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Cadence Bank

Total Branches in Florida: 18

Cadence Bank is a significant financial presence in Florida. The bank maintains **18** branches across the state, with a total of **$1,911,345,000** in deposits as of the latest FDIC Summary of Deposits survey. This translates to approximately **$81.93** in deposits per Florida resident and a bank density of about **0.08** branches per 100,000 people. Additionally, with total assets of **$47,984,078,000**, the bank has approximately **$2,056.75** in assets per Florida resident.

CRA Ratings and Compliance

The Community Reinvestment Act (CRA) rating reflects the bank's record of meeting the credit needs of its community, including low- and moderate-income areas. The ratings are: **Outstanding**, **Satisfactory**, **Needs to Improve**, and **Substantial Noncompliance**.

Last CRA Rating (Overall)

Rating: Outstanding

Date: Aug 01, 2023

Exam Method: Large Bank Exam (e.g., Large Bank Exam applies to institutions above a certain asset threshold)

Assets at Exam: $47,753,105,000

CRA Trend (History)

**08/01/2023:** Outstanding

**03/01/2020:** Satisfactory

**01/01/2018:** Satisfactory

**11/01/2016:** Needs to Improve

**06/01/2014:** Satisfactory

**01/01/2011:** Satisfactory

**08/01/2007:** Satisfactory

**11/01/2002:** Satisfactory

**07/01/2000:** Satisfactory

**05/01/1998:** Satisfactory

**12/01/1995:** Outstanding

**07/01/1993:** Satisfactory

**10/01/1991:** Satisfactory

Institutional Overview

Registration & History

RSSD ID: 606046

Primary Federal Regulator: Federal Reserve System

FRS Member: Yes

Existence Date: N/A

Holding Company Status

BHC Status: Not applicable

Insurance & IDs

Primary Insurer: DIF (Deposit Insurance Fund) (Not valid prior to 03/31/2006)

CUSIP ID: N/A (Identifies stocks and debt securities)

LEI: Q7C315HKI8VX0SSKBS64 (Unique ID for legal entities engaging in financial transactions)

Corporate Structure and Relationships

Controlled Subsidiaries

These are companies that the main bank **owns or directs**. The listing below shows entities the bank has the power to control (`Controlled`).
If you see **0.00% Equity**, it means the bank controls the subsidiary using a legal tool other than voting stock, such as a management contract or a fiduciary arrangement (See Other Basis Ind).

MERCHANTS CREDIT CO (RSSD: 1436745) - **80.00%** Equity
EAGLE PREMIUM ASSISTANCE CORP (RSSD: 2431028) - **80.00%** Equity Address: 1220 N 18TH ST, MONROE, LA 71201
MISSISSIPPI AGRICLTRL CRDT CO (RSSD: 1097641) - **80.00%** Equity
PERSONAL FINANCE CORPORATION (RSSD: 1097632) - **80.00%** Equity
CENTURY CREDIT LIFE INSURANCE (RSSD: 1097623) - **80.00%** Equity
BANCORPSOUTH CMNTY DEV CORP (RSSD: 4879044) - **100.00%** Equity
BANCORPSOUTH INVESTMENT SVC (RSSD: 2795748) - **100.00%** Equity
WEST TENN LIFE INSURANCE (RSSD: 1468867) - **80.00%** Equity
BANCORPSOUTH INSURANCE SVC (RSSD: 2599535) - **80.00%** Equity
BANCORPSOUTH MTG CO (RSSD: 2906656) - **80.00%** Equity
VALLEY FNC (RSSD: 1934308) - **80.00%** Equity
BANCORPSOUTH INS SVC ALABAMA (RSSD: 2795757) - **80.00%** Equity
FIRST CONTINENTAL LEASING CORP (RSSD: 1080447) - **80.00%** Equity

Recent Transformations (as Survivor/Successor)

The following shows recent events where this entity (ID\_RSSD Successor) came into existence or continued to exist as a result of an event:

Date	Event Type	Predecessor (Non-Survivor)
Jul 01, 2025	Charter Discontinued (Merger/P&A)	RSSD: 450753
Jul 01, 2025	Charter Discontinued (Merger/P&A)	RSSD: 54656
Jul 01, 2025	Charter Discontinued (Merger/P&A)	RSSD: 342362
Jul 01, 2025	Charter Discontinued (Merger/P&A)	RSSD: 91754
Jul 01, 2025	Charter Discontinued (Merger/P&A)	RSSD: 733054