Cogent Private Bank deposit products:FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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About us

Our entrepreneurial spirit drives innovation at Cogent Bank

We are a state-chartered, Florida-based commercial bank that offers products from a variety of diversified verticals including Association Banking, Business Aviation, and Public Finance to name a few. Keeping a foot in both worlds, we help businesses grow through traditional banking services like Deposit Accounts, Commercial Lending, Treasury Management, SBA Lending, USDA, Private Banking, Residential Lending, and Specialty Financing, including Asset Based Lending. Start a conversation with a member of our team today to learn how we can support your business.

Every account here is opened directly by one of our bankers, so your details are verified from the first day rather than left to an anonymous signup form. When you move money, we confirm it's really you with a single code sent straight to your own inbox — nothing more, nothing held back.

263

Financial Professionals

$2,445,000,000+

In total assets as of 3/31/26

10

Banking Centers throughout Florida

Cogent Private Bank is a private division of Cogent Bank, N.A., Member FDIC and a wholly owned subsidiary of Cogent Bank. Trust and fiduciary services are provided by Cogent Bank, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Cogent Financial Corporation.