Recent significant channel evolution in the Jingjiang Reach has raised much attention, particularly the remarkable bank erosion. A coupled model for simulating bed deformation and bank erosion has been proposed in this study, which focuses on the erosion of the bank with a composite structure in the Lower Jingjiang Reach. In order to cover three contributing processes that may interact with each other, the proposed model integrates a one-dimensional morphodynamic module with a two-dimensional module of ground water flow and a bank erosion module for the cantilever failure of a composite riverbank. Model performance was evaluated through a detailed simulation of channel evolution along a 150.8-km subreach in the Jingjiang Reach over the 2005 hydrological year. Satisfying results were obtained from the simulation, showing relatively close agreement between the calculations and measurements in terms of hydrological data at the outlet section, bank erosion sites, longitudinal channel profile and typical cross-sectional profiles. In addition, investigations into temporal changes in bank soil properties and critical overhanging width at cantilever failure demonstrate that there was a seasonal variation in the volumetric water content of bank soil, which increased during the rising and flood periods and then decreased during the recession period, showing an impact on the occurrence timing of cantilever failures. The tensile strength and critical overhanging width had an inverse relationship with the water content, whereas the critical width sharply increased and then decreased during high flows affected by a rapid change in river stage. The temporal distribution of cantilever failure events indicates that cantilever failure primarily occurred in the flood and recession periods. The effects of bed roughness, water content variation and secondary flow on bank erosion were also discussed.