Cogent Bank (FDIC #34908): Bank Stress & Real-Estate Credit Exposure
Cogent Bank (FDIC Cert #34908): bank stress 47/100, moderate, STABLE over 7 days; parent COGENT BCORP INC.
Cogent Bank (#34908) lends in 9 counties across 1 state; Cogent Bank (#34908) reaches 336 ZIP codes: Florida 9 counties, 336 ZIPs.
Cogent Bank (#34908) largest markets: Hillsborough County, FL (58 branches, 58 ZIPs) (#34908), Orange County, FL (98 branches, 49 ZIPs) (#34908), Pinellas County, FL (48 branches, 48 ZIPs) (#34908), Lee County, FL (38 branches, 38 ZIPs) (#34908), Duval County, FL (38 branches, 38 ZIPs) (#34908), Marion County, FL (34 branches, 34 ZIPs) (#34908).
Cogent Bank (#34908) reports $2.45 billion in total assets; Cogent Bank (#34908) equity $243.5 million (9.9% of Cogent Bank (#34908) assets); Cogent Bank (#34908) domestic deposits $2.19 billion; Cogent Bank (#34908) net income $27.1 million; Cogent Bank (#34908) return on assets 2.22%; Cogent Bank (#34908) return on equity 23.54%; Cogent Bank (#34908) net interest income $57.3 million; Cogent Bank (#34908) call report June 30, 2026.
Cogent Bank (#34908) noncurrent real-estate loans 0.11% of its book; Cogent Bank (#34908) residential 0.19%; Cogent Bank (#34908) net charge-offs on real estate 0.54%; Cogent Bank (#34908) residential charge-offs 0.39%.
Cogent Bank (#34908) net interest margin 4.77% against an eight-quarter Cogent Bank (#34908) average of 4.42% (Cogent Bank (#34908) compression -0.35 points); Cogent Bank (#34908) real-estate loans 11.4% of equity; Cogent Bank (#34908) non-residential real estate 39.2% of equity; Cogent Bank (#34908) rate-exposure score 40/100, Cogent Bank (#34908) fixed-rate trap 40/100; Cogent Bank (#34908) risk type credit driven; Cogent Bank (#34908) rate regime rates elevated, Cogent Bank (#34908) snapshot October 19, 2026.
Cogent Bank (#34908) stress score moved from 49.4 on June 22, 2026 to 46.6 on October 19, 2026; Cogent Bank (#34908) ranged 46.6 to 49.4 over 116 snapshots.
Cogent Bank (#34908) alerts: 9 counties; top Cogent Bank (#34908) alert scores: Bradenton County, FL 18 (low); Clearwater County, FL 18 (low); Fort Myers County, FL 18 (low); Jacksonville County, FL 18 (low); Naples County, FL 18 (low).