Cadence Bank
A former United States regional bank that operated across six states before its 2021 merger with BancorpSouth Bank.
Last updated August 26, 2026
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Overview
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.
History
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.
- 2021
Merger agreement with BancorpSouth
[1]Cadence Bancorporation agreed to merge with BancorpSouth Bank; the combined institution used the Cadence Bank name.
- 2019
State Bank acquisition and Atlanta relocation
[1]The bank acquired State Bank and moved its headquarters to Atlanta, retaining Birmingham as an executive and operations center.
- 2012
Encore Bank acquisition
[1]Cadence Bank acquired Encore Bank in July.
- 2011
Cadence Bancorporation acquires Cadence Bank
[1]The parent company acquired Cadence Bank in March, making it the holding company’s primary subsidiary.
- 2011
Superior Bancorp acquisition
[1]Cadence acquired Superior Bancorp in an FDIC-facilitated transaction following Superior Bank’s failure.
- 2011
Headquarters move to Birmingham
[1]The bank moved its headquarters from Starkville, Mississippi, to Birmingham, Alabama, in November.
- 2010
Capital commitments secured
[1]Community Bancorp secured $1 billion in capital commitments.
- 2009
Community Bancorp is formed
[1]The predecessor structure of Cadence Bancorporation was formed as Community Bancorp LLC.
- 2005
Cadence Bank name adopted
[1]The institution changed its name to Cadence Bank, N.A.
- 1974
Mississippi mergers create a larger institution
[1]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.
Products and positioning
A regional full-service bank serving consumers, businesses, and communities across the southern United States.
Retail and business banking
Deposit accounts
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.
Consumer and commercial lending
Loans
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 and financial services
Wealth management and related 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.
Marketing campaigns
- 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.
Brand decisions
2021
Merge with BancorpSouth BankM&ABackground
Cadence Bancorporation entered into a merger agreement with BancorpSouth Bank in April 2021.
Action taken
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.
2019
Acquire State Bank and reposition headquartersM&ABackground
Cadence continued its expansion while reorganizing its corporate geography.
Action taken
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.
2012
Acquire Encore BankM&ABackground
Cadence Bank pursued further regional expansion after its 2011 acquisition activity.
Action taken
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.
2011
Acquire Superior BancorpM&ABackground
Superior Bank failed, and the Federal Deposit Insurance Corporation facilitated a transaction involving Superior Bancorp and Cadence Bank.
Action taken
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.
Recent events
Cadence Bank reports 2021 annual and fourth-quarter results[2]
Reported:
Cadence Bank announced financial results for the quarter and year ended December 31, 2021, including annual net income available to common shareholders of $185.7 million and a fourth-quarter net loss available to common shareholders of $37.0 million.
Sources2 sources
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