PackageTrendsPeer
Letter portraitLegal landscape

Cadence Bank

Tupelo, MS · Cert 11813

FDIC · 371 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=136 to 137). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

35

Q2 2024Q4 2025peer median (50)

Asset Quality

29

Q2 2024Q4 2025peer median (50)

Profitability

41

Q2 2024Q4 2025peer median (50)

Liquidity

81

Q2 2024Q4 2025peer median

Efficiency

39

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Cadence Bank

Tupelo, MS · Cert 11813

FDIC · 371 branches

Q4 2025

$53.5BAssets
$37.5BLoans
$44.1BDeposits
$6.2BEquity
Loan mix
77%RE $28.0B22%C&I $7.9B1%Consumer $0.2BQ4 2024Q4 2025
Deposit mix
79%Interest-bearing $34.7B21%Noninterest $9.4BQ4 2024Q4 2025

NIM

4.61%Q4 ’235.30%Q4 ’244.90%Q4 ’25+11%-1%

Non-interest income vs. expense

2.31%Q4 ’232.17%Q4 ’242.17%Q4 ’25-15%+3%

Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 1.8% share · #7 of 109 inst. · $6.3B of $348.4B

2.0% Harris
39.0% Lee
29.1% DeSoto
2.7% Jefferson

Executive Summary

  • Earnings: ROA of 1.08%, unchanged from a year ago; NIM at 3.06%.
  • Asset quality: problem loans at 0.98% of loans (-4 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 9.70%, down 72 bps from a year ago.
  • Funding: loans stand at 84.99% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.08%0 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-2 bps YoY

Efficiency Ratio (YTD, annualized)

58.01%+70 bps YoY

Tier 1 Leverage Ratio

9.70%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.08%1.12%1.11%1.07%1.08%0 bps
Return on Equity9.77%9.44%9.34%9.11%9.22%-55 bps
Net Interest Margin3.08%3.12%3.04%2.91%3.06%-2 bps
Efficiency Ratio57.31%57.01%56.71%58.22%58.01%+70 bps
Non-Interest Burden1.43%1.45%1.39%1.41%1.47%+5 bps
Growth
Asset Growth (YoY)-3.91%-1.18%4.99%8.29%13.85%+1,776 bps
Loan Growth (YoY)3.99%3.69%6.65%10.60%10.38%+639 bps
Deposit Growth (YoY)5.19%5.81%6.96%13.07%9.00%+380 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.91%0.84%0.99%0.98%-4 bps
Net Charge-Offs / Loans0.23%0.27%0.25%0.24%0.25%+2 bps
Allowance / Loans1.36%1.34%1.33%1.34%1.32%-4 bps
Allowance Coverage of NPLs1.3x1.5x1.6x1.4x1.3x0.0x
Capital
Tier 1 Leverage Ratio10.41%10.56%10.35%9.24%9.70%-72 bps
Total Risk-Based Capital13.97%14.12%13.79%13.09%13.28%-69 bps
Equity / Assets11.85%11.98%11.74%11.42%11.66%-18 bps
Liquidity & Funding
Loans / Deposits83.92%84.97%88.25%84.39%84.99%+107 bps
Liquid Assets / Assets2.35%2.07%1.63%1.97%2.66%+31 bps
CRE / Total Capitaln/an/an/a309%306%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Cadence Bank

Tupelo, MS · Cert 11813 · Peer group: banks over $10B in assets (n=136-137)

FDIC · 371 branches

Q4 2025

$53.5BAssets
$37.5BLoans
$44.1BDeposits
$6.2BEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 68% of banks over $10B in assets (rank 45 of 137).
  • Widest gap: total risk-based capital ratio trails 80% of banks over $10B in assets (rank 110 of 137).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.02%

Rank 80 of 137

Net Interest Margin

3.06%

Rank 69 of 137

Efficiency Ratio

59.17%

Rank 84 of 137

Equity / Assets

11.66%

Rank 56 of 137

Non-interest income vs. expense

$0.4B$1.2BINCOMEEXPENSE
Unfavorable gap of $0.8B · efficiency ratio beats 39% of banks over $10B in assets
Bank 59.17%Peer median 57.0%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.87%1.13%1.38%Beats 42%80 / 137
Return on Equity8.72%7.29%10.18%12.34%Beats 32%93 / 137
Net Interest Margin3.06%2.65%3.06%3.38%Beats 50%69 / 137
Efficiency Ratio59.17%50.38%56.96%62.80%Beats 39%84 / 137
Asset Quality
Nonperforming Loans / Loans0.98%0.45%0.72%1.07%Beats 29%97 / 136
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.09%12.02%13.11%15.25%Beats 27%100 / 137
Total Risk-Based Capital Ratio13.28%13.37%14.61%16.44%Beats 20%110 / 137
Equity / Assets11.66%9.50%11.20%12.98%Beats 59%56 / 137
Liquidity & Funding
Loans / Deposits84.99%74.10%82.24%90.33%55th pctl61 / 136
Loans / Assets70.08%58.67%68.68%74.63%59th pctl56 / 136
Brokered Deposits / Deposits1.66%0.46%3.82%8.33%Beats 68%45 / 137