COGENT BANK

ORLANDO, FL | Large | Est. Sept. 10, 1999, midnight | FDIC #34908 | RSSD #2847142 | FDIC
Latest Report: 2025-12-31

COGENT BANK is aln large FDIC-insured commercial bank headquartered in ORLANDO, FL, established in Sept. 10, 1999, midnight. As of 2025-12-31, the bank reported total assets of $2.4B and total deposits of $2.2B. Profitability stands at 2.06% ROA and 23.66% ROE, with a net interest margin of 5.11%. The bank's CET1 capital ratio is 10.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.54%. FDIC Certificate #34908.

Assets

$2.4B

Deposits

$2.2B

Loans

$1.9B

Equity

$218M

Profitability

Return on Assets (ROA) 2.06%
Return on Equity (ROE) 23.66%
Net Interest Margin (NIM) 5.11%
Yield on Assets 7.40%
Cost of Funds 3.43%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.11%
Texas Ratio 1.54%
NPA Ratio 0.15%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 10.44%
Tier 1 Capital 10.44%
Total Capital Ratio 11.48%
Leverage Ratio 8.80%
Loan-to-Deposit 87.63%

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