Community Reinvestment Act (CRA) - Cogent Bank
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Community Reinvestment Act (CRA)

Cogent Bank is committed to meeting the financial needs of the communities we live in, work, and serve and have a positive impact.  We are pleased to provide this information for public inspection on our website.

Public Information Available for Inspection

In compliance with the requirements of the Community Reinvestment Act (CRA), Cogent Bank maintains, and make available for public inspection, a copy of our CRA Public File, current as of April 1 of each year, and updated periodically.  By providing this information online, we can keep information current with convenient access.

This information is current as of July 7, 2025.

CRA Performance Evaluation

Public Comments

Current CRA Branch List, Opening and Close Lists

Fee Schedules

Home Mortgage Disclosure Act (HMDA) Notice

The Federal Financial Institution Examination Council (FFIEC) Home Mortgage Disclosure Act Disclosure Report retrieval system provides access to residential mortgage lending data for Cogent Bank and other financial institutions. Click here for the FFIEC Home Mortgage Disclosure Act Disclosure reports.

Institution: Cogent Bank
LEI ID: 54930046JONFO0FON766

For more information regarding HMDA, please visit https://www.consumerfinance.gov/data-research/hmda/

CRA Disclosure Statements

The Federal Financial Institution Examination Council (FFIEC) CRA Disclosure Report retrieval system provides access to small business, small farm, and community development lending data for Cogent Bank* and other financial institutions. Click here for access to the FFIEC CRA Disclosure Reports.

Institution: Cogent Bank, N A
Respondent ID: 0000034908

*Please note: Cogent Bank began collecting data effective January 1, 2025. As a result, CRA Disclosure Reports will not be available until sometime after March 1, 2026.

For more information regarding CRA, please visit https://www.ffiec.gov/cra/

Assessment Areas

Products and Services Offered

Any comments or questions about this portion of Cogent Bank’s CRA performance may be addressed to:

Community Reinvestment Act (CRA) Officer
Cogent Bank
420 S Orange Ave, Suite 150
Orlando, FL 32801

CRA Public File Requests

If you would like to receive a hard copy of this file, please complete and return the request form to WebsiteInquiry@cogentbank.net. Please include the following information with your request:

  • First and last name
  • Address
  • City, State Zip
  • Email address
  • Phone number
  • Cogent deposit account holder?  Yes or no?