In today’s fast-paced world, technology has transformed how we manage our lives and our money. From paying bills to transferring funds, nearly everything can be done from a smartphone. But with so many banking options available, choosing the right financial partner for your personal and business needs can feel overwhelming.
If you’re located in Florida, Cogent Bank offers a compelling solution. As a state-chartered bank with world-class technology and personalized service, Cogent delivers the same digital convenience as national institutions – plus the added value of local expertise and community commitment. Whether you’re launching a business, planning for retirement, or simply looking for smarter ways to manage your finances, Cogent Bank is ready to help.
Why Local Banks Matter
While major banks often dominate headlines, local banks play a vital role in supporting individuals and small businesses. Consider these facts:
- Represent $4.0 trillion in consumer, small business, and agricultural loans.
- Operate close to 45,000 locations nationwide.
- Employ nearly 700,000 people.
- Provide 60% of U.S. small-business loans under $1 million and 80% of agriculture loans.
- Serve as the only physical banking presence in one in three U.S. counties.
Local banks offer tailored solutions and are beneficial for businesses of all sizes, and especially for small business owners.
Who Is Cogent Bank?
Founded in 2018 after investors acquired Pinnacle Bank, Cogent Bank has grown to 12 locations across Florida. As of Q2 2025, the bank held more than $2 billion in total deposits – a 6% increase from the previous quarter. Cogent’s commitment to Florida communities and its support for entrepreneurs of all sizes make it a powerful financial partner.
Let’s look at how the Cogent team can help you and your business.
Digital Banking
Take control of your finances from anywhere with Cogent Bank Digital Banking. Secure, user-friendly tools let you:
- Pay bills quickly and securely.
- Check and transfer balances between accounts.
- Deposit checks from your phone.
- Send money anytime with Zelle.
- Set alerts for account balances.
- View and track transactions
You can even open an account online and bank whenever and wherever it’s most convenient for you.
Personal Banking
Cogent offers a full suite of personal banking services designed to help you save, borrow, and plan for the future:
Regardless of what your financial needs and goals are, Cogent is here to help support them.
Business Banking
Cogent Bank supports businesses of all sizes with flexible banking solutions and for specialized industries like Innovation & Technology, Non-Profit, Legal, and Government:
Cogent is ready to become your trusted financial partner for all your business banking needs. Reach out today to see how Cogent can help.
Cogent Private Wealth
Go beyond basic retirement accounts with Cogent Private Wealth. Their team of investment specialists offers personalized solutions across:
Financial Education Resources
Cogent Bank is committed to helping customers build financial confidence. Explore the Financial Literacy Library for tools and insights:
Join the Cogent Family
Hopefully, you’ve learned by now that you don’t need a national bank to access world-class features, services, and education. Cogent Bank – the one bank for all of Florida – is here to help with the superior service you deserve.
Moving You Forward
Start your journey online, contact us, or visit one of our branches and let a team of experts show you the difference when you bank with Cogent. Whether you’re launching a new business, expanding operations, planning for retirement, or simply looking for a better way to manage your finances, Cogent Bank is ready to help you succeed. Our specialists are here to guide you through every step—so don’t wait. Reach out today and discover how Cogent can become your most trusted financial partner.
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Disclaimer: The information contained herein is for informational/educational purposes only. The views and opinions expressed in this document may be those of the individuals and may not necessarily reflect those of Cogent Bancorp and its subsidiaries and affiliates, or the entities they may represent. Content contained herein may be used in connection with the advertising and/or marketing of products offered by Cogent Bank or Cogent Private Wealth. The material is not intended to provide or substitute for legal, tax, or financial advice or to indicate the availability or suitability of any Cogent Bank product or service. You should consult with a legal, financial, tax, or other appropriate professional(s) for your specific needs and/or objectives before making any decisions.
