Cadence Bank

Cadence Bank is a regional U.S. commercial bank headquartered in Tupelo, Mississippi and Houston, Texas, formed in October 2021 when legacy Cadence Bancorporation merged into BancorpSouth Bank (the surviving entity, subsequently renamed Cadence Bank; NYSE ticker CADE). It is a Mississippi state-chartered bank operating roughly 400+ branches across the U.S. South, Midwest, and Texas with about $48-50 billion in assets, offering consumer banking, mortgages, home equity, credit cards, small business and commercial banking, treasury management, and wealth/insurance services. On open finance, Cadence Bank exposes no first-party public developer API or developer portal; consumer-permissioned account data is reachable only through third-party aggregators (notably Plaid), which is the honest, prevailing posture for most U.S. regional banks. No documented direct FDX (Financial Data Exchange) membership or published CFPB Section 1033 data-access API was found as of this profile.

Cadence Bank is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Regional Bank, and Commercial Banking.

Cadence Bank’s developer surface includes support and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.5/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Financial-Services Banking United States Regional Bank Commercial Banking Treasury Management Open Finance Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 9.5/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 4.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/cadence-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

LinkedIn

InvestorRelations

InvestorRelations

Source (apis.yml)

aid: cadence-bank
url: https://raw.githubusercontent.com/api-evangelist/cadence-bank/refs/heads/main/apis.yml
name: Cadence Bank
kind: company
description: Cadence Bank is a regional U.S. commercial bank headquartered in Tupelo, Mississippi and Houston, Texas, formed
  in October 2021 when legacy Cadence Bancorporation merged into BancorpSouth Bank (the surviving entity, subsequently renamed
  Cadence Bank; NYSE ticker CADE). It is a Mississippi state-chartered bank operating roughly 400+ branches across the U.S.
  South, Midwest, and Texas with about $48-50 billion in assets, offering consumer banking, mortgages, home equity, credit
  cards, small business and commercial banking, treasury management, and wealth/insurance services. On open finance, Cadence
  Bank exposes no first-party public developer API or developer portal; consumer-permissioned account data is reachable only
  through third-party aggregators (notably Plaid), which is the honest, prevailing posture for most U.S. regional banks. No
  documented direct FDX (Financial Data Exchange) membership or published CFPB Section 1033 data-access API was found as of
  this profile.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Regional Bank
- Commercial Banking
- Treasury Management
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Regional Bank
- Commercial Banking
- Treasury Management
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/cadence-bank-domain-security.yml
- type: Website
  url: https://www.cadencebank.com/
- type: LinkedIn
  url: https://www.linkedin.com/company/cadence-bank
- type: InvestorRelations
  url: https://ir.cadencebank.com/
- type: Support
  url: https://cadencebank.com/customer-service
- type: PrivacyPolicy
  url: https://cadencebank.com/policies-and-disclosures/online-privacy-disclosure
- type: TermsOfService
  url: https://cadencebank.com/policies-and-disclosures
- type: Login
  url: https://portal.cadencebank.com/consumer/SignOn.aspx
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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