Cogent Bank
Total assets
$2.45B
▲ +8.7% YoY
Deposits
$2.19B
▲ +6.9% YoY
Loans
$1.81B
▲ +4.3% YoY
Offices
11
COGENT BCORP INC
ROA (annualized)
2.22%
peers 1.26%
ROE (annualized)
23.54%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Cogent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +5.5% | +3.2 pts |
| Deposit growth (YoY) | +6.9% | +5.1% | +1.8 pts |
| Loan growth (YoY) | +4.3% | +5.9% | -1.6 pts |
| ROA | 2.22% | 1.26% | +1.0 pts |
| ROE | 23.5% | 12.2% | +11.4 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COGENT BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 420 S Orange Ave, Orlando, FL, 32801
- County
- Orange
- Metro area
- Orlando-Kissimmee-Sanford, FL
- Offices
- 11
- FDIC cert #
- 34908
- RSSD ID
- 2847142
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.45B | $2.19B | $1.81B | $243.5M | $27.1M | 2.22% | 4.77% | 0.29% |
| Q1 2026 | $2.44B | $2.15B | $1.88B | $229.2M | $12.9M | 2.11% | 4.63% | 0.19% |
| Q4 2025 | $2.44B | $2.18B | $1.89B | $217.8M | $38.2M | 1.70% | 4.53% | 0.15% |
| Q3 2025 | $2.42B | $2.12B | $1.86B | $205.3M | $25.7M | 1.56% | 4.41% | 0.25% |
| Q2 2025 | $2.26B | $2.05B | $1.73B | $195.8M | $17.3M | 1.63% | 4.39% | 0.14% |
| Q1 2025 | $2.13B | $1.93B | $1.62B | $185.7M | $7.9M | 1.54% | 4.44% | 0.12% |
| Q4 2024 | $1.97B | $1.78B | $1.54B | $175.3M | $25.7M | 1.36% | 4.17% | 0.13% |
| Q3 2024 | $1.93B | $1.74B | $1.51B | $170.0M | $19.3M | 1.38% | 4.02% | 0.39% |
Loan mix (Q2 2026): real estate $1.01B · commercial $725.2M · consumer $12.6M · securities $448.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Cogent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 23.5% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.70% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.4% | 59.0% | 13th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Cogent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Cogent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Cogent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Cogent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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