Cogent Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 13.3% higher than in Q1 2026, at $121.2M. Cogent Bank ranks 47th of 56 Florida banks on CET1 ratio, in the lower half at 11.95% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Cogent Bank sits 1.53 points lower, at 11.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 13.01% |
| Tier 1 leverage ratio | 9.72% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $240.6M |
| Tier 1 capital | $240.6M |
| Total risk-based capital | $261.8M |
| Total equity capital | $243.5M |
| Risk-weighted assets | $2.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.92% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 24.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $38.9M |
| Common stock surplus | $82.6M |
| Retained earnings | $121.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $742K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.69% | 10.69% | 11.94% | 8.37% | $1.31B |
| Q4 2023 | 9.87% | 9.87% | 11.07% | 8.11% | $1.43B |
| Q1 2024 | 9.56% | 9.56% | 10.68% | 8.05% | $1.54B |
| Q2 2024 | 10.00% | 10.00% | 11.15% | 8.28% | $1.58B |
| Q3 2024 | 10.68% | 10.68% | 11.81% | 8.69% | $1.57B |
| Q4 2024 | 10.86% | 10.86% | 11.88% | 8.88% | $1.61B |
| Q1 2025 | 10.75% | 10.75% | 11.78% | 8.91% | $1.70B |
| Q2 2025 | 10.60% | 10.60% | 11.65% | 8.80% | $1.82B |
| Q3 2025 | 10.15% | 10.15% | 11.30% | 8.71% | $1.98B |
| Q4 2025 | 10.44% | 10.44% | 11.48% | 8.80% | $2.05B |
| Q1 2026 | 10.86% | 10.86% | 11.88% | 9.20% | $2.08B |
| Q2 2026 | 11.95% | 11.95% | 13.01% | 9.72% | $2.01B |
Cogent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cogent Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cogent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34908) · FFIEC NIC profile (RSSD 2847142)