Cadence Bank Routing Number - Mississippi Meets Texas Under One Charter

Two 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 by 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, Alabama that had rebranded from Community Bankers Trust and positioned 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 (BancorpSouth's longtime home) and a significant presence in Houston. The combined bank holds roughly $50 billion in assets and operates over 350 branches. The routing number 065305436 - with the 065 prefix processed through the Federal Reserve Bank of Atlanta - serves as the primary routing number for the merged entity.

Routing number consolidation after the merger

Merging two banks means merging two sets of routing numbers, account systems, and payment infrastructure. Legacy BancorpSouth customers were transitioned to the Cadence Bank systems over the course of 2022 and 2023. If you were previously a BancorpSouth customer, your routing number changed from BancorpSouth's legacy number to 065305436 during the conversion. Legacy Cadence Bank (pre-merger) customers may have experienced a similar transition depending on their original account type.

The 065 prefix places Cadence Bank's processing within the Federal Reserve Bank of Atlanta's district, 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.

Rural roots and urban ambitions

What makes Cadence Bank unusual among regional banks is the breadth of its customer base. In Tupelo - a city of 38,000 people famous primarily as Elvis Presley's birthplace - 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 national players like JPMorgan Chase and Bank of America.

This duality creates operational complexity but also diversification. When commodity prices drop and Texas energy lending gets stressed, Mississippi's stable agricultural and manufacturing economy provides ballast. When rural markets stagnate, Houston's growth economy keeps the loan portfolio expanding. The two-HQ structure is not just a political compromise from the merger - it reflects a genuine strategic advantage of geographic and economic diversity.

Finding and using the Cadence Bank routing number

For ACH transfers, direct deposit, bill pay, and domestic wire transfers, use Cadence Bank routing number 065305436. This number applies across all of Cadence's operating states. The routing number is accessible through Cadence's online banking platform, the Cadence Bank mobile app, and printed on the bottom-left of Cadence checks.

If you are unsure whether your account has been fully migrated from a legacy BancorpSouth or legacy Cadence routing number, check your most recent bank statement or contact Cadence directly. Post-merger routing number confusion is common and can cause ACH transactions to fail if the outdated number is still on file with an employer or biller.

Business banking that bridges geography

Cadence Bank's merger proved that a bank can serve cotton farmers in the Mississippi Delta and oil executives in downtown Houston under one charter. But for businesses that operate across state lines and need financial tools that work everywhere equally, the better solution is a platform that was never tied to a physical footprint in the first place. Slash delivers business banking (corporate cards, spend management, and automated bookkeeping integrations) that works identically whether your team is in Tupelo or Houston or fully remote.