Banking Review / Deal Surface / 2026-05-22
The DealCard decision instrument begins by articulating PRC Proximate Residents Catchment accretion, upon minting a specific merger scenario.
PRC Bridge
HUNTINGTON + Them: CADENCE
4,910,523 Me-only PRC + 117,366 Me PRC in co-trade regions + 159,002 Them accretion in co-trade regions + 948,105 Them-only accretion = 6,134,997 merged PRC
SMARTMARKETS VALUE PROP
Mint-ready: for any next-deal Them-target;
PRC accretion: normalized drill down into trade regions, compass subregions, fit + fill-in readout;
Regulator: density read out;
Due Diligence prep: branch fit motions;
First steps into: site network lifecycle/pruner (eg mint MatchMaker for Me vs All-Them);
If you want, designed to wire into your team decision workflow;
Based on current FFIEC branches; census residents.
SLIDE 2 / CO-TRADE MINI REPORT
Co-trade regions, ordered by Them accretion PRC:
1. HOUSTONTX 6040: Me PRC 30,252 | Them accretion PRC 91,618
2. DALLASTX 6080: Me PRC 60,204 | Them accretion PRC 43,252
3. SHERMANTX 2770: Me PRC 2,412 | Them accretion PRC 10,837
4. DENTONTX 6550: Me PRC 2,684 | Them accretion PRC 7,157
5. FORTWORTHT 6310: Me PRC 21,773 | Them accretion PRC 6,094
6. LAKEJACKSO 1610: Me PRC 41 | Them accretion PRC 46
Them-only trade regions, top 10 by PRC:
1. MEMPHISTN 6660: Them PRC 101,975
2. BIRMINGHAM 6510: Them PRC 77,117
3. JACKSONMS 1230: Them PRC 63,280
4. MACONGA 1730: Them PRC 60,441
5. HUNTSVILLE 1400: Them PRC 53,096
6. AUSTINTX 6300: Them PRC 50,926
7. SAVANNAHGA 1490: Them PRC 48,638
8. KILLEENTX 1460: Them PRC 47,204
9. FLORENCEAL 2940: Them PRC 34,040
10. JACKSONTN 2740: Them PRC 32,007
SLIDE 3 / PRC LEARNINGS
The usual question: where do these networks overlap?
The Smartmarkets question: what resident catchment does the combined network accrete?
PRC is precomputed before the dealcard starts.
A merger changes ownership of sites whose proximate catchment was already settled.
The bridge is intentionally boring: reassemble ownership of already-attributed residents.
FOR YOUR SHARP LLM-EQUIPPED ANALYST — QUICK-START GUIDE BELOW:
tsmr_issue_id: 2026052201 scenario: huntington_cadence_pre_close_20251201_exhibit Me org key: 811068191 Them org key: 810011813 (now expired)
Decision instrument; Machine-readable stable route surface, Tabular spatial analytics, Recipes help wiring if you want.
Paste this into your LLM to explore an Example DealCard
GET https://smartmarkets.ai/llms.txt
GET https://llm.smartmarkets.ai/8150/llm.txt
Orient the operator to the smartmarkets.ai terminal. Login uses email magic link (no password).
1) Open https://smartmarkets.ai and sign in: >_ login your@email.com
Note: no Stripe required for this single public Review GRATIS exception.
2) Issue a scoped 8150 key (one per account; shown once):
>_ key issue --series=8150
3) Store locally in your development environment with LLM agent access:
export SMARTMARKETS_API_KEY='<paste pmx_* key>'
4) Confirm 2b pack:
curl -sS -H "Authorization: Bearer $SMARTMARKETS_API_KEY" \
https://llm.smartmarkets.ai/8150/account/key-status \
| jq '.data | {tier_name, emr_pack_id, available_scenarios}'
Expect: mint_8150_tsmr_founder_dealcard, founder_ci, scenario cadence_buys_industry_2026Q2_repaired
5) In terminal: >_ help ci — then paste this chip into your LLM.
LLM HANDOFF (paste after key is set):
Current Vintage Rule: this key is for the current supported data vintage on this Deal Surface only; remint when Smartmarkets promotes a new vintage.
First task: GET /emr for the recipe to produce a simple bridge text report. Narrate PRC bridge meaning using Smartmarkets data only — no outside deal research.Paste this into your LLM to mint a production DealCard for your next deal. Hint: Huntington now rolls merged banks under org_key 811068191.
Production forward path — paste into your LLM after orienting the operator to smartmarkets.ai. GET https://smartmarkets.ai/llms.txt GET https://llm.smartmarkets.ai/8150/llm.txt Terminal (magic-link auth): 1) >_ org-key search --query=<bank name> 2) >_ org-key proof --org_key=<ORG_KEY> # both Me and Them sides 3) >_ mint 8150 dealcard --me_org_key=<ME> --them_org_key=<THEM> --scenario=<SCENARIO> 4) >_ key issue --series=8150 5) >_ help dealcard Exhibit boundary hint: https://smartmarkets.ai/review/banking/2026-05-22-huntington-cadence-pre-close-exhibit is a past-tense training Explainer only — Cadence is already rolled under Huntington; you cannot mint this pair on the production rail.
OPB METHODOLOGY
ORR is the change-control rail for this Explainer — one FFIEC stack per cvr_cycle_id, one narrative pin per pre-close deal.
Deal teams should recognize these TRNSFM markings; OPB foots them at the Explainer cut plane for client-side audit.
Me = slice @ pin. Them = merged standalone @ pin. Post-close absorption is a lineage assumption only.
PRC bridge reads Smartmarkets LIBRARY at pin-replayed org_keys — same accretion instrument as forward minted DealCard, just with a past-tense exemplary cut.
See Prompt Chip for the production mint on your next deal. This Review Explainer trains the bridge — not production mint (you will not be able to mint this deal card; Them is already rolled under).
ORR STACK / CHANGE PLANE
Pin 2025-12-01 · ORR-8150-bank-2026Q2-rev1 · Me org_key 811068191 · Them org_key 810011813 standalone @ pin.
Exclude transforms on or after 2026-02-01 (forward CVR).
Pre-pin stack changes (newest first):
2025-10-20 — Veritex Holdings, Inc. → Huntington Bancshares Incorporated → Me stack change
2025-07-01 — Rssd 54656 → Cadence Bank → Them stack change
2025-07-01 — Rssd 91754 → Cadence Bank → Them stack change
2025-07-01 — Rssd 342362 → Cadence Bank → Them stack change
2025-07-01 — Rssd 450753 → Cadence Bank → Them stack change
2025-07-01 — Rssd 733054 → Cadence Bank → Them stack change
2025-07-01 — Industry Bancshares, Inc. → Cadence Bank → Them stack change
2025-07-01 — Rssd 3042234 → Cadence Bank → Them stack change
2025-05-01 — Fcb Financial Corp. → Cadence Bank → Them stack change
2025-05-01 — Rssd 3075474 → Cadence Bank → Them stack change
2022-03-02 — Sfs, Llc → Cadence Bank → Them stack change
2022-03-02 — Superior Financial Services, Llc → Cadence Bank → Them stack change
2021-10-29 — Rssd 4262534 → Cadence Bank → Them stack change
2021-10-29 — Cadence Bancorporation → Cadence Bank → Them stack change
2021-07-01 — Bancorpsouth Municipal Development Corporation → Cadence Bank → Them stack change
2021-06-09 — Tcf Financial Corporation → Huntington Bancshares Incorporated → Me stack change
2021-05-01 — Rssd 322056 → Cadence Bank → Them stack change
2021-05-01 — Rssd 441434 → Cadence Bank → Them stack change
2021-05-01 — Fns Bancshares, Inc. → Cadence Bank → Them stack change
2021-05-01 — National United Bancshares, Inc. → Cadence Bank → Them stack change
2020-01-01 — Rssd 655660 → Cadence Bank → Them stack change
2020-01-01 — Texas First Bancshares, Inc. → Cadence Bank → Them stack change
2019-09-01 — Rssd 274164 → Cadence Bank → Them stack change
2019-09-01 — Van Alstyne Financial Corporation → Cadence Bank → Them stack change
2019-09-01 — Rssd 3696936 → Cadence Bank → Them stack change
2019-09-01 — Summit Financial Enterprises, Inc. → Cadence Bank → Them stack change
2019-04-01 — Rssd 147633 → Cadence Bank → Them stack change
2019-04-01 — Rssd 525352 → Cadence Bank → Them stack change
2018-10-01 — Rssd 3559938 → Cadence Bank → Them stack change
2018-01-16 — Rssd 751759 → Cadence Bank → Them stack change
2018-01-16 — Central Community Corporation → Cadence Bank → Them stack change
2018-01-16 — Ouachita Bancshares Corp. → Cadence Bank → Them stack change
2018-01-16 — Rssd 2454607 → Cadence Bank → Them stack change
2017-11-01 — Bancorpsouth, Inc. → Cadence Bank → Them stack change
2016-08-16 — Firstmerit Corporation → Huntington Bancshares Incorporated → Me stack change
2014-03-01 — Camco Financial Corporation → Huntington Bancshares Incorporated → Me stack change
2007-08-01 — Huntington Insurance Agency Services, Inc. → Huntington Bancshares Incorporated → Me stack change
2007-07-02 — Rssd 2582591 → Cadence Bank → Them stack change
2007-07-02 — Penguin Acquisition, Llc → Huntington Bancshares Incorporated → Me stack change
2007-07-01 — Sky Financial Group, Inc. → Huntington Bancshares Incorporated → Me stack change
2006-03-01 — Unizan Financial Corp. → Huntington Bancshares Incorporated → Me stack change
2005-12-01 — Rssd 198448 → Cadence Bank → Them stack change
2005-12-01 — American State Trust & Financial Service, Inc → Cadence Bank → Them stack change
2004-12-31 — Rssd 2607225 → Cadence Bank → Them stack change
2004-12-31 — Rssd 2728111 → Cadence Bank → Them stack change
2002-03-01 — Rssd 2503569 → Cadence Bank → Them stack change
2000-11-01 — Rssd 895970 → Cadence Bank → Them stack change
2000-09-01 — Rssd 19749 → Cadence Bank → Them stack change
2000-09-01 — Rssd 80048 → Cadence Bank → Them stack change
2000-09-01 — Rssd 136552 → Cadence Bank → Them stack change
2000-09-01 — Rssd 417363 → Cadence Bank → Them stack change
2000-09-01 — Rssd 455543 → Cadence Bank → Them stack change
2000-09-01 — Rssd 520049 → Cadence Bank → Them stack change
2000-09-01 — Rssd 646949 → Cadence Bank → Them stack change
2000-09-01 — Rssd 686646 → Cadence Bank → Them stack change
2000-09-01 — Rssd 809351 → Cadence Bank → Them stack change
2000-09-01 — Rssd 888468 → Cadence Bank → Them stack change
2000-09-01 — Rssd 978640 → Cadence Bank → Them stack change
2000-09-01 — First United Trust Company, National Association → Cadence Bank → Them stack change
2000-06-24 — Empire Banc Corporation → Huntington Bancshares Incorporated → Me stack change
1999-02-27 — Rssd 573232 → Cadence Bank → Them stack change
1999-01-01 — Rssd 426431 → Cadence Bank → Them stack change
1998-12-05 — Rssd 921637 → Cadence Bank → Them stack change
1998-10-31 — Rssd 218430 → Cadence Bank → Them stack change
1998-10-31 — Rssd 1355583 → Cadence Bank → Them stack change
1997-09-30 — First Michigan Bank Corporation → Huntington Bancshares Incorporated → Me stack change
1997-06-30 — Huntington Bancshares Indiana, Inc. → Huntington Bancshares Incorporated → Me stack change
1997-06-30 — Huntington Bancshares Michigan, Inc. → Huntington Bancshares Incorporated → Me stack change
1997-06-30 — Huntington Financial Services Company → Huntington Bancshares Incorporated → Me stack change
1997-06-30 — Huntington Bancshares West Virginia, Inc. → Huntington Bancshares Incorporated → Me stack change
1997-06-21 — Rssd 569150 → Cadence Bank → Them stack change
1997-03-01 — Rssd 841744 → Cadence Bank → Them stack change
1996-12-13 — Rssd 672171 → Cadence Bank → Them stack change
1995-07-31 — Rssd 47872 → Cadence Bank → Them stack change
1989-12-31 — First Continental Leasing Corporation → Cadence Bank → Them stack change
1987-05-28 — Rssd 729338 → Cadence Bank → Them stack change
1987-01-01 — Rssd 249630 → Cadence Bank → Them stack change
1983-03-31 — Union Commerce Corporation → Huntington Bancshares Incorporated → Me stack change
1982-04-15 — Rssd 650740 → Cadence Bank → Them stack change
1980-05-12 — Rssd 701147 → Cadence Bank → Them stack change
1974-06-30 — Rssd 699347 → Cadence Bank → Them stack change
1973-10-25 — Rssd 542845 → Cadence Bank → Them stack change
1973-07-27 — Rssd 623847 → Cadence Bank → Them stack change
1971-08-12 — Bank Of Houston, The → Cadence Bank → Them stack change
1968-10-18 — Bank Of Bruce → Cadence Bank → Them stack change
1966-09-19 — Prentiss County Home Bank → Cadence Bank → Them stack change
Post-close (excluded from geography):
2026-02-01 — Cadence Bank → Huntington National Bank, The [after pin · TRNSFM_CD=1]
Current ORR rel: Huntington Bancshares Incorporated (1068191) → Huntington National Bank, The (12311).
Internal control: PRC @ 2025-12-01 = stack after scroll above, before post-close absorption.
CSV footnote · 606046→12311 TRNSFM_CD=1 @ 2026-02-01 · museum-spine org_key 810011813 (7.5i bypass) — pred head not superseded @ bridge; Them geography @ pin standalone. 6AD-006-001 assumption: DealCard PRC treats Them branches as surviving accretion @ pin — disclosed design choice; not implied by NIC CSV branch rows alone.