Cogent Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.48 percentage points in Q2 2026, from 185.16% to 173.68%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Cogent Bank is 30th of 81 on loan-to-deposit ratio, 83.45% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cogent Bank sits 4.75 points lower, at 83.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.83B |
| Net loans and leases | $1.81B |
| Loans held for sale | $2.3M |
| Loans to total assets | 74.43% |
| Loan-to-deposit ratio | 83.45% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.50% |
| Multifamily (5+ residential) | 1.57% |
| Commercial and industrial | 39.70% |
| Consumer | 0.69% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.68% |
| Construction concentration (Tier 1 capital + allowance) | 38.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.19% |
| Interest income on loans | $32.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.38B | $1.52B | 33.08% | 33.20% | 0.24% |
| Q4 2023 | $1.42B | $1.57B | 33.29% | 33.15% | 0.23% |
| Q1 2024 | $1.52B | $1.68B | 33.03% | 32.62% | 0.19% |
| Q2 2024 | $1.55B | $1.66B | 32.35% | 34.99% | 0.25% |
| Q3 2024 | $1.53B | $1.74B | 34.15% | 35.95% | 0.24% |
| Q4 2024 | $1.55B | $1.78B | 33.66% | 36.15% | 0.26% |
| Q1 2025 | $1.64B | $1.93B | 34.48% | 35.66% | 0.57% |
| Q2 2025 | $1.75B | $2.05B | 32.61% | 39.80% | 0.53% |
| Q3 2025 | $1.88B | $2.12B | 32.09% | 40.74% | 0.69% |
| Q4 2025 | $1.91B | $2.18B | 33.38% | 40.27% | 0.72% |
| Q1 2026 | $1.90B | $2.15B | 32.89% | 38.08% | 0.41% |
| Q2 2026 | $1.83B | $2.19B | 32.50% | 39.70% | 0.69% |
Cogent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cogent Bank, freeSource: Call Report Schedule RC-C, 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)