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Cogent Bank
Orlando, FL · FDIC Certificate #34908 · Chartered 09/1
Total assets
$2.45B
Total deposits
$2.19B
Total equity
$243.50M
Net loans
$1.81B
Branches (offices)
10
Net income (YTD)
$27.09M
Rank: #508 of 4,213 U.S. banks by assets · #18 of 81 in Florida. Assets changed 8.7% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.22% |
| Return on equity | 23.54% |
| Net interest margin (YTD) | 4.77% |
| Equity to assets | 9.92% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 46.3% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 82.5% |
| Real estate loans (share of loans) | 55.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.01B | 55.9% | |
| Commercial & industrial | $725.18M | 40.2% | |
| Consumer / individual | $12.57M | 0.7% | |
| Construction & development | $101.32M | 5.6% | |
| Agricultural | $1.11M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.25B | $1.13B | $5.71M | $110.16M |
| Jun 2023 | $1.61B | $1.45B | $10.72M | $131.13M |
| Jun 2024 | $1.93B | $1.66B | $13.00M | $156.58M |
| Jun 2025 | $2.26B | $2.05B | $17.30M | $195.75M |
| Jun 2026 | $2.45B | $2.19B | $27.09M | $243.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $2.19B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.19B.
Similar-sized banks
Somerset Trust Company ($2.47B) · Traditional Bank, Inc. ($2.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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