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Businesses give back to the community

Jacksonville Daily Record, April 30, 2026

‘In our DNA to give back’

Cogent Bank Jacksonville focuses much of its giving back to the community on financial education for elementary school students, people who want to start a small business and entrepreneurs.

Bank employees conduct programs at Beaver Street Enterprise Center, a business incubator that provides training and office space for early-stage ventures.

“It gives first-time entrepreneurs access to bankers in a two- or three-hour class. It’s about preparing them to be bank or loan ready,” said Cogent Bank First Coast Market President Phil Bravo.

“We want to get them to where they focus on their cash flow and liquidity. It’s a nice way for small businesses and startups to become more bank ready.”

Six years ago, the bank partnered with Twin Lakes Academy Elementary to support the school with Banzai Financial Education, a curriculum that helps children develop financial skills through online and downloadable classes and games.

Bravo said the bank covers the subscription so that Banzai is free of charge to Twin Lakes teachers, students and their parents.

“Financial literacy is a long-term game. We don’t do it just once, we do it over the years,” Bravo said.

The bank’s associates and friends also conduct school supply drives and fill backpacks for new students at Twin Lakes, collecting more than $1,500 worth of supplies in the past year.

Cogent associates volunteer with the Literary Alliance of Northeast Florida, a program conducted via videoconference for people who are seeking a GED.

Bravo said the volunteers stay in their offices on Friday afternoons and provide one-on-one remote tutoring to teens and adults.

‘The program focuses on English and math, so math is our focus,” Bravo said.

In terms of financial contributions, Cogent Bank Jacksonville supports organizations including Beaches Community Kitchen, First Tee of North Florida, North Florida School for Special Education, Sanctuary on 8th Street, YMCA of Florida’s First Coast and others.

Cogent said its total contributions to organizations in its Northeast and Central Florida service areas was more than $1.3 million in 2025.

“Being a locally-owned back, it’s in our DNA to give back,” Bravo said.