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Shelby Eiger

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Cogent Bank expands its USDA lending vertical nationwide

ORLANDO, Fla. (Dec. 2, 2025) – Cogent Bank (Cogent), a full-service business and personal community bank with 12 locations across Florida, is strengthening its position as a leader in specialized lending through the rapid growth of its USDA Lending vertical. Once primarily focused on hospitality projects in Florida and South Carolina, the program has evolved to a nationwide initiative supporting a diverse range of industries, from renewable energy and food production to advanced agriculture. This contributes to Cogent’s expanding impact across industries and regions.

“Cogent launched the USDA Lending vertical to help more businesses access the capital they need to grow,” said Todd Hubbell, SVP, Managing Director, USDA Lending at Cogent Bank. “Out of roughly 4,400 banks across the country, only about 20 manage USDA lending at the level we do, and what sets us apart is our structure, expertise and concierge-style service. Our clients know us, trust us and grow with us.”

With an experienced eight-member team, the vertical has achieved significant milestones, including a 100% increase in loans financed and expansion into 10 states. Among its largest projects is a $50 million expansion for a 1,000-member, 100-year-old dairy co-op, enabling the organization to purchase and modernize a ultra- pasteurization facility; and a $25 million loan to finance an anaerobic digester to convert dairy manure into renewable natural gas.

Looking ahead, Cogent plans to continue building this momentum, deepening client relationships and pursuing new opportunities that reflect the bank’s belief that everyone deserves access to credit. The USDA Lending team remains focused on driving results, expanding access to capital and strengthening its position as a trusted leader in the industry.

For more information, visit cogentbank.com.

 About Cogent Bank

Cogent Bank is a state-chartered bank that has operated as a full-service business and personal bank since 2018. With over $2.3 billion in total assets Cogent offers multiple banking centers in North, Central and Southwest Florida. Cogent offers a broad range of lending, depository, treasury management and mobile banking services designed to meet the complex and diverse needs of its clients while staying focused on the local communities it serves. Cogent believes banking is personal and requires high-touch, innovative services designed to make managing financial transactions easier. Cogent pairs its financial expertise with a passion for learning more about its clients’ goals and objectives. To learn more, visit https://cogentbank.com/

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