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Cogent Bank


Cogent Bank is an FDIC insured institution headquartered at 420 S Orange Ave, Orlando, FL 32801.
It was founded in 1999 and has approximately $2 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - February 02, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.55% $100,000 Compare
18 Mo CD
0.60% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
30 Mo CD
0.60% $10,000 Compare
30 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.60% $10,000 Compare
36 Mo CD
0.60% $100,000 Compare
48 Mo CD
0.60% $10,000 Compare
48 Mo CD
0.60% $100,000 Compare
60 Mo CD
0.60% $10,000 Compare
60 Mo CD
0.60% $100,000 Compare
MM RATES APY MIN
Money Market
0.03% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.05% $25,000 Compare
FIXED IRA RATES APY MIN
Fixed IRA
0.55% $1
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34908
Date Established 1999
Assets $ 2.42 billion
Loans $ 1,862.46 million
Deposits $ 2.12 billion
Capital $ 205.30 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 99.44 million
Interest-bearing balances $ 92.94 million
Total securities $ 419.26 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,862.46 million
Loan loss allowance $ 22.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 3.35 million
All other assets $ 10.73 million
     Total Assets $ 2.21 billion

LIABILITIES
Total deposits $ 2.12 billion
      Interest-bearing deposits $ 1,557.05 million
      Deposits held in domestic offices $ 2.12 billion
      % insured (estimated)" 53.34%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 7.05 millionn
      Total Liabilities $ 2.21 billion
      Shareholders’ Equity $ 205.30 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 108.89 million
Total Interest Expense $ 37.38 million
Net interest income $ 71.51 million
Provision for loan and lease losses $ 5.67 million
Total non interest income $ 10.53 million
Total non interest expense $ 41.97 million
Pre-tax Net Operating Income $ 7.63 million

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Branches

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Cogent Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Cogent Bank
    Bank
    FLORIDA
    $50,000
    N.A.
    0.05%
    0.22x (National Avg. - 0.22%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.74x (National Avg. - 0.22%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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