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Cadence Bank


Cadence Bank is an FDIC insured institution headquartered at 201 S Spring St, Tupelo, MS 38804.
It was founded in 1876 and has approximately $48 billion in assets. Customers can open an account at one of its 315 branches.

Deposit Rates - July 14, 2025

SAVINGS RATES APY MIN
SAV
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.30% $100,000 Compare
24 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.40% $100,000 Compare
36 Mo CD
0.45% $10,000 Compare
48 Mo CD
0.50% $10,000 Compare
60 Mo CD
0.60% $10,000 Compare
MM RATES APY MIN
Money Market
0.20% $2,500 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.20% $25,000 Compare
VARIABLE IRA RATES APY MIN
VIRA
0.26% $1
INT CHECKING RATES APY MIN
INTCK
0.05% $1
INTCK
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11813
Date Established 1876
Assets $ 47.74 billion
Loans $ 33.81 billion
Deposits $ 40.34 billion
Capital $ 5.72 billion

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 1,566.15 million
Interest-bearing balances $ 987.64 million
Total securities $ 7.93 billion
Federal funds sold and reverse repurchase $ 1.15 million
Net loans and leases $ 33.81 billion
Loan loss allowance $ 457.79 million
Trading account assets $ 29.08 million
Bank premises and fixed assets N.A.
Other real estate owned $ 8.24 million
Goodwill and other intangibles $ 1,563.20 million
All other assets $ 1,840.82 million
     Total Assets $ 42.02 billion

LIABILITIES
Total deposits $ 40.34 billion
      Interest-bearing deposits $ 31.78 billion
      Deposits held in domestic offices $ 40.34 billion
      % insured (estimated)" 63.16%
Federal funds purchased and repurchase agreements $ 19.67 million
Trading liabilities $ 40.41 million
Other borrowed funds $ 1,324.03 million
Subordinated debt $ 10.00 million
All other liabilities $ 668.10 millionn
      Total Liabilities $ 42.02 billion
      Shareholders’ Equity $ 5.72 billion

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 599.26 million
Total Interest Expense $ 236.11 million
Net interest income $ 363.15 million
Provision for loan and lease losses $ 20.00 million
Total non interest income $ 84.78 million
Total non interest expense $ 259.03 million
Pre-tax Net Operating Income $ 313.87 million

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