Bank Comparison
Cogent Bank vs U.S. Century Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Cogent Bank | U.S. Century Bank |
|---|---|---|
| CET1 Ratio | 10.86% | 12.74% |
| Tier 1 Capital Ratio | 10.86% | 12.74% |
| Total Capital Ratio | 11.88% | 13.96% |
| Tier 1 Leverage Ratio | 9.20% | 9.88% |
| Equity / Assets | 9.37% | 9.01% |
Profitability
| Metric | Cogent Bank | U.S. Century Bank |
|---|---|---|
| Return on Assets (ROA) | 2.09% | 1.54% |
| Return on Equity (ROE) | 23.04% | 17.47% |
| Net Interest Margin (NIM) | 4.58% | 3.31% |
| Yield on Earning Assets | 6.58% | 5.36% |
| Cost of Funds | 2.23% | 2.23% |
Asset quality
| Metric | Cogent Bank | U.S. Century Bank |
|---|---|---|
| Texas Ratio | 1.95% | 1.52% |
| Non-Performing Loan Ratio | 0.25% | 0.19% |
| Non-Performing Asset Ratio | 0.20% | 0.15% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.08% | 1.16% |
Balance sheet
| Metric | Cogent Bank | U.S. Century Bank |
|---|---|---|
| Total Assets | $2,444M | $2,842M |
| Total Deposits | $2,150M | $2,512M |
| Total Loans | $1,898M | $2,241M |
| Total Equity | $229,196K | $256,161K |
| Net Income (quarter) | $12,873K | $11,016K |
Liquidity & funding
| Metric | Cogent Bank | U.S. Century Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.31% | 89.19% |
| Core Deposit Ratio | 95.60% | 90.85% |
| Uninsured Deposit Ratio | 45.30% | 53.89% |
Identity
| Metric | Cogent Bank | U.S. Century Bank |
|---|---|---|
| Headquarters City | ORLANDO | MIAMI |
| Headquarters State | FL | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 10 |
| Employees (FTE) | 263 | 211 |
| Established | Sept. 10, 1999, midnight | Oct. 28, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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