Cogent Bank
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Data as of · sourced from FFIEC call reports. How we update
Cogent Bank is an FDIC-insured commercial bank headquartered in Orlando, FL, established in 1999 (FDIC certificate 34908), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.45B, up 8.7% from Q2 2025, the 18th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 11.95% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34908
- Headquarters
- Orlando, FL
- Established
- 1999
- Total assets, Q2 2026
- $2.45B
- Assets vs Q2 2025
- +8.7%
- CET1 ratio, Q2 2026
- 11.95%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 063114661
- Holding company
- COGENT BANCORP, INC.
- Asset rank in state
- 18th of 81 in Florida
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%. The figures come from its call report filed with the FFIEC.
Cogent Bank ranks as the 18th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $2.45B, loans fell 3.8% and deposits rose 1.8%. Commercial and industrial loans made up 39.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.4%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in FL; its Orlando office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cogent Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 10 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cogent Bank's total assets ranged from $1.68B (Q3 2023) to $2.45B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.45B total assets against $2.26B; $2.21B total liabilities against $2.06B.
$1.81B net loans and leases against $1.73B; $2.19B total deposits against $2.05B.
$448.6M securities against $405.8M; $161.7M cash and balances due against $92.2M.
$41.5M total interest income against $36.0M; $11.9M total interest expense against $12.5M.
$29.6M net interest income against $23.5M.
$5.7M total noninterest income against $4.5M; $15.4M total noninterest expense against $14.0M.
$793K provision for credit losses against $1.4M.
$14.2M net income against $9.4M.
2.30% return on assets against 1.72%; 4.84% net interest margin against 4.36%.
11.95% CET1 capital ratio against 10.60%; 9.72% tier 1 leverage ratio against 8.80%.
Inside the full Cogent Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCogent Bank rankings
Its closest position to the top of a national ranking is 244 of 3,611, for ROA; its furthest is 1,725 of 2,134, for CET1 ratio.
Metric pages for Cogent Bank: ROA, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.29% (Q4 2024) to 2.30% (Q2 2026) and its net interest margin ran from 3.99% (Q3 2024) to 4.84% (Q2 2026).
| 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
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in FL, rank 42 of 186 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Cogent Bank headquartered?
It is headquartered in Orlando, FL, United States.
When was Cogent Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Cogent Bank FDIC-insured?
Yes. It 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.
What is Cogent Bank's CET1 capital ratio?
It 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?
It operates 10 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?
Its Texas Ratio is 2.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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