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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