What is Cogent Bank's financial health grade?

Cogent Bank has a TFS Financial Health Grade of C (score: 74.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Cogent Bank have?

Cogent Bank has 10 branch locations across the United States.

Is Cogent Bank FDIC insured?

Yes, Cogent Bank is FDIC insured (Certificate #34908).

What are the total assets of Cogent Bank?

Cogent Bank has total assets of $2.4B as reported in its most recent FDIC filing.

Cogent Bank

BankOrlando, Florida

WWW.cogentbank.net

Total Assets

$2.4B

Total Deposits

$2.2B

Branches

Established

1999

TFS Health Grade

74.8 / 100

Average financial health

How we grade

Cogent Bank is a bank headquartered in Orlando, Florida, established in 1999. With $2.4B in total assets and 10 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.80%(8%)

Total Capital Ratio

11.48%(10%)

Non-Performing Loan Ratio

0.19%

Profitability

Return on Assets (ROA)

1.70%(1%)

Return on Equity (ROE)

19.50%(10%)

Net Interest Margin

4.53%

Efficiency Ratio

49.90%(60%)

Lending & Liquidity

Total Loans

$1.9B

Loan-to-Deposit Ratio

86.69%

Net Charge-Off Ratio

0.11%

Growth

Asset Growth (YoY)

+23.38%

Deposit Growth (YoY)

+21.95%

Net Income

$38.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Cogent BankHQ	420 S Orange Ave	Orlando	FL	11
Cogent Bank	1001 3rd Ave W	Bradenton	FL	11
Cogent Bank	28059 Us Highway 19 N	Clearwater	FL	11
Cogent Bank	14421 Metropolis Ave	Fort Myers	FL	11
Cogent Bank	5011 Gate Pkwy Bldg 100	Jacksonville	FL	11
Cogent Bank	999 Vanderbilt Beach Rd	Naples	FL	11
Cogent Bank	4 Se Broadway Street	Ocala	FL	11
Cogent Bank	1113 Saxon Blvd	Orange City	FL	11
Cogent Bank	1715 N West Shore Blvd	Tampa	FL	11
Cogent Bank	655 W Morse Blvd	Winter Park	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.