Orlando, FL · Cert 34908 · Cogent Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 1.3% share · #13 of 49 inst. · $0.9B of $68.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.30% | 1.54% | 1.71% | 1.44% | 2.06% | 2.11% | 2.32% | +61 bps | |
| Return on Equity | 15.47% | 14.71% | 17.51% | 19.70% | 16.79% | 23.66% | 23.04% | 24.06% | +436 bps | |
| Net Interest Margin | 3.92% | 4.49% | 4.37% | 4.29% | 4.43% | 4.70% | 4.51% | 4.78% | +49 bps | |
| Efficiency Ratio | 60.25% | 58.77% | 56.45% | 49.87% | 47.82% | 46.60% | 47.17% | 43.84% | -603 bps | |
| Non-Interest Burden | 2.16% | 2.45% | 2.24% | 1.72% | 1.82% | 1.94% | 1.71% | 1.58% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.68% | 12.04% | 14.52% | 16.92% | 25.54% | 23.38% | 14.71% | 8.69% | -823 bps | |
| Loan Growth (YoY) | 11.21% | 9.25% | 7.28% | 12.89% | 23.01% | 22.82% | 16.10% | 4.39% | -850 bps | |
| Deposit Growth (YoY) | 14.55% | 13.52% | 15.21% | 23.48% | 21.44% | 21.95% | 11.41% | 6.86% | -1,662 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.17% | 0.16% | 0.18% | 0.32% | 0.19% | 0.24% | 0.39% | +21 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.76% | -0.20% | 0.00% | 0.00% | 0.59% | 0.00% | 0.19% | +19 bps | |
| Allowance / Loans | 1.11% | 1.00% | 1.03% | 1.04% | 1.17% | 1.08% | 1.08% | 1.12% | +8 bps | |
| Allowance Coverage of NPLs | 2.3x | 6.0x | 6.6x | 5.9x | 3.7x | 5.6x | 4.5x | 2.9x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.88% | 8.91% | 8.80% | 8.71% | 8.80% | 9.20% | 9.72% | +92 bps | |
| Total Risk-Based Capital | 11.81% | 11.88% | 11.78% | 11.65% | 11.30% | 11.48% | 11.88% | 13.01% | +136 bps | |
| Equity / Assets | 8.82% | 8.88% | 8.71% | 8.67% | 8.49% | 8.94% | 9.37% | 9.92% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.82% | 87.01% | 84.74% | 85.43% | 88.96% | 87.63% | 88.31% | 83.45% | -198 bps | |
| Liquid Assets / Assets | 2.98% | 2.50% | 4.17% | 3.85% | 3.84% | 3.06% | 3.16% | 6.47% | +262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 358% | 333% | n/a | n/a | |