🏦Bank Scorer

This institution is no longer active

Operations ceased on February 1, 2026. CRA examination history below reflects the period it was active.

CADENCE BANK

TUPELO, MS · Supervised by FDIC

Est. 1876FDIC #11,813RSSD: FDIC-11813
Outstanding Up

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

201 S Spring St, TUPELO, MS

County

Lee County

Established

March 1, 1876

Total Assets

$53.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$53.5B

Total Deposits

$44.1B

Net Loans

$37.0B

Net Income

$544M

ROA

1.08%

ROE

9.17%

Risk-Based Capital

13.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate18.22%Peer avg: 26.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

371

Branch Deposits

$40.5B

1-Year Change

+8

5-year net change: +55 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419,15066.96%18.22%
202318,06066.53%17.70%
202223,00868.89%14.54%
202128,81672.33%12.21%
20203,82963.54%19.87%
20194,17366.59%19.48%
20183,80065.87%16.21%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

12 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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