Side-by-side · Q2 2026 data
Cogent Bank vs U. S. Century Bank
Metric by metric
| Measure | Cogent Bank | U. S. Century Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 47 | 50 (stronger) |
| Loan quality | 87 | 97 (stronger) |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 43 (stronger) | 24 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 66th | 53rd |
| Total assets | $2.5B | $3.0B |
| Deposits / shares | $2.2B | $2.5B |
| Capital ratio | 9.72% | 9.97% (stronger) |
| Problem loans | 0.39% | 0.09% (stronger) |
| Net charge-offs | 0.09% | 0.03% (stronger) |
| Return on assets | 2.22% (stronger) | 1.49% |
| Loans ÷ deposits | 82.5% (stronger) | 92.5% |
| Uninsured deposits | 46.3% (stronger) | 54.3% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 1.9% |
Cogent Bank has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cogent Bank leads on 4 and U. S. Century Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.