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2100 Third Avenue North
Birmingham, AL 35203

Cadence Bank, N.A. is headquartered in Birmingham and is the 3rd largest bank in the state of Alabama. It is also the 119th largest bank in the nation. It was established in 1887 and as of September of 2017, it had grown to 1,150 employees at 71 locations. Cadence Bank, N.A. has an A+ health rating.

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1.42% 17-Month UP CD (Tied To Fed Rate) In Several Southern States - 3/21/2017

Saw this in Houston, but it looks available at all of Cadence Bank branches (AL, AR, FL, MS, TN and TX) 1.42% APY opening rate (rate will never go lower than your opening rate) 17-month term Minimum opening deposit is $500 Maximum balance to receive this interest rate is $2,500,000 The UP CD is tied to a widely used U.S. market rate called the Fed Funds Effective rate https://cadencebank.com/get-ready-rising-rates-cd

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Reviews (1)


Banking with cadence is OK. One of the BEST thing about Cadence is that you have until 8:00pm to clear up any over overdrafts. Of course you have to have another account with them that you can pull from. Also there website is excellent. I love the fact that I can BANK ONLINE from anywhere. I hate the fees. I hate that if you write a check to a company the is using cadence bank, it do not show up. Even though it will clear the next day, the balance will not reflect that it has cleared. This cause for a lot of overdrafts. This is really one feature that they should change. Last but not least, I LOVE the bill pay system. I don't have to go the bank that often, because my check go direct deposit and I transfer and pay bills online.


Health Grade Components

FDIC Certificate #4999
Year Established1887
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD9.11%
Annual Interest Income$288.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$10.49B$9.43B
LoansQ3 2017vs Q3 2016$7.96B$7.14B
DepositsQ3 2017vs Q3 2016$8.66B$7.97B
Equity CapitalQ3 2017vs Q3 2016$1.47B$1.35B
Loan Loss AllowanceQ3 2017vs Q3 2016$94.8MM$91.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$105.0MM$172.6MM
Real Estate OwnedQ3 2017vs Q3 2016$18.8MM$22.2MM

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