# EDGAR Filing Document

**Accession Number:** 0001488813
**File Stem:** 0001488813-26-000012
**Filing Date:** 2026-1
**Character Count:** 153538
**Document Hash:** a7ea12efe9bf4cd5ed7f5fbbc5070245
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001488813-26-000012.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0001488813-26-000012

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 57

**CONFORMED PERIOD OF REPORT**: 20260122

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260122

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Customers Bancorp, Inc.
- **CENTRAL INDEX KEY:** 0001488813
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 272290659
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35542
- **FILM NUMBER:** 26552308

**BUSINESS ADDRESS:**
- **STREET 1:** 701 READING AVENUE
- **CITY:** WEST READING
- **STATE:** PA
- **ZIP:** 19611
- **BUSINESS PHONE:** 484-359-7113

**MAIL ADDRESS:**
- **STREET 1:** 701 READING AVENUE
- **CITY:** WEST READING
- **STATE:** PA
- **ZIP:** 19611

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Customers 1st Bancorp, Inc.
- **DATE OF NAME CHANGE:** 20100408

?xml version='1.0' encoding='ASCII'? cubi-20260122

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d)**

**of the** 

**Securities Exchange Act of 1934**

**Date of Report (date of earliest event reported): January 22, 2026**

![Capture.jpg](cubi-20260122_g1.jpg)

**(Exact name of registrant as specified in its charter)**

**Customers Bancorp, Inc.**

---

| | | |
|:---|:---|:---|
| **Pennsylvania** | **001-35542** | **27-2290659** |
| **(State or other jurisdiction of<br>incorporation or organization)** | **(Commission File number)** | **(IRS Employer<br>Identification No.)** |

---

**701 Reading Avenue** 

**West Reading PA 19611** 

**(Address of principal executive offices, including zip code)**

**(610) 933-2000** 

**(Registrant's telephone number, including area code)**

**N/A**

**(Former name, former address and former fiscal year, if changed since last report)**

Check the appropriate box below if the form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions (see General Instructions A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

------

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<u>Title of Each Class</u>** | **<u>Trading Symbols</u>** | **<u>Name of Each Exchange on which Registered</u>** |
| **Voting Common Stock, par value $1.00 per share** | **CUBI** | **New York Stock Exchange** |
| **5.375% Subordinated Notes due 2034** | **CUBB** | **New York Stock Exchange** |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

**Item 2.02. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Results of Operations and Financial Condition**

On January 22, 2026, Customers Bancorp, Inc. (the "Company") issued a press release announcing unaudited financial information for the quarter ended December 31, 2025, a copy of which is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

**Item 7.01 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure**

The Company has posted to its website a slide presentation which is attached hereto as Exhibit 99.2 to this Current Report on Form 8-K and incorporated into this Item 7.01 by reference.

The information in this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 attached hereto and incorporated by reference into Item 2.02 and Item 7.01, respectively, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, such information, including the exhibits attached hereto, shall not be deemed incorporated by reference into any of the Company's reports or filings with the SEC, whether made before or after the date hereof, except as expressly set forth by specific reference in such report or filing. The information in this Current Report on Form 8-K, including the exhibits attached hereto, shall not be deemed an admission as to the materiality of any information in this Current Report on Form 8-K that is required to be disclosed solely to satisfy the requirements of Regulation FD.

**Item 9.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits**

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit** | **Description** |
| <u>[Exhibit 99.1](q425pressrelease.htm)</u> | Press Release dated January 22, 2026 |
| <u>[Exhibit 99.2](q425investorpresentation.htm)</u> | Slide presentation dated January 2026 |

---

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**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

---

| |
|:---|
| **CUSTOMERS BANCORP, INC.** |
| By: <u>/s/ Mark R. McCollom</u> |
| Name: Mark R. McCollom |
| Title: Executive Vice President - Chief Financial Officer |

---

Date: January 22, 2026

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**EXHIBIT INDEX**

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| <u>[99.1](q425pressrelease.htm)</u> | Press Release dated January 22, 2026 |
| <u>[99.2](q425investorpresentation.htm)</u> | Slide presentation dated January 2026 |

---

## Exhibit 99.1

**Exhibit 99.1**

![customersbancorp_logoxprim.jpg](customersbancorp_logoxprim.jpg)

**Customers Bancorp, Inc.** (NYSE:CUBI)

701 Reading Avenue

West Reading, PA 19611

**Contacts:**<br> Jordan Baucum, Head of Corporate Communications 951-608-8314

**Customers Bancorp Reports Results for Fourth Quarter and Full Year 2025**

**Fourth Quarter 2025 Highlights**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Q4 2025 net income available to common shareholders was $70.1 million, or $1.98 per diluted share; ROAA was 1.20% and ROCE was 13.28%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Q4 2025 core earnings\*<sup>1</sup> were $72.9 million, or $2.06 per diluted share; Core ROAA\* was 1.19% and Core ROCE\* was 13.81%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits increased $373.7 million, or 1.8%, and total loans increased $479.4 million, or 2.9%, in Q4 2025 from Q3 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net interest income totaled $204.4 million in Q4 2025, an increase of $2.5 million from Q3 2025 primarily driven by a decrease in interest expense.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Completed $100 million subordinated debt issuance on December 22, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Redeemed all outstanding shares ($85 million) of Series F Preferred Stock on December 15, 2025.

**Full Year 2025 Highlights**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**•** 2025 net income available to common shareholders was $209.2 million, or $6.26 per diluted share; ROAA was 0.96% and ROCE was 11.22%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 2025 core earnings\* were $254.5 million, or $7.61 per diluted share; Core ROAA\* was 1.13% and Core ROCE\* was 13.65%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits increased $1.9 billion, or 10.3%, and total loans increased $2.1 billion, or 14.5%, from December 31, 2024 to December 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net interest income totaled a record $750.5 million in 2025, an increase of $96.1 million, or 14.7%, from 2024.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CET 1 capital ratio of 13.0%<sup>2</sup> at December 31, 2025, compared to 12.1% at December 31, 2024.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Book value per share and tangible book value per share\* grew year over year by approximately $7.69 or 14.2%, driven by strong 2025 annual earnings combined with the completed common stock offering and decreased AOCI losses of $42.5 million during the year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• $278.8 million increase in total shareholders equity, or 15.2%, driven by completed common stock offering and strong organic earnings.

---

| |
|:---|
| \*Non-GAAP measure. Customers' reasons for the use of the non-GAAP measure and a detailed reconciliation between the non-GAAP measure and the comparable GAAP amount is included at the end of this document. |
| <sup>1</sup> Core earnings exclude loss on redemption of preferred stock of $2.8 million and pre-tax losses on investment securities of $47.0 thousand. |
| <sup>2</sup> Regulatory capital ratios as of December 31, 2025 are estimates. |

---

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**CEO Commentary**

**West Reading, Pa, January 22, 2026** - "We are pleased with our fourth quarter and full year results that show the company's continued execution of its strategic priorities and underscore our success in growing franchise value," said Customers Bancorp Executive Chairman Jay Sidhu.

"During the quarter, we continued to strategically grow our loan and deposit portfolios as we saw momentum throughout the organization. Total loans and leases grew by 14.5% in 2025 with contributions from multiple verticals allowing us to deliver above industry average growth rates without sacrificing on structure or credit quality.

Our new teams recruited since Q2 2023 continued to shine, adding nearly $600 million of deposits in Q4 2025. These 18 teams now manage over $3.3 billion in deposits across over 8,000 commercial accounts. This has allowed us to deliver over $500 million of non-interest bearing deposit growth in 2025 outside of the benefits of our cubiX platform clients.

Our Q4 2025 GAAP earnings were $70.1 million, or $1.98 per diluted share, and core earnings\* were $72.9 million, or $2.06 per diluted share. Asset quality remains strong with our NPA ratio at just 0.29% of total assets and reserve levels are robust at 356% of total non-performing loans at the end of Q4 2025. Our TCE / TA ratio\* increased by 10 basis points from September 30, 2025 to 8.5% at December 31, 2025, while our balance sheet grew by 2.6%.

In 2025, we once again delivered exceptionally strong growth in revenue, core earnings, and tangible book value per share of 14.5%, 35.9%\*, and 14.2%\*, respectively.

We believe that our unique strategy, the investments we are making, and the exceptional talent across our organization position us strongly for continued success. It is because of this positioning that I felt confident in completing the previously announced leadership transition and succession plan with Sam Sidhu becoming Chief Executive Officer of Customers Bancorp, effective January 1, 2026," Jay Sidhu concluded.

\*Non-GAAP measure. Customers' reasons for the use of the non-GAAP measure and a detailed reconciliation between the non-GAAP measure and the comparable GAAP amount are included at the end of this document.<br>

------

**Key Balance Sheet Trends**

**Loans and Leases Held for Investment**

Loans and leases held for investment were $16.8 billion at December 31, 2025, up $484 million, or 3.0%, from September 30, 2025. Non-owner occupied commercial real estate loans increased by $156 million, or 9.9% quarter-over-quarter to $1.7 billion. Multifamily loans increased by $134 million, or 5.7% to $2.5 billion. Mortgage finance loans increased by $123 million, or 7.8% to $1.7 billion. Owner-occupied commercial real estate loans increased by $76 million, or 7.2% to $1.1 billion.

Loans and leases held for investment of $16.8 billion at December 31, 2025 were up $2.3 billion, or 16.0%, year-over-year. Specialized lending increased by $1.2 billion, or 21.4%, year-over-year. Non-owner occupied commercial real estate loans increased by $380 million, or 27.9%. Mortgage finance loans increased by $260 million, or 18.0%. Multifamily loans increased by $238 million, or 10.6%. Consumer installment loans increased by $166 million, or 23.3%, inclusive of the transfer from loans held for sale in Q1 2025.

**Investment Securities**

At December 31, 2025, total investment securities were $2.7 billion, a decrease of $145 million compared to September 30, 2025 and a decrease of $345 million compared to a year ago.

At December 31, 2025, the Available-For-Sale ("AFS") debt securities portfolio had a spot yield of 5.54%, an effective duration of approximately 2.4 years, and approximately 29% are variable rate. Additionally, 69% of the AFS securities portfolio was AAA rated at December 31, 2025.

At December 31, 2025, the Held-To-Maturity ("HTM") debt securities portfolio represented only 2.9% of total assets, had a spot yield of 3.31% and an effective duration of approximately 3.9 years. Additionally, at December 31, 2025, approximately 62% of the HTM securities were AAA rated and $0.3 billion were credit enhanced asset backed securities with no current expectation of credit losses.

**Deposits**

Total deposits increased $374 million to $20.8 billion at December 31, 2025 as compared to the prior quarter. The total average cost of deposits decreased by 23 basis points to 2.54% in Q4 2025 from 2.77% in the prior quarter. Total estimated uninsured deposits were $6.6 billion<sup>1</sup>, or 32% of total deposits at December 31, 2025 with immediately available liquidity covering approximately 161% of these deposits.

Total deposits increased $1.9 billion to $20.8 billion at December 31, 2025 as compared to a year ago. The total average cost of deposits decreased by 53 basis points to 2.54% in Q4 2025 from 3.07% in Q4 2024.

**Borrowings**

Total borrowings increased $228.1 million, or 15.4% to $1.7 billion at December 31, 2025 as compared to the prior quarter. Total borrowings increased $295 million, or 21.0%, to $1.7 billion at December 31, 2025 as compared to a year ago. This increase primarily resulted from net draws of $130 million in FHLB advances and the issuance of $100 million in Customers Bancorp subordinated notes in Q4 2025.

<sup>1</sup> Uninsured deposits (estimate) of $8.6 billion to be reported on the Bank's call report, less deposits of $1.8 billion collateralized by standby letters of credit from the FHLB and from our affiliates of $222 million.

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**Capital**

Customers Bancorp's common equity increased $72 million to $2.1 billion, and tangible common equity\* increased $72 million to $2.1 billion, at December 31, 2025 compared to the prior quarter, respectively, primarily from earnings of $70 million. Customers Bancorp's common equity increased $417 million to $2.1 billion, and tangible common equity\* increased $417 million to $2.1 billion, at December 31, 2025 compared to a year ago, respectively, primarily from earnings of $209 million, the issuance of $163 million of common stock on September 5, 2025 and a decrease in AOCI of $43 million (net of taxes), mostly from decreased unrealized losses on investment securities, offset in part by $6 million of common share repurchases. Book value per common share increased to $61.87 from $59.83 and $54.20, and tangible book value per common share\* increased to $61.77 from $59.72 and $54.08, at December 31, 2025 from September 30, 2025 and December 31, 2024, respectively.

**Credit Quality**

The provision for credit losses in Q4 2025 was $22 million, compared to $27 million in Q3 2025 and $21 million in Q4 2024.

Net charge-offs were $14 million in Q4 2025, compared to $15 million in Q3 2025 and Q4 2024.

The allowance for credit losses on loans and leases was $156 million at December 31, 2025, compared to $152 million at September 30, 2025 and $137 million at December 31, 2024.

Non-performing loans at December 31, 2025 increased to 0.26% of total loans and leases, compared to 0.17% at September 30, 2025 and decreased, compared to 0.30% at December 31, 2024. Nonperforming loans include the guaranteed portion of SBA loans. As of December 31, 2025, nonperforming loans totaled $44 million, of which $10 million represents the government-guaranteed portion. Excluding the government-guaranteed portion, nonperforming loans totaled $34 million, representing 0.20% of total loans and leases.

**Key Profitability Trends**

**Net Interest Income**

Net interest income totaled $204.4 million in Q4 2025, an increase of $2.5 million from Q3 2025. This increase was driven by a decrease in interest expense primarily due to a favorable shift in deposit mix and lower market interest rates.

"Net interest income continued to increase in the quarter despite a decline in market interest rates as we realized the benefits of loan growth, growth in average non-interest bearing and lower-cost deposits, and well managed funding costs," stated Customers Bancorp CEO Sam Sidhu. "Our full year net interest income reached a record level in 2025. We continue to have positive drivers to net interest income on both sides of the balance sheet. We have a strong loan pipeline and the flywheel from our primarily deposit-focused commercial banking team recruitment strategy continued to gain momentum and our recruitment pipeline remains strong," stated Sam Sidhu.

Net interest income totaled $204.4 million in Q4 2025, an increase of $36.6 million from Q4 2024. This increase was primarily due to higher interest income primarily due to higher average loan balances and higher discount accretion in C&I loans and lower interest expense from a favorable shift in deposit mix and lower market interest rates.

**Non-Interest Income**

Reported non-interest income totaled $32.5 million for Q4 2025, an increase of $2.3 million compared to $30.2 million for Q3 2025. The increase was primarily due to increases of $2.7 million in commercial lease income and other non-interest income of $3.9 million primarily from an increase of $2.0 million in gain on sale of leased assets and gains on certain derivatives. These increases were partially offset by a decrease of $4.0 million in loan fees mostly associated with the settlement of stock warrants in Q3 2025.

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Non-interest income totaled $32.5 million for Q4 2025, an increase of $32.9 million compared to Q4 2024. The increase was primarily due to a decrease in net loss on sale of investment securities of $26.2 million and increases in commercial lease income of $3.6 million and gain on sale of leased assets of $2.6 million included in other non-interest income, partially offset by a decrease of $1.2 million in loan fees.

**Non-Interest Expense**

Non-interest expenses totaled $117.3 million in Q4 2025, an increase of $12.1 million compared to Q3 2025. The increase was primarily attributable to increases of $3.0 million in salaries and employee benefits primarily due to higher headcount and incentives and $2.2 million in commercial lease depreciation associated with the Bank's continued growth, and within other non-interest expense of $2.8 million in provision for credit losses on unfunded lending commitments and $2.2 million in insurance expenses related to investments in tax credit structures with a corresponding benefit to income tax expense.

"We had a total of $4.8 million of expense that was unique to the quarter including $1.9 million of legal expense associated with a new team onboarding, $2.2 million of insurance expense on tax credit purchases with corresponding benefit to income tax expense, and $0.7 million of stock compensation and benefit expense. Additionally we had $2.2 million of higher commercial lease depreciation driven by higher volume which came with corresponding revenues. Even with these costs and investments we continue to make in our future our efficiency ratio remained very strong," stated Customers Bancorp CFO Mark McCollom.

Non-interest expenses totaled $117.3 million in Q4 2025, an increase of $6.9 million compared to Q4 2024. The increase was primarily attributable to increases of $4.6 million in salaries and employee benefits and $2.7 million in commercial lease depreciation associated with the Bank's continued growth, and within other non-interest expense of $2.7 million in provision for credit losses on unfunded lending commitments and $2.2 million in insurance expenses related to investments in tax credit structures with a corresponding benefit to income tax expense. These increases were partially offset by decreases of $2.0 million in technology, communication and bank operations primarily due to lower deposit servicing fees, fees paid to a fintech company related to a consumer installment loan origination program included within other non-interest expense, professional fees and FDIC assessments, non-income taxes and regulatory fees.

**Taxes**

Income tax expense decreased by $1.8 million to a provision of $22.8 million in Q4 2025 from $24.6 million in Q3 2025 primarily due to lower pre-tax income, and increased by $13.9 million from $8.9 million in Q4 2024 primarily due to higher pre-tax income, partially offset by a lower increase of unrecognized benefits in Q4 2025 as compared to Q4 2024. The effective tax rate was 23.4% for Q4 2025.

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**Outlook**

"We were very pleased with our fourth quarter and full year results and remain focused on executing in those areas which differentiate us from our peers. We believe that truly exceptional service, sophisticated product offerings, recruitment of top talent, exceptional payment capabilities, and a single point of contact service model will deliver sustainable long-term growth.

As we look forward to 2026 our priorities will evolve but broadly remain unchanged. We will look to continue to deliver above industry average loan and deposit portfolio growth. We will build upon our successful team recruitment strategy, with newly recruited teams supporting our future growth. We will seek to deepen and broaden our payments capabilities building upon the incredible foundation our team has laid over the past two years. And we will target increasing our utilization of AI and automation technologies to transform our organization by providing enhanced client experiences and organizational productivity. We will seek to do this while maintaining a strong capital base, liquidity, and credit quality.

For 2026 we are targeting loan growth of 8% to 12% and deposit growth of 8% to 12%, resulting in net interest income growing to $800 to $830 million. We project non-interest expenses of $440 to $460 million as we continue to make investments in our future, largely in people and technology, but remain focused on driving positive operating leverage even with these investments. For capital, we are targeting CET1 of 11.5% to 12.5% and expect a tax rate of 23% to 25%.

We believe we are incredibly well positioned to continue to improve market share, winning new client relationships and that we have the right strategy, the right team, and a client-centric culture to achieve our goals in 2026 and beyond," concluded Sam Sidhu.

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**Webcast**

Date:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Friday, January 23, 2026&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Time:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9:00 AM EST

The live audio webcast, presentation slides, and earnings press release will be made available at https://www.customersbank.com and at the Customers Bancorp 4th Quarter Earnings Webcast.

You may submit questions in advance of the live webcast by emailing our Head of Corporate Communications, Jordan Baucum at jbaucum@customersbank.com.

The webcast will be archived for viewing on the Customers Bank Investor Relations page and available beginning approximately two hours after the conclusion of the live event.

**Institutional Background**

Customers Bancorp, Inc. (NYSE:CUBI) is one of the nation's top-performing banking companies with over $24 billion in assets making it one of the 80 largest bank holding companies in the U.S. Customers Bank's commercial and consumer clients benefit from a full suite of technology-enabled tailored product experiences delivered by best-in-class customer service distinguished by a Single Point of Contact approach. In addition to traditional lines such as C&I, commercial real estate, and residential and personal lending, Customers Bank also provides a number of national corporate banking services to clients in businesses including: fund finance, venture banking, healthcare, mortgage finance, and equipment finance. Major accolades include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Named a Top 10 Performing Bank by American Banker for five consecutive years (2021-2025), including the #1 spot in 2024 among midsize banks ($10B to $50B in assets)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No. 72 out of the 100 largest publicly traded banks in 2025 Forbes Best Banks list

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net Promoter Score of 81 compared to industry average of 41

A member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance Corporation, Customers Bank is an equal opportunity lender. Learn more: www.customersbank.com.

**"Safe Harbor" Statement**

In addition to historical information, this press release may contain "forward-looking statements" within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with respect to Customers Bancorp, Inc.'s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed by, or that include the words "may," "could," "should," "pro forma," "looking forward," "would," "believe," "expect," "anticipate," "estimate," "intend," "plan," "project," or similar expressions generally indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole or in part, are beyond Customers Bancorp, Inc.'s control). Numerous competitive, economic, regulatory, legal and technological events and factors, among others, could cause Customers Bancorp, Inc.'s financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in such forward-looking statements, including: a continuation of the recent turmoil in the banking industry, responsive measures taken by us and regulatory authorities to mitigate and manage related risks, regulatory actions taken that address related issues and the costs and obligations associated therewith, such as the FDIC special assessments; the potential for negative consequences resulting from regulatory violations, investigations and examinations, including potential supervisory actions, the assessment of fines and penalties, the imposition of sanctions, the need to undertake remedial actions and possible damage to our reputation; effects of competition on deposit rates and growth, loan rates and growth and net interest margin; failure to identify and adequately and promptly address cybersecurity risks, including data breaches and cyberattacks; public health crises and pandemics and their effects on the economic and business environments in which we operate; geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or

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threats of terrorism and military conflicts, including the war between Russia and Ukraine and ongoing conflict in the Middle East or South America, which could impact economic conditions in the United States; the impact that changes in the economy have on the performance of our loan and lease portfolio, the market value of our investment securities, the demand for our products and services and the availability of sources of funding; the effects of actions by the federal government, including the Board of Governors of the Federal Reserve System and other government agencies, that affect market interest rates and the money supply; actions that we and our customers take in response to these developments and the effects such actions have on our operations, products, services and customer relationships; higher inflation and its impacts; the effects of changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs on its trading partners; and the effects of any changes in accounting standards or policies. Customers Bancorp, Inc. cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are based on management's current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers Bancorp, Inc.'s filings with the Securities and Exchange Commission, including its most recent annual report on Form 10-K for the year ended December 31, 2024, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any amendments thereto, that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. Customers Bancorp, Inc. does not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by Customers Bancorp, Inc. or by or on behalf of Customers Bank, except as may be required under applicable law.

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| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** | **FINANCIAL HIGHLIGHTS - UNAUDITED** |
| *(Dollars in thousands, except per share data)* | **Q4** | **Q3** | **Q2** | **Q1** | **Q4** | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
| *(Dollars in thousands, except per share data)* | **2025** | **2025** | **2025** | **2025** | **2024** | **2025** | **2024** |
| **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** |
| Net income available to common shareholders | $70088 | $73726 | $55846 | $9523 | $23266 | $209183 | $166429 |
| Per share amounts: |  |  |  |  |  |  |  |
| Earnings per share - diluted | $1.98 | $2.20 | $1.73 | $0.29 | $0.71 | $6.26 | $5.09 |
| Book value per common share | $61.87 | $59.83 | $56.36 | $54.85 | $54.20 | $61.87 | $54.20 |
| Return on average assets ("ROAA") | 1.20% | 1.26% | 1.09% | 0.23% | 0.48% | 0.96% | 0.85% |
| Return on average common equity ("ROCE") | 13.28% | 15.57% | 12.79% | 2.23% | 5.50% | 11.22% | 10.36% |
| Net interest margin, tax equivalent | 3.40% | 3.46% | 3.27% | 3.13% | 3.11% | 3.32% | 3.15% |
| Efficiency ratio | 49.52% | 45.39% | 51.23% | 52.94% | 56.86% | 49.59% | 56.21% |
| **Non-GAAP Profitability Metrics** <sup>(1)</sup>**:** |  |  |  |  |  |  |  |
| Core earnings | $72851 | $73473 | $58147 | $50002 | $44168 | $254473 | $183105 |
| Per share amounts: |  |  |  |  |  |  |  |
| Core earnings per share - diluted | $2.06 | $2.20 | $1.80 | $1.54 | $1.36 | $7.61 | $5.60 |
| Tangible book value per common share | $61.77 | $59.72 | $56.24 | $54.74 | $54.08 | $61.77 | $54.08 |
| Core ROAA | 1.19% | 1.25% | 1.10% | 0.97% | 0.86% | 1.13% | 0.92% |
| Core ROCE | 13.81% | 15.52% | 13.32% | 11.72% | 10.44% | 13.65% | 11.40% |
| Core efficiency ratio | 49.52% | 45.40% | 51.56% | 52.69% | 56.12% | 49.62% | 56.25% |
| **Balance Sheet Trends:** |  |  |  |  |  |  |  |
| Total assets | $24895868 | $24260163 | $22550800 | $22423044 | $22308241 | $24895868 | $22308241 |
| Total cash and investment securities | $7078243 | $6997783 | $6234043 | $6424406 | $6797562 | $7078243 | $6797562 |
| Total loans and leases | $16782516 | $16303147 | $15412400 | $15097968 | $14653556 | $16782516 | $14653556 |
| Non-interest bearing demand deposits | $6303748 | $6380879 | $5481065 | $5552605 | $5608288 | $6303748 | $5608288 |
| Total deposits | $20778704 | $20405023 | $18976018 | $18932925 | $18846461 | $20778704 | $18846461 |
| **Asset Quality:** |  |  |  |  |  |  |  |
| Net charge-offs | $13749 | $15371 | $13115 | $17144 | $14612 | $59379 | $68335 |
| Annualized net charge-offs to average total loans and leases | 0.33% | 0.39% | 0.35% | 0.48% | 0.41% | 0.38% | 0.50% |
| Nonaccrual / non-performing loans ("NPLs") | $43688 | $28421 | $28443 | $43513 | $43275 | $43688 | $43275 |
| NPLs to total loans and leases | 0.26% | 0.17% | 0.18% | 0.29% | 0.30% | 0.26% | 0.30% |
| Reserves to NPLs | 356.29% | 534.14% | 518.29% | 324.22% | 316.06% | 356.29% | 316.06% |
| Non-performing assets ("NPAs") | $72344 | $61057 | $60778 | $57960 | $55807 | $72344 | $55807 |
| NPAs to total assets | 0.29% | 0.25% | 0.27% | 0.26% | 0.25% | 0.29% | 0.25% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** | **FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)** |
| *(Dollars in thousands, except per share data)* | **Q4** | **Q3** | **Q2** | **Q1** | **Q4** | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
| *(Dollars in thousands, except per share data)* | **2025** | **2025** | **2025** | **2025** | **2024** | **2025** | **2024** |
| **Capital Metrics:** |  |  |  |  |  |  |  |
| Common equity to total assets | 8.5% | 8.4% | 7.9% | 7.7% | 7.6% | 8.5% | 7.6% |
| Tangible common equity to tangible assets <sup>(1)</sup> | 8.5% | 8.4% | 7.9% | 7.7% | 7.6% | 8.5% | 7.6% |
| Common equity Tier 1 capital ratio <sup>(2)</sup> | 13.0% | 13.00% | 12.05% | 11.72% | 12.09% | 13.0% | 12.09% |
| Total risk based capital ratio <sup>(2)</sup> | 15.4% | 15.35% | 14.49% | 14.61% | 14.88% | 15.4% | 14.88% |
| **Customers Bank Capital Ratios** <sup>(2)</sup>**:** |  |  |  |  |  |  |  |
| Common equity Tier 1 capital to risk-weighted assets | 13.3% | 13.22% | 13.00% | 12.40% | 12.96% | 13.3% | 12.96% |
| Total capital to risk-weighted assets | 14.6% | 14.60% | 14.43% | 13.92% | 14.34% | 14.6% | 14.34% |
| Tier 1 capital to average assets (leverage ratio) | 8.9% | 8.84% | 8.86% | 8.43% | 8.65% | 8.9% | 8.65% |
| **Share amounts:** |  |  |  |  |  |  |  |
| Average shares outstanding - basic | 34170777 | 32340813 | 31585390 | 31447623 | 31346920 | 32393487 | 31509179 |
| Average shares outstanding - diluted | 35396324 | 33460055 | 32374061 | 32490572 | 32557621 | 33438296 | 32719134 |
| Shares outstanding | 34191223 | 34163506 | 31606934 | 31479132 | 31346507 | 34191223 | 31346507 |
| (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. | (1) Customers' reasons for the use of these non-GAAP measures and a detailed reconciliation between the non-GAAP measures and the comparable GAAP amounts are included at the end of this document. |
| (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. | (2) Regulatory capital ratios are estimated for Q4 2025 and actual for the remaining periods. In accordance with regulatory capital rules, Customers elected to apply the CECL capital transition provisions which delayed the effects of CECL on regulatory capital for two years until January 1, 2022, followed by a three-year transition period. The cumulative CECL capital transition impact as of December 31, 2021 which amounted to $61.6 million was phased in at 25% per year beginning on January 1, 2022 through December 31, 2024. As of December 31, 2025, our regulatory capital ratios reflected the full effect of CECL on regulatory capital. |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** | **CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED** |
| *(Dollars in thousands, except per share data)* |  |  |  |  |  | **Twelve Months Ended** | **Twelve Months Ended** |
|  | **Q4** | **Q3** | **Q2** | **Q1** | **Q4** | **December 31,** | **December 31,** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** | **2025** | **2024** |
| Interest income: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans and leases | $274752 | $272131 | $246869 | $231008 | $230534 | $1024760 | $901457 |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 31979 | 36091 | 37381 | 34339 | 39638 | 139790 | 180291 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning deposits | 44862 | 49639 | 39972 | 42914 | 48147 | 177387 | 190842 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans held for sale | 1432 | 1589 | 1806 | 4761 | 9447 | 9588 | 46073 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 2173 | 2029 | 1973 | 1887 | 2140 | 8062 | 9171 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 355198 | 361479 | 328001 | 314909 | 329906 | 1359587 | 1327834 |
| Interest expense: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | 131797 | 141983 | 134045 | 131308 | 144974 | 539133 | 603312 |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 14490 | 12945 | 12717 | 11801 | 12595 | 51953 | 52107 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt | 3355 | 3251 | 3229 | 3212 | 3349 | 13047 | 12309 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other borrowings | 1128 | 1388 | 1307 | 1142 | 1167 | 4965 | 5702 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 150770 | 159567 | 151298 | 147463 | 162085 | 609098 | 673430 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income | 204428 | 201912 | 176703 | 167446 | 167821 | 750489 | 654404 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | 22337 | 26543 | 20781 | 28297 | 21194 | 97958 | 73451 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income after provision for credit losses | 182091 | 175369 | 155922 | 139149 | 146627 | 652531 | 580953 |
| Non-interest income: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial lease income | 14186 | 11536 | 11056 | 10668 | 10604 | 47446 | 40662 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan fees | 7420 | 11443 | 9106 | 7235 | 8639 | 35204 | 27163 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | 2189 | 2165 | 2249 | 4660 | 2125 | 11263 | 9442 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage finance transactional fees | 1339 | 1298 | 1175 | 933 | 1010 | 4745 | 4101 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net gain (loss) on sale of loans and leases | (62) |  |  | 2 | (852) | (60) | (15628) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net gain (loss) on sale of investment securities | (27) | 186 | (1797) |  | (26260) | (1638) | (27009) |
| &nbsp;&nbsp;&nbsp;&nbsp;Impairment loss on debt securities |  |  |  | (51319) |  | (51319) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Unrealized gain on equity method investments |  |  |  |  | 389 |  | 11430 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 7471 | 3563 | 7817 | 3331 | 3954 | 22182 | 10273 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income (loss) | 32516 | 30191 | 29606 | (24490) | (391) | 67823 | 60434 |
| Non-interest expense: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits | 51744 | 48723 | 45848 | 42674 | 47147 | 188989 | 175836 |
| &nbsp;&nbsp;&nbsp;&nbsp;Technology, communication and bank operations | 11388 | 10415 | 10382 | 11312 | 13435 | 43497 | 65154 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial lease depreciation | 11668 | 9463 | 8743 | 8463 | 8933 | 38337 | 32543 |
| &nbsp;&nbsp;&nbsp;&nbsp;Professional services | 12390 | 12281 | 13850 | 11857 | 13473 | 50378 | 34978 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan servicing | 4050 | 4167 | 4053 | 4630 | 4584 | 16900 | 15909 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy | 4291 | 4370 | 3551 | 3412 | 3335 | 15624 | 11789 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC assessments, non-income taxes and regulatory fees | 9023 | 8505 | 11906 | 11750 | 10077 | 41184 | 41684 |
| &nbsp;&nbsp;&nbsp;&nbsp;Advertising and promotion | 812 | 636 | 461 | 528 | 1645 | 2437 | 4489 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 11943 | 6657 | 7832 | 8145 | 7746 | 34577 | 34632 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense | 117309 | 105217 | 106626 | 102771 | 110375 | 431923 | 417014 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income before income tax expense (benefit) | 97298 | 100343 | 78902 | 11888 | 35861 | 288431 | 224373 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense (benefit) | 22806 | 24598 | 17963 | (1024) | 8946 | 64343 | 42904 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net income** | 74492 | 75745 | 60939 | 12912 | 26915 | 224088 | 181469 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Preferred stock dividends** | 1605 | 2019 | 3185 | 3389 | 3649 | 10198 | 15040 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loss on redemption of preferred stock** | 2799 |  | 1908 |  |  | 4707 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net income available to common shareholders** | $70088 | $73726 | $55846 | $9523 | $23266 | $209183 | $166429 |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic earnings per common share | $2.05 | $2.28 | $1.77 | $0.30 | $0.74 | $6.46 | $5.28 |
| &nbsp;&nbsp;&nbsp;&nbsp;Diluted earnings per common share | 1.98 | 2.20 | 1.73 | 0.29 | 0.71 | 6.26 | 5.09 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **CONSOLIDATED BALANCE SHEET - UNAUDITED** | **CONSOLIDATED BALANCE SHEET - UNAUDITED** | **CONSOLIDATED BALANCE SHEET - UNAUDITED** | **CONSOLIDATED BALANCE SHEET - UNAUDITED** | **CONSOLIDATED BALANCE SHEET - UNAUDITED** | **CONSOLIDATED BALANCE SHEET - UNAUDITED** |
| *(Dollars in thousands)* | *(Dollars in thousands)* | *(Dollars in thousands)* | *(Dollars in thousands)* | *(Dollars in thousands)* | *(Dollars in thousands)* |
|  | **December 31,** | **September 30,** | **June 30,** | **March 31,** | **December 31,** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| **ASSETS** |  |  |  |  |  |
| Cash and due from banks | $62051 | $57951 | $72986 | $62146 | $56787 |
| Interest earning deposits | 4349412 | 4127688 | 3430525 | 3366544 | 3729144 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 4411463 | 4185639 | 3503511 | 3428690 | 3785931 |
| Investment securities, at fair value | 1937646 | 2010820 | 1877406 | 2057555 | 2019694 |
| Investment securities held to maturity | 729134 | 801324 | 853126 | 938161 | 991937 |
| Loans held for sale | 26102 | 30897 | 32963 | 37529 | 204794 |
| Loans and leases receivable | 15041340 | 14673636 | 13719829 | 13555820 | 13127634 |
| Loans receivable, mortgage finance, at fair value | 1612997 | 1486978 | 1536254 | 1366460 | 1321128 |
| Loans receivable, installment, at fair value | 102077 | 111636 | 123354 | 138159 |  |
| Allowance for credit losses on loans and leases | (155656) | (151809) | (147418) | (141076) | (136775) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans and leases receivable, net of allowance for credit losses on loans and leases | 16600758 | 16120441 | 15232019 | 14919363 | 14311987 |
| FHLB, Federal Reserve Bank, and other restricted stock | 110411 | 103290 | 100590 | 96758 | 96214 |
| Accrued interest receivable | 103626 | 106379 | 101481 | 105800 | 108351 |
| Bank premises and equipment, net | 16745 | 15340 | 5978 | 6653 | 6668 |
| Bank-owned life insurance | 305503 | 303212 | 300747 | 298551 | 297641 |
| Other real estate owned | 12432 | 12432 | 12306 |  |  |
| Goodwill and other intangibles | 3629 | 3629 | 3629 | 3629 | 3629 |
| Other assets | 638419 | 566760 | 527044 | 530355 | 481395 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total assets** | $24895868 | $24260163 | $22550800 | $22423044 | $22308241 |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |  |  |
| Demand, non-interest bearing deposits | $6303748 | $6380879 | $5481065 | $5552605 | $5608288 |
| Interest bearing deposits | 14474956 | 14024144 | 13494953 | 13380320 | 13238173 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 20778704 | 20405023 | 18976018 | 18932925 | 18846461 |
| FHLB advances | 1325068 | 1195437 | 1195377 | 1133456 | 1128352 |
| Other borrowings | 99208 | 99173 | 99138 | 99103 | 99068 |
| Subordinated debt | 281147 | 182718 | 182649 | 182579 | 182509 |
| Accrued interest payable and other liabilities | 296224 | 251753 | 234060 | 210421 | 215168 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities** | 22780351 | 22134104 | 20687242 | 20558484 | 20471558 |
| Preferred stock |  | 82201 | 82201 | 137794 | 137794 |
| Common stock | 36189 | 36161 | 36123 | 35995 | 35758 |
| Additional paid in capital | 666756 | 662252 | 572473 | 570172 | 575333 |
| Retained earnings | 1535194 | 1465106 | 1391380 | 1335534 | 1326011 |
| Accumulated other comprehensive income (loss), net | (54050) | (51089) | (71325) | (67641) | (96560) |
| Treasury stock, at cost | (68572) | (68572) | (147294) | (147294) | (141653) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total shareholders' equity** | 2115517 | 2126059 | 1863558 | 1864560 | 1836683 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities and shareholders' equity** | $24895868 | $24260163 | $22550800 | $22423044 | $22308241 |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED** |
| *(Dollars in thousands)* |  |  |  |  |  |  |  |  |  |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
|  | **Average Balance** | **Interest Income or Expense** | **Average Yield or Cost (%)** | **Average Balance** | **Interest Income or Expense** | **Average Yield or Cost (%)** | **Average Balance** | **Interest Income or Expense** | **Average Yield or Cost (%)** |
| **Assets** |  |  |  |  |  |  |  |  |  |
| Interest earning deposits | 4421242 | 44862 | 4.03% | 4409220 | 49639 | 4.47% | 3973262 | 48147 | 4.82% |
| Investment securities <sup>(1)</sup> | 2849764 | 31979 | 4.45% | 2931351 | 36091 | 4.88% | 3392850 | 39638 | 4.65% |
| Loans and leases: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial & industrial: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Specialized lending loans and leases <sup>(2)</sup> | 7775247 | 139552 | 7.12% | 7317299 | 136652 | 7.41% | 6022062 | 121818 | 8.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other commercial & industrial loans <sup>(2)</sup> | 1477351 | 32320 | 8.68% | 1492155 | 35475 | 9.43% | 1529478 | 25514 | 6.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage finance loans | 1536265 | 17862 | 4.61% | 1478871 | 18454 | 4.95% | 1316884 | 16704 | 5.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Multifamily loans | 2445945 | 27990 | 4.54% | 2306373 | 25931 | 4.46% | 2162825 | 22400 | 4.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied commercial real estate loans | 1784838 | 26635 | 5.92% | 1635937 | 24148 | 5.86% | 1491170 | 21770 | 5.81% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgages | 541091 | 6392 | 4.69% | 551436 | 6647 | 4.78% | 535833 | 6301 | 4.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment loans | 945697 | 25433 | 10.67% | 938890 | 26413 | 11.16% | 1023569 | 25474 | 9.90% |
| Total loans and leases <sup>(3)</sup> | 16506434 | 276184 | 6.64% | 15720961 | 273720 | 6.91% | 14081821 | 239981 | 6.78% |
| Other interest-earning assets | 153480 | 2173 | 5.62% | 140011 | 2029 | 5.75% | 122784 | 2140 | 6.93% |
| **Total interest-earning assets** | 23930920 | 355198 | 5.89% | 23201543 | 361479 | 6.19% | 21570717 | 329906 | 6.09% |
| Non-interest-earning assets | 790453 |  |  | 729180 |  |  | 609253 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total assets** | 24721373 |  |  | 23930723 |  |  | 22179970 |  |  |
| **Liabilities** |  |  |  |  |  |  |  |  |  |
| Interest checking accounts | 4889245 | 42168 | 3.42% | 4983168 | 48105 | 3.83% | 5597302 | 57268 | 4.07% |
| Money market deposit accounts | 4421276 | 40387 | 3.62% | 4360446 | 42980 | 3.91% | 3974776 | 42492 | 4.25% |
| Other savings accounts | 1562768 | 14384 | 3.65% | 1485652 | 14724 | 3.93% | 1258018 | 12939 | 4.09% |
| Certificates of deposit | 3152637 | 34858 | 4.39% | 3108831 | 36174 | 4.62% | 2612246 | 32275 | 4.92% |
| Total interest-bearing deposits <sup>(4)</sup> | 14025926 | 131797 | 3.73% | 13938097 | 141983 | 4.04% | 13442342 | 144974 | 4.29% |
| Borrowings | 1666006 | 18973 | 4.52% | 1429981 | 17584 | 4.88% | 1364138 | 17111 | 4.99% |
| **Total interest-bearing liabilities** | 15691932 | 150770 | 3.81% | 15368078 | 159567 | 4.12% | 14806480 | 162085 | 4.36% |
| Non-interest-bearing deposits <sup>(4)</sup> | 6599095 |  |  | 6362360 |  |  | 5346912 |  |  |
| Total deposits and borrowings | 22291027 |  | 2.68% | 21730438 |  | 2.91% | 20153392 |  | 3.20% |
| Other non-interest-bearing liabilities | 269824 |  |  | 239969 |  |  | 204947 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities** | 22560851 |  |  | 21970407 |  |  | 20358339 |  |  |
| **Shareholders' equity** | 2160522 |  |  | 1960316 |  |  | 1821631 |  |  |
| **Total liabilities and shareholders' equity** | 24721373 |  |  | 23930723 |  |  | 22179970 |  |  |
| Net interest income |  | 204428 |  |  | 201912 |  |  | 167821 |  |
| Tax-equivalent adjustment |  | 348 |  |  | 360 |  |  | 377 |  |
| Net interest earnings |  | 204776 |  |  | 202272 |  |  | 168198 |  |
| **Interest spread** |  |  | 3.21% |  |  | 3.27% |  |  | 2.89% |
| **Net interest margin** |  |  | 3.39% |  |  | 3.46% |  |  | 3.10% |
| **Net interest margin tax equivalent** <sup>(5)</sup> |  |  | 3.40% |  |  | 3.46% |  |  | 3.11% |
| (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. |
| (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. |
| (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. |
| (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.54%, 2.77% and 3.07% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, respectively. |
| (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the three months ended December 31, 2025, September 30, 2025 and December 31, 2024, presented to approximate interest income as a taxable asset. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** | **AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)** |
| *(Dollars in thousands)* |  |  |  |  |  |  |
|  | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** | **Twelve Months Ended** |
|  | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
|  | **Average Balance** | **Interest Income or Expense** | **Average Yield or Cost (%)** | **Average Balance** | **Interest Income or Expense** | **Average Yield or Cost (%)** |
| **Assets** |  |  |  |  |  |  |
| Interest earning deposits | 4065804 | 177387 | 4.36% | 3597260 | 190842 | 5.31% |
| Investment securities <sup>(1)</sup> | 2942386 | 139790 | 4.75% | 3650320 | 180291 | 4.94% |
| Loans and leases: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial & industrial: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Specialized lending loans and leases <sup>(2)</sup> | 7092259 | 524009 | 7.39% | 5637189 | 483052 | 8.57% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other commercial & industrial loans <sup>(2)</sup> | 1499021 | 117590 | 7.84% | 1564167 | 102001 | 6.52% |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage finance loans | 1443183 | 69417 | 4.81% | 1192827 | 62344 | 5.23% |
| &nbsp;&nbsp;&nbsp;&nbsp;Multifamily loans | 2336288 | 102866 | 4.40% | 2116168 | 86263 | 4.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied commercial real estate loans | 1638695 | 95350 | 5.82% | 1412201 | 83484 | 5.91% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgages | 540097 | 25611 | 4.74% | 526133 | 24046 | 4.57% |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment loans | 925745 | 99505 | 10.75% | 1104470 | 106340 | 9.63% |
| Total loans and leases <sup>(3)</sup> | 15475288 | 1034348 | 6.68% | 13553155 | 947530 | 6.99% |
| Other interest-earning assets | 138851 | 8062 | 5.81% | 114983 | 9171 | 7.98% |
| **Total interest-earning assets** | 22622329 | 1359587 | 6.01% | 20915718 | 1327834 | 6.35% |
| Non-interest-earning assets | 718415 |  |  | 518472 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total assets** | 23340744 |  |  | 21434190 |  |  |
| **Liabilities** |  |  |  |  |  |  |
| Interest checking accounts | 5040107 | 187421 | 3.72% | 5660890 | 248400 | 4.39% |
| Money market deposit accounts | 4202317 | 161531 | 3.84% | 3559362 | 159598 | 4.48% |
| Other savings accounts | 1382787 | 52566 | 3.80% | 1595357 | 73947 | 4.64% |
| Certificates of deposit | 2967454 | 137615 | 4.64% | 2434622 | 121367 | 4.99% |
| Total interest-bearing deposits <sup>(4)</sup> | 13592665 | 539133 | 3.97% | 13250231 | 603312 | 4.55% |
| Borrowings | 1465852 | 69965 | 4.77% | 1414583 | 70118 | 4.96% |
| **Total interest-bearing liabilities** | 15058517 | 609098 | 4.04% | 14664814 | 673430 | 4.59% |
| Non-interest-bearing deposits <sup>(4)</sup> | 6069665 |  |  | 4807647 |  |  |
| Total deposits and borrowings | 21128182 |  | 2.88% | 19472461 |  | 3.46% |
| Other non-interest-bearing liabilities | 244480 |  |  | 217172 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities** | 21372662 |  |  | 19689633 |  |  |
| **Shareholders' equity** | 1968082 |  |  | 1744557 |  |  |
| **Total liabilities and shareholders' equity** | 23340744 |  |  | 21434190 |  |  |
| Net interest income |  | 750489 |  |  | 654404 |  |
| Tax-equivalent adjustment |  | 1437 |  |  | 1556 |  |
| Net interest earnings |  | 751926 |  |  | 655960 |  |
| **Interest spread** |  |  | 3.13% |  |  | 2.89% |
| **Net interest margin** |  |  | 3.32% |  |  | 3.14% |
| **Net interest margin tax equivalent** <sup>(5)</sup> |  |  | 3.32% |  |  | 3.15% |
| (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. | (1) For presentation in this table, average balances and the corresponding average yields for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts. |
| (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. | (2) Includes owner occupied commercial real estate loans. |
| (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. | (3) Includes non-accrual loans, the effect of which is to reduce the yield earned on loans and leases, and deferred loan fees. |
| (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.74% and 3.34% for the twelve months ended December 31, 2025 and 2024, respectively. |
| (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 26% for the twelve months ended December 31, 2025 and 2024, presented to approximate interest income as a taxable asset. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED** | **PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED** | **PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED** | **PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED** | **PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED** | **PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED** |
| *(Dollars in thousands)* |  |  |  |  |  |
|  | **December 31,** | **September 30,** | **June 30,** | **March 31,** | **December 31,** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| **Loans and leases held for investment** |  |  |  |  |  |
| Commercial: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial & industrial: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Specialized lending | $7090087 | $7083620 | $6454661 | $6070093 | $5842420 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other commercial & industrial | 1033704 | 1056173 | 1037684 | 1062933 | 1062631 |
| &nbsp;&nbsp;Mortgage finance | 1700380 | 1577038 | 1625764 | 1477896 | 1440847 |
| &nbsp;&nbsp;&nbsp;Multifamily | 2490336 | 2356590 | 2247282 | 2322123 | 2252246 |
| &nbsp;&nbsp;&nbsp;Commercial real estate owner occupied | 1135119 | 1058741 | 1065006 | 1139126 | 1100944 |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | 1738821 | 1582332 | 1497385 | 1438906 | 1359130 |
| &nbsp;&nbsp;&nbsp;Construction | 162966 | 123290 | 98626 | 154647 | 147209 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases | 15351413 | 14837784 | 14026408 | 13665724 | 13205427 |
| Consumer: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 497567 | 514544 | 520570 | 496772 | 496559 |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 27452 | 28749 | 30287 | 31775 | 33123 |
| &nbsp;&nbsp;&nbsp;Installment: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Personal | 581340 | 570768 | 457728 | 493276 | 463854 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other | 298642 | 320405 | 344444 | 372892 | 249799 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total installment loans | 879982 | 891173 | 802172 | 866168 | 713653 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total consumer loans | 1405001 | 1434466 | 1353029 | 1394715 | 1243335 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases held for investment** | $16756414 | $16272250 | $15379437 | $15060439 | $14448762 |
| **Loans held for sale** |  |  |  |  |  |
| Commercial: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | $— | $4700 | $— | $— | $— |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases |  | 4700 |  |  |  |
| Consumer: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 1851 | 2229 | 5180 | 1465 | 1836 |
| &nbsp;&nbsp;&nbsp;Installment: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Personal | 23357 | 23728 | 27682 | 36000 | 40903 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other | 894 | 240 | 101 | 64 | 162055 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total installment loans | 24251 | 23968 | 27783 | 36064 | 202958 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total consumer loans | 26102 | 26197 | 32963 | 37529 | 204794 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans held for sale** | $26102 | $30897 | $32963 | $37529 | $204794 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases portfolio** | $16782516 | $16303147 | $15412400 | $15097968 | $14653556 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **PERIOD END DEPOSIT COMPOSITION - UNAUDITED** | **PERIOD END DEPOSIT COMPOSITION - UNAUDITED** | **PERIOD END DEPOSIT COMPOSITION - UNAUDITED** | **PERIOD END DEPOSIT COMPOSITION - UNAUDITED** | **PERIOD END DEPOSIT COMPOSITION - UNAUDITED** | **PERIOD END DEPOSIT COMPOSITION - UNAUDITED** |
| *(Dollars in thousands)* |  |  |  |  |  |
|  | **December 31,** | **September 30,** | **June 30,** | **March 31,** | **December 31,** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| Demand, non-interest bearing | $6303748 | $6380879 | $5481065 | $5552605 | $5608288 |
| Demand, interest bearing | 5049151 | 5050437 | 4912839 | 5137961 | 5553698 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total demand deposits | 11352899 | 11431316 | 10393904 | 10690566 | 11161986 |
| Savings | 1731010 | 1554533 | 1375072 | 1327854 | 1131819 |
| Money market | 4398827 | 4339371 | 4206516 | 4057458 | 3844451 |
| Time deposits | 3295968 | 3079803 | 3000526 | 2857047 | 2708205 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total deposits** | $20778704 | $20405023 | $18976018 | $18932925 | $18846461 |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** | **ASSET QUALITY - UNAUDITED** |
| *(Dollars in thousands)* |  |  |  |  |  |  |  |  |  |
|  | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** | **As of September 30, 2025** | **As of September 30, 2025** | **As of September 30, 2025** | **As of December 31, 2024** | **As of December 31, 2024** | **As of December 31, 2024** |
| **<u>Loan type</u>** | **Total loans** | **Allowance for credit losses** | **Total reserves to total loans** | **Total loans** | **Allowance for credit losses** | **Total reserves to total loans** | **Total loans** | **Allowance for credit losses** | **Total reserves to total loans** |
| Commercial: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Commercial & industrial, including specialized lending | $8211174 | $37683 | 0.46% | $8229853 | $34395 | 0.42% | $7024770 | $29379 | 0.42% |
| &nbsp;&nbsp;&nbsp;Multifamily | 2490336 | 19333 | 0.78% | 2356590 | 19973 | 0.85% | 2252246 | 18511 | 0.82% |
| &nbsp;&nbsp;&nbsp;Commercial real estate owner occupied | 1135119 | 10431 | 0.92% | 1058741 | 10991 | 1.04% | 1100944 | 10755 | 0.98% |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | 1738821 | 18928 | 1.09% | 1582332 | 19784 | 1.25% | 1359130 | 17405 | 1.28% |
| &nbsp;&nbsp;&nbsp;Construction | 162966 | 2225 | 1.37% | 123290 | 1978 | 1.60% | 147209 | 1250 | 0.85% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total commercial loans and leases receivable** | 13738416 | 88600 | 0.64% | 13350806 | 87121 | 0.65% | 11884299 | 77300 | 0.65% |
| Consumer: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 497567 | 6499 | 1.31% | 514544 | 6345 | 1.23% | 496559 | 5968 | 1.20% |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 27452 | 3391 | 12.35% | 28749 | 3508 | 12.20% | 33123 | 3829 | 11.56% |
| &nbsp;&nbsp;&nbsp;Installment | 777905 | 57166 | 7.35% | 779537 | 54835 | 7.03% | 713653 | 49678 | 6.96% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total consumer loans receivable** | 1302924 | 67056 | 5.15% | 1322830 | 64688 | 4.89% | 1243335 | 59475 | 4.78% |
| **Loans and leases receivable held for investment** | 15041340 | 155656 | 1.03% | 14673636 | 151809 | 1.03% | 13127634 | 136775 | 1.04% |
| Loans receivable, mortgage finance, at fair value | 1612997 |  | —% | 1486978 |  | —% | 1321128 |  | —% |
| Loans receivable, installment, at fair value | 102077 |  | —% | 111636 |  | —% |  |  | —% |
| Loans held for sale | 26102 |  | —% | 30897 |  | —% | 204794 |  | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases portfolio** | $16782516 | $155656 | 0.93% | $16303147 | $151809 | 0.93% | $14653556 | $136775 | 0.93% |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** | **ASSET QUALITY - UNAUDITED (CONTINUED)** |
| *(Dollars in thousands)* |  |  |  |  |  |  |  |  |  |
|  | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** | **As of September 30, 2025** | **As of September 30, 2025** | **As of September 30, 2025** | **As of December 31, 2024** | **As of December 31, 2024** | **As of December 31, 2024** |
| **<u>Loan type</u>** | **Non accrual /NPLs** | **Total NPLs to total loans** | **Total reserves to total NPLs** | **Non accrual /NPLs** | **Total NPLs to total loans** | **Total reserves to total NPLs** | **Non accrual /NPLs** | **Total NPLs to total loans** | **Total reserves to total NPLs** |
| Commercial: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Commercial & industrial, including specialized lending | $19790 | 0.24% | 190.41% | $4430 | 0.05% | 776.41% | $4041 | 0.06% | 727.02% |
| &nbsp;&nbsp;&nbsp;Multifamily | 2092 | 0.08% | 924.14% |  | —% | —% | 11834 | 0.53% | 156.42% |
| &nbsp;&nbsp;&nbsp;Commercial real estate owner occupied | 3876 | 0.34% | 269.12% | 3932 | 0.37% | 279.53% | 8090 | 0.73% | 132.94% |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | 168 | 0.01% | 11266.67% |  | —% | —% | 354 | 0.03% | 4916.67% |
| &nbsp;&nbsp;&nbsp;Construction |  | —% | —% |  | —% | —% |  | —% | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total commercial loans and leases receivable** | 25926 | 0.19% | 341.74% | 8362 | 0.06% | 1041.87% | 24319 | 0.20% | 317.86% |
| Consumer: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 9671 | 1.94% | 67.20% | 7631 | 1.48% | 83.15% | 8714 | 1.75% | 68.49% |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 1192 | 4.34% | 284.48% | 1315 | 4.57% | 266.77% | 1852 | 5.59% | 206.75% |
| &nbsp;&nbsp;&nbsp;Installment | 4483 | 0.58% | 1275.17% | 4225 | 0.54% | 1297.87% | 5613 | 0.79% | 885.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total consumer loans receivable** | 15346 | 1.18% | 436.96% | 13171 | 1.00% | 491.14% | 16179 | 1.30% | 367.61% |
| **Loans and leases receivable** | 41272 | 0.27% | 377.15% | 21533 | 0.15% | 705.01% | 40498 | 0.31% | 337.73% |
| Loans receivable, mortgage finance, at fair value |  | —% | —% |  | —% | —% |  | —% | —% |
| Loans receivable, installment, at fair value | 2137 | 2.09% | —% | 1872 | 1.68% | —% |  | —% | —% |
| Loans held for sale | 279 | 1.07% | —% | 5016 | 16.23% | —% | 2777 | 1.36% | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases portfolio** | $43688 | 0.26% | 356.29% | $28421 | 0.17% | 534.14% | $43275 | 0.30% | 316.06% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** | **NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED** |
| *(Dollars in thousands)* |  |  |  |  |  |  |  |
|  | **Q4** | **Q3** | **Q2** | **Q1** | **Q4** | **Twelve Months Ended December 31,** | **Twelve Months Ended December 31,** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** | **2025** | **2024** |
| **<u>Loan type</u>** |  |  |  |  |  |  |  |
| Commercial & industrial, including specialized lending | $1620 | $2180 | $3871 | $3231 | $3653 | $10902 | $18046 |
| Multifamily | 4612 |  |  | 3834 |  | 8446 | 4073 |
| Commercial real estate owner occupied | (40) | 335 | 411 | 16 | 339 | 722 | 365 |
| Commercial real estate non-owner occupied | (225) | 3073 |  |  | 145 | 2848 | 145 |
| Construction |  |  | (3) | (3) |  | (6) | (10) |
| Residential | 16 | 25 | (4) |  | (18) | 37 | (41) |
| Installment | 7766 | 9758 | 8840 | 10066 | 10493 | 36430 | 45757 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total net charge-offs (recoveries) from loans held for investment** | $13749 | $15371 | $13115 | $17144 | $14612 | $59379 | $68335 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** | **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **LOANS AND LEASES RISK RATINGS - UNAUDITED** | **LOANS AND LEASES RISK RATINGS - UNAUDITED** | **LOANS AND LEASES RISK RATINGS - UNAUDITED** | **LOANS AND LEASES RISK RATINGS - UNAUDITED** | **LOANS AND LEASES RISK RATINGS - UNAUDITED** | **LOANS AND LEASES RISK RATINGS - UNAUDITED** |
| *(Dollars in thousands)* |  |  |  |  |  |
|  | **December 31,** | **September 30,** | **June 30,** | **March 31,** | **December 31,** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| **Loans and leases** <sup>(1)</sup> **risk ratings:** |  |  |  |  |  |
| Commercial loans and leases |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Pass | $13316507 | $12927467 | $12047656 | $11815403 | $11403930 |
| &nbsp;&nbsp;Special Mention  | 216462 | 187794 | 174587 | 189155 | 175055 |
| &nbsp;&nbsp;Substandard  | 200779 | 230079 | 256849 | 276018 | 282563 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases | 13733748 | 13345340 | 12479092 | 12280576 | 11861548 |
| Consumer loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Performing | 1287408 | 1308987 | 1209377 | 1242753 | 1227359 |
| &nbsp;&nbsp;&nbsp;Non-performing | 15516 | 13843 | 20298 | 13803 | 15976 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total consumer loans | 1302924 | 1322830 | 1229675 | 1256556 | 1243335 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans and leases receivable <sup>(1)</sup> | $15036672 | $14668170 | $13708767 | $13537132 | $13104883 |

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(1)&nbsp;&nbsp;&nbsp;&nbsp;Risk ratings are assigned to loans and leases held for investment, and excludes loans held for sale, loans receivable, mortgage finance, at fair value, loans receivable, installment, at fair value and eligible PPP loans that are fully guaranteed by the Small Business Administration.

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|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **RECONCILIATION OF GAAP TO NON-GAAP MEASURES - UNAUDITED** |

---

We believe that the non-GAAP measurements disclosed within this document are useful for investors, regulators, management and others to evaluate our core results of operations and financial condition relative to other financial institutions. These non-GAAP financial measures are frequently used by securities analysts, investors, and other interested parties in the evaluation of companies in our industry. These non-GAAP financial measures exclude from corresponding GAAP measures the impact of certain elements that we do not believe are representative of our ongoing financial results, which we believe enhance an overall understanding of our performance and increases comparability of our period to period results. Investors should consider our performance and financial condition as reported under GAAP and all other relevant information when assessing our performance or financial condition. The non-GAAP measures presented are not necessarily comparable to non-GAAP measures that may be presented by other financial institutions. Although non-GAAP financial measures are frequently used in the evaluation of a company, they have limitations as analytical tools and should not be considered in isolation or as a substitute for analysis of our results of operations or financial condition as reported under GAAP. Starting in Q3 2025, certain adjustments to GAAP measures were no longer included as our intention going forward is to limit these adjustments to those items of greatest significance.

The following tables present reconciliations of GAAP to non-GAAP measures disclosed within this document.

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| <br>***Core Earnings - Customers Bancorp*** | | | | | | | | | | | **Twelve Months Ended**<br>**December 31,** | **Twelve Months Ended**<br>**December 31,** | **Twelve Months Ended**<br>**December 31,** | **Twelve Months Ended**<br>**December 31,** |
| <br>***Core Earnings - Customers Bancorp*** | **Q4 2025** | **Q4 2025** | **Q3 2025** | **Q3 2025** | **Q2 2025** | **Q2 2025** | **Q1 2025** | **Q1 2025** | **Q4 2024** | **Q4 2024** | **2025** | **2025** | **2024** | **2024** |
| *(Dollars in thousands, except per share data)* | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** |
| GAAP net income to common shareholders | $70088 | $1.98 | $73726 | $2.20 | $55846 | $1.73 | $9523 | $0.29 | $23266 | $0.71 | $209183 | $6.26 | $166429 | $5.09 |
| Reconciling items (after tax): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Severance expense |  |  |  |  |  |  |  |  | 1198 | 0.04 |  |  | 3666 | 0.11 |
| Impairment loss on debt securities |  |  |  |  |  |  | 39875 | 1.23 |  |  | 39875 | 1.19 |  |  |
| Legal settlement |  |  |  |  |  |  |  |  | 157 | 0.00 |  |  | 157 | 0.00 |
| (Gains) losses on investment securities | (36) | 0.00 | (253) | (0.01) | 1388 | 0.04 | (124) | 0.00 | 20035 | 0.62 | 975 | 0.03 | 20331 | 0.62 |
| Derivative credit valuation adjustment |  |  |  |  |  |  | 210 | 0.01 | (306) | (0.01) | 210 | 0.01 | 4 | 0.00 |
| FDIC special assessment |  |  |  |  |  |  |  |  |  |  |  |  | 518 | 0.02 |
| Unrealized (gain) on equity method investments |  |  |  |  |  |  |  |  | (292) | (0.01) |  |  | (8608) | (0.26) |
| Loss on redemption of preferred stock | 2799 | 0.08 |  |  | 1908 | 0.06 |  |  |  |  | 4707 | 0.14 |  |  |
| Unrealized (gain) loss on loans held for sale |  |  |  |  | (223) | (0.01) | 518 | 0.02 | 110 | 0.00 | 295 | 0.01 | 608 | 0.02 |
| Loan program termination fees |  |  |  |  | (772) | (0.02) |  |  |  |  | (772) | (0.02) |  |  |
| Core earnings | $72851 | $2.06 | $73473 | $2.20 | $58147 | $1.80 | $50002 | $1.54 | $44168 | $1.36 | $254473 | $7.61 | $183105 | $5.60 |

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| |
|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **RECONCILIATION OF GAAP TO NON-GAAP MEASURES - UNAUDITED (CONTINUED)** |
| *(Dollars in thousands, except per share data)* |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ***Core Return on Average Assets - Customers Bancorp*** | | | | | | **Twelve Months Ended**<br>**December 31,** | **Twelve Months Ended**<br>**December 31,** |
| *(Dollars in thousands, except per share data)* | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** | **Q4 2024** | **2025** | **2024** |
| GAAP net income | $74492 | $75745 | $60939 | $12912 | $26915 | $224088 | $181469 |
| Reconciling items (after tax): |  |  |  |  |  |  |  |
| Severance expense |  |  |  |  | 1198 |  | 3666 |
| Impairment loss on debt securities |  |  |  | 39875 |  | 39875 |  |
| Legal settlement |  |  |  |  | 157 |  | 157 |
| (Gains) losses on investment securities | (36) | (253) | 1388 | (124) | 20035 | 975 | 20331 |
| Derivative credit valuation adjustment |  |  |  | 210 | (306) | 210 | 4 |
| FDIC special assessment |  |  |  |  |  |  | 518 |
| Unrealized (gain) on equity method investments |  |  |  |  | (292) |  | (8608) |
| Unrealized (gain) loss on loans held for sale |  |  | (223) | 518 | 110 | 295 | 608 |
| Loan program termination fees |  |  | (772) |  |  | (772) |  |
| Core net income | $74456 | $75492 | $61332 | $53391 | $47817 | $264671 | $198145 |
| Average total assets | $24721373 | $23930723 | $22362989 | $22314963 | $22179970 | $23340744 | $21434190 |
| Core return on average assets | 1.19% | 1.25% | 1.10% | 0.97% | 0.86% | 1.13% | 0.92% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ***Core Return on Average Common Equity - Customers Bancorp*** | | | | | | **Twelve Months Ended**<br>**December 31,** | **Twelve Months Ended**<br>**December 31,** |
| *(Dollars in thousands, except per share data)* | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** | **Q4 2024** | **2025** | **2024** |
| GAAP net income to common shareholders | $70088 | $73726 | $55846 | $9523 | $23266 | $209183 | $166429 |
| Reconciling items (after tax): |  |  |  |  |  |  |  |
| Severance expense |  |  |  |  | 1198 |  | 3666 |
| Impairment loss on debt securities |  |  |  | 39875 |  | 39875 |  |
| Legal settlement |  |  |  |  | 157 |  | 157 |
| (Gains) losses on investment securities | (36) | (253) | 1388 | (124) | 20035 | 975 | 20331 |
| Derivative credit valuation adjustment |  |  |  | 210 | (306) | 210 | 4 |
| FDIC special assessment |  |  |  |  |  |  | 518 |
| Unrealized (gain) on equity method investments |  |  |  |  | (292) |  | (8608) |
| Loss on redemption of preferred stock | 2799 |  | 1908 |  |  | 4707 |  |
| Unrealized (gain) loss on loans held for sale |  |  | (223) | 518 | 110 | 295 | 608 |
| Loan program termination fees |  |  | (772) |  |  | (772) |  |
| Core earnings | $72851 | $73473 | $58147 | $50002 | $44168 | $254473 | $183105 |
| Average total common shareholders' equity  | $2093510 | $1878115 | $1751037 | $1730910 | $1683838 | $1864426 | $1606764 |
| Core return on average common equity | 13.81% | 15.52% | 13.32% | 11.72% | 10.44% | 13.65% | 11.40% |

---

------

---

| |
|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **RECONCILIATION OF GAAP TO NON-GAAP MEASURES - UNAUDITED (CONTINUED)** |
| *(Dollars in thousands, except per share data)* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ***Core Efficiency Ratio - Customers Bancorp*** | | | | | | **Twelve Months Ended**<br>**December 31,** | **Twelve Months Ended**<br>**December 31,** |
| *(Dollars in thousands, except per share data)* | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** | **Q4 2024** | **2025** | **2024** |
| GAAP net interest income | $204428 | $201912 | $176703 | $167446 | $167821 | $750489 | $654404 |
| GAAP non-interest income (loss) | $32516 | $30191 | $29606 | $(24490) | $(391) | $67823 | $60434 |
| (Gains) losses on investment securities | (47) | (334) | 1797 | (160) | 26678 | 1256 | 27103 |
| Derivative credit valuation adjustment |  |  |  | 270 | (407) | 270 | (17) |
| Unrealized (gain) on equity method investments |  |  |  |  | (389) |  | (11430) |
| Unrealized (gain) loss on loans held for sale |  |  | (289) | 667 | 147 | 378 | 754 |
| Impairment loss on debt securities |  |  |  | 51319 |  | 51319 |  |
| Loan program termination fees |  |  | (1000) |  |  | (1000) |  |
| Core non-interest income | 32469 | 29857 | 30114 | 27606 | 25638 | 120046 | 76844 |
| Core revenue | $236897 | $231769 | $206817 | $195052 | $193459 | $870535 | $731248 |
| GAAP non-interest expense | $117309 | $105217 | $106626 | $102771 | $110375 | $431923 | $417014 |
| Severance expense |  |  |  |  | (1595) |  | (4814) |
| FDIC special assessment |  |  |  |  |  |  | (683) |
| Legal settlement |  |  |  |  | (209) |  | (209) |
| Core non-interest expense | $117309 | $105217 | $106626 | $102771 | $108571 | $431923 | $411308 |
| Core efficiency ratio <sup>(1)</sup> | 49.52% | 45.40% | 51.56% | 52.69% | 56.12% | 49.62% | 56.25% |

---

(1) Core efficiency ratio calculated as core non-interest expense divided by core revenue.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Tangible Common Equity to Tangible Assets - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except per share data)* | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** | **Q4 2024** |
| GAAP total shareholders' equity | $2115517 | $2126059 | $1863558 | $1864560 | $1836683 |
| Reconciling items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Preferred stock |  | (82201) | (82201) | (137794) | (137794) |
| &nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangibles | (3629) | (3629) | (3629) | (3629) | (3629) |
| Tangible common equity | $2111888 | $2040229 | $1777728 | $1723137 | $1695260 |
| GAAP total assets | $24895868 | $24260163 | $22550800 | $22423044 | $22308241 |
| Reconciling items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Goodwill and other intangibles | (3629) | (3629) | (3629) | (3629) | (3629) |
| Tangible assets | $24892239 | $24256534 | $22547171 | $22419415 | $22304612 |
| Tangible common equity to tangible assets | 8.5% | 8.4% | 7.9% | 7.7% | 7.6% |

---

------

---

| |
|:---|
| **CUSTOMERS BANCORP, INC. AND SUBSIDIARIES** |
| **RECONCILIATION OF GAAP TO NON-GAAP MEASURES - UNAUDITED (CONTINUED)** |
| *(Dollars in thousands, except per share data)* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Tangible Book Value per Common Share - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except share and per share data)* | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** | **Q4 2024** |
| GAAP total shareholders' equity | $2115517 | $2126059 | $1863558 | $1864560 | $1836683 |
| Reconciling Items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Preferred stock |  | (82201) | (82201) | (137794) | (137794) |
| &nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangibles | (3629) | (3629) | (3629) | (3629) | (3629) |
| Tangible common equity | $2111888 | $2040229 | $1777728 | $1723137 | $1695260 |
| Common shares outstanding | 34191223 | 34163506 | 31606934 | 31479132 | 31346507 |
| Tangible book value per common share | $61.77 | $59.72 | $56.24 | $54.74 | $54.08 |

---

## Exhibit 99.2

![](q425investorpresentation001.jpg)

1 Q4'25 and FY'25 1 January 2026 Investor Presentation

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![](q425investorpresentation002.jpg)

2© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED In addition to historical information, this presentation may contain "forward-looking statements" within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with respect to Customers Bancorp, Inc.'s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed by, or that include the words "may," "could," "should," "pro forma," "looking forward," "would," "believe," "expect," "anticipate," "estimate," "intend," "plan," "project," or similar expressions generally indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole or in part, are beyond Customers Bancorp, Inc.'s control). Numerous competitive, economic, regulatory, legal and technological events and factors, among others, could cause Customers Bancorp, Inc.'s financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in such forward-looking statements, including: a continuation of the recent turmoil in the banking industry, responsive measures taken by us and regulatory authorities to mitigate and manage related risks, regulatory actions taken that address related issues and the costs and obligations associated therewith, such as the FDIC special assessments; the potential for negative consequences resulting from regulatory violations, investigations and examinations, including potential supervisory actions, the assessment of fines and penalties, the imposition of sanctions, the need to undertake remedial actions and possible damage to our reputation; effects of competition on deposit rates and growth, loan rates and growth and net interest margin; failure to identify and adequately and promptly address cybersecurity risks, including data breaches and cyberattacks; public health crises and pandemics and their effects on the economic and business environments in which we operate; geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and military conflicts, including the war between Russia and Ukraine and ongoing conflict in the Middle East or South America, which could impact economic conditions in the United States; the impact that changes in the economy have on the performance of our loan and lease portfolio, the market value of our investment securities, the demand for our products and services and the availability of sources of funding; the effects of actions by the federal government, including the Board of Governors of the Federal Reserve System and other government agencies, that affect market interest rates and the money supply; actions that we and our customers take in response to these developments and the effects such actions have on our operations, products, services and customer relationships; higher inflation and its impacts; the effects of changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs on its trading partners; and the effects of any changes in accounting standards or policies. Customers Bancorp, Inc. cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are based on management's current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers Bancorp, Inc.'s filings with the Securities and Exchange Commission, including its most recent annual report on Form 10-K for the year ended December 31, 2024, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any amendments thereto, that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. Customers Bancorp, Inc. does not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by Customers Bancorp, Inc. or by or on behalf of Customers Bank, except as may be required under applicable law. Forward-Looking Statements

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![](q425investorpresentation003.jpg)

3© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Customers Bancorp Franchise Commercially oriented bank with industry-leading service combining a high touch, single point of contact model with innovative technology solutions Net Promoter Score Measuring business customer satisfaction and loyalty 81 Customers Bank2 41 Banking Industry Benchmark3 NYSE: CUBI \| FTE Employees ~870 \| Total Assets $24.9B Data as of 12/31/2025 Customers Bancorp, Inc. 1. Non-GAAP measure, refer to appendix for reconciliation 2. As of December 2025 3. The Qualtrics U.S. Banking Relational Net Promoter® Score (NPS®) benchmark is derived from Qualtrics' vast Customer Experience dataset. The dataset includes 2022-2023 anonymized results from 50+ U.S. banking organizations, covering 80+ separate relationship surveys, and encompassing 400,000 individual survey respondents Key Balance Sheet Stats Delivering another year of exceptional growth across the entire Bank Total Assets Total Gross Loans Total Deposits TBVPS1 Year-end ($) 24.9B 16.8B 20.8B 61.77 YoY Growth (%) 12 15 10 14 Named a Top 10 Performing Bank by American Banker for five consecutive years (2021-2025), including the #1 spot in 2024 among midsize banks ($10B to $50B in assets)

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![](q425investorpresentation004.jpg)

4© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Customers Bank has been one of the strongest organic growth banks in the industry over the medium term Total Loans $ billions Total Deposits $ billions Deposit-led growth in balance sheet Disciplined and diversified loan growth Simultaneous execution of deposit growth and transformation Total Assets $ billions Loans to Deposits 2019 2024 2025 $10.1 $14.7 $16.8 9%1 2019 2024 2025 $11.5 $22.3 $24.9 14%1 2019 2024 2025 $8.6 $18.8 $20.8 16%1 117% 81% 1. CAGR from FY2019 to FY2025

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![](q425investorpresentation005.jpg)

5© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED …And has been an industry leading compounder of Core EPS1 and TBVPS1… Core EPS1 $ billions $2.28 $5.60 $7.61 2019 2024 2025 +36% 22%3 2019 2024 2025 $358 $715 $818 +14% 15%3 Revenue2 $ millions $26.17 $54.08 $61.77 2019 2024 2025 +14% 15%3 TBVPS1 $1. Non-GAAP measure, refer to appendix for reconciliation 2. Revenue is calculated as the sum of net interest income and noninterest income 3. CAGR from FY2019 to FY2025 4. U.S. Banks with total assets between $20 billion and $100 billion. Source S&P Cap IQ 5. Represents 6 year (2019-2025) CAGR for banks with available data as of January 22, 2026. Otherwise, represents 5.75 year CAGR with LTM Revenue, LTM EPS, and TBVPS as of Q3'25 6. Peer banks that completed M&A transactions amounting to >80% the size of the acquiring institution between 2019 and 2025 have been omitted from the peer set #1 Core EPS Compounder4,5 Top 5 Revenue Compounder4,5,6 #2 TBVPS Compounder4,5

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6© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED …And significantly improved its profitability by executing on its core strategy Margin expansion from execution on both sides of the balance sheet 1. Non-GAAP measure, refer to appendix for reconciliation 2. CET1 is estimated pending final regulatory report Core ROA1 percent 2019 2024 2025 2.75% 3.15% 3.32% +57 bps NIM percent Core ROE1 percent 2019 2024 2025 0.81% 0.92% 1.13% +32 bps 2019 2024 2025 9.2% 11.4% 13.7% +445 bps Core ROA1 increase while making substantial investments for the future Nearly a 50% increase in Core ROE1 while increasing CET12 by approximately 500 bps

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![](q425investorpresentation007.jpg)

7 Outpace Industry Growth: Deliver top-tier, high-quality organic loan and deposit growth1 2 3 Expand the cubiX Ecosystem: Broaden existing network and monetize platform across multiple industries 4 Continue Team Onboarding: Recruit high-performing executives and deposit-rich teams to broaden our top-tier commercial banking franchise 5 2026 Priorities Operationalize AI at Scale: Deploy AI to radically elevate client experience and drive step-function improvements in productivity and workflow Preserve Balance Sheet Strength: Maintain strong capital levels and credit performance to support sustainable growth

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8© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Digital Assets Customers Bank is at the forefront of the payments industry We believe payments functionality is the future of banking and are extending our payments footprint Instant Payments Platform by the Numbers 1. Includes Internal Transfer Activity and Wire Transfers from cubiX/CBIT client base $2T+ 2025 network activity1 representing over 400% increase in 2 years Average NIBD balance in Q4'25 Expand Industry Adoption Real Estate Mortgage Finance $3.9B Deepen relationships with existing client base through additional products and services Platform operates continuously in real time 24/7/ 365 Future State Instant Payments Platform RTP FedNow Wires ACH cubiX Advance and Accelerate Modernize and Maintain 2026 Priorities Expand universe of clients utilizing advanced payments capabilities Offer embedded payments solutions that enable scalable and efficient revenue growth opportunities

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![](q425investorpresentation009.jpg)

9© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Strengthening Our Competitive Advantages with AI ✓ AI-powered call center scoring unlocked 85% greater efficiency and full visibility into customer interactions ✓ AI-powered loan account opening reduced workflow by 68% ✓ AI-powered sanctions screening improved accuracy by 50% And scalability by embedding AI, positioning Customers Bank for growth and elevated customer experience With AI across operations, risk, compliance to further increase speed, accuracy, and efficiencies By embedding AI across our digital channels to deliver more personalized service Created AI Innovation Lab AI IMPACT PRIORITIES 100% of Employees AI Trained Standardized AI Risk Framework AI ENABLEMENT & EXECUTION ENHANCE THE CUSTOMER EXPERIENCE RE-ENGINEER CORE PROCESSES UNLOCK DEEPER BUSINESS INSIGHTS AI Adoption and Productivity Gains 14% 21% 29% 45% 55% 13% 13% 19% 19% 19% Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Est. Productivity Gains1 Company Adoption2 1. Productivity gains reflect weighted-average, self-reported productivity estimates from periodic surveys of employees using AI tools 2. Represents proportion of total Bank workforce with access to enterprise-level generative AI tools Use Case Examples

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![](q425investorpresentation010.jpg)

10© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Q4'25 and FY'25 Key Accomplishments 1. Includes commercial banking teams hired since Q2'23 2. Non-GAAP measure, refer to appendix for reconciliation 3. 2025 proxy peers most recent quarter ("MRQ"); MRQ represents Q4'25 for proxy peer banks that have reported earnings data before January 22, 2026. Otherwise represents Q3'25 data 4. Q4'2019 to Q4'2025 5. CET1 is estimated pending final regulatory report 3% loan growth QoQ and 15% YoY Diversified across the franchise with multiple verticals contributing to growth Approximately $400 million net growth in deposits QoQ Approximately $600 million of deposit growth QoQ from new banking teams1 Approximately $150 million of non-interest bearing deposit growth QoQ outside of cubiX Solid Loan GrowthAccretive Deposit Performance 5% linked quarter annualized NII growth even with 40 basis point decline in average EFFR NII increased $37 million compared to Q4'24 NIM expansion of 29 bps compared to Q4'24 Net Interest Income (NII) & Net Interest Margin (NIM) Completed new issuance of subordinated debt to boost total capital CET1 ratio at 13.0%5 TCE/TA2 increased over 90 bps YoY to 8.5% Tangible book value approached $62 per share2 YoY growth of 14% 15%+ CAGR over the last six years4 Strong Capital & LiquidityTangible Book Value Growth Core Efficiency Ratio2 declined 6.6 p.p. YoY driven by significant positive operating leverage Core non-interest expense as percent of average assets2 of 1.88% is among the lowest of regional bank peers3 Positive Operating Leverage

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![](q425investorpresentation011.jpg)

11© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Q4'25 (vs. Q3'25) Profitability Balance Sheet Credit 3.40% vs. 3.46% NIM $24.9B +3% Total Assets 0.16% +0 bps Commercial NCOs Ratio1 $16.8B +3% Total Loans and Leases 0.26% +9 bps NPLs to Total Loans Financial Highlights - GAAP Highlights Q4'25 EARNINGS REVIEW Total Deposits $20.8B +2% Reserves to NPLs 356% vs. 534% $6.26 $209.2M 11.2% $1.98 DILUTED EPS $70.0M NET INCOME ROCE 13.3% ROAA 1.20% vs. 1.26% FY'25 1. Q4'25 annualized NCOs as percentage of total loans and leases for Q4'25 was 0.33%, down 6 bps compared to Q3'25 Q4'25 (vs. Q3'25)

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![](q425investorpresentation012.jpg)

12© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Q4'25 (vs. Q3'25) Profitability Balance Sheet Credit 3.40% vs. 3.46% NIM $24.9B +3% Total Assets 0.16% +0 bps Commercial NCOs Ratio1 $16.8B +3% Total Loans and Leases 0.26% +9 bps NPLs to Total Loans Financial Highlights - Core Highlights Q4'25 EARNINGS REVIEW Total Deposits $20.8B +2% Reserves to NPLs 356% vs. 534% $7.61 $254.5M 13.7% $2.06 $72.9M 13.8% 1.19% vs. 1.25% FY'25 Q4'25 (vs. Q3'25) 1. Q4'25 excludes loss on redemption of preferred stock of $2.8 million and pre-tax losses on investment securities of $47.0 thousand 2. Non-GAAP measure, refer to appendix for reconciliation 3. Q4'25 annualized NCOs as percentage of total loans and leases for Q4'25 was 0.33%, down 6 bps compared to Q3'25 CORE EPS1,2 CORE EARNINGS1,2 CORE ROCE1,2 Core ROAA1,2

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![](q425investorpresentation013.jpg)

13© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Total Deposit Cost vs Peers2 1. Spot cost of deposits as of 12/31/2025 2. U.S. Banks with total assets between $10 billion and $100 billion. Source S&P Cap IQ: Q4'25 includes only banks that have reported earnings data before January 22, 2026 Non-Interest Bearing DDA Interest Bearing DDA Non-DDA Total Deposits Average cost of deposits 2.77% $5.6 $5.6 $7.7 Q4'24 $5.6 $5.1 $8.2 Q1'25 $5.5 $4.9 $8.6 Q2'25 $6.4 $5.0 $9.0 Q3'25 $6.3 (30%) $5.1 $9.4 Q4'25 $18.8 $18.9 $19.0 $20.4 $20.8 • New banking teams hired since Q2'23 continued deposit gathering momentum with approximately $600 million of growth in the quarter • Teams hired since Q2'23 manage $3.3 billion as of Q4'25 • Non-interest bearing balances excluding cubiX increased over $500 million 2.54% Steady Deposit Growth and Mix Improvement Nearly $21 billion in deposits with over 30% non-interest bearing balances ACCRETIVE DEPOSIT PERFORMANCE 2.45% Spot1 219 63 50 100 150 200 250 Basis Points Q4'22 Q4'23 Q4'24 Q4'25 CUBI vs Regional Bank Peers2 • Customers Bank's average total cost of deposits has steadily converged to peer median levels over the last 3 years, from a spread of over 200 bps to under 65 bps • Highlights the Bank's success in its deposit-focused team lift-out and deposit remixing strategy

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![](q425investorpresentation014.jpg)

14© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Kk s Cumulative New Banking Team Recruitment Successful Execution of Deposit Franchise Transformation led by New Banking Teams1 and cubiX Deposits 66% NIB 1.07% Total Cost ACCRETIVE DEPOSIT PERFORMANCE $1.7 $2.8 $3.3 $3.6 Q4'24 $4.0 Q3'25 $3.8 Q4'25 $5.3 $6.8 $7.1 +16% New Banking Teams1 cubiX Clients Deposit Transformation at Q4'25 Ending deposit balances $ billions 1. Includes commercial banking teams hired since Q2'23 2. Approximation 30 30 130 160 100 30 2022 2023 Recruitment 2023 2024 Recruitment 2024 2025 Recruitment 2025 New Banking Teams FTEs2 Dynamic Pipeline Referral to Customers Bank Single Point of Contact Entrepreneurial Culture Comp. Model Driven by Client Success Client- Driven Tech Solutions Recruiter of Top Talent Initial Discussions Advanced Discussions Negotiations Onboarding New Banking Teams Deposits ~2x YoY 18 new teams manage over $3.3 billion in deposits across over 8,000 commercial accounts $585M; of which 40% NIBD

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![](q425investorpresentation015.jpg)

15© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Strong Loan Growth With Diversified Contributions Across The Franchise Q4'25 Loan Growth by Verticals $ millions • Loan growth of approximately $500 million or 3% QoQ • Top growth verticals included CRE, Healthcare, Mortgage Finance, and Commercial Banking Teams • Diversified loan growth focused on adding franchise value ROBUST LOAN GROWTH 1. US Banks with $10-$100 billion in assets most recent quarter ("MRQ"); MRQ represents 1 year growth rate as of Q4'25 for those banks that have reported earnings data before January 22, 2026. Otherwise represents 1 year growth rate as of Q3'25. Source S&P Cap IQ 2. Includes Investment CRE, Construction, and Multifamily 3. Includes Regional Community Banking C&I, Real Estate Specialty Finance, Mortgages, SBA, Financial Institution Group, PPP FY 2025 Loan Growth by Verticals $ billions • Annual loan growth of $2.1 billion or 15%, compared to 5% for the inudstry1 • Top growth verticals included CRE, Healthcare, Commercial Banking Teams, Mortgage Finance, Fund Finance, and Venture Banking CRE2 Healthcare Commercial Banking Teams Mortgage Finance Fund Finance Venture Banking Equipment Finance Consumer Installment Other3 Total Loan Growth $0.6 $0.4 $0.4 $0.3 $0.2 $0.2 $0.1 -$0.0 -$0.1 $2.1 CRE2 Healthcare Mortgage Finance Commercial Banking Teams Equipment Finance Venture Banking Other3 Consumer Installment Fund Finance Total Loan Growth $326 $219 $123 $73 $42 $20 -$8 -$12 -$306 $479

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![](q425investorpresentation016.jpg)

16© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Continued Net Interest Income Growth in the Quarter Net Interest Income & Net Interest Margin $ millions, percent 3.11% 3.13% 3.27% 3.46% 3.40% Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 $167.8 $167.4 $176.7 $201.9 $204.4 +22% NET INTEREST INCOME & NET INTEREST MARGIN • Net interest income increased for the third consecutive quarter, representing a 22% YoY increase • Highlights ability to grow net interest income in falling rate environment • 29 basis points margin expansion YoY driven by higher average loan balances and reduced funding costs • Cumulative total deposit beta of 61% Key Highlights Net Interest Income NIM

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![](q425investorpresentation017.jpg)

17© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Peer Leading Efficiency While Investing In Our Business $108.6 $102.8 $106.6 $105.2 $117.3 56.1% Q4'24 52.7% Q1'25 51.6% Q2'25 45.4% Q3'25 49.5% Q4'25 Core Non-Interest Expense1 $ millions • Strong core efficiency ratio while continuing to invest in the franchise • Second consecutive quarter with core efficiency ratio1 below 50% • Q4'25 includes $7.0 million in expenses either tied directly to non-interest income, tax savings, or unique to the quarter Non-Interest Expense / Average Assets percent • CUBI's non-interest expense as percent of average assets1 is the among the lowest regional bank peers2 1.88% CUBI CUBI (Q4'25) Regional Bank Peers (MRQ) 1. Non-GAAP measure, refer to appendix for reconciliation 2. 2025 proxy peers most recent quarter ("MRQ"); MRQ represents Q4'25 for proxy peer banks that have reported earnings data before January 22, 2026. Otherwise represents Q3'25 data Top Quartile (2.05%) Median (2.20%) OPERATIONAL EFFICIENCY AND STRATEGIC INVESTMENTS Noninterest Expense Core Efficiency Ratio1 $4.8 million of expenses unique to the quarter $110.3 million net of unique and tied to revenue expenses $2.2 million of higher commercial lease expense tied to revenue

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![](q425investorpresentation018.jpg)

18© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED$20 Million • Process automation for AI • Technology platform consolidation • Reduction in professional services expenses • Strategic realignment Revenue Initiatives • Increase treasury management fees from commercial clients • Capital markets and fee-based businesses Total Annual Opportunity Expense Initiatives OPERATIONAL EFFICIENCY AND STRATEGIC INVESTMENTS 2026 Operational Excellence Initiative Target of $20 Million Annually Savings Used to Invest in the Franchise

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![](q425investorpresentation019.jpg)

19© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Tangible Book Value1 per share Tangible Book Value Approached $62 Per Share 1. Non-GAAP measure, refer to appendix for reconciliation 2. CAGR from Q4'19 to Q4'25 inclusive of impact of AOCI mark-to-market; Q4'19 and Q4'25 AOCI impact of $(0.04) and $(1.58) per share, respectively 3. 2025 proxy peers most recent quarter ("MRQ"); MRQ represents Q4'25 for proxy peer banks that have reported earnings data before January 22, 2026. Otherwise represents Q3'25 data $26.17 $27.92 $37.21 $38.97 $47.61 $54.08 $61.77 2019 2020 2021 2022 2023 2024 2025 +15% TANGIBLE BOOK VALUE GROWTH • TBVPS1 increased 3% QoQ and over 14% YoY • Tangible book value1 per share increased ~2.4x since Q4'192 • 15+%2 CAGR in TBVPS1 since Q4'192 compared to 5% for regional bank peers3 Key Highlights

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20© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED ` ` 14.9% 14.6% 14.5% 15.4% 15.4% Total Risk-Based Capital percent 7.6% 7.7% 7.9% 8.4% 8.5% TCE/TA2 percent 1. Capital ratios are estimated pending final regulatory report 2. Non-GAAP measure, refer to appendix for reconciliation Strong Capital Levels Provide Significant Flexibility 12.1% 11.7% 12.1% 13.0% 13.0% CET1 Risk-Based Capital percent STRONG CAPITAL AND LIQUIDITY • Successful subordinated debt raise completed in Q4'25 • Strong capital ratios provide flexibility • TCE/TA3 Ratio up 90 basis points YoY with 12% increase in tangible assets Q4'24 Q1'25 Q2'25 Key Highlights Q3'25 Q4'251

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21© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Commercial NCOs percent NPAs % of Total Assets percent Credit Metrics Remain Stable Consumer NCOs percent Total NCOs percent MAINTAINING SUPERIOR CREDIT QUALITY 1. 2025 proxy peers most recent quarter ("MRQ"); MRQ represents Q4'25 for proxy peer banks that have reported earnings data before January 22, 2026. Otherwise represents Q3'25 data V • Reserves to NPLs strong at 356% • NPAs to total assets remain low at 29 bps and below regional bank peer median1 of 35 bps • Total NCOs declined 10% QoQ Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 0.13% 0.22% 0.13% 0.16% 0.16% 2.67% 2.78% 2.50% 2.60% 2.08% 0.41% 0.48% 0.35% 0.39% 0.33% 0.25% 0.26% 0.27% 0.25% 0.29%0.36% 0.37% 0.32% 0.34% 0.35% CUBI Regional Bank Peers1 5% 6% 7% 8% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90% 1.00% NPA Ratio Loan Yield CUBI Peer Median: 0.35% Peer Median: 6.08% CUBI Regional Bank Peers1

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22© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED 2026 Management Outlook Metrics Deposit Growth Loan Growth Net Interest Income Tax Rate CET1 (%) FY 2025 $20.8B $16.8B $750M 22.3% 13.0%1 Notes 8 – 12% 23 – 25% Non-interest expense $432M Current Outlook FY 2026 8 – 12% $800M – $830M 7 – 11% growth $440M – $460M 2 - 6% growth, highlighting positive operating leverage 11.5 – 12.5% Diversified across multiple verticals Continued execution of team recruitment strategy and net of remix 1. CET1 is estimated pending final regulatory report

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23 Analyst Coverage D.A. Davidson Companies Peter Winter Hovde Group David Bishop Keefe, Bruyette & Woods Inc. Kelly Motta Maxim Group LLC Michael Diana Stephens Inc. Matt Breese Raymond James Steve Moss B. Riley Securities, Inc. Hal Goetsch TD Cowen Janet Lee Morgan Stanley Brian Wilczynski New Analyst

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24 Appendix

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25© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED 17% 42% 35% 6% FICO Score1 660-679 680-699 700-749 750+ 19% 32%26% 14% 7% 2% 0% 0-9.99% 10 – 19.99% 20 – 29.99% 30 – 39.99% 40 – 49.99% > 50% Unknown Geography Profession Debt to Income Ratio1 Borrower Income 13% 40% 47% <$50K $50K -$100K >$100K 18% 10% 18%27% 26% West Southwest Midwest Southeast Northeast Consumer Installment Loans – Portfolio Credit Metrics Purpose 66% 16% 14% 4% Personal Loan Specialty Home Improvement Student Loan 98% 1% 1% Non COVID-19 Impacted Segments Non-Professional Retail & Restaurants Average FICO Score1 ~736 Average DTI1 ~21% Average Borrower Income ~$118k Weighted average life of ~2.2 years Note: Data as of December 31, 2025; includes consumer installment HFS loans 1. DTI and FICO scores as of time of origination

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26© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Investment Securities – AFS percent, Q4'25 Securities Portfolio Characteristics • Spot yield: 5.54% • Effective duration: 2.4 years • Floating rate securities: ~29% • Credit rating: 69% AAA with only 3% at BB Investment Securities – HTM percent, Q4'25 • Spot yield: 3.31% • Effective duration: 3.9 years • Floating rate securities: 29% • Credit rating: 62% AAA with no rated securities non- investment grade • ABS: $0.3 billion of credit enhanced asset backed securities 65% 35% MBS & CMO Credit Enhanced ABS Total: $0.7 billion Corporate ABS Other MBS & CMO Total: $1.9 billion 15% 12% 71% 2%

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27© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED hh Q4'24 Q3'25 Q4'25 $3.1 $3.9 $3.9 +24% Meaningful Deposit Growth Year-over-Year $ billions Average Deposit Balance • Network activity increased 5x over 2- year period • Average cubiX balances increased 24% year-over-year and remained stable in Q4'25 • Increase in deposit balances almost exclusively driven by increased activity on cubiX platform from existing institutional clients FY 2023 FY 2024 FY 2025 $0.4 $1.5 $2.0 5x cubiX volume1 2025 FY cubiX network activity1 surpassed 2024 FY and 2023 FY activity combined $ trillions 1. Daily cubiX volume available beginning 10/16/24. The network was previously referred to as CBIT before cubiX launch in Q4'24. Includes Internal Transfer Activity and Wire Transfers from cubiX/CBIT Client Base Nov 2024: US presidential election July 2025: GENIUS Act signed into law cubiX Platform Update ACCRETIVE DEPOSIT PERFORMANCE Rolling 30 day average ending deposit balances

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28© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED 1. Excludes mortgage finance and installment reported at fair value, loans held for sale 2. Utilized Moody's December 2025 baseline and adverse forecast scenario with qualitative adjustments for Q4'25 provision for credit losses 3. Utilized Moody's September 2025 baseline and adverse forecast scenario with qualitative adjustments for Q3'25 provision for credit losses Allowance for Credit Losses for Loans and Leases December 31, 2025 September 30, 2025 Amortized Cost1 Allowance for Credit Losses Lifetime Loss Rate2 Amortized Cost1 Allowance for Credit Losses Lifetime Loss Rate3 ($ in thousands) Loans and Leases Receivable: Commercial: Commercial and Industrial, including Specialized Lending $8,211,174 $37,683 0.46 % $8,229,853 $34,395 0.42 % Multifamily 2,490,336 19,333 0.78 % 2,356,590 19,973 0.85 % Commercial Real Estate Owner Occupied 1,135,119 10,431 0.92 % 1,058,741 10,991 1.04 % Commercial Real Estate Non-Owner Occupied 1,738,821 18,928 1.09 % 1,582,332 19,784 1.25 % Construction 162,966 2,225 1.37 % 123,290 1,978 1.60 % Total Commercial Loans and Leases Receivable $13,738,416 $88,600 0.64 % $13,350,806 $87,121 0.65 % Consumer: Residential Real Estate $497,567 $6,499 1.31 % $514,544 $6,345 1.23 % Manufacturing Housing 27,452 3,391 12.35 % 28,749 3,508 12.20 % Installment 777,905 57,166 7.35 % 779,537 54,835 7.03 % Total Consumer Loans Receivable $1,302,924 $67,056 5.15 % $1,322,830 $64,688 4.89 % Total Loans and Leases Receivable $15,041,340 $155,656 1.03 % $14,673,636 $151,809 1.03 %

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29© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Customers believes that the non-GAAP measurements disclosed within this document are useful for investors, regulators, management and others to evaluate our core results of operations and financial condition relative to other financial institutions. These non-GAAP financial measures are frequently used by securities analysts, investors, and other interested parties in the evaluation of companies in Customers' industry. These non-GAAP financial measures exclude from corresponding GAAP measures the impact of certain elements that we do not believe are representative of our ongoing financial results, which we believe enhance an overall understanding of our performance and increases comparability of our period to period results. Investors should consider our performance and financial condition as reported under GAAP and all other relevant information when assessing our performance or financial condition. The non-GAAP measures presented are not necessarily comparable to non-GAAP measures that may be presented by other financial institutions. Although non-GAAP financial measures are frequently used in the evaluation of a company, they have limitations as analytical tools and should not be considered in isolation or as a substitute for analysis of our results of operations or financial condition as reported under GAAP. Starting in Q3 2025, certain adjustments to GAAP measures were no longer included as our intention going forward is to limit these adjustments to those items of greatest significance. The following tables present reconciliations of GAAP to non-GAAP measures disclosed within this document. Reconciliation of Non-GAAP Measures - Unaudited

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30© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Earnings - Customers Bancorp Twelve Months Ended December 31, Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 2025 2024 (dollars in thousands, except per share data) USD Per share USD Per share USD Per share USD Per share USD Per share USD Per share USD Per share GAAP net income to common shareholders $70,088 $1.98 $73,726 $2.20 $55,846 $1.73 $9,523 $0.29 $23,266 $0.71 $209,183 $6.26 $166,429 $5.09 Reconciling items (after tax): Severance expense — — — — — — — — 1,198 0.04 — — 3,666 0.11 Impairment loss on debt securities — — — — — — 39,875 1.23 — — 39,875 1.19 — — Legal settlement — — — — — — — — 157 0.00 — — 157 0.00 (Gains) losses on investment securities (36) 0.00 (253) (0.01) 1,388 0.04 (124) (0.00) 20,035 0.62 975 0.03 20,331 0.62 Derivative credit valuation adjustment — — — — — — 210 0.01 (306) (0.01) 210 0.01 4 0.00 FDIC special assessment — — — — — — — — — — — — 518 0.02 Unrealized (gain) on equity method investments — — — — — — — — (292) (0.01) — — (8,608) (0.26) Loss on redemption of preferred stock 2,799 0.08 — — 1,908 0.06 — — — — 4,707 0.14 — — Unrealized (gain) loss on loans held for sale — — — — (223) (0.01) 518 0.02 110 0.00 295 0.01 608 0.02 Loan program termination fees — — — — (772) (0.02) — — — — (772) (0.02) — — Core earnings $72,851 $2.06 $73,473 $2.20 $58,147 $1.80 $50,002 $1.54 $44,168 $1.36 $254,473 $7.61 $183,105 $5.60

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31© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Earnings - Customers Bancorp 2025 2024 2023 2022 2021 2020 2019 (dollars in thousands, except per share data) USD Per share USD Per share USD Per share USD Per share USD Per share USD Per share USD Per share GAAP net income to common shareholders $209,183 $6.26 $166,429 $5.09 $235,448 $7.32 $218,402 $6.51 $300,134 8.91 $118,537 $3.74 $64,868 $2.05 Reconciling items (after tax): (Income) loss from discontinued operations — — — — — — — — 39,621 1.18 10,461 0.33 — — Severance expense — — 3,666 0.11 1,251 0.04 1,058 0.03 1,517 0.05 — — 373 0.01 Impairment loss on debt securities 39,875 1.19 Impairments on fixed assets and leases — — — — 98 0.00 1,051 0.03 1,118 0.03 — — — — Merger and acquisition related expenses — — — — — — — — 320 0.01 1,038 0.03 76 0.00 Loss on sale of consumer installment loans — — — — — — 18,221 0.54 — — — — — — Loss on sale of capital call lines of credit — — — — 3,914 0.12 — — — — — — — — (Gains) losses on investment securities 975 0.03 20,331 0.62 407 0.01 18,926 0.56 (26,015) (0.77) (17,412) (0.55) (1,912) (0.06) Loss on sale of foreign subsidiaries — — — — — — — — 2,150 0.06 — — — — Loss on cash flow hedge derivative terminations — — — — — — — — 18,716 0.56 — — — — Derivative credit valuation adjustment 210 0.01 4 0.00 219 0.01 (1,243) (0.04) (1,285) (0.04) 5,811 0.18 811 0.03 Risk participation agreement mark-to-market adjustment — — — — — — — — — — (1,080) (0.03) — — Legal settlement — — 157 0.00 — — — — 897 0.03 258 0.01 1,520 0.05 Unrealized (gain) loss on loans held for sale 295 0.01 608 0.02 — — — — — — 1,913 0.06 — — Deposit relationship adjustment fees — — — — — — — — 4,707 0.14 — — — — Loss on redemption of preferred stock 4,707 0.14 — — — — — — 2,820 0.08 — — — — Tax on surrender of bank-owned life insurance policies — — — — 4,141 0.13 — — — — — — — — FDIC special assessment — — 518 0.02 2,755 0.09 — — — — — — — — Unrealized (gain) on equity method investments — — (8,608) (0.26) — — — — — — — — — — Loss upon acquisition of interest-only GNMA securities — — — — — — — — — — — — 5,682 0.18 Losses on sale of non-QM residential mortgage loans — — — — — — — — — — — — 595 0.02 Loan program termination fees (772) (0.02) Core earnings $254,473 $7.61 $183,105 $5.60 $248,233 $7.72 $256,415 $7.63 $344,700 10.23 119,526 3.77 72,013 2.28

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32© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Return on Average Assets - Customers Bancorp Twelve Months Ended December 31, (dollars in thousands except per share data) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 2025 2024 GAAP net income $74,492 $75,745 $60,939 $12,912 $26,915 $224,088 $181,469 Reconciling items (after tax): Severance expense — — — — 1,198 — 3,666 Impairment loss on debt securities — — — 39,875 — 39,875 — Legal settlement — — — — 157 — 157 (Gains) losses on investment securities (36) (253) 1,388 (124) 20,035 975 20,331 Derivative credit valuation adjustment — — — 210 (306) 210 4 FDIC special assessment — — — — — — 518 Unrealized (gain) on equity method investments — — — — (292) — (8,608) Unrealized (gain) loss on loans held for sale — — (223) 518 110 295 608 Loan program termination fees — — (772) — — (772) — Core net income $74,456 $75,492 $61,332 $53,391 $47,817 $264,671 $198,145 Average total assets $24,721,373 $23,930,723 $22,362,989 $22,314,963 $22,179,970 $23,340,744 $21,434,190 Core return on average assets 1.19 % 1.25 % 1.10 % 0.97 % 0.86 % 1.13 % 0.92 %

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33© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Return on Average Assets - Customers Bancorp (dollars in thousands except per share data) 2025 2024 2023 2022 2021 2020 2019 GAAP net income $224,088 $181,469 $250,143 $228,034 $314,647 $132,578 $79,327 Reconciling items (after tax): (Income) loss from discontinued operations — — — — 39,621 10,461 — Severance expense — 3,666 1,251 1,058 1,517 — 373 Impairment loss on debt securities 39,875 — — — — — — Impairments on fixed assets and leases — — 98 1,051 1,118 — — Merger and acquisition related expenses — — — — 320 1,038 76 Loss on sale of consumer installment loans — — — 18,221 — — — Loss on sale of capital call lines of credit — — 3,914 — — — — Legal settlement — 157 — — 897 258 1,520 (Gains) losses on investment securities 975 20,331 407 18,926 (26,015) (17,412) (1,912) Loss on sale of foreign subsidiaries — — — — 2,150 — — Losses on cash flow hedge derivative terminations — — — — 18,716 — — Derivative credit valuation adjustment 210 4 219 (1,243) (1,285) 5,811 811 Risk participation agreement mark-to-market adjustment — — — — — (1,080) — Deposit relationship adjustment fees — — — — 4,707 — — Unrealized (gain) loss on loans held for sale 295 608 — — — 1,913 — Tax on surrender of bank-owned life insurance policies — — 4,141 — — — — FDIC special assessment — 518 2,755 — — — — Unrealized (gain) on equity method investments — (8,608) — — — — — Loss upon acquisition of interest-only GNMA securities — — — — — — 595 Losses on sale of non-QM residential mortgage loans — — — — — — 5,682 Loan program termination fees (772) — — — — — — Core net income $264,671 $198,145 262,928 266,047 356,393 133,567 86,472 Average total assets $23,340,744 $21,434,190 $21,486,383 $20,109,744 $19,199,936 $15,604,801 $10,667,670 Core return on average assets 1.13 % 0.92 % 1.22 % 1.32 % 1.86 % 0.86 % 0.81 %

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34© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Return on Average Common Equity - Customers Bancorp Twelve Months Ended December 31, (dollars in thousands except per share data) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 2025 2024 GAAP net income to common shareholders $70,088 $73,726 $55,846 $9,523 $23,266 $209,183 $166,429 Reconciling items (after tax): Severance expense — — — — 1,198 — 3,666 Impairment loss on debt securities — — — 39,875 — 39,875 — Legal settlement — — — — 157 — 157 (Gains) losses on investment securities (36) (253) 1,388 (124) 20,035 975 20,331 Derivative credit valuation adjustment — — — 210 (306) 210 4 FDIC special assessment — — — — — — 518 Unrealized (gain) on equity method investments — — — — (292) — (8,608) Loss on redemption of preferred stock 2,799 — 1,908 — — 4,707 — Unrealized (gain) loss on loans held for sale — — (223) 518 110 295 608 Loan program termination fees — — (772) — — (772) — Core earnings $72,851 $73,473 $58,147 $50,002 $44,168 $254,473 $183,105 Average total common shareholders' equity $2,093,510 $1,878,115 $1,751,037 $1,730,910 $1,683,838 $1,864,426 $1,606,764 Core return on average common equity 13.81 % 15.52 % 13.32 % 11.72 % 10.44 % 13.65 % 11.40 %

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35© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Return on Average Common Equity - Customers Bancorp (dollars in thousands except per share data) 2025 2024 2023 2022 2021 2020 2019 GAAP net income to common shareholders $209,183 $166,429 $235,448 $218,402 $300,134 $118,537 $64,868 Reconciling items (after tax): (Income) loss from discontinued operations — — — — 39,621 10,461 — Severance expense — 3,666 1,251 1,058 1,517 — 373 Impairment loss on equity securities — — — — — — — Impairment loss on debt securities 39,875 — — — — — — Impairments on fixed assets and leases — — 98 1,051 1,118 — — Merger and acquisition related expenses — — — — 320 1,038 76 Loss on sale of consumer installment loans — — — 18,221 — — — Loss on sale of capital call lines of credit — — 3,914 — — — — Legal settlement — 157 — — 897 258 1,520 (Gains) losses on investment securities 975 20,331 407 18,926 (26,015) (17,412) (1,912) Loss on sale of foreign subsidiaries — — — — 2,150 — — Losses on cash flow hedge terminations — — — — 18,716 — — Derivative credit valuation adjustment 210 4 219 (1,243) (1,285) 5,811 811 Risk participation agreement mark-to-market adjustment — — — — — (1,080) — Deposit relationship adjustment fees — — — — 4,707 — — Loss on redemption of preferred stock 4,707 — — — 2,820 — — Unrealized losses on loans held for sale 295 608 — — — 1,913 — Tax on surrender of bank-owned life insurance policies — — 4,141 — — — — FDIC special assessment — 518 2,755 — — — — Unrealized (gain) on equity method investments — (8,608) — — — — — Loss upon acquisition of interest-only GNMA securities — — — — — — 5,682 Losses on sale of non-QM residential mortgage loans — — — — — — 595 Loan program termination fees (772) — — — — — — Core earnings $254,473 $183,105 $248,233 $256,415 $344,700 $119,526 $72,013 Average total common shareholders' equity $1,864,426 $1,606,764 $1,358,564 1,254,979 1,043,906 814,769 781,860 Core return on average common equity 13.65 % 11.40 % 18.27 % 20.43 % 33.02 % 14.67 % 9.21 %

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36© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) 1. Core efficiency ratio calculated as non-interest expense divided by core revenue Core Efficiency Ratio - Customers Bancorp Twelve Months Ended December 31, (dollars in thousands except per share data) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 2025 2024 GAAP net interest income $204,428 $201,912 $176,703 $167,446 $167,821 $750,489 $654,404 GAAP non-interest income (loss) $32,516 $30,191 $29,606 $(24,490) $(391) $67,823 $60,434 (Gains) losses on investment securities (47) (334) 1,797 (160) 26,678 1,256 27,103 Derivative credit valuation adjustment — — — 270 (407) 270 (17) Unrealized (gain) on equity method investments — — — — (389) — (11,430) Unrealized (gain) loss on loans held for sale — — (289) 667 147 378 754 Impairment loss on debt securities — — — 51,319 — 51,319 — Loan program termination fees — — (1,000) — — (1,000) — Core non-interest income 32,469 29,857 30,114 27,606 25,638 120,046 76,844 Core revenue $236,897 $231,769 $206,817 $195,052 $193,459 $870,535 $731,248 GAAP non-interest expense $117,309 $105,217 $106,626 $102,771 $110,375 $431,923 $417,014 Severance expense — — — — (1,595) — (4,814) FDIC special assessment — — — — — — (683) Legal settlement — — — — (209) — (209) Core non-interest expense $117,309 $105,217 $106,626 $102,771 $108,571 $431,923 $411,308 Core efficiency ratio (1) 49.52 % 45.40 % 51.56 % 52.69 % 56.12 % 49.62 % 56.25 %

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37© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Non-Interest Expense to Average Total Assets - Customers Bancorp Twelve Months Ended December 31, (dollars in thousands except per share data) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 2025 2024 GAAP non-interest expense $117,309 $105,217 $106,626 $102,771 $110,375 $431,923 $417,014 Severance expense — — — — (1,595) — (4,814) FDIC special assessment — — — — — — (683) Legal settlement — — — — (209) — (209) Core non-interest expense $117,309 $105,217 $106,626 $102,771 $108,571 $431,923 $411,308 Average total assets $24,721,373 $23,930,723 $22,362,989 $22,314,963 $22,179,970 $23,340,744 $21,434,190 Core Non-interest Expense to average assets 1.88 % 1.74 % 1.91 % 1.87 % 1.95 % 1.85 % 1.92 %

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38© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Tangible Common Equity to Tangible Assets - Customers Bancorp (dollars in thousands except per share data) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 GAAP total shareholders' equity $2,115,517 $2,126,059 $1,863,558 $1,864,560 $1,836,683 Reconciling items: Preferred stock — (82,201) (82,201) (137,794) (137,794) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $2,111,888 $2,040,229 $1,777,728 $1,723,137 $1,695,260 GAAP Total assets $24,895,868 $24,260,163 $22,550,800 $22,423,044 $22,308,241 Reconciling items: Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible assets $24,892,239 $24,256,534 $22,547,171 $22,419,415 $22,304,612 Tangible common equity to tangible assets 8.5 % 8.4 % 7.9 % 7.7 % 7.6 %

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39© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Tangible Book Value per Common Share - Customers Bancorp (dollars in thousands except per share data) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 GAAP total shareholders' equity $2,115,517 $2,126,059 $1,863,558 $1,864,560 $1,836,683 Reconciling Items: Preferred stock — (82,201) (82,201) (137,794) (137,794) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $2,111,888 $2,040,229 $1,777,728 $1,723,137 $1,695,260 Common shares outstanding 34,191,223 34,163,506 31,606,934 31,479,132 31,346,507 Tangible book value per common share $61.77 $59.72 $56.24 $54.74 $54.08

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40© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Tangible Book Value per Common Share - Customers Bancorp (dollars in thousands except per share data) Q4 2025 Q4 2024 Q4 2023 Q4 2022 Q4 2021 Q4 2020 Q4 2019 GAAP total shareholders' equity $2,115,517 $1,836,683 $1,638,394 $1,402,961 $1,366,217 $1,117,086 $1,052,795 Reconciling Items: Preferred stock — (137,794) (137,794) (137,794) (137,794) (217,471) (217,471) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,736) (14,298) (15,195) Tangible common equity $2,111,888 $1,695,260 $1,496,971 $1,261,538 $1,224,687 $885,317 $820,129 Common shares outstanding 34,191,223 31,346,507 31,440,906 32,373,697 32,913,267 31,705,088 31,336,791 Tangible book value per common share $61.77 $54.08 $47.61 $38.97 $37.21 $27.92 $26.17

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