021000021
View detailsTwo banks, two states, one name
The Cadence Bank that exists today is the product of a 2021 merger between two very different Southern banks. BancorpSouth, founded in 1876 in Verona, Mississippi, was a traditional community bank that had grown into a $20 billion regional institution serving small towns, farmers, and local businesses across Mississippi, Tennessee, Alabama, Arkansas, Louisiana, and Texas. The original Cadence Bank, based in Houston, was a commercially focused institution with roots in Birmingham that had repositioned itself as a modern, urban-market lender.
When the two merged, they kept the Cadence name and established dual headquarters — corporate operations in Tupelo, Mississippi and a significant presence in Houston. The combined bank holds roughly $50 billion in assets and operates over 350 branches.
Routing number
Cadence Bank's primary routing number is 065305436. The 065 prefix ties to the Federal Reserve Bank of Atlanta, which covers Alabama, Florida, Georgia, and portions of Louisiana, Mississippi, and Tennessee. Despite Cadence's significant Texas presence, the routing number reflects the legacy charter's geographic origin rather than the bank's current operational footprint. This number applies to ACH transfers, direct deposit, bill pay, and domestic wire transfers across all of Cadence's operating states. Find it through the online banking platform, the Cadence Bank mobile app, or the bottom-left corner of a check.
If you were previously a BancorpSouth customer, your routing number changed to 065305436 during the 2022-2023 conversion. If you're unsure whether your account has been fully migrated, check your most recent statement or contact Cadence directly — outdated routing numbers on file with an employer or biller can cause ACH transactions to fail.
Rural roots and urban ambitions
What makes Cadence unusual among regional banks is the breadth of its customer base. In Tupelo — a city of 38,000 people — Cadence serves as the dominant community bank, financing local businesses, agricultural operations, and residential mortgages. In Houston — the fourth-largest city in America — the same bank competes for commercial real estate deals, energy industry lending, and corporate treasury relationships against JPMorgan Chase and Bank of America.
This duality creates operational complexity but also genuine diversification. When commodity prices drop and Texas energy lending gets stressed, Mississippi's stable agricultural economy provides ballast. When rural markets stagnate, Houston's growth economy keeps the loan portfolio expanding. The two-HQ structure isn't just a political compromise from the merger — it reflects a real strategic advantage.
Business banking that bridges geography
Cadence proved that a bank can serve cotton farmers in the Mississippi Delta and oil executives in downtown Houston under one charter. For businesses that operate across state lines and need financial tools that work everywhere equally, Slash delivers — corporate cards, spend management, and automated bookkeeping integrations that work identically whether your team is in Tupelo, Houston, or fully remote.
