Cogent Bank
Orlando, FL · Cert 34908 · Peer group: banks $1B-$10B in assets (n=322-328) · Cogent Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$2.5BAssets
$1.8BLoans
$2.2BDeposits
$243.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 96% of banks $1B-$10B in assets (rank 13 of 328).
- Widest gap: tier 1 capital ratio trails 71% of banks $1B-$10B in assets (rank 232 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.21%
Rank 13 of 328
Net Interest Margin
4.63%
Rank 24 of 328
Efficiency Ratio
45.44%
Rank 39 of 328
Equity / Assets
9.92%
Rank 186 of 328
Non-interest income vs. expense
Unfavorable gap of $40.6M · efficiency ratio beats 88% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.21% | 0.91% | 1.22% | 1.52% | Beats 96% | 13 / 328 | | |
| Return on Equity | 22.25% | 8.43% | 11.45% | 14.43% | Beats 95% | 17 / 328 | | |
| Net Interest Margin | 4.63% | 3.03% | 3.45% | 3.83% | Beats 93% | 24 / 328 | | |
| Efficiency Ratio | 45.44% | 51.61% | 59.56% | 67.53% | Beats 88% | 39 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.24% | 0.51% | 1.03% | Beats 63% | 120 / 322 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 41% | 192 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 11.95% | 11.75% | 13.15% | 15.47% | Beats 29% | 232 / 328 | | |
| Total Risk-Based Capital Ratio | 13.01% | 12.63% | 14.15% | 16.46% | Beats 30% | 229 / 328 | | |
| Equity / Assets | 9.92% | 9.15% | 10.33% | 12.01% | Beats 43% | 186 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.45% | 76.63% | 87.92% | 95.36% | 40th pctl | 195 / 323 | | |
| Loans / Assets | 74.43% | 65.18% | 74.15% | 79.98% | 51st pctl | 161 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |