Cogent Bank
Cogent Bank is a state-chartered, Florida-based commercial bank offering diversified products including Association Banking, Business Aviation, Public Finance, and Cannabis Banking. The bank operates 8 Florida banking centers and provides lending, depository, treasury management, and digital banking services.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (14 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Cogent Bank ranks #245 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Cogent Bank’s 7(a) acquisition lending falls in the $0-$500K range: 6 loans, 42.9% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 6 | 42.9% | |
| $500K-$1M | 5 | 35.7% | |
| $2M-$3M | 1 | 7.1% | |
| $3M-$4M | 2 | 14.3% |
Industries with highest loan volume
Machine Shops
2
loans
$1.6M
avg. amount
Other Personal and Household Goods Repair and Maintenance
2
loans
$352K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$1.9M
avg. amount
Full-Service Restaurants
1
loans
$487K
avg. amount
All Other Specialty Trade Contractors
1
loans
$846K
avg. amount
Offices of Dentists
1
loans
$708K
avg. amount
Offices of Physicians (except Mental Health Specialists)
1
loans
$3.7M
avg. amount
All Other Personal Services
1
loans
$463K
avg. amount
Couriers and Express Delivery Services
1
loans
$324K
avg. amount
Baked Goods Retailers
1
loans
$655K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Cogent Bank’s median variable rate is + 2.63%, against a market median of Prime + 1.88%, 75 above market.
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.88% |
| $500K-$1M | Prime + 2.40% |
| $2M-$3M | Prime + 1.25% |
| $3M-$4M | Prime + 2.13% |
Cogent Bank has originated 7(a) acquisition loans in 3 states, most actively in Florida (11), Georgia (2) and Virginia (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Florida | 11 | 78.6% |
| Georgia | 2 | 14.3% |
| Virginia | 1 | 7.1% |
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