Cogent Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 101.3% higher than in Q1 2026, at $161.7M. Cogent Bank ranks 30th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 83.45% (Q2 2026). Cogent Bank reported 83.45% on loan-to-deposit ratio for Q2 2026, 4.75 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $161.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $610.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.45% |
| Net loans and leases to deposits | 82.52% |
| Loans and leases to core deposits | 87.39% |
| Core deposits to total deposits | 92.11% |
| Brokered deposits to total deposits | 3.38% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.45% | 91.65% | $0 | $11.0M |
| Q4 2023 | 90.40% | 92.12% | $0 | $40.0M |
| Q1 2024 | 91.01% | 89.83% | $0 | $30.0M |
| Q2 2024 | 93.44% | 88.41% | $0 | $104.0M |
| Q3 2024 | 87.82% | 88.79% | $0 | $0 |
| Q4 2024 | 87.01% | 88.44% | $0 | $0 |
| Q1 2025 | 84.74% | 89.60% | $0 | $0 |
| Q2 2025 | 85.43% | 91.36% | $0 | $0 |
| Q3 2025 | 88.96% | 91.89% | $0 | $74.0M |
| Q4 2025 | 87.63% | 91.84% | $0 | $20.0M |
| Q1 2026 | 88.31% | 91.36% | $0 | $44.0M |
| Q2 2026 | 83.45% | 92.11% | $0 | $0 |
Cogent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cogent Bank, freeSource: Call Report Schedules RC and RC-M, 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)