Commercial Bank – Cogent Bank
Cogent Bank is a state-chartered, Florida-based commercial bank offering diversified banking services to business and personal clients. The institution operates ten banking centers throughout Florida, with locations that include Bradenton, Clearwater, Fort Myers, Jacksonville, Lake Mary, Naples, Ocala, Orange City, Orlando, Sarasota, Tampa, and Winter Park.
On the business side, the bank provides deposits, commercial real estate lending, SBA lending, USDA lending, business lines of credit, term loans, and treasury management. It also serves a range of industry specialties, including attorney and law firm banking, business aviation lending, cannabis business banking, government banking, healthcare banking, net lease finance, nonprofit banking, sports and entertainment banking, and title company banking. Personal banking offerings include deposits, tax-advantaged accounts, credit cards, digital banking, and residential lending. Mortgage products span conventional, FHA, VA, USDA, jumbo, and construction-to-permanent options.
As of March 31, 2026, Cogent Bank reported total assets exceeding $2,445,000,000 and employed 263 financial professionals. The bank emphasizes FDIC insurance coverage and offers extended FDIC protection through IntraFi services. It previously participated in PPP lending, assisting more than 1,194 small businesses in accessing approximately $166 million in relief during the program’s first round.
Contact information includes a main phone line at 888-577-0404. For lost or stolen debit cards, customers can call 407-545-2662 during business hours or 1-800-500-1044 after hours. The bank’s routing number is 063114661, and digital banking access is available through client login portals.
With branches concentrated in metro markets along Florida’s Gulf Coast and through Central and Northeast Florida, Cogent Bank presents itself as a full-service institution combining traditional deposit and lending products with specialized commercial banking aimed at particular industries operating across the state.