Cogent Bank is a state-chartered bank headquartered in Orlando, Florida, in business for about 27 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.2B in deposits, with 11 offices.
Based on its Q2 2026 filing, Cogent Bank scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 32nd. Its strongest component is earnings (100/100; 2.22%), and its lowest is funding & liquidity (43/100; 83% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (67 → 72), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 62 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 68 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.28% |
| Q3 2024 | 8.69% |
| Q4 2024 | 8.88% |
| Q1 2025 | 8.91% |
| Q2 2025 | 8.80% |
| Q3 2025 | 8.71% |
| Q4 2025 | 8.80% |
| Q1 2026 | 9.20% |
| Q2 2026 | 9.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.39% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.56% |
| Q4 2025 | 1.70% |
| Q1 2026 | 2.11% |
| Q2 2026 | 2.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $2.5B | 9.72% | 0.39% | 2.22% | 82.5% |
| Q1 2026 | 71 | $2.4B | 9.20% | 0.24% | 2.11% | 87.4% |
| Q4 2025 | 68 | $2.4B | 8.80% | 0.19% | 1.70% | 86.7% |
| Q3 2025 | 65 | $2.4B | 8.71% | 0.32% | 1.56% | 87.9% |
| Q2 2025 | 67 | $2.3B | 8.80% | 0.18% | 1.63% | 84.5% |
| Q1 2025 | 68 | $2.1B | 8.91% | 0.16% | 1.54% | 83.9% |
| Q4 2024 | 65 | $2.0B | 8.88% | 0.17% | 1.36% | 86.1% |
| Q3 2024 | 62 | $1.9B | 8.69% | 0.49% | 1.38% | 86.8% |
| Q2 2024 | 60 | $1.9B | 8.28% | 0.53% | 1.40% | 92.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Newtek Bank, National AssociationBank Miami, FL | 41 out of 100, Below average | $2.5B | 8.6% | 7.19% | vs |
| Pibank, National AssociationBank Miami, FL | 63 out of 100, Moderate | $2.4B | 9.7% | 0.13% | vs |
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | vs |
| Climate First BankBank Saint Petersburg, FL | 68 out of 100, Moderate | $1.9B | 9.7% | 0.12% | vs |
| U. S. Century BankBank Doral, FL | 69 out of 100, Moderate | $3.0B | 10.0% | 0.09% | vs |
| The Bank of TampaBank Tampa, FL | 70 out of 100, Strong | $3.0B | 11.0% | 0.29% | vs |
Deposit insurance
Is my money safe at Cogent Bank?
Yes. Cogent Bank is an FDIC-insured institution (FDIC certificate #34908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.3% of deposits ($1.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.01% (benchmark: 10%).
11 locations
Branches
Cogent Bank lists 11 offices in 11 cities. Most locations:
- Bradenton, FL (1)
- Clearwater, FL (1)
- Coral Gables, FL (1)
- Fort Myers, FL (1)
- Jacksonville, FL (1)
- Naples, FL (1)
- Ocala, FL (1)
- Orange City, FL (1)
- Orlando, FL (1)
- Tampa, FL (1)
- Winter Park, FL (1)
HMDA 2025
Mortgage lending
In 2025, Cogent Bank reported 223 home-loan applications under HMDA (LEI 54930046JONFO0FON766): 171 originated ($92,935,000 total), 17 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Cogent Bank
- Former names
- Pinnacle Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34908
- RSSD ID
- 2847142
- Primary regulator
- FDIC
- Holding company
- Cogent Bcorp Inc
- Established
- September 10, 1999
- Headquarters
- 420 S Orange Ave, Orlando, FL 32801
- Website
- www.cogentbank.net
- Employees
- 264
Quick answers
Cogent Bank: common questions
Is Cogent Bank FDIC insured?
Yes. Cogent Bank is an FDIC-insured institution (FDIC certificate #34908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cogent Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cogent Bank ever failed?
There is no failure record for FDIC certificate #34908 in the FDIC failed bank list.
How many branches does Cogent Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Orlando
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Credit UnionCredit union New Rockford, ND | 95 out of 100, Very strong | $171.6M | 17.7% | 0.22% | vs |
| Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL | 89 out of 100, Very strong | $5.5M | 24.2% | 0.00% | vs |
| Portrait BankBank Winter Park, FL | 79 out of 100, Strong | $44.7M | 99.2% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |