Listed locations
9
Institution profile
Cogent Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Cogent Bank
- Display name
- Cogent Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- September 10, 1999
- Established date
- September 10, 1999
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Orlando, FL, 32801, United States
- Website
- https://WWW.cogentbank.net
- FDIC certificate number
- 34908
- Federal Reserve RSSD ID
- 2847142
- Domestic location count
- 10
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 34908
- Federal Reserve RSSD ID
- 2847142
- LEI
- 54930046JONFO0FON766
- Headquarters
- 420 S Orange Ave, Suite 150, Orlando, FL, 32801, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BRADENTON BANKING CENTER | 1001 Third Avenue West, Suite 190 | Bradenton | FL | 34205 |
| CLEARWATER BANKING CENTER | 28059 U.s. Highway 19 N, 1st Floor | Clearwater | FL | 33761 |
| FORT MYERS BANKING CENTER | 14421 Metropolis Ave, Suite 102 | Fort Myers | FL | 33912 |
| JACKSONVILLE BANKING CENTER | 5011 Gate Parkway, Bldg. 100, Suite 150 | Jacksonville | FL | 32256 |
| NAPLES BANKING CENTER | 999 Vanderbilt Beach Road, Suite 100 | Naples | FL | 34108 |
| OCALA BANKING CENTER | 4 SE Broadway St. | Ocala | FL | 34471 |
| ORANGE CITY BANKING CENTER | 1113 Saxon Blvd | Orange City | FL | 32763 |
| TAMPA BANKING CENTER | 1715 N. Westshore Blvd. Ste.150 | Tampa | FL | 33607 |
| WINTER PARK BANKING CENTER | 655 West Morse Blvd., Suite 111 | Winter Park | FL | 32789 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- December 1, 2023
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| December 1, 2023 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2017 | Satisfactory | FDIC | Small Bank |
| May 1, 2012 | Satisfactory | FDIC | Small Bank |
| February 1, 2007 | Satisfactory | FDIC | Small Bank |
| January 1, 2002 | Satisfactory | FDIC | Small Bank |
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | COGENT HOLDINGS, INC. | Domestic Entity Other | Orlando, FL |
| Direct relationship | COGENT LEASING AND FINANCING, INC. | Finance Company | Orlando, FL |
| ROOT_INSTITUTION | COGENT BANK | Non-member Bank | Orlando, FL |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank