Customers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 24.04 percentage points lower than in Q1 2026, at 204.04%. Within Pennsylvania, Customers Bank is 49th of 109 on return on assets, 1.18% as of Q2 2026. The median for banks in the $10B-100B asset tier is 1.29% on return on assets. Customers Bank sits 0.11 points lower, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.53% |
| Tier 1 leverage ratio | 9.34% |
| Equity capital to assets | 8.77% |
| Tangible equity to tangible assets | 8.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 2.40% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 204.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 13.03% |
| Net interest margin | 3.24% |
| Efficiency ratio | 49.15% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.35% |
| Core deposits to total deposits | 73.41% |
| Brokered deposits to total deposits | 21.10% |
| Deposits to assets | 82.54% |
| Securities to assets | 12.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.97% | 12.97% | 14.46% | 8.25% | 1.60% |
| Q4 2023 | 13.77% | 13.77% | 15.28% | 8.71% | 1.19% |
| Q1 2024 | 14.16% | 14.16% | 15.82% | 8.82% | 0.96% |
| Q2 2024 | 14.17% | 14.17% | 15.64% | 9.16% | 1.14% |
| Q3 2024 | 13.64% | 13.64% | 15.06% | 9.08% | 0.91% |
| Q4 2024 | 12.96% | 12.96% | 14.33% | 8.65% | 0.53% |
| Q1 2025 | 12.40% | 12.40% | 13.92% | 8.43% | 0.27% |
| Q2 2025 | 13.00% | 13.00% | 14.43% | 8.86% | 1.15% |
| Q3 2025 | 13.22% | 13.22% | 14.60% | 8.83% | 1.30% |
| Q4 2025 | 13.25% | 13.25% | 14.62% | 8.90% | 1.24% |
| Q1 2026 | 13.78% | 13.78% | 14.77% | 9.37% | 1.16% |
| Q2 2026 | 13.55% | 13.55% | 14.53% | 9.34% | 1.18% |
Customers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Customers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)