BlastPoint's Banking Scorecard
Cogent Bank
Community
Specialty: Commercial
FL
FDIC cert 34908
Orlando, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Cogent Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 41% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+23.4% YoY
+0.7% QoQ
|
+$1.0B |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$1.9B
+22.7% YoY
+1.3% QoQ
|
+$911.2M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$2.2B
+21.9% YoY
+2.7% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.70%
+25.6% YoY
+9.1% QoQ
|
+0.54% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.53%
+8.7% YoY
+2.7% QoQ
|
+0.86% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
49.90%
-14.2% YoY
-2.5% QoQ
|
-12.73% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.19%
+14.4% YoY
-39.3% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
86.69%
+0.6% YoY
-1.4% QoQ
|
+3.63% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
26.68%
-5.3% YoY
+0.7% QoQ
|
+5.63% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.15%
+13.8% YoY
-38.9% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
10.44%
-3.9% YoY
+2.9% QoQ
|
+0.20% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.55%
-17.1% YoY
+26.2% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#152 of 371 · Top 41% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.70%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#99 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.66%
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
84
84th pctile
Efficiency Ratio
Current: 49.90% · Tier avg: 62.63%
84
84th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.68% · Tier avg: 21.05%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.69% · Tier avg: 83.06%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.44% · Tier avg: 10.24%
Top Weaknesses
33
33th pctile
Tier 1 Capital Ratio
Current: 10.44% · Tier avg: 10.24%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.69% · Tier avg: 83.06%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.68% · Tier avg: 21.05%
84
84th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 49.90% · Tier avg: 62.63%
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
88
88th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.66%