank N.a.'s property, plant and equipment expenses $47,452,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 2.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $14,809,069 |
| Deposits held in domestic offices | $14,809,069 |
| Deposits by Individuals, partnerships, and corporations | $12,833,121 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $1,076,048 |
| Deposits by Commercial banks and other depository institutions in U.S. | $899,900 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $3,863,377 |
| Demand deposits | $2,902,092 |
| Nontransaction accounts | $10,945,692 |
| Money market deposit accounts (MMDAs) | $8,113,336 |
| Other savings deposits (excluding MMDAs) | $268,848 |
| Total time deposits | $2,563,508 |
| Total time and savings deposits | $11,906,977 |
| Noninterest-bearing deposits | $3,848,443 |
| Interest-bearing deposits | $10,960,626 |
| Retail deposits | $13,970,101 |
| IRAs and Keogh plan accounts | $198,621 |
| Brokered deposits | $195,194 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $17,778,013 |
| Cash & Balances due from depository institutions | $977,789 |
| Interest-bearing balances | $725,343 |
| Total securities | $2,370,454 |
| Federal funds sold & reverse repurchase | $10,974 |
| Net loans and leases | $12,951,661 |
| Loan and leases loss allowance | $119,643 |
| Trading account assets | $17,753 |
| Bank premises and fixed assets | $193,858 |
| Other real estate owned | $1,628 |
| Goodwill and other intangibles | $594,759 |
| All other assets | $659,137 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $17,778,013 |
| Total Liabilities | $15,149,274 |
| Total deposits | $14,809,069 |
| Interest-bearing deposits | $10,960,626 |
| Deposits held in domestic offices | $14,809,069 |
| % insured (estimated) | $49 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $10,580 |
| Other borrowed funds | $179,460 |
| Subordinated debt | $24,796 |
| All other liabilities | $125,369 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $12,951,661 |
| Loan and leases loss allowance | $119,643 |
| Total loans and leases (domestic) | $13,071,304 |
| All real estate loans | $6,446,531 |
| Real estate loans in domestic offices | $6,446,531 |
| Construction and development loans | $1,364,629 |
| Residential 1-4 family construction | $305,006 |
| Other construction, all land development and other land | $1,059,623 |
| Loans secured by nonfarm nonresidential properties | $2,233,622 |
| Nonfarm nonresidential secured by owner-occupied properties | $858,646 |
| Commercial real estate & other non-farm, non-residential | $1,374,976 |
| Multifamily residential real estate | $208,925 |
| 1-4 family residential loans | $2,606,285 |
| Farmland loans | $33,070 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,684 |
| Commercial and industrial loans | $5,533,030 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $84,688 |
| Credit card loans | $0 |
| Related Plans | $44,499 |
| Consumer Auto Loans | $6,428 |
| Other loans to individuals | $33,761 |
| All other loans & leases | $1,005,371 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $953,432 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $31,242 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $9,104 |
| Non 1-4 family restructured loans & leases | $8,056 |
| Total loans and leases (foreign) | $0 |
Cadence Bank N.A. had $12,951,661,000 of loans outstanding in 2019. $6,446,531,000 of loans were in real estate loans. $1,364,629,000 of loans were in development loans. $208,925,000 of loans were in multifamily mortgage loans. $2,606,285,000 of loans were in 1-4 family mortgage loans. $1,684,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,428,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,600 | $435,141 | $271,963 |
| Nonfarm, nonresidential loans - <$100k | 243 | $12,122 | $49,885 |
| Nonfarm, nonresidential loans - $100-250k | 485 | $64,651 | $133,301 |
| Nonfarm, nonresidential loans - $250k-1MM | 872 | $358,368 | $410,972 |
| Commercial & Industrial, US addressed loans - <$1MM | 5,145 | $813,756 | $158,164 |
| Commercial & Industrial, US addressed loans - <$100k | 3,007 | $126,898 | $42,201 |
| Commercial & Industrial, US addressed loans - $100-250k | 1,059 | $133,799 | $126,345 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,079 | $553,059 | $512,566 |
| Farmland loans - <$1MM | 82 | $8,859 | $108,037 |
| Farmland loans - <$100k | 23 | $490 | $21,304 |
| Farmland loans - $100-250k | 21 | $2,324 | $110,667 |
| Farmland loans - $250k-1MM | 38 | $6,045 | $159,079 |
| Agriculture operations loans - <$1MM | 34 | $968 | $28,471 |
| Agriculture operations loans - <$100k | 27 | $446 | $16,519 |
| Agriculture operations loans - $100-250k | 3 | $121 | $40,333 |
| Agriculture operations loans - $250k-1MM | 4 | $401 | $100,250 |