# CADENCE BANK N A
ATLANTA, GA · FDIC certificate 4999 · asset band $10-100B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $19.74B | |
| Deposits | $17.30B | |
| Loans and leases | $11.57B | |
| Total equity | $2.17B | |
| Loans / deposits | 65.65% (p32 of band) | 73.24% |
| Liquid assets / assets | 37.65% (p72 of band) | |
| Uninsured deposits / deposits | 61.37% (p86 of band) | 43.10% |
| Brokered deposits | 2.50% | |
| Wholesale funding | 2.75% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.27% (p90 of band) | 9.13% |
| Unrealized securities loss / equity | -0.47% (p25 of band) | 0.46% |
| AOCI / equity | -4.71% (p8 of band) | |
| ROA (annualized) | 2.13% (p93 of band) | 1.32% |
| Net interest margin | 3.18% (p65 of band) | 2.99% |
| Efficiency ratio | 54.71% (p45 of band) | |
| Noncurrent loans | 0.90% (p81 of band) | 0.48% |
| Net charge-offs (annualized) | 0.14% (p84 of band) | |
| Reserve coverage of noncurrent | 210.45% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 49.37% (p74 of band) | |
| Auto loans | $8.2M (0.07% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $393.0M (18% of equity) (p77 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 1803 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 1 |  | NIM <2.5% |
| 2011-09 | 1 |  |  |
| 2011-12 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | expense ratio p90 |
| 2012-09 | 2 |  | noncurrent p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | losing money |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | brokered >10%, reserve under noncurrent |  |
| 2016-03 | 4 | capital falling, noncurrent p90 |  |
| 2016-06 | 5 | charge-offs p90 |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 4 |  | capital falling |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 1 |  | brokered >10%, noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | uninsured deposits >50%, run vulnerability | reserve under noncurrent |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 2 | reserve under noncurrent | uninsured deposits >50%, run vulnerability |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 4 | uninsured deposits >50%, run vulnerability, charge-offs p90 |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | losing money | reserve under noncurrent |
| 2020-06 | 4 | capital falling | run vulnerability |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | losing money |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | charge-offs p90 |

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

- 2021-09-02 [The First Agrees to Purchase Seven Cadence Bank Branches - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxNSkE3ZkVpNDBRSThLdDBqOE4xWDhXSjdwb0tsUzRUcHg5b0FzOUNZbTZpZU1YVlFPUWxMeXYzR2Z0ejhNVjg1S203SzB0TkpuRTZUYXpTSF8xczlXUVpPanlxT2hOcUJpX1ZIUlF2LUVxR21GQ0g5Qy1NQWlxS3FFMFFXU1RzbkYtLXlOZ3R2b2lRb0JIUGNrLUgxQ1UyajFmS2ZXM0JsM25LenVtd0tGZVoyMA?oc=5) · Business Wire
- 2019-02-19 [State Bank branches become Cadence Bank - Savannah Morning News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPdTliWGZTTkl1MWxpQnNvSDBxbERSV3g0eTVZdzY5Z2tHTlVnNTB6LUNHZDFvZ2NSamxUVHVLbFQ3R04xSWNhVVAycHNIM2ZIN3h2REJKWXdpckhTZE5DQWlqR1lRdU96bWxCb1VLbEswTWo3ZElmdUo1V1ZUTDIzanZ3ZWZSNDNFLUZMSGo2eTNVaDA0Q0NDZkpuaWxzVjB0M3JwMmR5RmdZZXlKR2ZCV1ZlMXk?oc=5) · Savannah Morning News
- 2023-07-25 [Raja Khalaf – Cadence Bank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE8wSWZZMlJMY2kzZ3o3Y25SeGZubUdkRjh1MXM1cDJ3QXJaY1k2ZlR0czBXSzRfcDYyM3poSUJ5NVAySlF4V0FfZmI3YlNaM0F5cW91VnluTDJzcHc1TW8zMFBMUFRkcktuN2lnVnpveXlnUy1UQm5IRw?oc=5) · Vanguard Law Magazine
- 2021-04-12 [BancorpSouth Bank and Cadence Bancorporation to combine in transformational merger - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPNnp4M0dkZUFRejUwMUNDM3QwaURnczA0cHV3a0RkZlh4Ym9taTVJMDNCOE1PcG1rNTZuZzJaQlIxbi04VThJMHo5WkUydUJ2NlNqVEhOSVdwNl9GeDJtRUo1U3lwejhJOHFiWnloSHUyc1ZsMzBLdlEwUFZFb2d3SUpCaGZfN1RjWldUNllLNkNvdnpXbVdQYWJ0ZnhrSDFaY19tbHJUY1VYVi1RLW0wNjNReThQUk54c3V5eUgtS25jS2ZsWDBEbnhXSlpTNFJaZ3c5ZQ?oc=5) · PR Newswire
- 2024-04-15 [Cadence Bank class action alleges bank charges exorbitant out-of-network ATM fees - Top Class Actions](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNXzdkM1FQNzVUckc0RGNSczU5V1ZnLWtzdVp3d2NnODhqcGdBUkMyZDlSbnFNOUlpYXZOQzBFdzRjcmwwaDZ3T2hoM3dYTUVsd0dQdGpvWTJCZzhVZF9EQVByUzFNTGdyMEZnbC1uSFhoRklIX1k1LUt4SG1yTmpLOW5zWWlwUFBzUTN4YjNnQmN6SEYyVFkxLUVxMXVUbTNja3hRcEp0Z0J5a0ZSRGtScVlIbmdxVTFBSUtvOElsWGg5YlFCWGZYcWdDX1gxRlZjMXhOLXpLM1B5QW8?oc=5) · Top Class Actions
- 2020-07-22 [Regulators review plan for Classic City Bank in Athens, 1st new bank in city since 2005 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOV0RaYjlueE9jclNMNThlNEI1ZDBENURTWTh0WXdfYVZCbWMzY1VfRm9USE5YZ1FqcV9jNWl1X3JObi1RYzNPYVIwQ2hhaHFMbU1zWVVTeW5wQmpobFZNY1BPdF8yV2VoZi1yQjBJTEFDU25QOHBsLWR0TTFzWThQdEhQYU55bUZ4bnBCN1NIbE9MVDVCTlpKLThvN0tiZWJqakZV?oc=5) · The Business Journals
- 2021-01-25 [Atlanta's 500 Most Powerful Leaders in 2021: Business - Atlanta Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxOa0M4ZGtxWU5vT3piMk1wV25DS0lZM3R5MzUyMDIybGtyVjJTOXpWT1JITUdHT1JaaVF5YVZNTnJYNmFxc2lJeHpqQ2lubVFWcGZmTlhPQ3Bhek5pRjN2aE1uVkNfUF9RU2dQaFRHM3NaOHpQWVNEam5aa25hdzF6TjlMV2ZMN0k?oc=5) · Atlanta Magazine
- 2020-12-01 [Cadence Bank Enhances its Online and Mobile Banking Experience by Offering Zelle® - Business Wire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxONFcyb3ZxN0ljb3FXRUJQU0ZaSWdibGE4eEllRkZmWWlZbHNBWk5aSXhEcWM4bmM2aTJaWjNDcnRsSFZNWUF2ckFWbTczc0pIZWRLeVlkUEQxZnVnZ1FXd2tqTXNyTW40ZVNBUXl5ZWpkSWRZLW1kbmwzNFFEdWVnTVNvNjZWMVJ6SjZhSk43NjY2NGtvUmJHLUsyUlZOaW1SQVI5N2JNT2ZvRWJaU3hqSlFVZl91ZmZhd0owTjlrMGZGTHNaMFhpVmdwYjBuSENtTWVF?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4999 (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/7.json (key "4999", 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