Cogent Bank
Orlando, FL · State Bank, Not a Federal Reserve Member · Part of COGENT BCORP INC
Summary
- Total assets: $2.5 billion
- Total deposits: $2.2 billion
- Total loans: $1.8 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 5.5% |
| Multifamily | 1.6% |
| Owner-occupied commercial real estate | 16.4% |
| Non-owner-occupied commercial real estate | 16.1% |
| Residential | 15.6% |
| Commercial & industrial | 39.7% |
| Consumer & other | 5.1% |
Health indicators
- Tier 1 leverage ratio: 9.72%
- Total risk-based capital ratio: 13.01%
- Noncurrent loans: 0.39%
- Net charge-offs: 0.09%
- Return on assets: 2.22%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Orange, FL | 2 | $913 million |
| Lee, FL | 1 | $327 million |
| Duval, FL | 1 | $243 million |
| Hillsborough, FL | 1 | $222 million |
| Collier, FL | 1 | $203 million |
| Pinellas, FL | 1 | $127 million |
| Marion, FL | 1 | $81 million |
| Volusia, FL | 1 | $51 million |
| Manatee, FL | 1 | $23 million |