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Jonathan Formella
Apr 15, 2026
Being a small business owner, a reliable banking partner is crucial to our success. Commercial Banker Lucky Durmaz is one of the best in the business! Lucky and Cogent offer a level of service that is unheard of these days! They truly care about their clients and their above and beyond attention and accessibility is what separates them from these large banks where you are just a number. I couldn’t recommend Cogent (and especially Lucky) if you are a business owner in Manatee or Sarasota County that’s looking for a true banking partner!
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Daniel Patton
Jan 30, 2026
As someone who left a large bank due to its lack of customer service. I can tell you the staff at this bank is just incredible. From Kyle, Major and Sherry I
at last feel like where I put my money matters to the institution I deposit it at. Bravo Cogent. Making a bank change can be intimidating. But they made it very easy and very streamlined. Thank you.
If anyone is looking for a great bank and a commercial banker, look no further. Lucky Durmaz is an excellent and knowledgeable Commercial Banker and Cogent Bank is the best bank for small local businesses. If you are looking for a commercial loan or deposit relationship, give Lucky Durmaz a call.
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Zach Easton
Dec 12, 2025
Kyle took time with me as a business owner and really wants to help on a personal level. Customer service is unlike any other bank.
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Gianna Vastola
Dec 11, 2025
My first bank account was with BofA back in 2010, and I honestly never imagined switching banks—until I was introduced to Lucky. When I was exploring options for my business, Lucky took the time to understand my needs and got the job done seamlessly. Lucky and his team have been an absolute pleasure to work with.
Kyle and Heidi also did a fantastic job with onboarding—they were organized, patient, and made the entire process incredibly smooth. The whole team is efficient, communicates excellently, and consistently goes above and beyond to make every interaction stress-free.
Highly recommend Cogent Bank, especially Lucky and his team!