Cadence Bank (CADE): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el modelo estratégico del Banco Cadence (CADE), una institución financiera dinámica que combina sin problemas la destreza bancaria tradicional con innovación digital de vanguardia. Este lienzo de modelo comercial integral revela cómo Cade navega estratégicamente el complejo panorama financiero, ofreciendo soluciones personalizadas que atienden a diversos segmentos de clientes en el sureste de los Estados Unidos. Desde su robusta infraestructura digital hasta un enfoque basado en relaciones, Cadence Bank demuestra un modelo sofisticado que equilibra el avance tecnológico, los servicios centrados en el cliente y la experiencia en el mercado regional, posicionándose como un jugador formidable en el ecosistema bancario competitivo.

Cadence Bank (CADE) - Modelo de negocio: asociaciones clave

Redes bancarias regionales y proveedores de servicios financieros

Cadence Bank mantiene asociaciones estratégicas con redes financieras regionales, centrándose en el sureste de los Estados Unidos. A partir del cuarto trimestre de 2023, el banco opera en 5 estados con 122 sucursales de servicio completo.

Tipo de socio	Número de asociaciones	Cobertura geográfica
Redes bancarias regionales	8	Alabama, Florida, Georgia, Mississippi, Tennessee
Proveedores de servicios financieros	12	Sudeste de los Estados Unidos

Asociaciones comerciales locales y cámaras de comercio

Cadence Bank colabora activamente con organizaciones empresariales locales para apoyar el desarrollo económico regional.

• Membresías activas en 42 cámaras locales de comercio
• Asociaciones con 27 centros de desarrollo de pequeñas empresas
• Red de asociación de negocios totales que cubren 5 estados

Proveedores de tecnología para plataformas de banca digital

Socio tecnológico	Servicio proporcionado	Año de implementación
FIS Global	Software bancario central	2022
Fiserv	Soluciones de banca digital	2023
Jack Henry & Asociado	Procesamiento de pagos	2021

Proveedores de productos de seguros e inversiones

Cadence Bank se asocia con múltiples empresas de seguros e inversiones para ofrecer servicios financieros integrales.

• 6 socios de seguro primario
• 4 proveedores de productos de inversión
• Portafolio de productos de inversión y seguros totales: 22 ofertas distintas

Organizaciones de apoyo de la empresa pequeña a media (PYME)

Tipo de organización	Número de asociaciones	Apoyo al enfoque
Agencias de desarrollo económico	15	Apoyo al crecimiento empresarial
Redes de administración de pequeñas empresas (SBA)	8	Programas de garantía de préstamos
Incubadoras locales de inicio	6	Desarrollo empresarial

Cadence Bank (CADE) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Cadence Bank reportó activos totales de $ 41.4 mil millones. El banco opera 451 sucursales en 7 estados, con una presencia significativa en Texas, Alabama y Mississippi.

Categoría de servicio bancario	Ingresos totales (2023)	Número de clientes
Banca comercial	$ 652 millones	12,387 clientes comerciales
Banca minorista	$ 413 millones	287,000 clientes individuales

Originación de préstamo y suscripción de crédito

En 2023, Cadence Bank procesó originaciones de préstamos por un total de $ 8.9 mil millones, con el siguiente desglose:

• Préstamos inmobiliarios comerciales: $ 3.6 mil millones
• Comercial & Préstamos industriales: $ 2.7 mil millones
• Préstamos hipotecarios residenciales: $ 1.8 mil millones
• Préstamos al consumidor: $ 800 millones

Desarrollo de la plataforma de banca digital

Las inversiones de banca digital para 2023 alcanzaron $ 47.3 millones, con métricas clave que incluyen:

Métrica de plataforma digital	2023 rendimiento
Usuarios de banca móvil	214,000
Transacciones bancarias en línea	42.6 millones
Aperturas de cuentas digitales	63,500

Gestión de riesgos y monitoreo de cumplimiento

Cadence Bank asignó $ 36.2 millones a la infraestructura de riesgo y cumplimiento en 2023, manteniendo un índice de préstamo no realizado de 0.62%.

Gestión de la relación con el cliente

La tasa de retención de clientes en 2023 fue del 87.4%, con un valor promedio de relación con el cliente de $ 24,700 por cliente.

Métrico CRM	2023 rendimiento
Puntuación de satisfacción del cliente	4.3/5
Puntuación del promotor neto	68
Volumen de interacción de servicio al cliente	1.2 millones

Cadence Bank (CADE) - Modelo de negocio: recursos clave

Red de sucursal extensa

A partir del cuarto trimestre de 2023, Cadence Bank opera 139 sucursales en el sureste de los Estados Unidos, específicamente en estados como Alabama, Florida, Georgia, Mississippi y Tennessee.

Estado	Número de ramas
Alabama	37
Georgia	52
Florida	26
Misisipí	15
Tennesse	9

Infraestructura bancaria digital

La plataforma digital de Cadence Bank es compatible con:

• Aplicación de banca móvil con más de 250,000 usuarios activos
• Plataforma bancaria en línea con capacidades de transacción en tiempo real
• Proceso de apertura de cuentas digitales

Equipo de gestión financiera

Composición de liderazgo a partir de 2024:

Posición	Años de experiencia
CEO	Más de 25 años
director de Finanzas	Más de 20 años
Cro	Más de 18 años

Sistemas de tecnología y ciberseguridad

Inversión tecnológica anual: $ 42.5 millones

• Infraestructura de ciberseguridad de grado empresarial
• Sistemas de autenticación multifactor
• Mecanismos avanzados de detección de amenazas

Cartera de productos financieros

Categoría de productos	Número de productos
Banca personal	17
Banca de negocios	22
Préstamo comercial	12
Gestión de patrimonio	8

Cadence Bank (CADE) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, Cadence Bank proporciona soluciones bancarias a medida con activos totales de $ 16.4 mil millones y depósitos totales de $ 13.8 mil millones. El banco atiende a aproximadamente 330,000 clientes en segmentos de mercado múltiple.

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Pequeño negocio	87,500	$425,000
Clientes comerciales	42,000	$ 2.3 millones
Banca personal	200,500	$87,500

Servicios financieros integrales en múltiples sectores

Cadence Bank ofrece servicios en sectores clave con productos financieros especializados.

• Préstamo comercial: $ 6.2 mil millones en cartera de préstamos totales
• Banca de pequeñas empresas: $ 1.7 mil millones en préstamos de pequeñas empresas sobresalientes
• Gestión de patrimonio: $ 3.9 mil millones en activos bajo gestión
• Servicios de gestión del tesoro: apoyo a 22,000 clientes comerciales

Experiencia en el mercado local y enfoque basado en relaciones

Operando principalmente en Texas, Alabama, Mississippi, Florida y Georgia con 130 sucursales, Cadence Bank mantiene una fuerte presencia regional.

Estado	Número de ramas	Cuota de mercado
Texas	48	5.2%
Alabama	35	7.8%
Misisipí	22	12.5%

Tasas de interés competitivas y productos bancarios flexibles

Tasas de interés y ofertas de productos a partir de enero de 2024:

• Verificación de negocios: 0.25% - 0.75% APY
• Cuentas de ahorro personal: 1.50% - 3.25% APY
• Tasas de préstamo comercial: 6.75% - 9.50%
• Tasas de préstamo para pequeñas empresas: 5.25% - 8.25%

Experiencias bancarias digitales y tradicionales integradas

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 215,000
• Transacciones bancarias en línea: 47.3 millones anuales
• Tasa de apertura de la cuenta digital: 62% de las cuentas nuevas
• Puntuación de satisfacción bancaria digital: 4.3/5

Cadence Bank (CADE) - Modelo de negocios: relaciones con los clientes

Modelo bancario basado en relaciones

A partir del cuarto trimestre de 2023, Cadence Bank reportó 416 ubicaciones de banca de servicio completo en 6 estados. Base total de clientes: 272,000 minoristas y 35,400 clientes de banca comercial.

Segmento de clientes	Número de clientes	Valor de relación promedio
Banca minorista	272,000	$ 18,750 por cliente
Banca comercial	35,400	$ 487,000 por cliente

Gerentes de relaciones dedicadas para clientes comerciales

Cadence Bank proporciona 1 Gerente de relaciones dedicado por cada 12-15 clientes comerciales. Valor de la cartera promedio por gerente de relaciones: $ 68.3 millones.

Atención al cliente multicanal

• Canales de banca digital: 218,000 usuarios activos de banca en línea
• Usuarios de banca móvil: 165,000 usuarios mensuales de aplicaciones móviles activas
• Soporte del centro de llamadas: tasa de resolución de primer contacto del 92%
• Tiempo de respuesta de transacción digital promedio: 47 segundos

Servicios de asesoramiento financiero personalizado

Tipo de servicio de asesoramiento	Número de clientes atendidos	Ingresos anuales promedio por servicio
Gestión de patrimonio	17,600	$ 3,750 por cliente
Planificación financiera comercial	8,900	$ 6,200 por cliente

Estrategias de participación centradas en la comunidad

Inversión comunitaria en 2023: $ 4.2 millones en los mercados locales. Participación del evento comunitario: 87 eventos locales, que llegan a aproximadamente 42,000 miembros de la comunidad.

Categoría de compromiso	Monto de la inversión	Comunicación alcance
Patrocinios locales	$ 1.6 millones	28,000 individuos
Programas educativos	$ 1.3 millones	9,500 estudiantes
Desarrollo económico	$ 1.3 millones	4.500 empresas locales

Cadence Bank (CADE) - Modelo de negocio: canales

Red de sucursales físicas

A partir de 2024, Cadence Bank opera 98 sucursales físicas en Alabama, Florida, Georgia, Mississippi, Tennessee y Texas.

Estado	Número de ramas
Alabama	22
Georgia	36
Florida	15
Misisipí	8
Tennesse	7
Texas	10

Plataforma bancaria en línea

La plataforma bancaria en línea de Cadence Bank atiende a aproximadamente 185,000 usuarios digitales activos a partir del cuarto trimestre de 2023.

• La plataforma presenta un cifrado de 256 bits
• Admite la gestión de cuentas en tiempo real
• Servicios de pago de facturas integradas
• Seguimiento del historial de transacciones

Aplicación de banca móvil

La aplicación de banca móvil se ha descargado 78,500 veces con una calificación de 4.2/5 en las tiendas de aplicaciones.

Plataforma	Descargar recuento
Tienda de aplicaciones de iOS	42,300
Google Play Store	36,200

Soporte del centro de llamadas

Cadence Bank mantiene un centro de llamadas con 87 representantes de servicio al cliente que operan 14 horas diarias.

• Tiempo promedio de respuesta de llamadas: 2.3 minutos
• Tasa de satisfacción del cliente: 89%
• Idiomas de apoyo: inglés y español

Plataformas de servicios financieros de terceros

Cadence Bank se integra con 6 plataformas de servicio financiero de terceros principales.

Plataforma	Tipo de integración
Tartán	Agregación de cuentas
Raya	Procesamiento de pagos
Fiserv	Soluciones bancarias centrales
Jack Henry	Servicios de banca digital
Visa	Servicios de red de tarjetas
tarjeta MasterCard	Servicios de red de tarjetas

Cadence Bank (CADE) - Modelo de negocio: segmentos de clientes

Empresas pequeñas y medianas

A partir del cuarto trimestre de 2023, Cadence Bank atiende a aproximadamente 12,500 empresas pequeñas y medianas (PYME) a ​​través de su huella operativa.

Métricas de segmento de PYME	Valor
Cartera total de préstamos de PYME	$ 1.87 mil millones
Tamaño promedio del préstamo de PYME	$375,000
Sectores de la industria atendidos	Salud, venta minorista, fabricación, servicios profesionales

Clientes de banca minorista individual

Cadence Bank mantiene una base de clientes de 354,000 clientes de banca minorista individual en sus mercados regionales.

• Cuentas corrientes personales: 215,000
• Cuentas de ahorro personal: 187,000
• Portafolio de préstamos personales: $ 742 millones

Clientes comerciales y corporativos

El banco atiende a 2.350 clientes comerciales y corporativos con soluciones financieras integrales.

Segmento de banca corporativa	Métrica
Cartera total de préstamos comerciales	$ 5.6 mil millones
Ingresos promedio de clientes corporativos	$ 50 millones a $ 500 millones

Gobierno local y entidades municipales

Cadence Bank apoya a 87 clientes locales y municipales en sus regiones operativas.

• Portafolio de bonos municipales: $ 423 millones
• Servicios bancarios gubernamentales: gestión de efectivo, servicios de inversión
• Activos de cliente municipal total bajo administración: $ 612 millones

Organizaciones sin fines de lucro

El banco ofrece servicios bancarios especializados a 215 organizaciones sin fines de lucro.

Servicios bancarios sin fines de lucro	Detalles
Depósitos totales sin fines de lucro	$ 287 millones
Tamaño promedio del cliente sin fines de lucro	Presupuesto anual de $ 1.3 millones

Cadence Bank (CADE) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del cuarto trimestre de 2023, Cadence Bank operaba 90 sucursales en múltiples estados. Los gastos de operación anual de la sucursal totalizaron $ 78.3 millones, que incluyen:

Categoría de gastos	Costo anual
Alquiler e instalaciones	$ 32.5 millones
Utilidades	$ 6.2 millones
Mantenimiento	$ 4.7 millones

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2023 fueron de $ 45.6 millones, desglosados ​​de la siguiente manera:

• Mantenimiento de sistemas de TI: $ 22.1 millones
• Infraestructura de ciberseguridad: $ 12.3 millones
• Plataformas de banca digital: $ 11.2 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 alcanzaron $ 187.4 millones:

Categoría de compensación	Costo anual
Salarios base	$ 132.6 millones
Beneficios para la salud	$ 28.3 millones
Contribuciones de jubilación	$ 26.5 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 totalizaron $ 36.8 millones, incluido:

• Informes legales y regulatorios: $ 18.2 millones
• Auditoría y gestión de riesgos: $ 12.6 millones
• Capacitación de cumplimiento: $ 6 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 22.5 millones, asignado en varios canales:

Canal de marketing	Gastos
Marketing digital	$ 9.7 millones
Medios tradicionales	$ 6.3 millones
Programas de adquisición de clientes	$ 6.5 millones

Cadence Bank (CADE) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

Para el año fiscal 2023, Cadence Bank reportó ingresos por intereses netos de $ 692.4 millones. El desglose de la cartera de préstamos del banco incluye:

Categoría de préstamo	Monto total ($ M)
Inmobiliario comercial	$8,456
Comercial & Préstamos industriales	$5,234
Préstamos al consumo	$3,782
Préstamos hipotecarios residenciales	$4,621

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 187.6 millones, con las siguientes fuentes clave:

• Tarifas de mantenimiento de la cuenta: $ 42.3 millones
• Tarifas de sobregiro: $ 36.5 millones
• Tarifas de transacción de cajeros automáticos: $ 24.8 millones
• Tasas de transferencia de cables: $ 18.9 millones

Servicios de inversión y gestión de patrimonio

Los servicios de inversión de Cadence Bank generaron $ 76.2 millones en ingresos para 2023, con el siguiente desglose del segmento:

Categoría de servicio	Ingresos ($ M)
Gestión de activos	$45.6
Aviso financiero	$21.3
Planificación de jubilación	$9.3

Tarifas de procesamiento de transacciones

Los ingresos por procesamiento de transacciones para 2023 fueron de $ 53.4 millones, que incluyen:

• Tarifas de transacción de tarjeta de crédito: $ 28.7 millones
• Procesamiento de la tarjeta de débito: $ 16.9 millones
• Servicios de pago electrónico: $ 7.8 millones

Servicios de gestión del tesoro y efectivo

Los servicios del Tesoro generaron $ 62.8 millones en ingresos para 2023, con los siguientes segmentos:

Categoría de servicio	Ingresos ($ M)
Gestión de efectivo corporativo	$38.5
Servicios de liquidez	$15.3
Servicios del Tesoro Internacional	$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.