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 101st largest bank in the nation. It was established in 1887 and as of March of 2020, it had grown to 1,843 employees at 105 locations. Cadence Bank, N.A. has a C 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.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Cadence Bank, N.A. has a negative return on equity.

Health Grade Components

FDIC Certificate #4999
Year Established1887
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-9.06%
Return on Equity - YTD-65.57%
Annual Interest Income$192.8MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$17.23B$17.45B
LoansQ1 2020vs Q1 2019$13.19B$13.73B
DepositsQ1 2020vs Q1 2019$14.63B$14.31B
Equity CapitalQ1 2020vs Q1 2019$2.21B$2.47B
Loan Loss AllowanceQ1 2020vs Q1 2019$245.2MM$105.0MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$161.7MM$118.9MM
Real Estate OwnedQ1 2020vs Q1 2019$1.0MM$2.9MM

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