Community Reinvestment Act Community Reinvestment Act (CRA) Public File Information

Cadence is pleased to provide CRA public file information online for viewing convenience. By providing our CRA public information online, Cadence is better able to keep the information current while providing convenient access. Interested parties may review any or all of the required data provided. Cadence is able to provide hard copies of these documents upon request; however, there will be a reasonable fee assessed to cover copying and mailing expenses.

Comments or Questions

Cadence Bank
Chief Compliance Officer
One Mississippi Plaza
201 South Spring Street
Tupelo, Mississippi 38804

Public Information Available for Inspection

In compliance with the requirements of the Community Reinvestment Act, the following information must be maintained in a public file, current as of April 1 of each year.

Written Comments

All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank’s performance in helping to meet community credit needs, and any response to the comments by the bank, if neither the comments nor the responses contain statements that reflect adversely on the good name or reputation of any persons other than the bank of publication of which would violate specific provisions of the law. 

Written Comments

CRA Performance Evaluation

A copy of the public section of the bank’s most recent CRA Performance Evaluation.

CRA Performance Evaluation

Branch Information

A list of the bank’s branches, their street addresses and geographies, including hours of operation.

Branch Information 

Opened and Closed Branches

Branches opened and closed by the bank during the current year and each of the prior two calendar years.

Opened and Closed Branches 

List of Products and Services

A list of services (loan and deposit products, and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any.

Assessment Areas

A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.

Assessment Area Maps and Geographies
List of Census Tracts

Additional Information Available to the Public

CRA Disclosure Statement

Cadence Bank’s CRA Disclosure Statement for the prior two calendar years

2022 CRA Disclosure Statement 

2021 CRA Disclosure Statement


HMDA Notice


Effective January 1, 2018, the HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.

These data are available online at the Consumer Financial Protection Bureau's Website at: beginning with calendar years 2017 forward. HMDA data for many other financial institutions are also available at this Website.

HMDA Notice

Any Other Information the Bank Chooses

Some information contained in this section is presented in PDF format and requires Adobe Acrobat Reader to view it. If you do not already have Acrobat Reader, you can download it for free at

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