BlastPoint's Banking Scorecard

Cogent Bank

$1B-$10B Specialty: Commercial FL FDIC cert 34908

Orlando, FL

10 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL

Cogent Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 5.0% in tier
+ Profitability Leader: Top 16.3% in tier
+ Deposit Franchise: Top 74.4% in tier
+ Efficiency Ratio 13.89% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$2.4B +14.7% YoY +0.4% QoQ	-$370.9M	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$1.9B +16.0% YoY -0.4% QoQ	-$86.6M	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$2.2B +11.4% YoY -1.2% QoQ	-$193.0M	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	2.11% +37.1% YoY +23.8% QoQ	+0.74%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Top 7.6% in tier
Net Interest Margin ?	4.63% +4.3% YoY +2.2% QoQ	+0.81%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Top 9.5% in tier
Efficiency Ratio ?	47.17% -16.5% YoY -5.5% QoQ	-13.89%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Top 14.4% in tier
Delinquency Rate ?	0.24% +54.7% YoY +25.1% QoQ	-0.65%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	87.35% +4.2% YoY +0.8% QoQ	+3.15%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	27.41% -3.8% YoY +2.7% QoQ	+6.12%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.19% +56.5% YoY +24.1% QoQ	-0.49%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	10.86% +1.1% YoY +4.0% QoQ	-4.30%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 14.8% in tier
Non-Interest Income / Assets ?	0.20% +58.9% YoY -63.6% QoQ	-0.06%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Credit Quality Leader

growth

#12 of 220 • Top 5.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#37 of 221 • Top 16.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.11%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#65 of 86 • Top 74.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 27.41%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.63%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#95 of 513 • Bottom 18.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 2.11%

Peer Median: 1.37%

#68 of 884 Top 7.6% in $1B-$10B

Net Interest Margin

profitability

Value: 4.63%

Peer Median: 3.82%

#85 of 884 Top 9.5% in $1B-$10B

128

Efficiency Ratio

profitability

Value: 47.17%

Peer Median: 61.06%

#128 of 884 Top 14.4% in $1B-$10B

199

Non-Interest-Bearing Deposit Share

funding

Value: 27.41%

Peer Median: 21.29%

#199 of 884 Top 22.4% in $1B-$10B

220

Delinquency Rate

credit_quality

Value: 0.24%

Peer Median: 0.89%

#220 of 880 Top 24.9% in $1B-$10B

Top Weaknesses (1 metrics)

754

Tier 1 Capital Ratio

capital

Value: 10.86%

Peer Median: 15.16%

#754 of 884 Bottom 14.8% in $1B-$10B