Cogent Bank

Cogent Bank

Overview / Commentary
420 S Orange Ave Suite 150
Orlando, FL 32801

Cogent Bank is headquartered in ORLANDO and is the 20th largest bank in the state of Florida. It is also the 647th largest bank in the nation. It was established in 1999 and as of December of 2023, it had grown to 203 employees at 8 locations. Cogent Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #34908
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD12.92%
Annual Interest Income$100.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.76B$1.48B
LoansQ4 2023vs Q4 2022$1.41B$1.21B
DepositsQ4 2023vs Q4 2022$1.57B$1.26B
Equity CapitalQ4 2023vs Q4 2022$139.1MM$118.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$16.2MM$15MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$13.1MM$4.3MM
Real Estate OwnedQ4 2023vs Q4 2022$234K$0

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Cogent Bank Locations
Pinnacle Bank420 S Orange AveOrlando, FL 32801
Jacksonville Branch5011 Gate Parkway, Building 100Jacksonville, FL 32256
Tampa Branch1715 N West Shore Blvd Suite 150Tampa, FL 33607
Clearwater Branch28059 Us Hwy 19 NClearwater, FL 33761
Ft. Myers Branch14421 Metropolis Ave. Suite 102Fort Myers, FL 33912
Orlando Branch1113 Saxon BlvdOrange City, FL 32763
Winter Park Branch655 W Morse BlvdWinter Park, FL 32789
Naples Branch999 Vanderbilt Beach RdNaples, FL 34108

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