Call reports 2025
COGENT BANK — 2025
What COGENT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,131,275,000 | 2,257,949,000 | 2,418,089,000 | 2,435,900,000 |
| Total loans | 1,635,557,000 | 1,749,691,000 | 1,884,557,000 | 1,907,277,000 |
| Allowance for loan losses | 16,812,000 | 18,282,000 | 22,094,000 | 20,581,000 |
| Securities available for sale | 394,702,000 | 405,827,000 | 419,263,000 | 433,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,930,078,000 | 2,048,073,000 | 2,118,492,000 | 2,176,403,000 |
| Interest-bearing deposits | 1,380,019,000 | 1,459,265,000 | 1,557,051,000 | 1,595,777,000 |
| Noninterest-bearing deposits | 550,059,000 | 588,808,000 | 561,441,000 | 580,626,000 |
| Equity capital | 185,697,000 | 195,751,000 | 205,300,000 | 217,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 33,935,000 | 69,929,000 | 108,886,000 | 150,211,000 |
| Interest expense | 11,474,000 | 23,990,000 | 37,380,000 | 50,192,000 |
| Net interest income | 22,461,000 | 45,939,000 | 71,506,000 | 100,019,000 |
| Noninterest income | 2,682,000 | 7,231,000 | 10,527,000 | 13,381,000 |
| Noninterest expense | 14,194,000 | 28,171,000 | 41,974,000 | 56,590,000 |
| Provision for loan losses | 433,000 | 1,917,000 | 5,736,000 | 7,024,000 |
| Pretax income | 10,498,000 | 23,128,000 | 34,398,000 | 49,895,000 |
| Income tax | 2,598,000 | 5,833,000 | 8,686,000 | 11,672,000 |
| Net income | 7,900,000 | 17,295,000 | 25,712,000 | 38,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,022,000 | 192,503,000 | 201,167,000 | 213,783,000 |
| Total capital | 200,586,000 | 211,483,000 | 223,929,000 | 234,998,000 |
| Risk-weighted assets | 1,703,309,000 | 1,815,310,000 | 1,982,113,000 | 2,046,929,000 |