Customers Bancorp, Inc. (CUBI) SEC Filings & Earnings Calls
EquiReason read 21 Customers Bancorp, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — Customers Bancorp reports Q3 2026 net income $78.4M ($2.25/diluted share), ROAA 1.16%, ROCE 14.0%. Total deposits +$831M QoQ to $22.6B record; loans +$496M QoQ to $18.5B record. NI.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 2.9B
- P/E TTM
- 10.3
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 20 Jan, in 88 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
22 Oct 20268-K · 2.02, 7.01Customers Bancorp reports Q3 2026 net income $78.4M ($2.25/diluted share), ROAA 1.16%, ROCE 14.0%. Total deposits +$831M QoQ to $22.6B record; loans +$496M QoQ to $18.5B record. NII +$15M (+7.6% QoQ) to $208M. Efficiency ratio improved 340bearningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q3-2026 | $78M | |
| Earnings per diluted share · Q3-2026 | $2.25 | |
| Return on average assets (ROAA) · Q3-2026 | 1.2% | |
| Return on common equity (ROCE) · Q3-2026 | 14.0% | |
| Total deposits · Q3-2026 | $22.60B | +11% y/y |
| Total loans and leases held for investment · Q3-2026 | $18.50B | +14% y/y |
| Non-interest bearing deposits · Q3-2026 | $7.20B | |
| Net interest income · Q3-2026 | $208M | |
| Efficiency ratio · Q3-2026 | 47.2% | |
| Non-performing assets ratio · Q3-2026 | 0.3% |
Risks flagged
Mortgage finance loans decreased $259M (-15.0% QoQ), indicating potential volatility in that segment.
“Mortgage finance loans decreased by $259 million, or 15.0% to $1.5 billion”
Construction loans decreased $58M (-26.7% QoQ), a sharp decline.
“Construction loans of $58 million, or 26.7% to $159 million” · word for word
7 Aug 202610-QCustomers Bancorp reported Q2 2026 net income of $71.6M, up 28% YoY, driven by loan growth and higher net interest income.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q2-2026 | $193M | +9% y/y |
| Net income available to common shareholders · Q2-2026 | $72M | +28% y/y |
| Diluted earnings per common share · Q2-2026 | $2.05 | +19% y/y |
| Total deposits · 2026-06-30 | $21.73B | |
| Loans and leases receivable · 2026-06-30 | $16.22B | |
| Allowance for credit losses on loans and leases · 2026-06-30 | $164M | |
| Non-interest income · Q2-2026 | $34M | +15% y/y |
| Non-interest expense · Q2-2026 | $115M | +8% y/y |
Risks flagged
Credit loss exposure on corporate notes
“Allowance for credit losses on corporate notes increased to $29,910 at June 30, 2026 from $28,219 at December 31, 2025.”
Non-accrual loan increase
“Non-accrual loans increased to $54,722 at June 30, 2026 from $41,272 at December 31, 2025.”
23 Jul 20268-K · 2.02, 7.01Q2 2026 net income $71.6M, EPS $2.05; deposits up 14.5% YoY to record $21.7B; loans up 16.9% YoY to record $18.0B; NIM trough expected in Q2 with rebound in Q3; AI-driven efficiency gains; core revenue growth 13% vs expense growth 8%.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q2-2026 | $72M | |
| Earnings per diluted share · Q2-2026 | $2.05 | |
| Return on average assets (ROAA) · Q2-2026 | 1.1% | |
| Return on common equity (ROCE) · Q2-2026 | 13.2% | |
| Total deposits · Q2-2026 | $21.70B | +15% y/y |
| Total loans and leases held for investment · Q2-2026 | $18.00B | +17% y/y |
| Non-interest bearing deposits · Q2-2026 | $6.90B | |
| Efficiency ratio · Q2-2026 | 50.5% | |
| Net interest income · Q2-2026 | $193M | |
| Non-interest income · Q2-2026 | $34M |
Guidance
Q2 2026 NIM trough; Q3 2026 NIM rebound to Q1 levels (~3.44%?); Q4 2026 NIM expansion; continued low-cost deposit growth and robust loan growth
NIM expected to rebound from Q2 trough; strong loan and deposit growth; AI investments driving efficiency.
Risks flagged
Mortgage finance loans decreased 5.5% QoQ, indicating potential weakness in that segment.
“Mortgage finance loans decreased by $101 million, or 5.5% to $1.7 billion.”
Severance expense of $1.0 million in Q2 suggests ongoing restructuring.
“In Q2 2026, we had $1.0 million of severance expense.” · word for word
8 Jul 20268-K · 5.02Monthly benefit payment $12,500.00open
Figures in the filing · each found in the filing text
| Monthly benefit payment | $12500.00 |
Risks flagged
Key person retention risk mitigated by new plan; noncompete and clawback reduce departure risk.
“Plan includes Clawback, Noncompete, Non-Disclosure and Non-Solicitation provisions.”
28 May 20268-K · 5.02, 5.07Reported the departure of a director or principal officer (CEO/CFO change); submitted matters to a vote of security holdersopen
Risks flagged
Potential dilution from increased share authorization for incentive awards.
“increase in the total number of shares of the Company’s common stock authorized under that plan by 750,000” · word for word
8 May 202610-QNet Interest Income $191M (+14% y/y); Net Income $70M (+439% y/y); Total Deposits $21.59Bopen
Figures in the filing · each found in the filing text
| Net Interest Income · Q1-2026 | $191M | +14% y/y |
| Net Income · Q1-2026 | $70M | +439% y/y |
| Total Deposits · Q1-2026 | $21.59B | |
| Loans and Leases Receivable · Q1-2026 | $15.52B | |
| Allowance for Credit Losses on Loans and Leases · Q1-2026 | $161M | |
| Non-Performing Loans · Q1-2026 | $46M | |
| Diluted EPS · Q1-2026 | $1.97 | +579% y/y |
| Provision for Credit Losses · Q1-2026 | $23M | -17% y/y |
| Operating Cash Flow · Q1-2026 | $35M | -63% y/y |
Risks flagged
Credit Loss Exposure on Corporate Notes
“Allowance for credit losses on corporate notes AFS debt securities $24,524 thousand at March 31, 2026, up from $28,219 thousand at December 31, 2025.”
Interest Rate Sensitivity
“Unrealized losses on AFS debt securities due to changes in market interest rates; AOCI negative $54.7 million.”
23 Apr 20268-K · 2.02, 7.01Net income available to common shareholders $70M; Diluted EPS $1.97; ROAA 1.13earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q1-2026 | $70M | |
| Diluted EPS · Q1-2026 | $1.97 | |
| ROAA · Q1-2026 | 1.1% | |
| ROCE · Q1-2026 | 13.2% | |
| Total loans and leases held for investment · Q1-2026 | $17.40B | +15% y/y |
| Efficiency ratio · Q1-2026 | 49.7% | |
| Non-interest bearing deposits · Q1-2026 | $6.70B | |
| NPA ratio · Q1-2026 | 0.3% | |
| TCE / TA ratio · Q1-2026 | 8.3% |
Risks flagged
Credit quality remains strong with low NPA ratio and high reserve coverage.
“NPA ratio at just 0.29% of total assets and reserve levels are robust at 337% of total non-performing loans.” · word for word
15 Apr 20268-K · 7.01Total Assets $24.90B; Total Loans $16.80B; Total Deposits $20.80Bopen
Figures in the filing · each found in the filing text
| Total Assets · FY2025 | $24.90B | |
| Total Loans · FY2025 | $16.80B | |
| Total Deposits · FY2025 | $20.80B | |
| Core Earnings Per Share · FY2025 | $7.61 | |
| Tangible Book Value Per Share · FY2025 | $61.77 | |
| Core Return on Average Common Equity · FY2025 | 13.7% | |
| Net Interest Margin · FY2025 | 3.3% | |
| Total Revenue · FY2025 | $818M |
Risks flagged
Rapid growth may strain capital and operational infrastructure; concentration risk in loan verticals
“Total assets grew 14% CAGR; loan growth 9% CAGR; deposit growth 16% CAGR”
14 Apr 2026DEF 14AAnnual proxy statement for Customers Bancorp, Inc. with director elections, auditor ratification, advisory vote on executive compensation, and amendment to stock incentive plan.open
Figures in the filing · each found in the filing text
| net_income · FY2025 | $209M | |
| eps_diluted · FY2025 | $6.26 | |
| total_deposits · FY2025 | $1.90B | +10% y/y |
| npl_ratio · 2025-12-31 | 0.3% |
Risks flagged
Leadership Transition Risk
“Jay S. Sidhu transitioned from CEO to Executive Chairman, and Sam Sidhu became CEO effective January 1, 2026.”
Concentration Risk in Loan Growth
“Total loans and leases increased $2.1 billion, or 15% year-over-year, which could indicate rapid growth in potentially riskier segments.” · word for word
23 Mar 20268-K · 5.02Reported a director or officer change (departure, election, appointment or pay arrangement)open
Risks flagged
Loss of board member with risk/compliance committee experience, but retirement is orderly and non-contested.
“Mr. Mackay served on Risk & Compliance and Leadership Development & Compensation committees.”
27 Feb 202610-KNet interest income $750M (+15% y/y); Net income available to common shareholders $209M (+26% y/y); Net interest margin 3.32open
Figures in the filing · each found in the filing text
| Net interest income · FY2025 | $750M | +15% y/y |
| Net income available to common shareholders · FY2025 | $209M | +26% y/y |
| Net interest margin · FY2025 | 3.3% | |
| Cost of deposits · FY2025 | 2.7% | |
| Allowance for credit losses on loans and leases · FY2025 | $156M | |
| Net charge-offs · FY2025 | $59M | -13% y/y |
| Provision for credit losses · FY2025 | $98M | +33% y/y |
| Total assets · FY2025 | $24.90B | +12% y/y |
| Loans and leases receivable · FY2025 | $15.48B | |
| Non-interest income · FY2025 | $68M | +12% y/y |
Risks flagged
Credit loss risk from tariff/recession scenario
“Under this scenario, as an example, the unemployment rate is estimated at 7.4% and 8.1% in 2026 and 2027, respectively. ... This would result in an incremental quantitative impact to the ACL of approximately $101 million at December 31, 2025.” · word for word
Impairment loss on securities
“Impairment loss on debt securities (51,319) — (51,319) NM” · word for word
Concentration in commercial real estate
“higher charge-offs for multifamily loans and non-owner occupied commercial real estate loans” · word for word
11 Feb 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportopen
Risks flagged
No operational or financial risks disclosed; limited information.
“Filing only contains share repurchase authorization; no earnings or operational data.”
22 Jan 20268-K · 2.02, 7.01Customers Bancorp reports Q4 2025 net income $70.1M ($1.98/diluted), core earnings $72.9M ($2.06/diluted). Deposits +$374M, loans +$479M QoQ. Record NII $750.5M for FY2025. CET1 ratio 13.0%. Completed $100M sub debt issuance. CEO highlightsearningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q4-2025 | $70M | |
| GAAP net income per diluted share · Q4-2025 | $1.98 | |
| Core earnings per diluted share · Q4-2025 | $2.06 | |
| Total deposits · Q4-2025 | $20.80B | +10% y/y |
| Loans and leases held for investment · Q4-2025 | $16.80B | +16% y/y |
| Net interest income · Q4-2025 | $204M | |
| ROAA · Q4-2025 | 1.2% | |
| ROCE · Q4-2025 | 13.3% | |
| CET1 capital ratio · Q4-2025 | 13.0% | |
| Tangible book value per share growth · FY2025 | 14.2% |
Risks flagged
Regulatory capital ratios are estimates as of December 31, 2025, subject to finalization.
“Regulatory capital ratios as of December 31, 2025 are estimates.” · word for word
Leadership transition may introduce execution risk, though CEO expresses confidence.
“Leadership transition and succession plan with Sam Sidhu becoming CEO effective January 1, 2026.”
22 Dec 20258-K · 1.01, 2.03Interest rate on subordinated notes 6.875open
Figures in the filing · each found in the filing text
| Interest rate on subordinated notes · point_in_time | 6.9% |
Risks flagged
Increased leverage risk due to subordinated debt issuance.
“Second Supplemental Indenture for 6.875% Fixed-to-Floating Rate Subordinated Notes.”
17 Dec 20258-K · 1.01Aggregate principal amount of subordinated notes $100M; net proceeds $98Mopen
Figures in the filing · each found in the filing text
| aggregate principal amount of subordinated notes · Q4-2025 | $100M | |
| net proceeds · Q4-2025 | $98M |
Risks flagged
Debt service cost increases with 6.875% coupon; potential dilution from future conversions if notes are convertible.
“6.875% Fixed-to-Floating Rate Subordinated Notes due 2036” · word for word
7 Nov 202510-QCustomers Bancorp reported Q3 2025 net income of $75.7M, up 62% YoY, with net interest income up 27.3%.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q3-2025 | $202M | +27% y/y |
| Net income · Q3-2025 | $76M | +62% y/y |
| Loans and leases receivable · 2025-09-30 | $14.67B | |
| Total deposits · 2025-09-30 | $20.41B | |
| Basic earnings per common share · Q3-2025 | $2.28 | +68% y/y |
| Diluted earnings per common share · Q3-2025 | $2.20 | +68% y/y |
| Total assets · 2025-09-30 | $24.26B | |
| Provision for credit losses · Q3-2025 | $27M | +56% y/y |
Risks flagged
Credit loss provision increase
“Provision for credit losses $26,543 (2025) vs $17,066 (2024) for three months ended September 30.”
Impairment loss on debt securities
“Impairment loss on debt securities $51,319 (2025) vs $0 (2024) for nine months ended September 30.”
Customers Bancorp, Inc. — questions
- What did Customers Bancorp, Inc. file recently?
- 21 SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — Customers Bancorp reports Q3 2026 net income $78.4M ($2.25/diluted share), ROAA 1.16%, ROCE 14.0%. Total deposits +$831M QoQ to $22.6B record; loans +$496M QoQ to $18.5B record. NII +$15M (+7.6% QoQ) to $208M. Efficiency ratio improved 340b
Every figure on this page comes from Customers Bancorp, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.