Customers Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.2% to $17.53B. Within Pennsylvania, Customers Bank is 40th of 72 on CET1 ratio, 13.55% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Customers Bank sits 0.59 points higher, at 13.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.53% |
| Tier 1 leverage ratio | 9.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.38B |
| Tier 1 capital | $2.38B |
| Total risk-based capital | $2.55B |
| Total equity capital | $2.32B |
| Risk-weighted assets | $17.53B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.77% |
| Tangible equity to tangible assets | 8.75% |
| Equity capital to average assets | 9.13% |
| Internal capital growth rate | 5.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $29.4M |
| Common stock surplus | $1.13B |
| Retained earnings | $1.22B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.97% | 12.97% | 14.46% | 8.25% | $14.11B |
| Q4 2023 | 13.77% | 13.77% | 15.28% | 8.71% | $13.57B |
| Q1 2024 | 14.16% | 14.16% | 15.82% | 8.82% | $13.41B |
| Q2 2024 | 14.17% | 14.17% | 15.64% | 9.16% | $13.68B |
| Q3 2024 | 13.64% | 13.64% | 15.06% | 9.08% | $14.25B |
| Q4 2024 | 12.96% | 12.96% | 14.33% | 8.65% | $14.90B |
| Q1 2025 | 12.40% | 12.40% | 13.92% | 8.43% | $15.24B |
| Q2 2025 | 13.00% | 13.00% | 14.43% | 8.86% | $15.30B |
| Q3 2025 | 13.22% | 13.22% | 14.60% | 8.83% | $16.05B |
| Q4 2025 | 13.25% | 13.25% | 14.62% | 8.90% | $16.63B |
| Q1 2026 | 13.78% | 13.78% | 14.77% | 9.37% | $16.99B |
| Q2 2026 | 13.55% | 13.55% | 14.53% | 9.34% | $17.53B |
Customers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Customers Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Customers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34444) · FFIEC NIC profile (RSSD 2354985)