# COGENT BANK
ORLANDO, FL · FDIC certificate 34908 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.45B | |
| Deposits | $2.19B | |
| Loans and leases | $1.83B | |
| Total equity | $243.5M | |
| Loans / deposits | 82.52% (p38 of band) | 87.10% |
| Liquid assets / assets | 24.87% (p64 of band) | |
| Uninsured deposits / deposits | 46.27% (p85 of band) | 30.76% |
| Brokered deposits | 3.01% | |
| Wholesale funding | 3.01% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.72% (p29 of band) | 10.50% |
| Unrealized securities loss / equity | 0.41% (p99 of band) | -7.75% |
| AOCI / equity | -0.70% (p26 of band) | |
| ROA (annualized) | 2.22% (p93 of band) | 1.26% |
| Net interest margin | 4.77% (p92 of band) | 3.70% |
| Efficiency ratio | 45.44% (p14 of band) | |
| Noncurrent loans | 0.39% (p39 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p69 of band) | |
| Reserve coverage of noncurrent | 291.41% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 41.61% (p44 of band) | |
| Auto loans | $612,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 264 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 6 | wholesale funding >15%, charge-offs p90 |  |
| 2011-12 | 9 | leverage <5%, expense ratio p90, construction >100% equity | wholesale funding >15% |
| 2012-03 | 9 | NIM <2.5%, deposits shrinking | losing money, expense ratio p90 |
| 2012-06 | 9 | losing money | NIM <2.5% |
| 2012-09 | 8 | assets shrinking | construction >100% equity, losing money |
| 2012-12 | 13 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, construction >100% equity |  |
| 2013-03 | 10 |  | losing money, expense ratio p90, construction >100% equity |
| 2013-06 | 15 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90, construction >100% equity |  |
| 2013-09 | 16 | capital falling |  |
| 2013-12 | 14 |  | deposits shrinking, assets shrinking |
| 2014-03 | 13 | uninsured deposits leaving | brokered >10%, AOCI drag >20% of equity |
| 2014-06 | 12 |  | uninsured deposits leaving |
| 2014-09 | 12 |  |  |
| 2014-12 | 12 | deposits shrinking, assets shrinking | securities losses >30% of equity, capital falling |
| 2015-03 | 11 |  | charge-offs p90 |
| 2015-06 | 13 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2015-09 | 13 |  |  |
| 2015-12 | 11 |  | deposits shrinking, assets shrinking |
| 2016-03 | 9 | deposits shrinking, assets shrinking | wholesale funding >15%, construction >100% equity, securities losses >30% of equity, uninsured deposits leaving |
| 2016-06 | 9 |  |  |
| 2016-09 | 8 |  | reserve under noncurrent |
| 2016-12 | 9 | securities losses >30% of equity |  |
| 2017-03 | 7 |  | losing money, expense ratio p90 |
| 2017-06 | 5 |  | noncurrent p90, securities losses >30% of equity |
| 2017-09 | 8 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2017-12 | 8 | securities losses >30% of equity, losing money | capital falling, uninsured deposits leaving |
| 2018-03 | 9 | AOCI drag >20% of equity |  |
| 2018-06 | 1 |  | leverage <7%, leverage <5%, assets shrinking, expense ratio p90, securities losses >30% of equity, losing money, AOCI drag >20% of equity |
| 2018-09 | 1 | expense ratio p90 | deposits shrinking |
| 2018-12 | 2 | losing money |  |
| 2019-03 | 3 | brokered >10% |  |
| 2019-06 | 3 | capital falling | brokered >10% |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | losing money |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 4 | loans exceed deposits, wholesale funding >15% | losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 | uninsured deposits >50% | expense ratio p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | run vulnerability |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | charge-offs p90 |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | capital falling, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-04 [From $130M to $2.4B in under a decade, what's next for Cogent Bank in Northeast Florida - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWnJFdUhEQ0xJZU4zMmJibGJxa2l3bGgzLVBzUUlld09YR19GZy04WGJCeTdmX2Nab2RpTTVvNGJJNmZHZzB5ZExQSm5peElKaG8weThYYncyOUlOZ2hWQzRlSzVGZUNESFpyaUYzMWQ5T25rNFJEY2lRWnZDcTZZV0xSUmJiaWh5RnpnTFlqNmc3dzdyczhQUnpZRlp5LTA?oc=5) · The Business Journals
- 2026-01-27 [Cogent Bank takes minority stake in Everpath Partners - TBBW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWGR6TWxhVVpNRGwxamowRXVienU3NEwxc0gyOXVxbW1KR0Z2VDUtdXJoMktDODhqV0QyTlR0YjA2OFI1enFYemFDbXo3Y3c2a1ZXSkI2d1BBbU9aN2Q0MDFxaEJ3ZHdDaEF3V1hyLUJ6bG1kQkowWURjQ2hWOEdrWnc5cFJTa3l5?oc=5) · TBBW
- 2026-06-01 [Cogent Bank: 2026 Women Who Move The City - Orlando Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE1xVWFHXzVkcVpCNWd6TENDMm5LalU1cEM5azdMcmxhZXpsZVZiWWRtU2pzZVBNZjNQVmFzYjFtZE14dW1mQS1KaEhoYW9LREs5Y0twaVRzcXJHelhkczgtNExUejBLXzROUkFDZFdKNDVHY2Y2VUQwVmI2ZjQxUQ?oc=5) · Orlando Magazine
- 2025-10-09 [Cogent Bank surpasses $500M in Southwest Florida assets - Gulfshore Business](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQUEVQMmtNQnJHekZZV2VTaWxqZEhkLV8wbnNJN3pXdkpEQ0dPNXJ4Q3FVajEtLVBabl9oSy1jX1ktNzVSN1hkV1k1d3czV3NlTThaTjhsS202cVFOSEJqSUZVRzJLUFpvd1k0QmR5Zi1TQ3gyQTNmUzhBVzZiTlZmNzdmVkVHdGExX0hERnFqbE9wVi1qaXRfRVBob0UzQ2kzLTlPS3JEX1V6WUpsaUcyWGwzU25PRTBCRGtaMEVzamNMWVN3aXU1aHpDdzRLakpGR0xNM0x2d0ZqZWxVSTdOSw?oc=5) · Gulfshore Business
- 2026-08-13 [Orlando bank with Jax presence announces new partnership with Embarc - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQR056LU9MVk5UNHE4M0tDdU42S3dpTEw1Mnd1aDdpY2hzUHdtTWhrZVRLa1NiQS1BYU1ZdjdBNjRlQzh6MU43dVQ5Mnl2RWNLVjNNU2FvYWppbDFwamk2YUlwcFZMRUI1Y0F6OFJ3ckFVVGFPdW0wcWVUeV9WV2RnY3BFcFlJaEQ1M2pwMTZzc1JxN0JqMDlUdlR5QlRodHM?oc=5) · The Business Journals
- 2025-10-09 [SWFL bank surpasses $500M in assets in five years - Business Observer](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZkM2a21ZNVpma0RiR29LQjdUQllPeUR1Z1ZhWmZyNERnRDViUGI1NTRMeE5yb3JmbWdlNHBNcmdzTzg3WVV5b2hjTjVDVGxoSVFEa3YtR0I4a3pkbXhIWkRRTlpmT1dYM2g2cmNQSXBOeUdVMUYza3Bqa2U3TUlyZE5oWjFmZw?oc=5) · Business Observer
- 2022-07-29 [How Cogent Bank treats cannabis account holders like ‘any other client’ - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxPcnBHeFk4S0pSMnRZUWZUSERvOFZ1OVZMMENMX1VQd1JPcFRqTDNGdVUyMTBrZ2FmNE9LeUhuNkNWeE15TkRTOHEtaXpCTXJLQ0MxYzNuZElJT2tvTExacnhrTms1dEZ0WFVac3JzS3NvOWJvNk9oOU1Ta243anJmdkJnZzlRV193X2ppTmtWTTRlSlVDRnlUcnhadUJmZVFuT2RBQWkzcEZoRDdBWTNn?oc=5) · Banking Dive
- 2026-01-27 [Fed exec's economic forecast prompts audience questions - Gulfshore Business](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQMmpsZG5EZ2QwS0phXzVyT3NZMmc1Y1JPeEhIaS1uUG5JX2FaNGxzUG1xNllzOEhvdFQ4ZUMtY0phbk9QS3J0dl9IUTVLQy1kM05DbDVXcURrT0JEVjZDay10a21obDFFS2NKSnhFcHlBaXBJUWxJNE9nM01sdkNadDhZRDliUTVuNVMyU3BXVUpyMzZJbnI1dEFVQW11Z2tUcWMxYWdjN3pkNEVoOE94MkNoX09scGtOQUczdWc3M3U5R0hOeGpEWkZjNTNtaXdLT3U5M1pzd2Qwc3M?oc=5) · Gulfshore Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34908 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "34908", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide