Cogent Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Cogent Bank is one of the more profitable banks of its size. Its balance sheet stood at $2.5 billion at June 30, 2026, up 8.7% from a year earlier; it is based in Orlando, Florida. It earns about $2.30 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 4.84 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 44 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $14 million, 51% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.34% of loans, against 0.18% a year earlier. Funding is the softer spot: it holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Cogent Bank reported a CET1 capital ratio of 11.95%, a return on assets of 2.30%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 420 S Orange Ave, Orlando, FL 32801
- County
- Orange
- Metro Area
- Orlando-Kissimmee-Sanford, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 10, 1999
- Offices
- 11 domestic
- Employees (FTE)
- 264
- Domestic deposits
- $2.19B
- Allowance for credit losses
- $20.5M
- Net charge-offs (YTD)
- $859K
- Average total assets
- $2.48B
- Average total loans
- $1.81B
- Average interest-bearing deposits
- $1.61B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 10, 1999
- FDIC Cert
- 34908
- Fed RSSD
- 2847142
- SEC CIK
- 1921652 → filed by COGENT BANCORP, INC.
- Website
- WWW.cogentbank.net →
- Parent Holding Company
- COGENT BANCORP, INC. (RSSD 3458040)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cogent Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cogent Bank, freeCogent Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Cogent Bank: ROA, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 2.30% | 0.39% | 2.36% | 4.84% |
| Q1 2026 | 10.86% | 2.09% | 0.24% | 1.50% | 4.58% |
| Q4 2025 | 10.44% | 2.06% | 0.19% | 1.54% | 4.76% |
| Q3 2025 | 10.15% | 1.46% | 0.32% | 2.62% | 4.50% |
| Q2 2025 | 10.60% | 1.72% | 0.18% | 1.45% | 4.36% |
| Q1 2025 | 10.75% | 1.54% | 0.16% | 1.26% | 4.44% |
| Q4 2024 | 10.86% | 1.29% | 0.17% | 1.37% | 4.55% |
| Q3 2024 | 10.68% | 1.31% | 0.49% | 4.05% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cogent Bank (main office) | Orlando , FL | 32801 | $559.8M |
| Winter Park Branch | Winter Park , FL | 32789 | $353.1M |
| Ft. Myers Branch | Fort Myers , FL | 33912 | $326.5M |
| Jacksonville Branch | Jacksonville , FL | 32256 | $243.0M |
| Tampa Branch | Tampa , FL | 33607 | $221.5M |
| Naples Branch | Naples , FL | 34108 | $202.9M |
| Clearwater Branch | Clearwater , FL | 33761 | $127.0M |
| Ocala Branch | Ocala , FL | 34471 | $81.1M |
| Orange City Branch | Orange City , FL | 32763 | $51.0M |
| Bradenton Banking Center Branch | Bradenton , FL | 34205 | $22.7M |
Regulatory record
What the public regulatory sources show for Cogent Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in FL, rank 42 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 224 applications, 171 loans originated, $92.9M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 27 loans, $31.9M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cogent Bank
What are Cogent Bank's total assets?
As of the Q2 2026 filing, Cogent Bank reported total assets of $2.45 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cogent Bank headquartered?
Cogent Bank is headquartered in Orlando, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Cogent Bank founded?
Cogent Bank was established in 1999, per the FDIC institution directory.
Is Cogent Bank FDIC-insured?
Yes. Cogent Bank is an FDIC-insured commercial bank (FDIC Certificate #34908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cogent Bank?
Cogent Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cogent Bank's CET1 capital ratio?
Cogent Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cogent Bank operate?
Cogent Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cogent Bank's Texas Ratio?
Cogent Bank's Texas Ratio is 2.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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