B
Cogent Bank
Orlando,  FL
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Cogent Bank
Orlando, FL
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Rating B
Asset Quality Index 8.10
Capitalization Index 8.10
Liquidity Index 2.80
Profitability Index 9.70
Stability Index 6.30
Company Info Cogent Bank
Orlando, FL
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FDIC Number 34908
Phone Number (407) 545-2662
Website www.cogentbank.com
Asset Quality Cogent Bank
Orlando, FL
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1-Year Asset Growth 8.69%
5-Year Asset Growth 49.85%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 2.42%
Non-Performing Loans to Loans 0.38%
Balance Sheet Cogent Bank
Orlando, FL
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Total Assets 2.45B
Total Deposits 2.19B
Capital and Reserves Cogent Bank
Orlando, FL
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Capital 243.50M
Leverage Ratio 9.72
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 13.01
Liquidity Cogent Bank
Orlando, FL
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Hot Money Ratio 8.91%
Liquidity Ratio 25.70%
Profitability Cogent Bank
Orlando, FL
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5-Year Return on Average Assets 1.27%
Net Income 27.09M
Net Interest Spread 4.71%
Operating Profit to Average Assets 2.94%
Overhead Efficiency Ratio 45.44%
Return on Assets 2.19%
Return on Equity 23.57%