Cadence Bank

Cadence Bank was a United States regional banking institution and the principal banking subsidiary of Houston-based Cadence Bancorporation. The historical entity covered by this entry operated a branch network of 105 locations in Alabama, Florida, Georgia, Mississippi, Tennessee, and Texas, serving retail and commercial customers through ordinary banking products and services. Its business scope included deposit accounts, lending, and related financial services, although the available reference material does not provide a sufficiently detailed product catalog or financial breakdown to identify specific named offerings with confidence. The institution traced its roots to the First National Bank of Aberdeen, founded in Mississippi on April 30, 1887. Over the following decades it changed names and expanded through mergers. In 1972 it became the First National Bank of Monroe County. In March 1974 it merged with Peoples Bank of Starkville, Mississippi, and adopted the name National Bank of Mississippi in May of that year. A further merger with the National Bank of Commerce of Columbus in October 1974 produced the National Bank of Commerce of Mississippi. The bank adopted the Cadence Bank name in 2005. A new parent-company structure emerged in the late 2000s. Community Bancorp LLC, the predecessor structure of Cadence Bancorporation, was formed in 2009 and obtained $1 billion in capital commitments in 2010. In March 2011 it acquired Cadence Bank, providing the platform for a broader regional banking strategy. The bank subsequently participated in several material transactions. In April 2011 it acquired Superior Bancorp of Birmingham, Alabama, in a transaction facilitated by the Federal Deposit Insurance Corporation following Superior Bank’s failure. In July 2012 it acquired Encore Bank. In January 2019 it acquired State Bank and moved its corporate headquarters to Atlanta, while Birmingham remained an executive and operations center. Cadence Bank also developed a public-facing local presence through naming rights to the Cadence Bank Amphitheatre in Atlanta. That sponsorship associated the bank with a major regional entertainment venue, but the supplied material does not identify the agreement’s start date, term, or commercial value. The historical Cadence Bank ceased to exist as a separate institution after Cadence Bancorporation entered into a merger agreement with BancorpSouth Bank in April 2021. The combined organization continued to use the Cadence Bank name, but that later organization is outside the authoritative Wikipedia subject specified for this dossier. Accordingly, this entry describes the pre-merger bank founded in 1887 and operating through 2021 rather than remapping the subject to the successor institution.

Cadence Bank’s institutional history began in Aberdeen, Mississippi, where the First National Bank of Aberdeen was founded on April 30, 1887. The bank initially operated as a local national bank and later changed its legal and trading identity as its ownership and regional relationships developed. In 1972 it was renamed the First National Bank of Monroe County. The institution then entered a period of consolidation. In March 1974 it merged with Peoples Bank in Starkville, Mississippi. By May of that year it was operating under the name National Bank of Mississippi. In October 1974 it merged with the National Bank of Commerce of Columbus, becoming the National Bank of Commerce of Mississippi. These transactions connected the original Aberdeen institution with a broader Mississippi banking franchise. The Cadence identity was adopted in 2005, when the bank changed its name to Cadence Bank, N.A. A new ownership and capital-raising phase followed. Community Bancorp LLC was formed in 2009 as the predecessor of the later Cadence Bancorporation structure. In 2010 it obtained $1 billion in capital commitments. Cadence Bancorporation acquired Cadence Bank in March 2011, establishing the bank as the holding company’s primary operating subsidiary. Expansion continued through acquisitions. In April 2011 Cadence Bank acquired Superior Bancorp of Birmingham, Alabama, in a transaction arranged with the assistance of the Federal Deposit Insurance Corporation after Superior Bank failed. The deal strengthened Cadence’s Alabama presence and reflected the role of regulators in resolving the failed institution. In July 2012 the bank acquired Encore Bank, adding another step to its regional expansion program. The organization changed its geographic center of gravity over time. In November 2011 the bank moved its headquarters from Starkville, Mississippi, to Birmingham, Alabama. In January 2019 it acquired State Bank and moved its headquarters to Atlanta. Birmingham nevertheless remained an executive and operations headquarters, giving the bank significant institutional ties to both cities. By its final period, the bank had 105 branches across Alabama, Florida, Georgia, Mississippi, Tennessee, and Texas. Cadence Bank also pursued local brand visibility beyond branch banking. It held naming rights to the Cadence Bank Amphitheatre in Atlanta, linking the institution’s name to a prominent entertainment venue. The available reference does not establish the agreement’s precise commercial terms or duration. In April 2021 Cadence Bancorporation entered into a merger agreement with BancorpSouth Bank. The resulting organization used the Cadence Bank name, but the merger brought the historical bank described here to an end as a distinct entity. This dossier therefore treats Cadence Bank (1887–2021) as a former regional bank and does not conflate it with the later successor organization using the same name.

1. 2021Merger agreement with BancorpSouth

   Cadence Bancorporation agreed to merge with BancorpSouth Bank; the combined institution used the Cadence Bank name.

   Source
2. 2019State Bank acquisition and Atlanta relocation

   The bank acquired State Bank and moved its headquarters to Atlanta, retaining Birmingham as an executive and operations center.

   Source
3. 2012Encore Bank acquisition

   Cadence Bank acquired Encore Bank in July.

   Source
4. 2011Cadence Bancorporation acquires Cadence Bank

   The parent company acquired Cadence Bank in March, making it the holding company’s primary subsidiary.

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5. 2011Superior Bancorp acquisition

   Cadence acquired Superior Bancorp in an FDIC-facilitated transaction following Superior Bank’s failure.

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6. 2011Headquarters move to Birmingham

   The bank moved its headquarters from Starkville, Mississippi, to Birmingham, Alabama, in November.

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7. 2010Capital commitments secured

   Community Bancorp secured $1 billion in capital commitments.

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8. 2009Community Bancorp is formed

   The predecessor structure of Cadence Bancorporation was formed as Community Bancorp LLC.

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9. 2005Cadence Bank name adopted

   The institution changed its name to Cadence Bank, N.A.

   Source
10. 1974Mississippi mergers create a larger institution

    The bank merged with Peoples Bank in March and later with the National Bank of Commerce of Columbus, becoming the National Bank of Commerce of Mississippi.

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11. 1972Name changes to First National Bank of Monroe County

    The original bank adopted the First National Bank of Monroe County name.

    Source
12. 1887First National Bank of Aberdeen is founded

    The institution that eventually became Cadence Bank was founded in Aberdeen, Mississippi, on April 30, 1887.

    Source

A regional full-service bank serving consumers, businesses, and communities across the southern United States.

• Deposit accountsRetail and business banking

  Cadence Bank operated as a full-service regional bank accepting deposits from consumers and businesses. The available material confirms deposit banking as part of its scope but does not provide enough detail to identify particular account names, rates, fees, or eligibility conditions.

• LoansConsumer and commercial lending

  Lending was a core part of the bank’s personal and business banking activity. The supplied sources support a broad description covering consumer and commercial credit, but do not specify individual loan products or portfolio metrics for the historical entity.

• Wealth management and related financial servicesWealth and financial services

  The bank was described as offering wealth management and related financial services alongside deposits and loans. Specific advisory products, operating subsidiaries, and assets under management are not identified in the available reference material.

• Cadence Bank Amphitheatre naming-rights sponsorship

  Atlanta · Georgia · United States

  Cadence Bank held naming rights to the Cadence Bank Amphitheatre in Atlanta, giving the regional bank a visible association with a major local entertainment venue.

  Outcome. The available source confirms the naming-rights relationship but does not provide its start date, term, financial value, or audience results.

  Source

• 2021Merge with BancorpSouth BankM&A

  Cadence Bancorporation entered into a merger agreement with BancorpSouth Bank in April 2021.

  What changed. The parties agreed to combine, with the merged entity using the Cadence Bank name.

  Aftermath. The historical Cadence Bank ceased to operate as a separate entity. The successor organization is not treated as the subject of this dossier.

  Source
• 2019Acquire State Bank and reposition headquartersM&A

  Cadence continued its expansion while reorganizing its corporate geography.

  What changed. Cadence acquired State Bank and moved its headquarters to Atlanta, with Birmingham continuing as an executive and operations center.

  Aftermath. The move reinforced Atlanta as the corporate headquarters while preserving Birmingham as a major operating location.

  Source
• 2012Acquire Encore BankM&A

  Cadence Bank pursued further regional expansion after its 2011 acquisition activity.

  What changed. The bank acquired Encore Bank in July 2012.

  Aftermath. The acquisition broadened Cadence’s franchise, although the available source does not state the transaction value or operating impact.

  Source
• 2011Acquire Superior BancorpM&A

  Superior Bank failed, and the Federal Deposit Insurance Corporation facilitated a transaction involving Superior Bancorp and Cadence Bank.

  What changed. Cadence Bank acquired Superior Bancorp of Birmingham, Alabama, expanding its presence in the state.

  Aftermath. The transaction added to Cadence’s regional banking platform; the supplied source does not provide financial terms or subsequent branch and portfolio details.

  Source

• 2021Cadence Bancorporation agrees to merge with BancorpSouth Bank

  Cadence Bancorporation entered into a merger agreement with BancorpSouth Bank. The combined organization adopted the Cadence Bank name, ending the existence of the historical Cadence Bank entity as a separate institution.

  M&A
  Source
• 2019Cadence Bank acquires State Bank and relocates headquarters to Atlanta

  Cadence Bank acquired State Bank and moved its headquarters from Birmingham to Atlanta, while Birmingham continued as an executive and operations center.

  M&A
  Source
• 2012Cadence Bank acquires Encore Bank

  Cadence Bank expanded through the acquisition of Encore Bank.

  M&A
  Source
• 2011Cadence Bank acquires Superior Bancorp after bank failure

  Cadence Bank acquired Superior Bancorp of Birmingham in a transaction facilitated by the Federal Deposit Insurance Corporation after Superior Bank failed.

  M&ARegulation
  Source
• 2010Community Bancorp secures $1 billion in capital commitments

  The bank’s predecessor parent structure secured $1 billion of capital commitments as it prepared to build a larger regional banking platform.

  Other
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1. Cadence Bank (1887–2021)