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
Unfavorable gap of $0.8B · efficiency ratio beats 39% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.87% | 1.13% | 1.38% | Beats 42% | 80 / 137 | |
| Return on Equity | 8.72% | 7.29% | 10.18% | 12.34% | Beats 32% | 93 / 137 | |
| Net Interest Margin | 3.06% | 2.65% | 3.06% | 3.38% | Beats 50% | 69 / 137 | |
| Efficiency Ratio | 59.17% | 50.38% | 56.96% | 62.80% | Beats 39% | 84 / 137 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.45% | 0.72% | 1.07% | Beats 29% | 97 / 136 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.09% | 12.02% | 13.11% | 15.25% | Beats 27% | 100 / 137 | |
| Total Risk-Based Capital Ratio | 13.28% | 13.37% | 14.61% | 16.44% | Beats 20% | 110 / 137 | |
| Equity / Assets | 11.66% | 9.50% | 11.20% | 12.98% | Beats 59% | 56 / 137 | |
| Liquidity & Funding |
| Loans / Deposits | 84.99% | 74.10% | 82.24% | 90.33% | 55th pctl | 61 / 136 | |
| Loans / Assets | 70.08% | 58.67% | 68.68% | 74.63% | 59th pctl | 56 / 136 | |
| Brokered Deposits / Deposits | 1.66% | 0.46% | 3.82% | 8.33% | Beats 68% | 45 / 137 | |