Bank · FDIC insured
Cogent Bank
A $2.5B bank headquartered in Orlando, FL, with 11 branches in Florida.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cogent Bank
Cogent Bank is a state-chartered commercial bank with 10 banking centers throughout Florida, offering commercial lending, private banking, and industry specialties like association banking.
- Headquarters
- 420 S Orange Ave, Orlando, FL 32801
- FDIC certificate
- 34908 ↗
Branches
11 branches in Florida
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Florida
11 branches
Orlando area · 1
- Cogent BankMain office420 S Orange Ave, Orlando, FL 32801Directions
Bradenton area · 1
- Bradenton Banking Center Branch1001 3rd Ave W, Bradenton, FL 34205Directions
Clearwater area · 1
- Clearwater Branch28059 Us Highway 19 N, Clearwater, FL 33761Directions
Coral Gables area · 1
- Merrick Way Branch55 Merrick Way, Coral Gables, FL 33134Directions
Fort Myers area · 1
- Ft. Myers Branch14421 Metropolis Ave, Fort Myers, FL 33912Directions
Jacksonville area · 1
- Jacksonville Branch5011 Gate Pkwy, Jacksonville, FL 32256Directions
Naples area · 1
- Naples Branch999 Vanderbilt Beach Rd, Naples, FL 34108Directions
Ocala area · 1
- Ocala Branch4 Se Broadway Street, Ocala, FL 34471Directions
Orange City area · 1
- Orange City Branch1113 Saxon Blvd, Orange City, FL 32763Directions
Tampa area · 1
- Tampa Branch1715 N West Shore Blvd, Tampa, FL 33607Directions
Winter Park area · 1
- Winter Park Branch655 W Morse Blvd, Winter Park, FL 32789Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.72% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.39% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.22% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalLeverage ratio9.72%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.39%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.22%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cogent Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.