🏦Bank Scorer

COGENT BANK

ORLANDO, FL · Supervised by FDIC

Est. 1999FDIC #34,908RSSD: FDIC-34908
Part ofCOGENT BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.11%

Institution Profile

FDIC BankFind

Address

420 S Orange Ave, ORLANDO, FL

County

Orange County

Established

September 10, 1999

Total Assets

$2.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$2.2B

Net Loans

$1.9B

Net Income

$13M

ROA

2.11%

ROE

23.04%

Risk-Based Capital

11.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.34%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$2.0B

1-Year Change

0

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417774.01%7.34%
20234776.6%6.38%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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