Customers Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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
- Offices
- 7 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Customers Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Customers 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Customers Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for Customers Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 148 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
- 28 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Customers Bank headquartered?
Customers Bank is headquartered in Malvern, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Customers Bank founded?
Customers Bank was established in 1997, per the FDIC institution directory.
Is Customers Bank FDIC-insured?
Yes. Customers Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Customers Bank's CET1 capital ratio?
Customers Bank 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?
Customers Bank 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?
Customers Bank's Texas Ratio is 2.40% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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