Cogent Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 127.44 percentage points lower than in Q1 2026, at 298.59%. Among 79 Florida banks, Cogent Bank sits 5th from the top on return on assets, 2.30% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Cogent Bank reported 2.30% on return on assets in Q2 2026, 1.02 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 13.01% |
| Tier 1 leverage ratio | 9.72% |
| Equity capital to assets | 9.92% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 2.78% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 298.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.30% |
| Return on equity | 24.06% |
| Net interest margin | 4.84% |
| Efficiency ratio | 43.62% |
| Yield on earning assets | 6.79% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.45% |
| Core deposits to total deposits | 92.11% |
| Brokered deposits to total deposits | 3.38% |
| Deposits to assets | 89.18% |
| Securities to assets | 18.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.69% | 10.69% | 11.94% | 8.37% | 1.07% |
| Q4 2023 | 9.87% | 9.87% | 11.07% | 8.11% | 0.36% |
| Q1 2024 | 9.56% | 9.56% | 10.68% | 8.05% | 1.24% |
| Q2 2024 | 10.00% | 10.00% | 11.15% | 8.28% | 1.53% |
| Q3 2024 | 10.68% | 10.68% | 11.81% | 8.69% | 1.31% |
| Q4 2024 | 10.86% | 10.86% | 11.88% | 8.88% | 1.29% |
| Q1 2025 | 10.75% | 10.75% | 11.78% | 8.91% | 1.54% |
| Q2 2025 | 10.60% | 10.60% | 11.65% | 8.80% | 1.72% |
| Q3 2025 | 10.15% | 10.15% | 11.30% | 8.71% | 1.46% |
| Q4 2025 | 10.44% | 10.44% | 11.48% | 8.80% | 2.06% |
| Q1 2026 | 10.86% | 10.86% | 11.88% | 9.20% | 2.09% |
| Q2 2026 | 11.95% | 11.95% | 13.01% | 9.72% | 2.30% |
Cogent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cogent Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)