# Cadence Bank

**Canonical:** https://apis.io/providers/cadence-bank/  
**Website:** https://www.cadencebank.com/  
**APIs profiled:** 0

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.

## Kin Score — 9.5 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.5).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Cadence Bank Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cadence-bank/). Scores are computed from the provider's own public artifacts under a published rubric.