Cogent Bank
Orlando, FL
IDRSSD: 2847142
Total Assets
$2.44B
Latest filing
Total Deposits
$2.18B
Latest filing
Net Interest Margin
4.78%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
063114661ORANGE CITY, FL
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 257 |
| Domestic Offices | 10 |
| 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 | 01/30/2026 |
| CERT | 34908 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.44B |
| Total Deposits | $2.18B |
| Total Liabilities | $2.22B |
| Total Equity Capital | $217.81M |
| Net Income | $12.51M |
| Net Loans and Leases | $1.89B |
| Assets Per Employee ($Millions) | $9.59M |
| Bank Premises and Fixed Assets | $11.82M |
| Cash and Balances due from Depository Institutions | $78.53M |
| Deposits Held in Domestic Offices | $2.18B |
Key Performance Ratios
| Return on Assets (ROA) | 2.06% |
| Return on Equity (ROE) | 23.66% |
| Net Interest Margin | 4.78% |
| Efficiency Ratio | 46.6% |
| Tier 1 Risk-Based Capital Ratio | 10.444% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.942% |
| Earning Assets to total Assets | 98.31% |
Income and Expense
| Total Interest Income | $41.33M |
| Total Noninterest Income | $2.85M |
| Total Interest Expense | $12.81M |
| Total Noninterest Expense | $14.62M |
| Net Interest Income | $28.51M |
| Pre-tax Net Operating Income | $15.50M |
| Provision for Credit Losses | $1.25M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $21.68M |
| Total Liabilities and Capital | $2.44B |
Securities
| Securities | $433.55M |
| Available-for-sale debt securities | $433.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$2.44B as of the latest filing.
How much are Cogent Bank's total deposits?
$2.18B in total deposits.
Where is Cogent Bank located?
Orlando, FL.
What is the Net Interest Margin?
4.78%.
How many domestic offices does it operate?
10.
When was it established?
09/10/1999.
What is the Return on Assets (ROA)?
2.06%.
How much are total loans and leases?
$1.89B (latest filing).
What is the total interest income (latest filing)?
$41.33M.