12 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 14, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026
Call-report figures are for Cogent Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cogent Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $471K in Q2 2026, 14% above the same quarter a year earlier ($412K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 7.5% from Q3 2025 to Q2 2026, to $471K.
$471K
Cogent BankMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Cogent Bank · $2.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cogent Bank(this institution) | Orlando, FL | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Anderson Brothers Bank | Mullins, SC | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Iowa | West Des Moines, IA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coastal States Bank | Hilton Head Island, SC | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Commercial Bank | Harrogate, TN | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community National Bank & Trust | Chanute, KS | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| El Dorado Savings Bank, F.S.B. | Placerville, CA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First County Bank | Stamford, CT | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First United Bank | Dimmitt, TX | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank | Springfield, MO | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizon Bank, SSB | Austin, TX | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intercredit Bank, National Association | Coral Gables, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| John Marshall Bank | Reston, VA | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luana Savings Bank | Luana, IA | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Omb Bank | Springfield, MO | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank, National Association | Albany, NY | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| QNB Bank | Quakertown, PA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| South Shore Bank | South Weymouth, MA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TexasBank | Brownwood, TX | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Bank of Commerce | Ammon, ID | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Traditional Bank, Inc. | Mount Sterling, KY | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Bank of Iowa | Ida Grove, IA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 20 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.38 among 20 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Cogent Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Cogent Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $471K | −$2K | −0.4% |
| Q1 2026 | $473K | +$48K | +11.3% |
| Q4 2025 | $425K | −$13K | −3.0% |
| Q3 2025 | $438K | +$26K | +6.3% |
| Q2 2025 | $412K | −$1K | −0.2% |
| Q1 2025 | $413K | +$27K | +7.0% |
| Q4 2024 | $386K | +$8K | +2.1% |
| Q3 2024 | $378K | +$19K | +5.3% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Cogent Bank’s own schedules, with a source for each figure.
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
per item
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $10 | per month | None |
| Extensive Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Item Paid Fee | $36 | per item | None |
| NSF Item Returned Fee | $36 | per item | None |
ATM & Card | |||
| Check Card Replacement | $15 | per item | None |
| Check Card Replacement - Expedited | $75 | per item | None |
Wire Transfers | |||
| Outgoing Wire Fee: Domestic Online | $15 | per item | None |
| Outgoing Wire Fee: International | $50 | per item | None |
Check Services | |||
| Cashier’s Check | $15 | per item | None |
| Stop Payment Fee | $32 | per item | None |
Cash & Deposit | |||
| Chargeback Item Fee | $10 | per item | None |
Account Services | |||
| Late Payment | $5Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $30Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 X 10 | $95 | per year | None |
| Safe Deposit Box 10 X 10 (audience not stated, treated as personal) | $95 | per year | None |
| Safe Deposit Box 3 X 10 | $40 | per year | None |
| Safe Deposit Box 3 X 10 (audience not stated, treated as personal) | $40 | per year | None |
| Safe Deposit Box 3 X 5 | $25 | per year | None |
| Safe Deposit Box 3 X 5 (audience not stated, treated as personal) | $25 | per year | None |
| Safe Deposit Box 5 X 10 | $60 | per year | None |
| Safe Deposit Box 5 X 10 (audience not stated, treated as personal) | $60 | per year | None |
| Safe Deposit Box 5 X 5 | $35 | per year | None |
| Safe Deposit Box 5 X 5 (audience not stated, treated as personal) | $35 | per year | None |
| Levy | $100 | per item | None |
| Writ of Garnishment | $100 | per item | None |
| Subpoena | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee change alerts
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