Side-by-side · Q2 2026 data
Pibank, National Association vs Cogent Bank
Metric by metric
| Measure | Pibank, National Association | Cogent Bank |
|---|---|---|
| TellerScore | 63 | 72 (stronger) |
| Capital cushion | 47 | 47 |
| Loan quality | 96 (stronger) | 87 |
| Earnings | 1 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 43 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 30th | 66th |
| Total assets | $2.4B | $2.5B |
| Deposits / shares | $2.1B | $2.2B |
| Capital ratio | 9.71% | 9.72% (stronger) |
| Problem loans | 0.13% (stronger) | 0.39% |
| Net charge-offs | 0.05% (stronger) | 0.09% |
| Return on assets | -0.49% | 2.22% (stronger) |
| Loans ÷ deposits | 53.3% (stronger) | 82.5% |
| Uninsured deposits | 9.9% (stronger) | 46.3% |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 8.6% |
Cogent Bank has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Pibank, National Association leads on 4 and Cogent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.