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Cogent Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cogentbank.net
407-545-2662
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 564th largest bank in the nation. It was established in 1999 and as of March of 2025, it had grown to 237 employees at 9 locations. Cogent Bank has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #34908
Year Established1999
Employees237
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.54%
Return on Equity - YTD17.51%
Annual Interest Income$33.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.13B$1.86B
LoansQ1 2025vs Q1 2024$1.62B$1.51B
DepositsQ1 2025vs Q1 2024$1.93B$1.68B
Equity CapitalQ1 2025vs Q1 2024$185.7MM$145.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$16.8MM$16.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.5MM$10.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for Cogent Bank.

Locations


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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