Heath Ritenour

Insurance Office of America, Inc. provides insurance and risk management services. It handles all lines of insurance, including commercial, personal, bonds, life and health. The firm also offers alternative risk financing techniques and human resources outsourcing. The company was founded by John K. Ritenour and Valli Ritenour on January 1, 1988 and is headquartered in Longwood, FL.

Cogent Bank engages in the provision of banking services. It offers personal and banking, checking, savings, personal, loans, and online banking. The company was founded in 2001 and is headquartered in Orange City, FL.

IOA Group LLC engages in provision of insurance services. The company is headquartered in Longwood, FL.

Cogent Bancorp, Inc. is a financial holding private company that operates Cogent Bank, a state-chartered bank that offers a broad range of lending, depository, treasury management, and mobile banking services. The company is based in Orlando, FL, and has subsidiaries in the United States. The bank has multiple banking centers in North, Central, and Southwest Florida and has been serving as a full-service business and personal bank since 2001. Cogent Bank believes in providing high-touch, innovative services to make managing financial transactions easier for its clients while staying focused on the local communities it serves.