Cogent Bank is a bank based in Orlando, Florida, established in 1999, with $2.4 billion in total assets across 10 branches. By Trust Grade it ranks 27th of 83 banks we track in Florida. Its capital ratio of 9.4% trails most similarly sized banks (32th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 2.11% return on assets. No consumer complaints against Cogent Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cogent Bank compares to Florida peers
How we graded Cogent Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.4% capital ratio)
- Strongly profitable (ROA 2.11%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cogent Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 5011 Gate Pkwy Bldg 100, Jacksonville, FL 32256
- 1715 N West Shore Blvd, Tampa, FL 33607
- 420 S Orange Ave, Orlando, FL 32801
- 28059 Us Highway 19 N, Clearwater, FL 33761
- 14421 Metropolis Ave, Fort Myers, FL 33912
- 1113 Saxon Blvd, Orange City, FL 32763
- 999 Vanderbilt Beach Rd, Naples, FL 34108
- 655 W Morse Blvd, Winter Park, FL 32789
- 4 Se Broadway Street, Ocala, FL 34471
- 1001 3rd Ave W, Bradenton, FL 34205
Are deposits at Cogent Bank insured?
Yes. Cogent Bank is an FDIC-insured bank (FDIC certificate #34908). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cogent Bank: frequently asked questions
Is Cogent Bank a good bank?
Cogent Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.4% capital ratio); Strongly profitable (ROA 2.11%).
Is Cogent Bank FDIC-insured?
Yes. Cogent Bank is a FDIC-insured bank (FDIC certificate #34908). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Cogent Bank?
Cogent Bank holds $2.4 billion in total assets, ranking 27th of 83 banks we track in Florida. It operates 10 branches.
Does Cogent Bank have CFPB complaints?
No CFPB complaints against Cogent Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
