Side-by-side · Q2 2026 data
The Bank of Tampa vs Cogent Bank
Metric by metric
| Measure | The Bank of Tampa | Cogent Bank |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 60 (stronger) | 47 |
| Loan quality | 90 (stronger) | 87 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 42 | 43 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 58th | 66th |
| Total assets | $3.0B | $2.5B |
| Deposits / shares | $2.7B | $2.2B |
| Capital ratio | 10.97% (stronger) | 9.72% |
| Problem loans | 0.29% (stronger) | 0.39% |
| Net charge-offs | 0.03% (stronger) | 0.09% |
| Return on assets | 1.25% | 2.22% (stronger) |
| Loans ÷ deposits | 75.7% (stronger) | 82.5% |
| Uninsured deposits | 53.4% | 46.3% (stronger) |
| Offices | 13 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 8.6% |
Cogent Bank has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Tampa leads on 4 and Cogent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.