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Customers Bank

Malvern, PA · Cert 34444 · Customers Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Customers Bank

Malvern, PA · Cert 34444 · Customers Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$26.5BAssets
$18.0BLoans
$21.9BDeposits
$2.3BEquity
Loan mix
62%RE $6.8B29%C&I $3.2B8%Consumer $0.9BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $14.8B32%Noninterest $7.1BQ2 2025Q2 2026

NIM

6.29%Q2 ’245.72%Q2 ’255.35%Q2 ’26-1%-1%

Non-interest income vs. expense

1.89%Q2 ’241.83%Q2 ’251.77%Q2 ’26-7%-4%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.4% share · #26 of 151 inst. · $12.1B of $2921.1B

4.4% Westchester
37.6% Berks
4.0% Mercer
1.3% Chester

Executive Summary

  • Earnings: ROA of 1.15%, up 43 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.33% of loans (+9 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 9.34%, up 48 bps from a year ago.
  • Funding: loans stand at 82.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.08%-2 bps YoY

Efficiency Ratio (YTD, annualized)

48.88%-138 bps YoY

Tier 1 Leverage Ratio

9.34%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.92%1.01%1.14%1.15%+43 bps
Return on Equity8.57%10.98%11.95%12.99%13.06%+449 bps
Net Interest Margin3.09%3.06%3.06%3.12%3.08%-2 bps
Efficiency Ratio50.25%48.30%48.22%48.44%48.88%-138 bps
Non-Interest Burden1.28%1.21%1.21%1.22%1.23%-5 bps
Growth
Asset Growth (YoY)7.56%12.99%11.60%15.37%17.58%+1,001 bps
Loan Growth (YoY)13.06%16.01%14.53%15.19%16.89%+383 bps
Deposit Growth (YoY)6.98%13.25%10.36%13.45%14.65%+767 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.20%0.28%0.30%0.33%+9 bps
Net Charge-Offs / Loans0.39%0.37%0.35%0.30%0.31%-8 bps
Allowance / Loans0.96%0.93%0.93%0.93%0.91%-5 bps
Allowance Coverage of NPLs4.0x4.7x3.3x3.1x2.7x-1.3x
Capital
Tier 1 Leverage Ratio8.86%8.83%8.90%9.37%9.34%+48 bps
Total Risk-Based Capital14.43%14.60%14.62%14.77%14.53%+10 bps
Equity / Assets8.54%8.56%8.66%8.86%8.77%+23 bps
Liquidity & Funding
Loans / Deposits80.77%79.06%79.91%80.12%82.35%+158 bps
Liquid Assets / Assets19.01%20.33%20.42%20.78%17.83%-119 bps
CRE / Total Capitaln/a258%274%262%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Customers Bank

Malvern, PA · Cert 34444 · Peer group: banks over $10B in assets (n=142-144) · Customers Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$26.5BAssets
$18.0BLoans
$21.9BDeposits
$2.3BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks over $10B in assets (rank 22 of 142).
  • Widest gap: equity / assets trails 83% of banks over $10B in assets (rank 120 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.11%

Rank 94 of 144

Net Interest Margin

3.08%

Rank 92 of 144

Efficiency Ratio

48.88%

Rank 32 of 144

Equity / Assets

8.77%

Rank 120 of 144

Non-interest income vs. expense

$137.2M$449.8MINCOMEEXPENSE
Unfavorable gap of $312.6M · efficiency ratio beats 78% of banks over $10B in assets
Bank 48.88%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%1.00%1.26%1.54%Beats 35%94 / 144
Return on Equity12.69%8.98%11.34%14.40%Beats 66%49 / 144
Net Interest Margin3.08%2.82%3.31%3.68%Beats 36%92 / 144
Efficiency Ratio48.88%49.42%56.02%62.41%Beats 78%32 / 144
Asset Quality
Nonperforming Loans / Loans0.33%0.48%0.73%1.07%Beats 85%22 / 142
Net Charge-Offs / Loans0.19%0.05%0.11%0.22%Beats 30%100 / 142
Capital
Tier 1 Capital Ratio13.55%12.07%12.98%14.92%Beats 59%58 / 144
Total Risk-Based Capital Ratio14.53%13.39%14.14%16.25%Beats 57%62 / 144
Equity / Assets8.77%9.69%11.39%12.96%Beats 17%120 / 144
Liquidity & Funding
Loans / Deposits82.35%75.72%84.92%91.56%41st pctl85 / 143
Loans / Assets67.97%59.83%69.07%74.80%42nd pctl84 / 144
Brokered Deposits / Depositsn/aNot reported for this institution