Malvern, PA · Cert 34444 · Customers Bcorp Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.4% share · #26 of 151 inst. · $12.1B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.54% | 0.27% | 1.15% | 1.33% | 1.25% | 1.14% | 1.15% | 0 bps | |
| Return on Equity | 10.77% | 6.46% | 3.27% | 13.80% | 15.58% | 14.55% | 12.99% | 13.03% | -77 bps | |
| Net Interest Margin | 3.00% | 3.04% | 3.02% | 3.18% | 3.39% | 3.33% | 3.12% | 3.09% | -8 bps | |
| Efficiency Ratio | 60.85% | 56.28% | 51.56% | 49.05% | 44.87% | 47.99% | 48.44% | 49.32% | +26 bps | |
| Non-Interest Burden | 1.76% | 1.50% | 1.32% | 1.24% | 1.24% | 1.32% | 1.22% | 1.26% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | 4.66% | 5.07% | 7.56% | 12.99% | 11.60% | 15.37% | 17.58% | +1,001 bps | |
| Loan Growth (YoY) | 2.48% | 10.99% | 13.89% | 13.06% | 16.01% | 14.53% | 15.19% | 16.89% | +383 bps | |
| Deposit Growth (YoY) | -0.66% | 5.43% | 5.72% | 6.98% | 13.25% | 10.36% | 13.45% | 14.65% | +767 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.51% | 0.38% | 0.24% | 0.20% | 0.28% | 0.30% | 0.33% | +9 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.40% | 0.45% | 0.34% | 0.38% | 0.33% | 0.30% | 0.32% | -2 bps | |
| Allowance / Loans | 0.95% | 0.93% | 0.93% | 0.96% | 0.93% | 0.93% | 0.93% | 0.91% | -5 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.8x | 2.4x | 4.0x | 4.7x | 3.3x | 3.1x | 2.7x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 8.65% | 8.43% | 8.86% | 8.83% | 8.90% | 9.37% | 9.34% | +48 bps | |
| Total Risk-Based Capital | 15.06% | 14.33% | 13.92% | 14.43% | 14.60% | 14.62% | 14.77% | 14.53% | +10 bps | |
| Equity / Assets | 8.52% | 8.19% | 8.16% | 8.54% | 8.56% | 8.66% | 8.86% | 8.77% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.17% | 77.00% | 78.91% | 80.77% | 79.06% | 79.91% | 80.12% | 82.35% | +158 bps | |
| Liquid Assets / Assets | 19.18% | 21.19% | 19.21% | 19.01% | 20.33% | 20.42% | 20.78% | 17.83% | -119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 274% | 262% | n/a | n/a | |