Cadence Bank, N.A.

Overview / Commentary
1349 W Peachtree St, # 100
Atlanta, GA 30309

Cadence Bank, N.A. is headquartered in Atlanta and is the 3rd largest bank in the state of Georgia. It is also the 103rd largest bank in the nation. It was established in 1887 and as of December of 2020, it had grown to 1,808 employees at 104 locations. Cadence Bank, N.A. has an A health rating.

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 - YTD-1.06%
Return on Equity - YTD-8.55%
Annual Interest Income$711.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$18.70B$17.78B
LoansQ4 2020vs Q4 2019$12.40B$12.95B
DepositsQ4 2020vs Q4 2019$16.23B$14.81B
Equity CapitalQ4 2020vs Q4 2019$2.18B$2.63B
Loan Loss AllowanceQ4 2020vs Q4 2019$367.2MM$119.6MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$127.2MM$142.9MM
Real Estate OwnedQ4 2020vs Q4 2019$1.7MM$1.6MM
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Cadence Bank, N.A. Savings Account Rates

0.10%*-$25k Propel Savings
OTHER TIERS: 0.05% $25k+


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