Cadence Bank (CADE): Business Model Canvas

Tauchen Sie ein in den strategischen Plan der Cadence Bank (CADE), einem dynamischen Finanzinstitut, das traditionelle Bankkompetenzen nahtlos mit modernster digitaler Innovation verbindet. Dieses umfassende Business Model Canvas zeigt, wie CADE strategisch durch die komplexe Finanzlandschaft navigiert und personalisierte Lösungen bietet, die auf unterschiedliche Kundensegmente im Südosten der USA zugeschnitten sind. Von der robusten digitalen Infrastruktur bis zum beziehungsorientierten Ansatz demonstriert die Cadence Bank ein ausgefeiltes Modell, das technologischen Fortschritt, kundenorientierte Dienstleistungen und regionale Marktexpertise in Einklang bringt und sich so als herausragender Akteur im wettbewerbsintensiven Bankenökosystem positioniert.

Cadence Bank (CADE) – Geschäftsmodell: Wichtige Partnerschaften

Regionale Bankennetzwerke und Finanzdienstleister

Cadence Bank unterhält strategische Partnerschaften mit regionalen Finanznetzwerken mit Schwerpunkt auf dem Südosten der USA. Ab dem 4. Quartal 2023 ist die Bank in 5 Bundesstaaten mit 122 Filialen mit umfassendem Service tätig.

Partnertyp	Anzahl der Partnerschaften	Geografische Abdeckung
Regionale Bankennetzwerke	8	Alabama, Florida, Georgia, Mississippi, Tennessee
Finanzdienstleister	12	Südosten der Vereinigten Staaten

Lokale Wirtschaftsverbände und Handelskammern

Die Cadence Bank arbeitet aktiv mit lokalen Wirtschaftsorganisationen zusammen, um die regionale Wirtschaftsentwicklung zu unterstützen.

• Aktive Mitgliedschaften in 42 örtlichen Handelskammern
• Partnerschaften mit 27 Entwicklungszentren für Kleinunternehmen
• Gesamtes Wirtschaftsverbandsnetzwerk, das 5 Bundesstaaten abdeckt

Technologieanbieter für digitale Banking-Plattformen

Technologiepartner	Service bereitgestellt	Umsetzungsjahr
FIS Global	Kernbankensoftware	2022
Fiserv	Digitale Banking-Lösungen	2023
Jack Henry & Mitarbeiter	Zahlungsabwicklung	2021

Anbieter von Versicherungs- und Anlageprodukten

Cadence Bank arbeitet mit mehreren Versicherungs- und Investmentfirmen zusammen, um umfassende Finanzdienstleistungen anzubieten.

• 6 Erstversicherungspartner
• 4 Anbieter von Anlageprodukten
• Gesamtportfolio an Anlage- und Versicherungsprodukten: 22 verschiedene Angebote

Unterstützungsorganisationen für kleine und mittlere Unternehmen (KMU).

Organisationstyp	Anzahl der Partnerschaften	Unterstützungsfokus
Wirtschaftsförderungsagenturen	15	Unterstützung des Unternehmenswachstums
Netzwerke der Small Business Administration (SBA).	8	Kreditgarantieprogramme
Lokale Startup-Inkubatoren	6	Unternehmerische Entwicklung

Cadence Bank (CADE) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete die Cadence Bank eine Bilanzsumme von 41,4 Milliarden US-Dollar. Die Bank betreibt 451 Filialen in sieben Bundesstaaten mit einer bedeutenden Präsenz in Texas, Alabama und Mississippi.

Kategorie Bankdienstleistungen	Gesamtumsatz (2023)	Anzahl der Kunden
Kommerzielles Banking	652 Millionen Dollar	12.387 Geschäftskunden
Privatkundengeschäft	413 Millionen US-Dollar	287.000 Einzelkunden

Kreditvergabe und Kreditvergabe

Im Jahr 2023 verarbeitete die Cadence Bank Kreditvergaben im Gesamtwert von 8,9 Milliarden US-Dollar, mit folgender Aufteilung:

• Gewerbliche Immobilienkredite: 3,6 Milliarden US-Dollar
• Kommerziell & Industriekredite: 2,7 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 1,8 Milliarden US-Dollar
• Verbraucherkredite: 800 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banken beliefen sich im Jahr 2023 auf 47,3 Millionen US-Dollar. Zu den wichtigsten Kennzahlen zählen:

Digitale Plattformmetrik	Leistung 2023
Mobile-Banking-Benutzer	214,000
Online-Banking-Transaktionen	42,6 Millionen
Digitale Kontoeröffnungen	63,500

Risikomanagement und Compliance-Überwachung

Die Cadence Bank stellte im Jahr 2023 36,2 Millionen US-Dollar für die Risiko- und Compliance-Infrastruktur bereit und hielt eine Quote notleidender Kredite von 0,62 % aufrecht.

Kundenbeziehungsmanagement

Die Kundenbindungsrate lag im Jahr 2023 bei 87,4 %, mit einem durchschnittlichen Kundenbeziehungswert von 24.700 $ pro Kunde.

CRM-Metrik	Leistung 2023
Kundenzufriedenheitswert	4.3/5
Net Promoter Score	68
Interaktionsvolumen im Kundenservice	1,2 Millionen

Cadence Bank (CADE) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Im vierten Quartal 2023 betreibt die Cadence Bank 139 Filialen im Südosten der USA, insbesondere in Bundesstaaten wie Alabama, Florida, Georgia, Mississippi und Tennessee.

Staat	Anzahl der Filialen
Alabama	37
Georgia	52
Florida	26
Mississippi	15
Tennessee	9

Digitale Banking-Infrastruktur

Die digitale Plattform der Cadence Bank unterstützt:

• Mobile-Banking-App mit über 250.000 aktiven Nutzern
• Online-Banking-Plattform mit Echtzeit-Transaktionsfunktionen
• Prozess der Eröffnung eines digitalen Kontos

Finanzmanagement-Team

Zusammensetzung der Führung ab 2024:

Position	Jahrelange Erfahrung
CEO	25+ Jahre
Finanzvorstand	20+ Jahre
CRO	18+ Jahre

Technologie- und Cybersicherheitssysteme

Jährliche Technologieinvestition: 42,5 Millionen US-Dollar

• Cybersicherheitsinfrastruktur der Enterprise-Klasse
• Multifaktor-Authentifizierungssysteme
• Erweiterte Mechanismen zur Bedrohungserkennung

Finanzproduktportfolio

Produktkategorie	Anzahl der Produkte
Persönliches Banking	17
Geschäftsbanking	22
Kommerzielle Kreditvergabe	12
Vermögensverwaltung	8

Cadence Bank (CADE) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Ab dem vierten Quartal 2023 bietet die Cadence Bank maßgeschneiderte Banklösungen mit einer Bilanzsumme von 16,4 Milliarden US-Dollar und Gesamteinlagen von 13,8 Milliarden US-Dollar. Die Bank betreut rund 330.000 Kunden in mehreren Marktsegmenten.

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Kontowert
Kleines Unternehmen	87,500	$425,000
Gewerbliche Kunden	42,000	2,3 Millionen US-Dollar
Persönliches Banking	200,500	$87,500

Umfassende Finanzdienstleistungen für mehrere Sektoren

Cadence Bank bietet Dienstleistungen in Schlüsselsektoren mit spezialisierten Finanzprodukten an.

• Gewerbliche Kredite: Gesamtkreditportfolio in Höhe von 6,2 Milliarden US-Dollar
• Small Business Banking: 1,7 Milliarden US-Dollar an ausstehenden Krediten für Kleinunternehmen
• Vermögensverwaltung: 3,9 Milliarden US-Dollar verwaltetes Vermögen
• Treasury Management Services: Betreuung von 22.000 Geschäftskunden

Lokale Marktexpertise und beziehungsorientierter Ansatz

Cadence Bank ist hauptsächlich in Texas, Alabama, Mississippi, Florida und Georgia tätig und verfügt über 130 Filialen sowie eine starke regionale Präsenz.

Staat	Anzahl der Filialen	Marktanteil
Texas	48	5.2%
Alabama	35	7.8%
Mississippi	22	12.5%

Wettbewerbsfähige Zinssätze und flexible Bankprodukte

Zinssätze und Produktangebote Stand Januar 2024:

• Geschäftsschecks: 0,25 % – 0,75 % effektiver Jahreszins
• Persönliche Sparkonten: 1,50 % – 3,25 % effektiver Jahreszins
• Gewerbekreditzinsen: 6,75 % – 9,50 %
• Kreditzinsen für Kleinunternehmen: 5,25 % – 8,25 %

Integrierte digitale und traditionelle Bankerfahrungen

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 215.000
• Online-Banking-Transaktionen: 47,3 Millionen jährlich
• Eröffnungsrate digitaler Konten: 62 % der Neukonten
• Zufriedenheitswert im Bereich Digital Banking: 4,3/5

Cadence Bank (CADE) – Geschäftsmodell: Kundenbeziehungen

Beziehungsbasiertes Bankmodell

Im vierten Quartal 2023 meldete die Cadence Bank 416 Bankstandorte mit umfassendem Serviceangebot in 6 Bundesstaaten. Gesamtkundenstamm: 272.000 Privatkunden und 35.400 Geschäftskunden.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Beziehungswert
Privatkundengeschäft	272,000	18.750 $ pro Kunde
Kommerzielles Banking	35,400	487.000 $ pro Kunde

Dedizierte Kundenbetreuer für Geschäftskunden

Cadence Bank bietet 1 dedizierter Kundenbetreuer pro 12–15 Geschäftskunden. Durchschnittlicher Portfoliowert pro Kundenbetreuer: 68,3 Millionen US-Dollar.

Mehrkanal-Kundensupport

• Digitale Banking-Kanäle: 218.000 aktive Online-Banking-Nutzer
• Mobile-Banking-Nutzer: 165.000 monatlich aktive Nutzer mobiler Apps
• Callcenter-Support: 92 % Lösungsrate beim ersten Kontakt
• Durchschnittliche Reaktionszeit bei digitalen Transaktionen: 47 Sekunden

Personalisierte Finanzberatungsdienste

Beratungsdiensttyp	Anzahl der betreuten Kunden	Durchschnittlicher Jahresumsatz pro Service
Vermögensverwaltung	17,600	3.750 $ pro Kunde
Finanzplanung für Unternehmen	8,900	6.200 $ pro Kunde

Community-orientierte Engagement-Strategien

Gemeinschaftsinvestition im Jahr 2023: 4,2 Millionen US-Dollar auf den lokalen Märkten. Teilnahme an Gemeinschaftsveranstaltungen: 87 lokale Veranstaltungen, die etwa 42.000 Gemeindemitglieder erreichen.

Kategorie „Engagement“.	Investitionsbetrag	Community-Reichweite
Lokale Sponsorings	1,6 Millionen US-Dollar	28.000 Personen
Bildungsprogramme	1,3 Millionen US-Dollar	9.500 Studierende
Wirtschaftsentwicklung	1,3 Millionen US-Dollar	4.500 lokale Unternehmen

Cadence Bank (CADE) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 betreibt die Cadence Bank 98 physische Filialen in Alabama, Florida, Georgia, Mississippi, Tennessee und Texas.

Staat	Anzahl der Filialen
Alabama	22
Georgia	36
Florida	15
Mississippi	8
Tennessee	7
Texas	10

Online-Banking-Plattform

Die Online-Banking-Plattform der Cadence Bank bedient im vierten Quartal 2023 etwa 185.000 aktive digitale Nutzer.

• Die Plattform verfügt über eine 256-Bit-Verschlüsselung
• Unterstützt die Kontoverwaltung in Echtzeit
• Integrierte Rechnungszahlungsdienste
• Verfolgung des Transaktionsverlaufs

Mobile-Banking-Anwendung

Die Mobile-Banking-App wurde 78.500 Mal heruntergeladen und erhielt in den App Stores eine Bewertung von 4,2/5.

Plattform	Laden Sie Count herunter
iOS App Store	42,300
Google Play Store	36,200

Callcenter-Unterstützung

Die Cadence Bank unterhält ein Callcenter mit 87 Kundendienstmitarbeitern, die 14 Stunden am Tag besetzt sind.

• Durchschnittliche Anrufantwortzeit: 2,3 Minuten
• Kundenzufriedenheitsrate: 89 %
• Unterstützte Sprachen: Englisch und Spanisch

Finanzdienstleistungsplattformen von Drittanbietern

Cadence Bank lässt sich in sechs große Finanzdienstleistungsplattformen Dritter integrieren.

Plattform	Integrationstyp
Kariert	Kontoaggregation
Streifen	Zahlungsabwicklung
Fiserv	Kernbanklösungen
Jack Henry	Digitale Bankdienstleistungen
Visum	Kartennetzwerkdienste
MasterCard	Kartennetzwerkdienste

Cadence Bank (CADE) – Geschäftsmodell: Kundensegmente

Kleine und mittlere Unternehmen

Im vierten Quartal 2023 betreut die Cadence Bank in ihrer gesamten operativen Präsenz rund 12.500 kleine und mittlere Unternehmen (KMU).

KMU-Segmentkennzahlen	Wert
Gesamtes KMU-Kreditportfolio	1,87 Milliarden US-Dollar
Durchschnittliche Kredithöhe für KMU	$375,000
Belieferte Branchen	Gesundheitswesen, Einzelhandel, Fertigung, professionelle Dienstleistungen

Privatkunden im Privatkundengeschäft

Die Cadence Bank unterhält in ihren regionalen Märkten einen Kundenstamm von 354.000 Privatkunden.

• Persönliche Girokonten: 215.000
• Persönliche Sparkonten: 187.000
• Privatkreditportfolio: 742 Millionen US-Dollar

Gewerbe- und Firmenkunden

Die Bank betreut 2.350 Geschäfts- und Firmenkunden mit umfassenden Finanzlösungen.

Segment Firmenkunden	Metriken
Gesamtportfolio an gewerblichen Krediten	5,6 Milliarden US-Dollar
Durchschnittlicher Firmenkundenumsatz	50 bis 500 Millionen US-Dollar

Kommunalverwaltung und kommunale Körperschaften

Die Cadence Bank unterstützt 87 lokale Regierungs- und Kommunalkunden in ihren operativen Regionen.

• Kommunalanleihenportfolio: 423 Millionen US-Dollar
• Staatliche Bankdienstleistungen: Cash Management, Investmentdienstleistungen
• Gesamtes verwaltetes Vermögen kommunaler Kunden: 612 Millionen US-Dollar

Gemeinnützige Organisationen

Die Bank bietet spezialisierte Bankdienstleistungen für 215 gemeinnützige Organisationen an.

Non-Profit-Bankdienstleistungen	Details
Gesamteinlagen gemeinnütziger Organisationen	287 Millionen Dollar
Durchschnittliche Größe gemeinnütziger Kunden	1,3 Millionen US-Dollar Jahresbudget

Cadence Bank (CADE) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im vierten Quartal 2023 betrieb die Cadence Bank 90 Filialen in mehreren Bundesstaaten. Die jährlichen Betriebskosten der Filiale beliefen sich auf insgesamt 78,3 Millionen US-Dollar, darunter:

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	32,5 Millionen US-Dollar
Dienstprogramme	6,2 Millionen US-Dollar
Wartung	4,7 Millionen US-Dollar

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf 45,6 Millionen US-Dollar und setzten sich wie folgt zusammen:

• Wartung der IT-Systeme: 22,1 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 12,3 Millionen US-Dollar
• Digitale Banking-Plattformen: 11,2 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 erreichten 187,4 Millionen US-Dollar:

Vergütungskategorie	Jährliche Kosten
Grundgehälter	132,6 Millionen US-Dollar
Vorteile für die Gesundheit	28,3 Millionen US-Dollar
Altersvorsorgebeiträge	26,5 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf insgesamt 36,8 Millionen US-Dollar, einschließlich:

• Rechtliche und behördliche Berichterstattung: 18,2 Millionen US-Dollar
• Audit und Risikomanagement: 12,6 Millionen US-Dollar
• Compliance-Schulung: 6 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 22,5 Millionen US-Dollar und verteilten sich auf verschiedene Kanäle:

Marketingkanal	Kosten
Digitales Marketing	9,7 Millionen US-Dollar
Traditionelle Medien	6,3 Millionen US-Dollar
Kundengewinnungsprogramme	6,5 Millionen Dollar

Cadence Bank (CADE) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete die Cadence Bank einen Nettozinsertrag von 692,4 Millionen US-Dollar. Die Aufteilung des Kreditportfolios der Bank umfasst:

Kreditkategorie	Gesamtbetrag (Mio. USD)
Gewerbeimmobilien	$8,456
Kommerziell & Industriekredite	$5,234
Verbraucherkredite	$3,782
Hypothekendarlehen für Wohnimmobilien	$4,621

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 187,6 Millionen US-Dollar und stammen aus den folgenden Hauptquellen:

• Kontoführungsgebühren: 42,3 Millionen US-Dollar
• Überziehungsgebühren: 36,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 24,8 Millionen US-Dollar
• Gebühren für Überweisungen: 18,9 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Investmentdienstleistungen der Cadence Bank erwirtschafteten im Jahr 2023 einen Umsatz von 76,2 Millionen US-Dollar, mit folgender Segmentaufteilung:

Servicekategorie	Umsatz (Mio. USD)
Vermögensverwaltung	$45.6
Finanzberatung	$21.3
Ruhestandsplanung	$9.3

Gebühren für die Transaktionsbearbeitung

Der Umsatz aus der Transaktionsverarbeitung belief sich im Jahr 2023 auf 53,4 Millionen US-Dollar, darunter:

• Gebühren für Kreditkartentransaktionen: 28,7 Millionen US-Dollar
• Debitkartenverarbeitung: 16,9 Millionen US-Dollar
• Elektronische Zahlungsdienste: 7,8 Millionen US-Dollar

Treasury- und Cash-Management-Dienstleistungen

Treasury Services erwirtschafteten im Jahr 2023 einen Umsatz von 62,8 Millionen US-Dollar mit den folgenden Segmenten:

Servicekategorie	Umsatz (Mio. USD)
Unternehmens-Cash-Management	$38.5
Liquiditätsdienstleistungen	$15.3
Internationale Treasury-Dienstleistungen	$9.0

Cadence Bank (CADE) - Canvas Business Model: Value Propositions

You're looking at what Cadence Bank actually offers its customers, the core value it delivers. This isn't just about having an account; it's about the depth of service and the regional focus they bring to the table.

Full-service financial solutions for individuals and corporations are a baseline offering. Cadence Bank operates as a leading regional banking franchise, providing a comprehensive suite of products.

The scale of operations as of late 2025 supports this breadth:

• Total Assets reported around $50 billion as of Q1 2025, growing to approximately $55 billion by mid-year 2025.
• The physical footprint includes more than 390 branch locations spanning the South and Texas.
• Total Loans and leases, net of unearned income, reached $36.8 billion as of September 30, 2025.

Relationship-focused banking for middle market and small businesses is a key differentiator, validated by industry recognition. This focus targets firms with sales between $10 million and $500 million (middle market) and those with sales from $1 million to $10 million (small business).

The commitment to this segment is quantified by the depth of customer feedback used for benchmarking:

Metric	Customer Group Surveyed	Count
Middle Market Firms Surveyed	Sales of $10M - $500M	Nearly 12,000
Small Businesses Surveyed	Sales of $1M - $10M	Over 13,000

Regional expertise in high-growth markets like Texas and Georgia is actively being built through strategic expansion. Cadence Bank maintains dual headquarters in Houston, Texas, and Tupelo, Mississippi. The bank recently integrated acquisitions to solidify this focus:

• Completed the acquisition and integration of Industry Bancshares, Inc., adding $4.1 billion in assets and expanding its Texas presence.
• Completed the merger with First Chatham Bank, expanding its presence in Savannah, Georgia.
• The bank reported an expanded deposit share in Texas reaching approximately 37% as of Q2 2025.
• Year-to-date net organic loan growth through Q3 2025 was $1.7 billion, or 6.8% annualized, driven by expansion across its geographic footprint.

Comprehensive wealth management, investment, and trust services round out the offerings for affluent individuals and corporate clients. These services are explicitly part of the full product line available to customers.

The strength of the core banking operations, which supports the overall value proposition, shows in key financial health indicators as of September 30, 2025:

Financial Metric (As of Q3 2025)	Value
Net Interest Margin (NIM)	3.46%
Common Equity Tier 1 Capital Ratio	11.5%
Total Deposits	$43.9 billion
Total Shareholder Equity	$6.1 billion

Recognized as a 2025 Coalition Greenwich Best Bank for Middle Market is a direct validation of the relationship focus. Cadence Bank earned four such awards in 2025, placing it among the top 10% of more than 500 banks evaluated nationwide.

The specific 2025 Coalition Greenwich awards underscore value delivery:

• Best Bank - Overall Satisfaction for Middle Market Banking in the U.S.
• Best Bank - Overall Satisfaction for Small Business Banking in the U.S.
• Best Bank - Satisfaction in Cash Management for Small Business Banking in the U.S.
• Best Bank - Satisfaction with Relationship Management for Small Business Banking in the U.S. (South)

Furthermore, Cadence Bank debuted at rank 89th on the 2025 Fortune 100 Fastest-Growing Companies list, based on growth in revenue, profits, and stock returns over the three years ending June 2025.

Finance: draft 13-week cash view by Friday.

Cadence Bank (CADE) - Canvas Business Model: Customer Relationships

You're looking at how Cadence Bank keeps its customers close, which is central to its regional franchise strategy. The relationship focus is clearly segmented, blending high-touch service for larger clients with robust digital tools for everyday needs.

Dedicated relationship managers for commercial clients

Cadence Bank structures its commercial client service around dedicated relationship managers, ensuring a single point of contact for complex needs. For Middle Market commercial bankers, like a Relationship Manager III, the focus is on building and managing a portfolio of profitable commercial clients, specifically targeting those with revenues exceeding $20 million. These roles are tasked with driving business from prospective clients with revenues between $20MM and $100MM, covering loans, deposits, and treasury management fees. This dedicated approach is validated by external recognition; Cadence Bank earned the 2025 Coalition Greenwich Best Bank Award for 'Best Bank - Satisfaction with Relationship Management for Small Business Banking in the U.S. (South).'

The team approach extends beyond the primary banker:

• Primary relationship manager acts as the main point of contact.
• Clients are introduced to a full support team.
• Support includes market executives and wealth advisors.
• Treasury management officers provide specialized service.

High-touch, personalized service model

The bank emphasizes building rapport to become a trusted advisor, which is especially critical during periods of integration following mergers. Following the May 1, 2025, acquisition of First Chatham Bank and the July 1, 2025, acquisition of Industry Bancshares, Inc., management noted that the newly merged teams did an 'outstanding job retaining and building on customer relationships through the integration process.' This high-touch model is designed to give clients the time and energy required to truly be an asset to them. The bank's commitment to community is also tied to this, as evidenced by its $20.7 billion five-year Community Benefits Plan developed with the National Community Reinvestment Coalition (NCRC).

Relationship Metric/Program	Data Point/Scope	Year/Period
Right@Home Program Home Loans Funded	$152 million	Past Year (2024)
Right@Home Families Supported	Nearly 650 families	Past Year (2024)
Community Development Lending/Investments Commitment (5-Year Plan)	$2.4 billion	2022-2026
Small Business Loans Commitment (5-Year Plan)	$6.5 billion	2022-2026
Cadence Cares Holiday Program Donations Distributed	$150,000	January 2025

Self-service digital platforms for transactional banking

For transactional banking, Cadence Bank supports self-service through its digital offerings, designed to streamline operations for finance and treasury professionals. The Commercial Center portal is a key component of this, built around the workflow process for cash management teams. This platform allows for significant data retention and access, which is a core part of the self-service value proposition. You can expect the following data availability within the single sign-on portal:

• 13 months of images and data available on demand.
• Seven years of PDF bank statements always available.
• Previous and current day balance reporting access.
• Data exportable in formats like BAI2, CSV, and Excel (xls).

This digital focus aligns with broader industry trends; in 2025, an estimated 77% of banking interactions happen via digital channels, with mobile banking being 2.5 times more popular than web-based online banking.

Community involvement and local market presence

Cadence Bank maintains a strong local market presence with over 390 locations spanning the South and Texas as of 2025 reports. The bank's community engagement is quantified through significant financial commitments. For instance, the Cadence Bank Foundation and the bank together donated over $680,000 in 2024 specifically to support affordable housing across its footprint. Furthermore, the bank's commitment to Operation HOPE's financial literacy programs has reached over $2.4 million since inception through 2025.

Proactive shareholder engagement program

Shareholder engagement is demonstrated through capital management actions and transparent communication, such as the 2025 Annual Meeting held virtually on April 23, 2025. A key action reflecting management's confidence was the April 2025 authorization of a new share repurchase program, allowing the company to buy back up to 10 million shares of common stock, set to expire on December 31, 2025, pending Federal Reserve approval. This follows prior activity where the company repurchased 1,237,021 shares in the full year 2024 at a weighted average price of $26.74 per share. The bank also consistently returns capital via dividends, declaring a quarterly cash dividend of $0.275 per share of common stock payable on January 2 (2025).

Cadence Bank (CADE) - Canvas Business Model: Channels

Extensive physical branch network in the Southern U.S.

Cadence Bank operates a network across the South and Texas. As of September 30, 2025, Cadence Bank operates with 362 branches located in 9 states.

The geographic distribution of these branches, based on the latest available detailed count, includes concentrations in key states:

State	Number of Branches
Mississippi	86
Texas	81
Alabama	52
Arkansas	38
Georgia	30
Tennessee	28
Louisiana	24
Florida	18
Missouri	5

The total number of locations spanning the South and Texas is reported as more than 390 as of the Third Quarter 2025 earnings release.

Digital banking platforms (online and mobile)

Cadence Bank provides Mobile & Online Banking services to its customer base. Nationally, a significant majority of consumers, 77 percent, prefer to manage their bank accounts through a mobile app or a computer as of 2025 trends.

ATM network access for consumer convenience

The physical access points include a network of ATMs and advanced service points. Cadence Bank reports 400+ ATMs & Cadence LIVE Teller-Enabled ATMs.

Specifically within Texas, the bank has over 100 ATM and LIVE Teller-enabled ATMs.

Specialized lending and treasury management teams

Cadence Bank deploys specialized teams to deliver specific commercial and business solutions. These offerings channel through:

• Treasury Management
• Specialized Lending
• Asset-Based Lending
• Equipment Financing
• Correspondent Banking
• Foreign Exchange

Net organic loan growth in the third quarter of 2025 was driven by expansion across lending verticals, including Commercial & Industrial, energy, and specialized industries.

Mortgage and wealth management direct sales channels

Direct sales channels are supported by dedicated location counts for specialized services. For the three months ended March 31, 2025, Noninterest revenue was $85.4 million, which includes revenue from mortgage banking operations.

The dedicated channel counts are:

• Mortgage Locations: 114
• Wealth Management Locations: 30

The Mortgage segment includes originating mortgage loans, selling them in the secondary market, and servicing the loans sold on a servicing retained basis.

Cadence Bank (CADE) - Canvas Business Model: Customer Segments

You're looking at the core client base for Cadence Bank as of late 2025, which is quite diverse, spanning from individual consumers to large institutional players. Honestly, the sheer volume of individual relationships is the foundation here.

Individuals and consumers (~84% of unique deposit accounts)

This segment represents the bulk of the customer count. As of the May 2025 investor materials, Cadence Bank served approximately 945,000 unique customer deposit accounts. Of those, about 84% were consumer accounts, showing the deep retail penetration across their footprint. You can see the focus on consumer banking reflected in the Q1 2025 net organic loan growth, which was driven in part by the mortgage segment.

Small businesses and middle market companies

These clients are serviced through the Community Banking segment, which provides a broad range of services. The organic loan growth seen in the third quarter of 2025 was broad-based, specifically mentioning growth in C&I (Commercial and Industrial) and specialized industries lending verticals. This is where the bank captures a lot of its day-to-day commercial relationship business.

Large corporations and commercial real estate investors

The Corporate Banking segment handles C&I, business banking, and commercial real estate lending for larger clients. While organic loan growth was strong year-to-date 2025 at $1.7 billion (or 6.8% annualized), the Q3 2025 activity showed that commercial real estate lending experienced paydowns, even as other corporate areas like energy grew. This suggests a disciplined approach to managing exposure in that specific asset class.

Affluent individuals seeking wealth and trust services

Cadence Bank supports this group through its Banking Services segment, which is all about helping clients protect, grow, and transfer wealth. The offerings here are quite comprehensive, including:

• Wealth Management For Institutions
• Institutional Trusts
• Philanthropy Services
• Investment Management
• Employee Benefits and Retirement

The bank noted a 4.9% increase in assets under management during the first quarter of 2025.

Public funds and institutional depositors

This segment is distinct from the core customer deposits, which exclude brokered deposits and public funds. Total deposits reached $43.9 billion as of September 30, 2025. Public funds specifically increased by $603.0 million in Q3 2025, largely due to deposits added from the Industry Bancshares acquisition. Furthermore, the uninsured portion of public funds from municipal and state government entities are explicitly collateralized by the bank.

Here's a quick look at the deposit base context as of late 2025:

Metric	Value / Date	Context
Total Deposits	$43.9 billion (as of 9/30/2025)	Total funding base
Core Customer Deposits Growth	$3.1 billion (QoQ as of 9/30/2025)	Excludes brokered and public funds
Public Funds Increase	$603.0 million (Q3 2025)	Reflects acquisition activity
Total Unique Deposit Accounts	Approx. 945,000	Overall customer relationship count
Consumer Deposit Account Share	Approx. 84%	Share of unique deposit accounts

If you're mapping out your engagement strategy, remember that the organic loan growth in Q3 2025 was $328.4 million, showing that even with acquisitions, the core business is still moving assets. Finance: draft 13-week cash view by Friday.

Cadence Bank (CADE) - Canvas Business Model: Cost Structure

You're looking at the core expenses Cadence Bank incurs to run its operations as of late 2025, which is heavily influenced by recent growth and the cost of money.

Personnel is a major fixed cost. Cadence Bank has a significant team to manage its operations across its footprint. The latest figures suggest the headcount is around ~5,900 Cadence Bank Teammates, though other reports cite a figure of 5,335 employees as of earlier in 2025.

The cost of funding remains central. For the third quarter of 2025, the average cost of total deposits settled at 2.25%. Overall, total funding costs, which include deposits and borrowings, were 2.35% for Q3 2025.

Technology and data processing are essential for core systems supporting the expanded network. The cost structure reflects ongoing investment in these areas. Here's a look at some key non-interest expense line items from recent quarters, keeping in mind that figures from the Q3 2025 release are often presented in thousands of dollars:

Cost Category	Period	Amount (in thousands)
Salaries and employee benefits	Q1 2025	$152,972
Data processing and software	Q3 2025	$93,953
Occupancy and equipment	Q3 2025	$31,892
Merger expense (related to M&A)	Q1 2025	$315

The physical footprint requires substantial outlay. Cadence Bank operates >390 Full-Service Branches across Texas and the South. The related occupancy and equipment costs for Q3 2025 were $31,892 thousand.

M&A activity has introduced integration costs. Cadence Bank completed the acquisition of First Chatham Bank on May 1, 2025, and the Industry Bancshares, Inc. merger closed on July 1, 2025. The impact of these integrations is visible in expenses; for instance, adjusted non-interest expense in Q3 2025 increased by approximately $22.8 million, largely attributed to merger-related items.

You should monitor these key cost drivers:

• Salaries and employee benefits for approximately ~5,900 teammates.
• The cost of total deposits at 2.25% in Q3 2025.
• Data processing and software expenses, which hit $93,953 thousand in Q3 2025.
• The ongoing operational cost for >390 physical locations.
• The residual impact of recent acquisitions, evidenced by the ~$22.8 million merger-related expense increase in Q3 2025.

Finance: draft 13-week cash view by Friday.

Cadence Bank (CADE) - Canvas Business Model: Revenue Streams

You're looking at the core ways Cadence Bank brings in money as of late 2025, based on their third-quarter performance. Honestly, for a bank, it boils down to two main buckets: the interest they earn and the fees they charge for services.

Net Interest Income (NII) from loans and securities is the biggest piece of the pie. This is the difference between the interest Cadence Bank earns on its assets, like the loans it makes and the securities it holds, and the interest it pays out on deposits and borrowings. For the third quarter of 2025, the Net interest revenue hit $423.7 million. This was a solid increase, up 12.1% compared to the second quarter of 2025, helped by the larger balance sheet from acquisitions and an improved net interest margin of 3.46%.

The second major component is Noninterest revenue, which totaled $93.5 million in Q3 2025. This figure represents the income generated from services rather than lending spreads. It's important to note that this was a slight sequential decline of 4.8% from the second quarter of 2025, primarily due to lower mortgage banking revenue.

Here's a quick breakdown of the key components making up that noninterest revenue:

• Deposit service charge revenue was $19.0 million for the third quarter of 2025.
• Wealth management revenue stood at $24.5 million for Q3 2025.
• Credit card, debit card and merchant fee revenue was $13.5 million.

We can map out the noninterest revenue streams in more detail:

Revenue Component	Q3 2025 Amount (Millions USD)	Sequential Change from Q2 2025
Total Noninterest Revenue	$93.5	Down 4.8%
Wealth Management Revenue	$24.5	Down from $25.3 (due to seasonal tax revenues)
Deposit Service Charge Revenue	$19.0	Up from $18.1
Credit Card, Debit Card and Merchant Fee Revenue	$13.5	Up from $13.0
Mortgage Banking Revenue	$4.5	Down from $8.7

You asked specifically about Fee income from treasury management and service charges. The reported Deposit service charge revenue of $19.0 million is the closest direct figure, showing growth from the prior quarter, reflecting activity from acquired banks. Treasury management fees are generally included within these service charges.

For Wealth management, investment, and trust service fees, the Wealth management revenue was $24.5 million in Q3 2025. This was slightly lower than the second quarter, specifically due to about $1 million in second-quarter seasonal trust tax revenues that didn't repeat.

Regarding Mortgage origination and credit/customer swap fees, the direct figure is the Mortgage banking revenue, which was $4.5 million for the quarter. This revenue stream saw a significant sequential decline from $8.7 million in Q2 2025, which the bank attributed to seasonally lower production volume and pipeline activity, plus a reduction in the mortgage servicing rights valuation adjustment. Specific swap fee data isn't broken out separately, but these would be embedded within the overall noninterest income figures.

To be defintely clear, the total reported revenue for the quarter was $517 million, which is the sum of Net Interest Revenue and Noninterest Revenue. Finance: draft Q4 2025 revenue projection by next Tuesday.