Cogent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cogent Bank of Orlando, FL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.30% | 1.43% | +0.87% | 94th top |
| ROAE | 24.06% | 12.49% | +11.57% | 95th top |
| Net Interest Margin | 4.84% | 3.84% | +1.00% | 93rd top |
| Efficiency Ratio | 43.62% | 58.89% | -15.27% | 89th top |
| PPNR / Avg Assets | 3.19% | 1.78% | +1.41% | 96th top |
| Yield on Earning Assets | 6.79% | 5.71% | +1.08% | 94th top |
| Cost of Funds | 2.16% | 2.03% | +0.13% | 39th below |
| Net Interest Spread | 3.81% | 3.18% | +0.63% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.96% | -0.58% | 67th above |
| NPA / Total Assets | 0.28% | 0.75% | -0.47% | 67th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.19% | 0.31% | -0.12% | 19th bottom |
| ACL / Total Loans | 1.12% | 1.25% | -0.13% | 46th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 298.59% | 699.28% | -400.69% | 69th above |
| Texas Ratio | 2.78% | 7.17% | -4.39% | 68th above |
| Provision / NCO | 89.87% | 815.49% | -725.62% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.95% | 17.41% | -5.46% | 23rd bottom |
| Tier 1 Ratio | 11.95% | 17.45% | -5.50% | 23rd bottom |
| Total Capital Ratio | 13.01% | 18.51% | -5.50% | 22nd bottom |
| Leverage Ratio | 9.72% | 11.60% | -1.88% | 29th below |
| Equity / Assets | 9.92% | 11.33% | -1.41% | 41st below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.87% | 10.65% | -0.78% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.45% | 86.35% | -2.90% | 63rd above |
| Core Deposit Ratio | 92.11% | 85.55% | +6.56% | 69th above |
| Uninsured Deposit Ratio | 46.27% | 32.69% | +13.58% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.69% | 10.46% | -1.77% | 70th above |
| Loan Growth (Y/Y) | 4.39% | 8.00% | -3.61% | 42nd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.86% | 7.98% | -1.12% | 62nd above |
See Cogent Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cogent Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cogent Bank profile, how to read a UBPR, or how this data updates.