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Dec 31, 2025
Cadence Bank Q4 2025 Earnings Report
Cadence Bank reported solid fourth quarter results with record adjusted earnings and margin expansion.
Key Takeaways
Cadence Bank delivered a strong Q4 performance, marked by higher adjusted earnings, increased net interest margin, and continued growth in loans and deposits. The bank also reported robust capital levels ahead of its merger with Huntington.
Adjusted net income reached a record $160.6 million in Q4.
Net interest margin expanded to 3.55%.
Organic loan growth and core deposit growth both rose 4.8% annualized.
Tangible book value per share rose to $23.69.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Cadence Bank expects continued earnings and balance sheet growth ahead of its merger with Huntington, supported by improved margin dynamics and regional expansion.
Positive Outlook
- Merger with Huntington expected to close Feb 1, 2026, creating a top 10 national franchise.
- Strong capital levels to support future growth.
- Positive trajectory in net interest margin.
- Ongoing organic growth in loans and deposits.
- Operational efficiency continues to improve.
Challenges Ahead
- Net charge-offs increased compared to prior year.
- Provision for credit losses rose from prior quarters.
- Nonperforming assets remained elevated at 0.49% of assets.
- Criticized loans increased to 2.81% of total loans.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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