Cadence Bank (Tupelo, MS) (merged into The Huntington National Bank)
Cadence Bank (Tupelo, MS) reported total assets of $53.5 bn at Q4 2025, its last Call Report before it merged into The Huntington National Bank. The CET1 capital ratio at Cadence Bank (Tupelo, MS) was 11.69%, and the uninsured share of Cadence Bank (Tupelo, MS) was 37.79%. Source: FDIC Call Reports.
Key takeaways
- Since , Cadence Bank (Tupelo, MS) has taken over 18 institutions; the latest was Citizens State Bank on (FDIC Call Reports).
What sets Cadence Bank (Tupelo, MS) apart
How large is Cadence Bank (Tupelo, MS)?
The balance sheet of Cadence Bank (Tupelo, MS) at : assets $53.5 bn, deposits $44.1 bn, net loans $37.0 bn (loans equal to 83.87% of deposits). Securities make up 17.1% of total assets at Cadence Bank (Tupelo, MS). Since , when Cadence Bank (Tupelo, MS) held $13.9 bn, its assets grew 284.7%. In the year to , deposits at Cadence Bank (Tupelo, MS) rose 9.0% while its total assets rose 13.8%. At , Cadence Bank (Tupelo, MS) employed 5,749 full-time equivalent staff across 402 offices, about $9.3 mn of assets per employee and $109.8 mn of deposits per office.
How much funding at Cadence Bank (Tupelo, MS) is uninsured?
At Cadence Bank (Tupelo, MS), uninsured deposits (above the FDIC limit) made up 37.79% of domestic deposits at (+1.50 pp on a year earlier). In dollars, Cadence Bank (Tupelo, MS) estimated $16.7 bn of uninsured deposits.
Key facts, Q4 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $44.1 bn | $40.5 bn (Q4 2024) | |
| Net loans and leases | $37.0 bn | $33.5 bn (Q4 2024) | |
| Loan-to-deposit ratio | 83.87% | 82.79% (Q4 2024) | |
| Tier 1 leverage ratio | 9.70% | 10.41% (Q4 2024) | |
| Total risk-based capital ratio | 13.28% | 13.97% (Q4 2024) | |
| Net interest margin | 3.53% | 3.31% (Q4 2024) | |
| Return on assets (ROA) | 1.08% | 1.08% (Q4 2024) | |
| Efficiency ratio | 58.01% | 57.31% (Q4 2024) | |
| Unrealized gain/loss on available-for-sale securities | Loss of $548.4 mn | Narrowed by $305.3 mn | |
| Noncurrent loans to total loans | 0.98% | 1.02% (Q4 2024) | |
| Net charge-offs to average loans | 0.26% | 0.23% (Q4 2024) |
US rank of Cadence Bank (Tupelo, MS): 1 = highest unless marked 1 = lowest.
Balance sheet
Cadence Bank (Tupelo, MS): assets, deposits and loans
- Total assets $53.5bn
- Deposits $44.1bn
- Net loans $37.0bn
Capital and securities
The CET1 ratio of Cadence Bank (Tupelo, MS) stood at 11.69% in , -0.66 pp year on year. Low and high at Cadence Bank (Tupelo, MS) since : 10.10% () to 12.44% (). Equity capital of Cadence Bank (Tupelo, MS) at : $6.2 bn, or 11.7% of total assets. Cadence Bank (Tupelo, MS) also reported a total capital ratio of 13.28% for , and a tier 1 leverage ratio of 9.70%.
The available-for-sale portfolio of Cadence Bank (Tupelo, MS) showed an unrealized loss of $548.4 mn at ; the loss narrowed by $305.3 mn over the year.
Cadence Bank (Tupelo, MS): capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.7%
Cadence Bank (Tupelo, MS): unrealized securities gains and losses
- Available for sale -$548mn
- Held to maturity $0
Profitability and loan quality
For the year to , Cadence Bank (Tupelo, MS) earned a return on equity of 9.17%; return on assets: 1.08%. Net interest margin at Cadence Bank (Tupelo, MS): 3.53%, +0.21 pp in a year. Cadence Bank (Tupelo, MS) net income: $544.5 mn, up 4.0% year on year. The efficiency ratio of Cadence Bank (Tupelo, MS) was 58.01%: about 58 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.98% of total loans at Cadence Bank (Tupelo, MS); net charge-offs: 0.26% of average loans. Gross loans and leases at Cadence Bank (Tupelo, MS): $37.5 bn at , against $34.0 bn at .
Cadence Bank (Tupelo, MS): profitability
- Return on equity 9.2%
- Net interest margin 3.5%
- Return on assets 1.1%
Peer group of Cadence Bank (Tupelo, MS)
The peer group of Cadence Bank (Tupelo, MS) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Cadence Bank (Tupelo, MS) (state member bank) and 0 have head offices in Mississippi. Against them, Cadence Bank (Tupelo, MS) shows CET1 ratio 11.69% against a peer median of 12.02%, return on equity 9.17% against a peer median of 12.69% and uninsured deposit share 37.79% against a peer median of 51.13%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Synovus Bank | State member bank | GA | $61.2 bn | 12.02% | 15.05% | 50.83% | |
| Banco Popular de Puerto Rico | State member bank | PR | $59.8 bn | 15.59% | 19.88% | 57.24% | |
| Pinnacle Bank | State member bank | TN | $57.6 bn | 11.13% | 10.21% | 43.91% | |
| Cadence Bank | State member bank | MS | $53.5 bn | 11.69% | 9.17% | 37.79% | |
| Frost Bank | State member bank | TX | $53.1 bn | 14.33% | 15.85% | 51.43% | |
| BOKF | National bank | OK | $52.0 bn | 12.02% | 10.32% | 53.37% | |
| First National Bank of Pennsylvania | National bank | PA | $50.0 bn | 11.37% | 9.84% | 41.01% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cadence Bank (Tupelo, MS), to : assets $48.3 bn to $53.5 bn, deposits $38.1 bn to $44.1 bn, equity $5.2 bn to $6.2 bn. Staff 5,323 to 5,749; offices 376 to 402.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $48.3 bn | $48.0 bn | $49.2 bn | $47.0 bn | $47.7 bn | $50.4 bn | $53.3 bn | $53.5 bn |
| Total deposits | $38.1 bn | $37.9 bn | $38.8 bn | $40.5 bn | $40.3 bn | $40.5 bn | $43.9 bn | $44.1 bn |
| Bank equity capital | $5.2 bn | $5.3 bn | $5.6 bn | $5.6 bn | $5.7 bn | $5.9 bn | $6.1 bn | $6.2 bn |
| CET1 ratio | 11.71% | 11.90% | 12.25% | 12.35% | 12.44% | 12.18% | 11.51% | 11.69% |
| Return on equity (ROE) | 9.03% | 9.76% | 9.82% | 9.77% | 9.44% | 9.26% | 9.05% | 9.17% |
| Uninsured share of domestic deposits | 38.05% | 37.35% | 37.28% | 36.29% | 37.05% | 37.32% | 37.33% | 37.79% |
| Full-time equivalent employees | 5,323 | 5,290 | 5,327 | 5,335 | 5,356 | 5,514 | 5,825 | 5,749 |
| Number of offices | 376 | 375 | 375 | 374 | 376 | 390 | 400 | 402 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Cadence Bank (Tupelo, MS), oldest first; figures before and after each event are not like for like.
- . Absorbed Ouachita Independent Bank (FDIC certificate 34332).
- . Absorbed First State Bank Central Texas (FDIC certificate 11151).
- . Absorbed Icon Bank of Texas, National Association (FDIC certificate 58378).
- . Absorbed Merchants Bank (FDIC certificate 18637).
- . Absorbed Grand Bank of Texas (FDIC certificate 22040).
- . Absorbed Summit Bank, National Association (FDIC certificate 58786).
- . Absorbed Texas Star Bank (FDIC certificate 5567).
- . Absorbed Texas First State Bank (FDIC certificate 15300).
- . Absorbed National United (FDIC certificate 3214).
- . Absorbed FNB Bank (FDIC certificate 2824).
- . Absorbed Cadence Bank, N.A. (FDIC certificate 4999).
- . Absorbed First Chatham Bank (FDIC certificate 57252).
- . Absorbed The First National Bank of Shiner (FDIC certificate 5529).
- . Absorbed The First National Bank of Bellville (FDIC certificate 3099).
- . Absorbed Bank of Brenham, National Association (FDIC certificate 57102).
- . Absorbed Industry State Bank (FDIC certificate 12506).
- . Absorbed Fayetteville Bank (FDIC certificate 3195).
- . Absorbed Citizens State Bank (FDIC certificate 12501).
- . Merged into The Huntington National Bank (FDIC certificate 6560).
Large one-quarter moves at Cadence Bank (Tupelo, MS)
- Total assets at Cadence Bank (Tupelo, MS) changed by +69.8% in the quarter to 2021-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Cadence Bank, N.A..
Questions and identifiers
What were the total assets of Cadence Bank (Tupelo, MS)?
Cadence Bank (Tupelo, MS) reported $53.5 bn at in its Call Report.
Is Cadence Bank (Tupelo, MS) profitable?
Cadence Bank (Tupelo, MS) reported net income of $544.5 mn for the year to ; annualized return on equity: 9.17%. So yes: Cadence Bank (Tupelo, MS) made a profit over these months.
When is data for Cadence Bank (Tupelo, MS) next updated?
Cadence Bank (Tupelo, MS) no longer files Call Reports; its data ends at .
Where can I check the figures for Cadence Bank (Tupelo, MS)?
In the FDIC BankFind Suite record for certificate 11813, and in the Call Reports of Cadence Bank (Tupelo, MS) (RSSD ID 606046) at the FFIEC Central Data Repository.