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Cadence Bank (CADE) investor relations material
Cadence Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Completed the acquisition and integration of Industry Bancshares and First Chatham Bank, expanding presence in Central Texas and Georgia, and adding $4.1 billion in assets.
Achieved strong organic and acquisition-driven growth in loans and deposits, with improved net interest margin and operating efficiency.
Reported adjusted net income available to common shareholders of $152.8 million ($0.81 per diluted share) for Q3 2025, with adjusted pre-tax pre-provision net revenue of $224.1 million, up 8.8% from Q2 2025.
Integration of acquired banks resulted in stable core deposit retention and enhanced product offerings.
Total loans grew by $1.3 billion (including $1.0 billion from acquisition), and total deposits increased by $3.4 billion, with core customer deposits up $3.1 billion.
Financial highlights
Net interest margin improved to 3.46% in Q3 2025, up 6 basis points from Q2 2025 and 15 basis points year-over-year.
Net interest revenue was $423.7 million, up from $361.5 million in Q3 2024 and $378.1 million in Q2 2025.
Adjusted pre-tax pre-provision net revenue reached $224.1 million, up 18.0% year-over-year and 8.8% sequentially.
Noninterest revenue was $93.5 million, up from $85.9 million in Q3 2024 but down from $98.2 million in Q2 2025.
Adjusted noninterest expense was $293.2 million, up from $260.4 million in Q3 2024 and $270.4 million in Q2 2025, primarily due to acquisition-related costs.
Outlook and guidance
2025 loan growth expected at 11–12% year-over-year, with core customer deposits up 12–14%.
Adjusted revenue growth forecasted at 10–11% and adjusted noninterest expense at 7–8% for 2025.
Net charge-offs expected to remain in the 20–30 basis points range, similar to 2024 levels.
Revenue and expense guidance narrowed to the lower end of prior ranges due to shorter time frame and clarity on year-end outlook.
Operating leverage expected to improve as cost saves from acquisitions are realized in 2026.
TBV accretion timeline post-Industry acquisition?
Sustainability of deposit cost declines?
Outlook for criticized loans?
Capital allocation priorities post-integration?
Organic loan growth drivers for 2026?
Future NIB deposit trends and drivers?
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Next Cadence Bank earnings date
Q4 202522 Jan, 2026
Next Cadence Bank earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Cadence Bank is a regional bank holding company providing a full range of banking and financial services to individuals, businesses, and government entities. The bank offers deposit accounts, loans, treasury services, and wealth management through a network of branches across the southern United States. Cadence Bank is headquartered in Tupelo, Mississippi, and its shares are listed on the NYSE.
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