Customers Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 189.0% in Q2 2026, from $20.3M to $58.6M. It was the largest change from Q1 2026 among the key lines here. Customers Bank ranks 69th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 82.35% (Q2 2026). Customers Bank reported 82.35% on loan-to-deposit ratio for Q2 2026, 4.52 points below the 86.87% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.02B |
| Net loans and leases | $17.85B |
| Loans held for sale | $58.6M |
| Loans to total assets | 67.97% |
| Loan-to-deposit ratio | 82.35% |
| Net loans to equity capital | 7.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.89% |
| Multifamily (5+ residential) | 14.77% |
| Commercial and industrial | 18.13% |
| Consumer | 5.61% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.08% |
| Construction concentration (Tier 1 capital + allowance) | 7.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.31% |
| Interest income on loans | $266.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $13.71B | $18.33B | 12.69% | 19.79% | 8.35% |
| Q4 2023 | $13.20B | $18.05B | 13.98% | 18.39% | 9.40% |
| Q1 2024 | $13.26B | $18.10B | 14.56% | 16.48% | 8.87% |
| Q2 2024 | $13.63B | $17.84B | 15.37% | 16.52% | 8.48% |
| Q3 2024 | $14.05B | $18.21B | 15.47% | 17.94% | 7.24% |
| Q4 2024 | $14.65B | $19.03B | 15.56% | 18.18% | 6.42% |
| Q1 2025 | $15.10B | $19.13B | 16.38% | 19.94% | 6.12% |
| Q2 2025 | $15.41B | $19.08B | 17.71% | 19.10% | 5.52% |
| Q3 2025 | $16.30B | $20.62B | 17.33% | 18.94% | 5.73% |
| Q4 2025 | $16.78B | $21.00B | 19.17% | 18.76% | 5.50% |
| Q1 2026 | $17.39B | $21.71B | 19.51% | 18.39% | 5.26% |
| Q2 2026 | $18.02B | $21.88B | 19.89% | 18.13% | 5.61% |
Customers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Customers Bank, freeSource: Call Report Schedule RC-C, 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)