Cadence Bank (CADE): Business Model Canvas [Jan-2025 Mise à jour]

Plongez dans le plan stratégique de Cadence Bank (CADE), une institution financière dynamique qui mélange de manière transparente les prouesses bancaires traditionnelles à l'innovation numérique de pointe. Cette toile complète du modèle commercial révèle comment Cade navigue stratégiquement dans le paysage financier complexe, offrant des solutions personnalisées qui s'adressent à divers segments de clients à travers le sud-est des États-Unis. De sa solide infrastructure numérique à une approche axée sur les relations, Cadence Bank démontre un modèle sophistiqué qui équilibre l'avancement technologique, les services centrés sur le client et l'expertise du marché régional, se positionnant comme un acteur formidable dans l'écosystème bancaire compétitif.

Cadence Bank (CADE) - Modèle d'entreprise: partenariats clés

Réseaux bancaires régionaux et fournisseurs de services financiers

Cadence Bank maintient des partenariats stratégiques avec les réseaux financiers régionaux, en se concentrant sur le sud-est des États-Unis. Au quatrième trimestre 2023, la banque opère dans 5 États avec 122 succursales à service complet.

Type de partenaire	Nombre de partenariats	Couverture géographique
Réseaux bancaires régionaux	8	Alabama, Floride, Géorgie, Mississippi, Tennessee
Fournisseurs de services financiers	12	Sud-est des États-Unis

Associations commerciales locales et chambres de commerce

Cadence Bank collabore activement avec des organisations commerciales locales pour soutenir le développement économique régional.

• Adhésions actives dans 42 chambres de commerce locales
• Partenariats avec 27 centres de développement des petites entreprises
• Réseau total de l'association d'entreprise couvrant 5 États

Vendeurs technologiques pour les plateformes bancaires numériques

Partenaire technologique	Service fourni	Année de mise en œuvre
FIS Global	Logiciel bancaire de base	2022
Finerv	Solutions bancaires numériques	2023
Jack Henry & Associés	Traitement des paiements	2021

Fournisseurs de produits d'assurance et d'investissement

Cadence Bank s'associe à plusieurs sociétés d'assurance et d'investissement pour offrir des services financiers complets.

• 6 partenaires d'assurance primaire
• 4 fournisseurs de produits d'investissement
• Portfolio total d'investissement et d'assurance: 22 offres distinctes

Organisations de soutien aux petites à moyennes entreprises (PME)

Type d'organisation	Nombre de partenariats	Soutenir la mise au point
Agences de développement économique	15	Support de croissance des entreprises
Réseaux d'administration des petites entreprises (SBA)	8	Programmes de garantie de prêt
Incubateurs de startups locales	6	Développement entrepreneurial

Cadence Bank (CADE) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Cadence Bank a déclaré un actif total de 41,4 milliards de dollars. La banque exploite 451 succursales dans 7 États, avec une présence significative au Texas, en Alabama et au Mississippi.

Catégorie de service bancaire	Revenu total (2023)	Nombre de clients
Banque commerciale	652 millions de dollars	12 387 clients commerciaux
Banque de détail	413 millions de dollars	287 000 clients individuels

Origination du prêt et souscription du crédit

En 2023, Cadence Bank a traité les origines des prêts totalisant 8,9 milliards de dollars, avec la ventilation suivante:

• Prêts immobiliers commerciaux: 3,6 milliards de dollars
• Commercial & Prêts industriels: 2,7 milliards de dollars
• Prêts hypothécaires résidentiels: 1,8 milliard de dollars
• Prêts à la consommation: 800 millions de dollars

Développement de la plate-forme bancaire numérique

Les investissements en banque numérique pour 2023 ont atteint 47,3 millions de dollars, avec des mesures clés, notamment:

Métrique de la plate-forme numérique	Performance de 2023
Utilisateurs de la banque mobile	214,000
Transactions bancaires en ligne	42,6 millions
Ouvertures de compte numérique	63,500

Gestion des risques et surveillance de la conformité

Cadence Bank a alloué 36,2 millions de dollars aux infrastructures de risque et de conformité en 2023, maintenant un ratio de prêt non performant de 0,62%.

Gestion de la relation client

Le taux de rétention de la clientèle en 2023 était de 87,4%, avec une valeur de relation client moyenne de 24 700 $ par client.

Métrique CRM	Performance de 2023
Score de satisfaction du client	4.3/5
Score de promoteur net	68
Volume d'interaction du service client	1,2 million

Cadence Bank (CADE) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Depuis le quatrième trimestre 2023, Cadence Bank exploite 139 succursales dans le sud-est des États-Unis, en particulier dans des États comme l'Alabama, la Floride, la Géorgie, le Mississippi et le Tennessee.

État	Nombre de branches
Alabama	37
Georgia	52
Floride	26
Mississippi	15
Tennessee	9

Infrastructure bancaire numérique

Prise en charge de la plate-forme numérique de Cadence Bank:

• Application bancaire mobile avec plus de 250 000 utilisateurs actifs
• Plateforme bancaire en ligne avec capacités de transaction en temps réel
• Processus d'ouverture du compte numérique

Équipe de gestion financière

Composition du leadership à partir de 2024:

Position	Années d'expérience
PDG	25 ans et plus
Directeur financier	20 ans et plus
Cro	18 ans et plus

Systèmes de technologie et de cybersécurité

Investissement technologique annuel: 42,5 millions de dollars

• Infrastructure de cybersécurité de qualité entreprise
• Systèmes d'authentification multi-facteurs
• Mécanismes avancés de détection des menaces

Portefeuille de produits financiers

Catégorie de produits	Nombre de produits
Banque personnelle	17
Banque d'affaires	22
Prêts commerciaux	12
Gestion de la richesse	8

Cadence Bank (CADE) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, Cadence Bank fournit des solutions bancaires sur mesure avec un actif total de 16,4 milliards de dollars et des dépôts totaux de 13,8 milliards de dollars. La banque dessert environ 330 000 clients sur plusieurs segments de marché.

Segment de clientèle	Total des clients	Valeur moyenne du compte
Petite entreprise	87,500	$425,000
Clients commerciaux	42,000	2,3 millions de dollars
Banque personnelle	200,500	$87,500

Services financiers complets sur plusieurs secteurs

Cadence Bank propose des services dans les secteurs clés avec des produits financiers spécialisés.

• Localisation commerciale: 6,2 milliards de dollars de portefeuille de prêts totaux
• Banque des petites entreprises: 1,7 milliard de dollars en prêts en petites entreprises en cours
• Gestion de la patrimoine: 3,9 milliards de dollars d'actifs sous gestion
• Services de gestion du Trésor: soutenir 22 000 clients commerciaux

Expertise du marché local et approche axée sur les relations

Opérant principalement au Texas, en Alabama, au Mississippi, en Floride et en Géorgie avec 130 succursales, Cadence Bank maintient une forte présence régionale.

État	Nombre de branches	Part de marché
Texas	48	5.2%
Alabama	35	7.8%
Mississippi	22	12.5%

Taux d'intérêt concurrentiels et produits bancaires flexibles

Taux d'intérêt et offres de produits en janvier 2024:

• Vérification des entreprises: 0,25% - 0,75% APY
• Comptes d'épargne personnels: 1,50% - 3,25% apy
• Taux de prêt commercial: 6,75% - 9,50%
• Taux de prêt aux petites entreprises: 5,25% - 8,25%

Expériences bancaires numériques et traditionnelles intégrées

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 215 000
• Transactions bancaires en ligne: 47,3 millions par an
• Taux d'ouverture du compte numérique: 62% des nouveaux comptes
• Score de satisfaction bancaire numérique: 4.3 / 5

Cadence Bank (CADE) - Modèle d'entreprise: relations avec les clients

Modèle bancaire basé sur les relations

Au quatrième trimestre 2023, Cadence Bank a déclaré 416 emplacements bancaires à service complet dans 6 États. Base de clientèle totale: 272 000 commerces et 35 400 clients bancaires commerciaux.

Segment de clientèle	Nombre de clients	Valeur de relation moyenne
Banque de détail	272,000	18 750 $ par client
Banque commerciale	35,400	487 000 $ par client

Gestionnaires de relations dédiés pour les clients commerciaux

Cadence Bank fournit 1 gestionnaire de relations dédié par 12 à 15 clients commerciaux. Valeur du portefeuille moyen par gestionnaire de relations: 68,3 millions de dollars.

Support client multicanal

• Canaux bancaires numériques: 218 000 utilisateurs de banque en ligne active
• Utilisateurs de la banque mobile: 165 000 utilisateurs mensuels d'applications mobiles actifs
• Support du centre d'appels: taux de résolution de 92%
• Temps de réponse de la transaction numérique moyenne: 47 secondes

Services de conseil financier personnalisés

Type de service consultatif	Nombre de clients servis	Revenu annuel moyen par service
Gestion de la richesse	17,600	3 750 $ par client
Planification financière des entreprises	8,900	6 200 $ par client

Stratégies d'engagement axées sur la communauté

Investissement communautaire en 2023: 4,2 millions de dollars sur les marchés locaux. Participation des événements communautaires: 87 événements locaux, atteignant environ 42 000 membres de la communauté.

Catégorie d'engagement	Montant d'investissement	Portée de la communauté
Parrainages locaux	1,6 million de dollars	28 000 personnes
Programmes éducatifs	1,3 million de dollars	9 500 étudiants
Développement économique	1,3 million de dollars	4 500 entreprises locales

Cadence Bank (CADE) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Cadence Bank exploite 98 succursales physiques à travers l'Alabama, la Floride, la Géorgie, le Mississippi, le Tennessee et le Texas.

État	Nombre de branches
Alabama	22
Georgia	36
Floride	15
Mississippi	8
Tennessee	7
Texas	10

Plateforme bancaire en ligne

La plate-forme bancaire en ligne de Cadence Bank dessert environ 185 000 utilisateurs numériques actifs au quatrième trimestre 2023.

• Caractéristiques de plate-forme 256 bits
• Prend en charge la gestion des comptes en temps réel
• Services de paiement de factures intégrées
• Suivi de l'historique des transactions

Application bancaire mobile

L'application bancaire mobile a été téléchargée 78 500 fois avec une cote de 4,2 / 5 sur les magasins d'applications.

Plate-forme	Télécharger le nombre
IOS App Store	42,300
Google Play Store	36,200

Assistance du centre d'appels

Cadence Bank maintient un centre d'appels avec 87 représentants du service client opérant 14 heures par jour.

• Temps de réponse moyen de l'appel: 2,3 minutes
• Taux de satisfaction client: 89%
• Langues de soutien: anglais et espagnol

Plateformes de services financiers tiers

Cadence Bank s'intègre à 6 principales plateformes de services financiers tiers.

Plate-forme	Type d'intégration
Plaid	Agrégation de compte
Bande	Traitement des paiements
Finerv	Solutions bancaires de base
Jack Henry	Services bancaires numériques
Visa	Services de réseau de cartes
MasterCard	Services de réseau de cartes

Cadence Bank (CADE) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Au quatrième trimestre 2023, Cadence Bank dessert environ 12 500 petites et moyennes entreprises (PME) à travers son empreinte opérationnelle.

Métriques du segment des PME	Valeur
Portefeuille total de prêts PME	1,87 milliard de dollars
Taille moyenne du prêt PME	$375,000
Les secteurs de l'industrie ont servi	Santé, vente au détail, fabrication, services professionnels

Clients bancaires de détail individuels

Cadence Bank maintient une clientèle de 354 000 clients de banque de détail individuels sur ses marchés régionaux.

• Comptes de chèques personnels: 215 000
• Comptes d'épargne personnelles: 187 000
• Portefeuille de prêts personnels: 742 millions de dollars

Clients commerciaux et d'entreprise

La banque dessert 2 350 clients commerciaux et d'entreprises avec des solutions financières complètes.

Segment des services bancaires d'entreprise	Métrique
Portefeuille total de prêts commerciaux	5,6 milliards de dollars
Revenus moyens des clients de l'entreprise	50 millions à 500 millions de dollars

Gouvernement local et entités municipales

Cadence Bank soutient 87 clients locaux et clients municipaux dans ses régions opérationnelles.

• Portefeuille d'obligations municipales: 423 millions de dollars
• Services bancaires du gouvernement: gestion de la trésorerie, services d'investissement
• Actifs des clients municipaux totaux sous gestion: 612 millions de dollars

Organisations à but non lucratif

La banque fournit des services bancaires spécialisés à 215 organisations à but non lucratif.

Services bancaires à but non lucratif	Détails
Dépôts totaux à but non lucratif	287 millions de dollars
Taille moyenne des clients à but non lucratif	Budget annuel de 1,3 million de dollars

Cadence Bank (CADE) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Au quatrième trimestre 2023, Cadence Bank a exploité 90 succursales dans plusieurs États. Les dépenses annuelles de l'opération de succursale ont totalisé 78,3 millions de dollars, notamment:

Catégorie de dépenses	Coût annuel
Loyer et installations	32,5 millions de dollars
Services publics	6,2 millions de dollars
Entretien	4,7 millions de dollars

Maintenance de technologie et d'infrastructure

Les coûts d'infrastructure technologique pour 2023 étaient de 45,6 millions de dollars, ventilés comme suit:

• Maintenance des systèmes informatiques: 22,1 millions de dollars
• Infrastructure de cybersécurité: 12,3 millions de dollars
• Plateformes bancaires numériques: 11,2 millions de dollars

Salaires et avantages sociaux des employés

Le total des dépenses de personnel pour 2023 a atteint 187,4 millions de dollars:

Catégorie de compensation	Coût annuel
Salaires de base	132,6 millions de dollars
Avantages pour la santé	28,3 millions de dollars
Contributions à la retraite	26,5 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 ont totalisé 36,8 millions de dollars, y compris:

• Représentation juridique et réglementaire: 18,2 millions de dollars
• Audit et gestion des risques: 12,6 millions de dollars
• Formation en conformité: 6 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 22,5 millions de dollars, allouées sur divers canaux:

Canal de marketing	Frais
Marketing numérique	9,7 millions de dollars
Médias traditionnels	6,3 millions de dollars
Programmes d'acquisition de clients	6,5 millions de dollars

Cadence Bank (CADE) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Pour l'exercice 2023, Cadence Bank a déclaré un revenu net d'intérêts de 692,4 millions de dollars. La ventilation du portefeuille de prêts de la banque comprend:

Catégorie de prêt	Montant total ($ m)
Immobilier commercial	$8,456
Commercial & Prêts industriels	$5,234
Prêts à la consommation	$3,782
Prêts hypothécaires résidentiels	$4,621

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 187,6 millions de dollars, les principales sources suivantes:

• Frais de maintenance du compte: 42,3 millions de dollars
• Frais de découvert: 36,5 millions de dollars
• Frais de transaction ATM: 24,8 millions de dollars
• Frais de transfert de fil: 18,9 millions de dollars

Services d'investissement et de gestion de la patrimoine

Les services d'investissement de Cadence Bank ont ​​généré 76,2 millions de dollars de revenus pour 2023, avec la ventilation du segment suivante:

Catégorie de service	Revenus ($ m)
Gestion des actifs	$45.6
Avis financier	$21.3
Planification de la retraite	$9.3

Frais de traitement des transactions

Les revenus de traitement des transactions pour 2023 étaient de 53,4 millions de dollars, notamment:

• Frais de transaction de carte de crédit: 28,7 millions de dollars
• Traitement des cartes de débit: 16,9 millions de dollars
• Services de paiement électronique: 7,8 millions de dollars

Services de gestion du Trésor et de la trésorerie

Les services du Trésor ont généré 62,8 millions de dollars de revenus pour 2023, avec les segments suivants:

Catégorie de service	Revenus ($ m)
Gestion des espèces d'entreprises	$38.5
Services de liquidité	$15.3
Services de trésorerie internationaux	$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.