Customers Bank
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Data as of · sourced from FFIEC call reports. How we update
Customers Bank is an FDIC-insured commercial bank headquartered in Malvern, PA, established in 1997 (FDIC certificate 34444), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $26.50B, up 17.6% from Q2 2025, the 4th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34444
- Headquarters
- Malvern, PA
- Established
- 1997
- Total assets, Q2 2026
- $26.50B
- Assets vs Q2 2025
- +17.6%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031302971
- Latest call report
- Q2 2026, FFIEC 041 · Customers Bank call report
- Holding company
- CUSTOMERS BANCORP, INC
- Asset rank in state
- 4th of 109 in Pennsylvania
Little in Customers Bank's latest call report stands out. Based in Malvern, Pennsylvania, it had $26.5 billion in assets at June 30, 2026, up 17.6% from a year earlier. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Net income for the quarter rose 16% from a year earlier, to $75 million. Delinquency has appeared in its $2.7 billion multifamily book: 0.80% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
As of June 30, 2026, Customers Bank reported a CET1 capital ratio of 13.55%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.40%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Customers Bank is the 4th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $26.50B, loans rose 3.6% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was loans to nondepository financial institutions, at 34.1% of total loans, ahead of commercial and industrial loans at 18.1%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities across 3 states; its Rye Brook office books 55% of its branch deposits. On its Q2 2026 call report, Customers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 40 General Warren Blvd, Malvern, PA 19355
- County
- Chester
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 26, 1997
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 883
- Domestic deposits
- $21.88B
- Allowance for credit losses
- $164.1M
- Net charge-offs (YTD)
- $27.8M
- Average total assets
- $25.44B
- Average total loans
- $16.83B
- Average interest-bearing deposits
- $14.76B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 1997
- FDIC Cert
- 34444
- Fed RSSD
- 2354985
- SEC CIK
- 1488813 → filed by CUSTOMERS BANCORP, INC
- Website
- www.customersbank.com →
- Parent Holding Company
- CUSTOMERS BANCORP, INC (RSSD 4284536) · CUBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Samvir S. Sidhu | CEO | CEO |
| Jay S Sidhu | CHR | Chairman |
| Mark R Mccollom | CFO | Chief Financial Officer |
| Wyremski Stephen Francis | COO | Chief Operating Officer |
| Robinson Nicholas John | CRO | Chief Risk Officer |
| Kasulka Thomas Henry | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Customers Bank's total assets ranged from $20.96B (Q2 2024) to $26.50B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$26.50B total assets against $22.54B; $24.18B total liabilities against $20.62B.
$17.85B net loans and leases against $15.26B; $21.88B total deposits against $19.08B.
$3.24B securities against $2.71B; $4.18B cash and balances due against $3.51B.
$344.4M total interest income against $327.8M; $147.7M total interest expense against $149.5M.
$196.7M net interest income against $178.3M.
$33.9M total noninterest income against $34.5M; $113.8M total noninterest expense against $104.4M.
$23.7M provision for credit losses against $22.4M.
$75.2M net income against $64.7M.
1.18% return on assets against 1.15%; 3.24% net interest margin against 3.33%.
13.55% CET1 capital ratio against 13.00%; 9.34% tier 1 leverage ratio against 8.86%.
Inside the full Customers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Customers Bank rankings
Its closest position to the top of a national ranking is 81 of 4,196, for total assets; its furthest is 1,237 of 2,134, for CET1 ratio.
Metric pages for Customers Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q1 2025) to 1.30% (Q3 2025) and its net interest margin ran from 3.10% (Q3 2024) to 3.55% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 1.18% | 0.33% | 2.40% | 3.24% |
| Q1 2026 | 13.78% | 1.16% | 0.30% | 2.11% | 3.28% |
| Q4 2025 | 13.25% | 1.24% | 0.28% | 2.13% | 3.49% |
| Q3 2025 | 13.22% | 1.30% | 0.20% | 1.62% | 3.55% |
| Q2 2025 | 13.00% | 1.15% | 0.24% | 1.65% | 3.33% |
| Q1 2025 | 12.40% | 0.27% | 0.38% | 1.88% | 3.17% |
| Q4 2024 | 12.96% | 0.53% | 0.51% | 2.73% | 3.15% |
| Q3 2024 | 13.64% | 0.91% | 0.46% | 2.11% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ryebrook Branch | Rye Brook , NY | 10573 | $12.06B |
| West Reading Branch | West Reading , PA | 19611 | $8.34B |
| Hamilton Branch | Hamilton , NJ | 08619 | $884.3M |
| Kimberton Branch | Phoenixville , PA | 19460 | $214.0M |
| Doylestown Branch | Doylestown , PA | 18901 | $203.7M |
| Berkshire Mall Branch | Wyomissing , PA | 19610 | $177.2M |
| Customers Bank (main office) | Malvern , PA | 19355 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2011 | M&A | Acquired Berkshire Bank merger for the acquired bank | SEC |
| September 17, 2011 | Structure Change | Acquired Berkshire Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 18, 2010 | Structure Change | Acquired Isn Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 18, 2010 | M&A | Acquired Isn Bank failure_government_assistance_provided for the acquired bank | SEC |
| September 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 10, 2010 | M&A | Acquired USA Bank failure_government_assistance_provided for the acquired bank | SEC |
| July 10, 2010 | Structure Change | Acquired USA Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 9, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (Federal Reserve); 1 against individuals associated with it
- September 22, 2022, Federal Reserve: Civil Money Penalty: Customers Bank, Malvern, Pennsylvania
- December 6, 2016, Federal Reserve: Civil Money Penalty, $960,000: Customers Bank, Phoenixville, Pennsylvania
- December 2, 2016, Federal Reserve: Cease and Desist Order: Customers Bank, Phoenixville, Pennsylvania
- Period: Most recent institution action September 22, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in PA, rank 14 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 393 applications, 328 loans originated, $558.2M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 46 loans, $45.9M approved, $998K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 27 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Customers Bank
What are Customers Bank's total assets?
As of the Q2 2026 filing, Customers Bank reported total assets of $26.50 billion in its FFIEC call report.
Where is Customers Bank headquartered?
It is headquartered in Malvern, PA, United States.
When was Customers Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Customers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Customers Bank?
Customers Bank's primary federal regulator is the Federal Reserve.
What is Customers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Customers Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Customers Bank's Texas Ratio?
Its Texas Ratio is 2.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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