← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Cogent Bank

Orlando, Florida · $2.45B in assets · beside the 11 other Florida banks between $1B and $3B

The filing

+4.4%
Loans, year over year
12th of 12, largest first
161.8%
CRE / capital
1st of 12
0.39%
NPA / loans
11th of 12

Cogent Bank is the second largest of the 12 Florida banks nearest its size between $1B and $3B, with $2.45B in assets at 30 June 2026. Loans are 83.5% of deposits, 7th of 12 against a median of 78.8%, and equity is 9.9% of assets, 3rd of 12. Loans grew +4.4% in the year, the slowest in the cohort, and deposits grew 6.9%; the cohort's median loan growth is +11.3%.

Noncurrent loans are 0.39% of the book, 11th of 12 against a median of 0.17%; 0.16% is 30 to 89 days past due, and the allowance covers them 2.9 times. Commercial real estate is 23.2% of loans, 2nd of 12 against a median of 43.4%, and 162% of capital, below the 300% screen, with construction at 39% against the 100% screen.

Return on assets is 2.19%, 2nd of 12 against a median of 1.24%, on an efficiency ratio of 45.4%, 2nd of 12. Five years ago it was 0.90%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenFL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 268% CB Cogent Bank 162% CB Citizens Bank & Trust 164% NB Newtek Bank National Association 219% CB Crews Bank & Trust 242% PN Pibank National Association 251% CF Climate First Bank 261% GB Grove Bank & Trust 274% Bo Bank of Central Florida 290% OF One Florida Bank 298% PN Pacific National Bank 355% IF International Finance Bank 448% O Optimumbank 504%
Loans, year over yearFL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.3% NB Newtek Bank National Association +84.8% PN Pibank National Association +76.1% CF Climate First Bank +64.1% O Optimumbank +53.3% IF International Finance Bank +17.2% PN Pacific National Bank +11.3% GB Grove Bank & Trust +11.2% Bo Bank of Central Florida +8.3% OF One Florida Bank +7.0% CB Crews Bank & Trust +6.4% CB Citizens Bank & Trust +5.7% CB Cogent Bank +4.4%

SBA 7(a), FY2008 to FY2026

Cogent Bank is the 53rd largest 7(a) lender into Florida of 528, with $137M across 178 loans, 0.5% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 23 of its 70 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Orange, FL$33M20th of 2011.6%+0.7 pts
Seminole, FL$13M16th of 1331.9%+1.5 pts
Dekalb, GA$13M34th of 1510.8%-0.3 pts
Pinellas, FL$12M41st of 1710.7%+0.8 pts
Volusia, FL$12M15th of 1371.9%-0.9 pts
Fulton, GA$11M57th of 2110.3%+0.5 pts
Collier, FL$8M22nd of 1361.4%thin
Duval, FL$8M45th of 1710.6%+1.2 pts
Lee, FL$7M51st of 1690.6%-0.9 pts
Clay, FL$7M8th of 823.2%-3.1 pts
Wichita, TX$6M4th of 655.0%quiet FY2022
Habersham, GA$5M6th of 397.8%-23.5 pts
Polk, FL$5M36th of 1290.9%-1.5 pts
57 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade48$59M24.6%0.10%160th of 2,589
Accommodation & food services55$52M21.5%0.07%218th of 2,596
Manufacturing32$25M10.2%0.06%259th of 2,246
Construction17$22M9.0%0.07%216th of 2,063
Health care & social assistance22$19M8.0%0.04%258th of 2,172
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Cogent Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans CB Cogent Bank 0.5% $137M · 178 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Cogent BankRankCohort median
Total CRE against capital, the 300% screen162%1st of 12268%
Construction against capital, the 100% screen39%7th of 1238%
Construction and land development, share of loans5.5%8th of 125.1%
Non-owner-occupied nonfarm nonresidential, share of loans16.1%2nd of 1231.8%
Total CRE, the guidance definition, share of loans23.2%2nd of 1243.4%
CRE growth over 36 months, the third prong+15.5%1st of 12+72.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Newtek Bank National Association$2.47B4.1%38.7%7.19%1.33%2.6%92.4%8.3%
Cogent Bank$2.45B2.2%45.4%0.39%0.09%1.1%83.5%9.9%
Pibank National Association$2.37B-0.4%116.9%0.13%0.04%1.4%54.0%8.9%
Crews Bank & Trust$2.33B1.9%55.2%0.06%0.02%1.9%64.4%10.7%
One Florida Bank$2.07B1.0%62.5%0.17%0.08%0.8%92.2%9.6%
Climate First Bank$1.94B1.2%51.2%0.12%0.12%1.0%108.4%9.2%
International Finance Bank$1.62B1.2%53.1%0.30%0.00%1.2%91.6%8.2%
Pacific National Bank$1.61B1.1%55.3%0.01%0.05%0.7%73.5%10.7%
Citizens Bank & Trust$1.48B1.4%65.6%0.35%0.06%1.1%63.2%4.1%
Grove Bank & Trust$1.41B0.7%73.4%0.01%0.02%1.4%71.8%9.8%
Optimumbank$1.39B1.9%47.1%0.18%0.00%0.9%98.8%9.6%
Bank of Central Florida$1.25B1.3%56.4%0.21%0.00%1.1%74.1%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cogent BankCohort median
20212026Change20212026Change
Loans$725M$1.83B+152%$455M$1.27B+179%
Deposits$693M$2.19B+216%$752M$1.50B+100%
NPA / loans0.11%0.39%+0.28 pts0.13%0.17%+0.05 pts
Efficiency60.7%45.4%-15.3 pts66.7%55.2%-11.5 pts
ROA0.90%2.19%+1.29 pts0.83%1.24%+0.41 pts

This read was prepared for Cogent Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cogent Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $1B to $3B
Institution WWW.cogentbank.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue