SBA lender profile
Cogent Bank
Cogent Bank appears in the public SBA loan data with 178 funded 7(a) loans totaling $210.1M, an average of $1.2M per loan, and an estimated 3,661 jobs supported. Its SBA lending concentrates in Florida and the Accommodation and Food Services sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
178
Total volume
$210.1M
Average loan size
$1.2M
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
3,661
Programs
7(a)
Bank profile
via FDIC- Total assets
- $2.4B
- Headquarters
- Orlando, FL
- FDIC cert
- #34908
- Status
- Active
Where Cogent Bank lends
Top states by funded SBA volume.
What Cogent Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 35 | $46.9M |
| Retail Trade | 35 | $46.8M |
| Manufacturing | 17 | $20.7M |
| Construction | 16 | $20.4M |
| Health Care and Social Assistance | 17 | $19.0M |
| Professional and Technical Services | 12 | $15.8M |
Cogent Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 5 | $3.6M |
| 2021 | 24 | $29.6M |
| 2022 | 36 | $45.2M |
| 2023 | 30 | $49.5M |
| 2024 | 40 | $31.5M |
| 2025 | 29 | $39.1M |
| 2026 | 14 | $11.5M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Cogent Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.