Cadence Bank (CADE): modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no projeto estratégico do Cadence Bank (CADE), uma instituição financeira dinâmica que combina perfeitamente com a proezas bancárias tradicionais com a inovação digital de ponta. Esse modelo abrangente de negócios revela como Cade navega estrategicamente no cenário financeiro complexo, oferecendo soluções personalizadas que atendem a diversos segmentos de clientes no sudeste dos Estados Unidos. Desde sua infraestrutura digital robusta até a abordagem orientada por relacionamento, o Cadence Bank demonstra um modelo sofisticado que equilibra o avanço tecnológico, os serviços centrados no cliente e a experiência regional do mercado, se posicionando como um participante formidável no ecossistema bancário competitivo.

Cadence Bank (Cade) - Modelo de Negócios: Principais Parcerias

Redes bancárias regionais e provedores de serviços financeiros

O Cadence Bank mantém parcerias estratégicas com redes financeiras regionais, com foco no sudeste dos Estados Unidos. A partir do quarto trimestre 2023, o banco opera em 5 estados com 122 agências de serviço completo.

Tipo de parceiro	Número de parcerias	Cobertura geográfica
Redes bancárias regionais	8	Alabama, Flórida, Geórgia, Mississippi, Tennessee
Provedores de serviços financeiros	12	Sudeste dos Estados Unidos

Associações comerciais locais e câmaras de comércio

O Cadence Bank colabora ativamente com organizações empresariais locais para apoiar o desenvolvimento econômico regional.

• Associações ativas em 42 câmaras de comércio locais
• Parcerias com 27 centros de desenvolvimento de pequenas empresas
• Rede total de associações comerciais cobrindo 5 estados

Fornecedores de tecnologia para plataformas bancárias digitais

Parceiro de tecnologia	Serviço prestado	Ano de implementação
FIS Global	Software bancário principal	2022
Fiserv	Soluções bancárias digitais	2023
Jack Henry & Associados	Processamento de pagamento	2021

Provedores de produtos de seguro e investimento

A Cadence Bank faz parceria com várias empresas de seguros e investimentos para oferecer serviços financeiros abrangentes.

• 6 parceiros de seguro primário
• 4 provedores de produtos de investimento
• Portfólio total de produtos de investimento e seguro: 22 ofertas distintas

Organizações de suporte para pequenas e médias empresas (PME)

Tipo de organização	Número de parcerias	Foco de suporte
Agências de desenvolvimento econômico	15	Suporte ao crescimento dos negócios
Redes de Administração de Pequenas Empresas (SBA)	8	Programas de garantia de empréstimo
Incubadores de startups locais	6	Desenvolvimento empreendedor

Cadence Bank (Cade) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, o Cadence Bank registrou ativos totais de US $ 41,4 bilhões. O banco opera 451 agências em 7 estados, com uma presença significativa no Texas, Alabama e Mississippi.

Categoria de serviço bancário	Receita total (2023)	Número de clientes
Bancos comerciais	US $ 652 milhões	12.387 clientes comerciais
Banco de varejo	US $ 413 milhões	287.000 clientes individuais

Originação de empréstimos e subscrição de crédito

Em 2023, o Cadence Bank processou as origens do empréstimo, totalizando US $ 8,9 bilhões, com a seguinte quebra:

• Empréstimos imobiliários comerciais: US $ 3,6 bilhões
• Comercial & Empréstimos industriais: US $ 2,7 bilhões
• Empréstimos hipotecários residenciais: US $ 1,8 bilhão
• Empréstimos ao consumidor: US $ 800 milhões

Desenvolvimento da plataforma bancária digital

Os investimentos em bancos digitais para 2023 atingiram US $ 47,3 milhões, com as principais métricas, incluindo:

Métrica da plataforma digital	2023 desempenho
Usuários bancários móveis	214,000
Transações bancárias online	42,6 milhões
Aberturas de contas digitais	63,500

Gerenciamento de riscos e monitoramento de conformidade

O Cadence Bank alocou US $ 36,2 milhões à infraestrutura de risco e conformidade em 2023, mantendo uma taxa de empréstimo sem desempenho de 0,62%.

Gerenciamento de relacionamento com o cliente

A taxa de retenção de clientes em 2023 foi de 87,4%, com um valor médio de relacionamento com o cliente de US $ 24.700 por cliente.

Métrica de CRM	2023 desempenho
Pontuação de satisfação do cliente	4.3/5
Pontuação do promotor líquido	68
Volume de interação do atendimento ao cliente	1,2 milhão

Cadence Bank (Cade) - Modelo de Negócios: Recursos -Principais

Extensa rede de filiais

No quarto trimestre 2023, o Cadence Bank opera 139 agências no sudeste dos Estados Unidos, especificamente em estados, incluindo Alabama, Flórida, Geórgia, Mississippi e Tennessee.

Estado	Número de ramificações
Alabama	37
Georgia	52
Flórida	26
Mississippi	15
Tennessee	9

Infraestrutura bancária digital

A plataforma digital do Cadence Bank suporta:

• Aplicativo bancário móvel com mais de 250.000 usuários ativos
• Plataforma bancária online com recursos de transação em tempo real
• Processo de abertura da conta digital

Equipe de gestão financeira

Composição de liderança em 2024:

Posição	Anos de experiência
CEO	Mais de 25 anos
Diretor Financeiro	Mais de 20 anos
Cro	Mais de 18 anos

Sistemas de tecnologia e segurança cibernética

Investimento de tecnologia anual: US $ 42,5 milhões

• Infraestrutura de segurança cibernética de nível corporativo
• Sistemas de autenticação multifatores
• Mecanismos avançados de detecção de ameaças

Portfólio de produtos financeiros

Categoria de produto	Número de produtos
Bancos pessoais	17
Banking de negócios	22
Empréstimos comerciais	12
Gestão de patrimônio	8

Cadence Bank (Cade) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas e indivíduos

No quarto trimestre 2023, o Cadence Bank fornece soluções bancárias personalizadas com ativos totais de US $ 16,4 bilhões e depósitos totais de US $ 13,8 bilhões. O banco atende a aproximadamente 330.000 clientes em vários segmentos de mercado.

Segmento de clientes	Total de clientes	Valor médio da conta
Pequenas empresas	87,500	$425,000
Clientes comerciais	42,000	US $ 2,3 milhões
Bancos pessoais	200,500	$87,500

Serviços financeiros abrangentes em vários setores

O Cadence Bank oferece serviços em setores -chave com produtos financeiros especializados.

• Empréstimos comerciais: US $ 6,2 bilhões em carteira de empréstimos totais
• Bancos de pequenas empresas: US $ 1,7 bilhão em empréstimos pendentes de pequenas empresas
• Gerenciamento de patrimônio: US $ 3,9 bilhões em ativos sob gestão
• Serviços de Gerenciamento do Tesouro: Apoiando 22.000 clientes comerciais

Experiência no mercado local e abordagem orientada por relacionamento

Operando principalmente no Texas, Alabama, Mississippi, Flórida e Geórgia, com 130 filiais, o Cadence Bank mantém uma forte presença regional.

Estado	Número de ramificações	Quota de mercado
Texas	48	5.2%
Alabama	35	7.8%
Mississippi	22	12.5%

Taxas de juros competitivas e produtos bancários flexíveis

Taxas de juros e ofertas de produtos em janeiro de 2024:

• Verificação de negócios: 0,25% - 0,75% APY
• Contas de poupança pessoal: 1,50% - 3,25% APY
• Taxas de empréstimos comerciais: 6,75% - 9,50%
• Taxas de empréstimos para pequenas empresas: 5,25% - 8,25%

Experiências bancárias digitais e tradicionais integradas

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 215.000
• Transações bancárias online: 47,3 milhões anualmente
• Taxa de abertura da conta digital: 62% das novas contas
• Pontuação de satisfação bancária digital: 4,3/5

Cadence Bank (Cade) - Modelo de Negócios: Relacionamentos do Cliente

Modelo bancário baseado em relacionamento

A partir do quarto trimestre 2023, o Cadence Bank reportou 416 locais bancários de serviço completo em 6 estados. Base total de clientes: 272.000 varejo e 35.400 clientes bancários comerciais.

Segmento de clientes	Número de clientes	Valor médio do relacionamento
Banco de varejo	272,000	US $ 18.750 por cliente
Bancos comerciais	35,400	US $ 487.000 por cliente

Gerentes de relacionamento dedicados para clientes de negócios

Cadence Bank fornece 1 Gerente de relacionamento dedicado por cada 12 a 15 clientes comerciais. Valor médio do portfólio por gerente de relacionamento: US $ 68,3 milhões.

Suporte ao cliente multicanal

• Canais bancários digitais: 218.000 usuários bancários online ativos
• Usuários bancários móveis: 165.000 usuários mensais de aplicativos móveis ativos
• Suporte de call center: 92% Taxa de resolução de primeiro contato
• Tempo médio de resposta da transação digital: 47 segundos

Serviços de Consultoria Financeira Personalizada

Tipo de serviço de consultoria	Número de clientes atendidos	Receita média anual por serviço
Gestão de patrimônio	17,600	US $ 3.750 por cliente
Planejamento financeiro de negócios	8,900	US $ 6.200 por cliente

Estratégias de engajamento focadas na comunidade

Investimento comunitário em 2023: US $ 4,2 milhões nos mercados locais. Participação do evento da comunidade: 87 eventos locais, atingindo aproximadamente 42.000 membros da comunidade.

Categoria de engajamento	Valor do investimento	Alcance da comunidade
Patrocínios locais	US $ 1,6 milhão	28.000 indivíduos
Programas educacionais	US $ 1,3 milhão	9.500 alunos
Desenvolvimento econômico	US $ 1,3 milhão	4.500 empresas locais

Cadence Bank (Cade) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, o Cadence Bank opera 98 agências físicas em Alabama, Flórida, Geórgia, Mississippi, Tennessee e Texas.

Estado	Número de ramificações
Alabama	22
Georgia	36
Flórida	15
Mississippi	8
Tennessee	7
Texas	10

Plataforma bancária online

A plataforma bancária on -line do Cadence Bank serve aproximadamente 185.000 usuários digitais ativos a partir do quarto trimestre 2023.

• A plataforma possui criptografia de 256 bits
• Suporta gerenciamento de contas em tempo real
• Serviços de pagamento de contas integradas
• Rastreamento do histórico de transações

Aplicativo bancário móvel

O aplicativo Banking Mobile foi baixado 78.500 vezes com uma classificação de 4,2/5 em lojas de aplicativos.

Plataforma	Baixar contagem
IOS App Store	42,300
Google Play Store	36,200

Suporte de call center

O Cadence Bank mantém um call center com 87 representantes de atendimento ao cliente operando 14 horas por dia.

• Tempo médio de resposta de chamada: 2,3 minutos
• Taxa de satisfação do cliente: 89%
• Línguas de suporte: inglês e espanhol

Plataformas de serviço financeiro de terceiros

O Cadence Bank se integra a 6 principais plataformas de serviços financeiros de terceiros.

Plataforma	Tipo de integração
Xadrez	Agregação de conta
Listra	Processamento de pagamento
Fiserv	Soluções bancárias principais
Jack Henry	Serviços bancários digitais
Visa	Serviços de rede de cartões
MasterCard	Serviços de rede de cartões

Cadence Bank (Cade) - Modelo de Negócios: Segmentos de Clientes

Pequenas e médias empresas

A partir do quarto trimestre 2023, o Cadence Bank atende a aproximadamente 12.500 pequenas e médias empresas (PME) em sua pegada operacional.

Métricas de segmento de PME	Valor
Portfólio de empréstimos para PME total	US $ 1,87 bilhão
Tamanho médio de empréstimo para PME	$375,000
Setores da indústria serviram	Saúde, varejo, fabricação, serviços profissionais

Clientes bancários de varejo individuais

O Cadence Bank mantém uma base de clientes de 354.000 clientes de banco de varejo individuais em seus mercados regionais.

• Contas de corrente pessoal: 215.000
• Contas de poupança pessoal: 187.000
• Portfólio de empréstimos pessoais: US $ 742 milhões

Clientes comerciais e corporativos

O banco atende 2.350 clientes comerciais e corporativos com soluções financeiras abrangentes.

Segmento bancário corporativo	Métricas
Carteira total de empréstimos comerciais	US $ 5,6 bilhões
Receita média de clientes corporativos	US $ 50 milhões a US $ 500 milhões

Governo local e entidades municipais

O Cadence Bank suporta 87 clientes do governo local e municipais em suas regiões operacionais.

• Portfólio de títulos municipais: US $ 423 milhões
• Serviços bancários do governo: gerenciamento de caixa, serviços de investimento
• Total de ativos municipais de clientes sob gerenciamento: US $ 612 milhões

Organizações sem fins lucrativos

O banco fornece serviços bancários especializados para 215 organizações sem fins lucrativos.

Serviços bancários sem fins lucrativos	Detalhes
Total de depósitos sem fins lucrativos	US $ 287 milhões
Tamanho médio do cliente sem fins lucrativos	Orçamento anual de US $ 1,3 milhão

Cadence Bank (Cade) - Modelo de Negócios: Estrutura de Custo

Despesas de operação de ramificação

A partir do quarto trimestre 2023, o Cadence Bank operava 90 agências em vários estados. As despesas anuais de operação da filial totalizaram US $ 78,3 milhões, incluindo:

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 32,5 milhões
Utilitários	US $ 6,2 milhões
Manutenção	US $ 4,7 milhões

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para 2023 foram de US $ 45,6 milhões, divididos da seguinte forma:

• Manutenção de sistemas de TI: US $ 22,1 milhões
• Infraestrutura de segurança cibernética: US $ 12,3 milhões
• Plataformas bancárias digitais: US $ 11,2 milhões

Salários e benefícios dos funcionários

O total de despesas de pessoal para 2023 atingiu US $ 187,4 milhões:

Categoria de compensação	Custo anual
Salários da base	US $ 132,6 milhões
Benefícios à saúde	US $ 28,3 milhões
Contribuições de aposentadoria	US $ 26,5 milhões

Custos de conformidade regulatória

As despesas de conformidade para 2023 totalizaram US $ 36,8 milhões, incluindo:

• Relatórios legais e regulatórios: US $ 18,2 milhões
• Auditoria e gerenciamento de riscos: US $ 12,6 milhões
• Treinamento de conformidade: US $ 6 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 22,5 milhões, alocadas em vários canais:

Canal de marketing	Despesa
Marketing digital	US $ 9,7 milhões
Mídia tradicional	US $ 6,3 milhões
Programas de aquisição de clientes	US $ 6,5 milhões

Cadence Bank (CADE) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

Para o ano fiscal de 2023, o Cadence Bank registrou receita de juros líquidos de US $ 692,4 milhões. A quebra da carteira de empréstimos do banco inclui:

Categoria de empréstimo	Valor total ($ m)
Imóveis comerciais	$8,456
Comercial & Empréstimos industriais	$5,234
Empréstimos ao consumidor	$3,782
Empréstimos hipotecários residenciais	$4,621

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 187,6 milhões, com as seguintes fontes -chave:

• Taxas de manutenção de conta: US $ 42,3 milhões
• Taxas de cheque especial: US $ 36,5 milhões
• Taxas de transação ATM: US $ 24,8 milhões
• Taxas de transferência de fio: US $ 18,9 milhões

Serviços de investimento e gerenciamento de patrimônio

Os serviços de investimento do Cadence Bank geraram US $ 76,2 milhões em receita para 2023, com a seguinte quebra do segmento:

Categoria de serviço	Receita ($ m)
Gestão de ativos	$45.6
Aviso financeiro	$21.3
Planejamento de aposentadoria	$9.3

Taxas de processamento de transações

A receita de processamento de transações para 2023 foi de US $ 53,4 milhões, incluindo:

• Taxas de transação do cartão de crédito: US $ 28,7 milhões
• Processamento de cartão de débito: US $ 16,9 milhões
• Serviços de pagamento eletrônico: US $ 7,8 milhões

Serviços de gerenciamento de tesouraria e caixa

Os serviços do Tesouro geraram US $ 62,8 milhões em receita para 2023, com os seguintes segmentos:

Categoria de serviço	Receita ($ m)
Gerenciamento de caixa corporativo	$38.5
Serviços de liquidez	$15.3
Serviços de Tesouro 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.