Cogent Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4B | $2.2B | $1.9B | $229M | $13M | 2.11% | 23.04% | 4.63% | 0.24% |
| Q4 2025 | $2.4B | $2.2B | $1.9B | $218M | $13M | 1.70% | 19.50% | 4.53% | 0.19% |
| Q3 2025 | $2.4B | $2.1B | $1.9B | $205M | $8M | 1.56% | 17.99% | 4.41% | 0.32% |
| Q2 2025 | $2.3B | $2.0B | $1.7B | $196M | $9M | 1.63% | 18.64% | 4.39% | 0.18% |
| Q1 2025 | $2.1B | $1.9B | $1.6B | $186M | $8M | 1.54% | 17.51% | 4.44% | 0.16% |
| Q4 2024 | $2.0B | $1.8B | $1.5B | $175M | $6M | 1.36% | 16.31% | 4.17% | 0.17% |
| Q3 2024 | $1.9B | $1.7B | $1.5B | $170M | $6M | 1.38% | 16.85% | 4.02% | 0.49% |
| Q2 2024 | $1.9B | $1.7B | $1.5B | $157M | $7M | 1.40% | 17.67% | 4.01% | 0.53% |
| Q1 2024 | $1.9B | $1.7B | $1.5B | $146M | $6M | 1.26% | 15.99% | 3.93% | 0.70% |
| Q4 2023 | $1.8B | $1.6B | $1.4B | $139M | $2M | 1.04% | 12.92% | 4.15% | 0.92% |
| Q3 2023 | $1.7B | $1.5B | $1.4B | $134M | $4M | 1.29% | 15.91% | 4.19% | 0.56% |
| Q2 2023 | $1.6B | $1.5B | $1.3B | $131M | $5M | 1.39% | 17.14% | 4.30% | 0.19% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.