Side-by-side · Q2 2026 data
Cogent Bank vs First Colony Bank of Florida
Metric by metric
| Measure | Cogent Bank | First Colony Bank of Florida |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 47 | 49 (stronger) |
| Loan quality | 87 | 94 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 43 | 76 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 66th | 75th |
| Total assets | $2.5B | $291.1M |
| Deposits / shares | $2.2B | $262.4M |
| Capital ratio | 9.72% | 9.94% (stronger) |
| Problem loans | 0.39% | 0.17% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 2.22% (stronger) | 2.07% |
| Loans ÷ deposits | 82.5% | 75.5% (stronger) |
| Uninsured deposits | 46.3% | 23.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
First Colony Bank of Florida has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Cogent Bank leads on 1 and First Colony Bank of Florida on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.