Cogent Bank

Cogent Bank is a state-chartered, full-service Florida-based bank.  We believe banking is personal and requires high-touch, innovative services to make managing financial transactions easier.

Our team of more than 220 knowledgeable bankers have local decision-making authority and are passionate about the success of our consumer and commercial clients. We offer a complete array of commercial banking, traditional lending, property management, and treasury management services.  In addition, we have a team of experts in specialized lending divisions, including Small Business Lending (SBA), USDA, Residential Lending, Public Finance, and Specialty Finance, including Asset-Based Lending. Cogent Bank strives to meet the unique needs of clients by offering creative solutions that assist in meeting both long- and short-term objectives.

With our physical locations strategically spread across Northeast Florida, North Central Florida, Central Florida, and Southwest Florida, we are always within reach, ensuring you’re never more than a phone call away.