# CADENCE BANK
TUPELO, MS · FDIC certificate 11813 · asset band $10-100B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $53.53B | |
| Deposits | $44.14B | |
| Loans and leases | $37.51B | |
| Total equity | $6.24B | |
| Loans / deposits | 83.87% (p50 of band) | 83.94% |
| Liquid assets / assets | 21.21% (p41 of band) | |
| Uninsured deposits / deposits | 37.79% (p49 of band) | 37.91% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 5.63% (p42 of band) | |
| FHLB advances / assets | 4.05% | |
| Tier 1 leverage | 9.70% (p44 of band) | 9.90% |
| Unrealized securities loss / equity | -9.11% (p40 of band) | -7.22% |
| AOCI / equity | 4.26% (p77 of band) | |
| ROA (annualized) | 1.08% (p50 of band) | 1.09% |
| Net interest margin | 3.53% (p62 of band) | 3.39% |
| Efficiency ratio | 58.01% (p66 of band) | |
| Noncurrent loans | 0.98% (p75 of band) | 0.61% |
| Net charge-offs (annualized) | 0.19% (p75 of band) | |
| Reserve coverage of noncurrent | 134.60% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 55.05% (p81 of band) | |
| Auto loans | $47.4M (0.13% of loans; DQ 2.44%, NCO 0.00%) | |
| Loans to nondepository financials | $682.9M (11% of equity) (p55 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 5749 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | expense ratio p90 |  |
| 2012-12 | 1 |  | expense ratio p90 |
| 2013-03 | 2 | expense ratio p90 |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | expense ratio p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, expense ratio p90 |  |
| 2019-06 | 1 |  | expense ratio p90 |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 1 |  | wholesale funding >15% |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-27 [Huntington Bancshares Incorporated to Acquire Cadence Bank - Huntington Bancshares Incorporated (HBAN)](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZl9TTmdtRHdVY0dCSzZIMGtrUWhzc0xwWnhFYXpaUzRJdm10blFEcVNtTU55LVZubzcyVVN6aTdNeFlZb1g3V0lrWmZuSnh5Y3REVGxSRlo1eWRoLU9BWnZyenIxdjNxT2R5eUJvd29HZFY3UmNjenM2ME9HMWZqN0JlYUw3cmhlNDFZV05KcFZiVkJvSHprbzBiNTFlZm1sTDVRMW5jcEc4clhVUzQ0VUZYNGZqRTk2VWFsWHNENHJWTjd5M3BONA?oc=5) · Huntington Bancshares Incorporated (HBAN)
- 2025-12-03 [Cadence Bank Acquired in Major Transaction - Mississippi Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE1wQkhXeVp2R3RUTE1QTExjSGsyZDZ4MF9NZE5IMDFOMDAwMVBsSTRGM19oSzFNN2FDZ1h6cUlHdFVJbC16S2VhY3JlMGtkLXlmc2w0bDVlOWpBdVBRZnlRRjBwOS15U25XMnhiS3Y5MmEzeGNpSnVWZEo2Zkg0UQ?oc=5) · Mississippi Business Journal
- 2026-06-17 [Cadence Bank customers navigate transition to Huntington Bank - WTVA](https://news.google.com/rss/articles/CBMilgFBVV95cUxOT3JiLTlYWDVtYlFGLW9qMVVDQmtDcjN3NG9UeDY3dlNaS0o2dklsZnk1blA2SElWVm12QWdYUnlxSzBBMDRpVV9WN0F0S2s1SFNXQjFMUEdNbFlaOHJxOXd5OVBiT21rd3hoVXU5MVgxT1lLS1lZclZRdUs5X0UxeFlXdHpIWUgwZmJsUG5YQ20xM3h4WHfSAaoBQVVfeXFMTzVMYm5kUUtFS3RqS1F1NFhCUm1vMzJPd0NYTkNvMC1vUjU5WXlXUUdCd2ZDd2U0eHlfVl9YckdQckw1ejRTb2YtaHRzTjdjLVBhODNDZkJnQVcwQk1IaVZTdjU3TXl5aGxacVYzUkEtSXdFbWw5U1pGTzhfQWhndUU5LUhQWFpieHYxRlVvUi1IdVJUQ0R1S3d4dnJzV2pXeFNKSWFtVjJWd1E?oc=5) · WTVA
- 2026-02-02 [Huntington Bank Completes Merger with Cadence Bank, Expanding Presence Across Texas and the South - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPVnVmOGU2bVRUWUIzS19HQk1wNzdJUVVzVEhHWm5tMWM2a0ZGWmFuSVZWNWIzT3ZGXzY1b1JTNGllUk5xWENRTWdsNW1POVVtQlZlUy1TZGZQTlgyVFJES29ZMTVFOGdMV0RpTnBHU3M5bFNJVFRDZWNVRUd3TER1Tm0tMjlFb3A1cnN6UkppalYzd0Rxa0N4SWpRNFhSQzh6MXNZWnVFNHF6WDlaZktrYVFnSC1YSDFIdmRLOWJwR3IwNl84Q0doaXlidWl6UTg0ZFNZT2RSR2owdG1yZ1lfa2FMMnk2T28?oc=5) · PR Newswire
- 2026-02-02 [Huntington Bancshares closes on merger with Cadence Bank - djournal.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQelQxdEF5Q05fVnFsakNEdll1cXoyUU5jakQ5TVppVkRxVnpSZ0FaMjlPckpXTlJTLTRSN1pkRmVqTzBQREFFX3JZdThMdUcwcjd3SGxNR0Z1dkI0ek00RnlMUWhNVmtLa0paMjItYTZuSzV1cEc2RElfYVhqVWtBTFZVUEpXdEwzakJfd0VBeHhabTQ0czJmTVEwVjY5a1lrRExqQjEwa3ZPQ1czX1pTODM4NXlJMEg5eFBJaUhPR1ZraTB3S05vaGwtRkwtbDg4QkFGc25CM2lXNy1iQ3c?oc=5) · djournal.com
- 2025-10-27 [Huntington to buy Cadence Bank for $7.4B - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxQU2JoV1JpOHAwSTJ1QnFnblJJTFlqcm41dWl5YWc3WGo0TlV4WlZsakxRRzdhRkE0aW9JbXdzTldodi1xTUc3UTBaT1Bkd2Rxdko4aFNXRGF4bzliSklVZGVZc1pqSjdHRFVFZWtld2wtemFrRkFjaHY1dk1XN2ljM3VFSnVYRHY2YnhoYTJkYm4?oc=5) · Banking Dive
- 2026-02-19 [Committed to community: Huntington Bank completes merger with Cadence Bank, continues to grow client base - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQUWhKX2F1c3JxMmJVeFI0UkVHMXNKZ1NNbEVXM3RaSXJlNV9rN0s2c1lPaGk5bUlkZzJ0dEpZLUR2R0FiZGZIOUdLLWhoNFB6UGJwa1ZvUEdFQXNjM2tCRlV2S1RCdVA2X2VpQlpUWnFqMTltNzFHNHA4Tl94LTFjSFhqNmcyOENjdmh4UkNUa3RrdGRoaHkwRUliN3pQTEE1YVZMX3FsN3NOcmFjMGQ0bVFwckdXTWlZNXhXNlZ1QUp6N3BHRWVDb21vUjNQYVVLM25EUlRSRS1WcTBld1FfYnNlWFVPUjJLWXZMQWt0aXlDTjdI?oc=5) · Greater Fayetteville Business Journal
- 2025-10-27 [Ohio-based Huntington to take over Mississippi's Cadence Bank in $53B deal. What to know - The Clarion-Ledger](https://news.google.com/rss/articles/CBMi0wFBVV95cUxON2NtaVNaX3lfUEF0UTd3ZndmLXFRbUVZNWlYcEpiMmk3aEVuY1REcHRLNERqVkg5OVRzcGNzbW55MW05SjhBSURiUjZsamNVYk54R0MtYjY5ZUZaalgxREQxWjhRdE05cG9yYlluQ2NCbHcwYlZoLUdZeVBIM1RIdnNpeGI3ZUZlcG9KT1RQbzJLcWlCN2VNNGxTb2dQUVNjQUdLZk9XRENCanJJM0NCMHV6c3ZnbHczSV9KWGdqd0pmZVI1NklrRlFnUTA5bjNIUFNv?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11813 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "11813", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide