Cogent Bank
Orlando, FL
IDRSSD: 2847142
Total Assets
$2.42B
Latest filing
Total Deposits
$2.12B
Latest filing
Net Interest Margin
4.45%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cogent Bank
420 S Orange Ave
Orlando, FL 32801
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/10/1999FDIC Certificate 61971
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Cogent Bank (Main) | 420 S Orange Ave | Orlando, FL |
| JACKSONVILLE BRANCH | 5011 Gate Pkwy Bldg 100 | Jacksonville, FL |
| TAMPA BRANCH | 1715 N West Shore Blvd | Tampa, FL |
| CLEARWATER BRANCH | 28059 Us Highway 19 N | Clearwater, FL |
| FT. MYERS BRANCH | 14421 Metropolis Ave | Fort Myers, FL |
| ORANGE CITY BRANCH | 1113 Saxon Blvd | Orange City, FL |
| NAPLES BRANCH | 999 Vanderbilt Beach Rd | Naples, FL |
| WINTER PARK BRANCH | 655 W Morse Blvd | Winter Park, FL |
Showing 7 of 9
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
One Florida Bank
Orlando, Florida
→
Assets: $1.93BΔ -14.5%
Sunrise Bank
Orlando, Florida
→
Assets: $596.33MΔ -73.6%
Crews Bank & Trust
Wauchula, Florida
→
Assets: $2.27BΔ +0.5%
U. S. Century Bank
Doral, Florida
→
Assets: $2.72BΔ +20.4%
The Bank of Tampa
Tampa, Florida
→
Assets: $3.01BΔ +33.1%
Grove Bank & Trust
Miami, Florida
→
Assets: $1.42BΔ -37.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/10/1999 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 32801 |
| State and County Number | 12095 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Orlando-Kissimmee-Sanford, FL |
Operational Info
| Number of Employees | 244 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/10/1999 |
| Primary Insurance Agency | DIF |
| Website | WWW.cogentbank.net |
| Data Updated | 11/14/2025 |
| CERT | 34908 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.42B |
| Total Deposits | $2.12B |
| Total Liabilities | $2.21B |
| Total Equity Capital | $205.30M |
| Net Income | $8.42M |
| Net Loans and Leases | $1.86B |
| Assets Per Employee ($Millions) | $9.41M |
| Bank Premises and Fixed Assets | $9.51M |
| Cash and Balances due from Depository Institutions | $99.44M |
| Deposits Held in Domestic Offices | $2.12B |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 16.79% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 47.82% |
| Tier 1 Risk-Based Capital Ratio | 10.149% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.65% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.49% |
| Earning Assets to total Assets | 98.2% |
Income and Expense
| Total Interest Income | $38.96M |
| Total Noninterest Income | $3.30M |
| Total Interest Expense | $13.39M |
| Total Noninterest Expense | $13.80M |
| Net Interest Income | $25.57M |
| Pre-tax Net Operating Income | $11.27M |
| Provision for Credit Losses | $3.79M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $74.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $20.30M |
| Total Liabilities and Capital | $2.42B |
Securities
| Securities | $419.26M |
| Available-for-sale debt securities | $419.26M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cogent Bank?
$2.42B as of the latest filing.
How much are Cogent Bank's total deposits?
$2.12B in total deposits.
Where is Cogent Bank located?
Orlando, FL.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
9.
When was it established?
09/10/1999.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$1.86B (latest filing).
What is the total interest income (latest filing)?
$38.96M.