# EDGAR Filing Document

**Accession Number:** 0001488813
**File Stem:** 0001488813-26-000062
**Filing Date:** 2026-4
**Character Count:** 124919
**Document Hash:** 224a7326c3de95570960f6a444db06ee
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001488813-26-000062.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001488813-26-000062

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 51

**CONFORMED PERIOD OF REPORT**: 20260423

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

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**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:** 26889197

**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-20260423

**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): April 23, 2026**

![Capture.jpg](cubi-20260423_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:**

---

| | | |
|:---|:---|:---|
| **<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 April 23, 2026, Customers Bancorp, Inc. (the "Company") issued a press release announcing unaudited financial information for the quarter ended March 31, 2026, 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](q126pressrelease.htm)</u> | Press Release dated April 23, 2026 |
| <u>[Exhibit 99.2](q126investorpresentation.htm)</u> | Slide presentation dated April 2026 |

---

------

**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: April 23, 2026

------

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| <u>[99.1](q126pressrelease.htm)</u> | Press Release dated April 23, 2026 |
| <u>[99.2](q126investorpresentation.htm)</u> | Slide presentation dated April 2026 |

---

## Exhibit 99.1

**Exhibit 99.1**

![customersbancorp_logoxprima.jpg](customersbancorp_logoxprima.jpg)

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

701 Reading Avenue

West Reading, PA 19611

**Contacts:**<br> Laura Vele, Chief Marketing Officer 646-315-2017

**Customers Bancorp Reports Results for First Quarter 2026**

**First Quarter 2026 Highlights**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Q1 2026 net income available to common shareholders was $69.7 million, or $1.97 per diluted share; ROAA was 1.13% and ROCE was 13.16%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Q1 2026 core earnings\*<sup>1</sup> were $69.4 million, or $1.97 per diluted share; Core ROAA\* was 1.13% and Core ROCE\* was 13.12%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits increased $813.9 million, or 3.9% in Q1 2026 from Q4 2025, and $2.7 billion, or 14.0% from Q1 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total loans increased $609.0 million, or 3.6%, in Q1 2026 from Q4 2025, and $2.3 billion, or 15.2% from Q1 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-interest bearing deposits increased $436.0 million in Q1 2026 compared to Q4 2025 to a period end record level of $6.7 billion, or 31.2% of total deposits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Q1 2026 efficiency ratio was 49.68% compared to Q1 2025 efficiency ratio of 52.94%, a decline of 326 basis points and Q1 2026 core efficiency ratio\* was 49.68% compared to Q1 2025 core efficiency ratio\* of 52.69%, a decline of 301 basis points.

---

| |
|:---|
| \*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. |
| <sup>1</sup> Excludes pre-tax gains on investment securities of $0.3 million. |

---

------

**CEO Commentary**

**West Reading, Pa, April 23, 2026** - "On January 1, 2026, I had the honor of succeeding Jay Sidhu as Chief Executive Officer of Customers Bancorp. This transition was the culmination of a deliberate, multiyear transition that our Board and leadership team planned carefully to ensure continuity for our clients, our team members and our shareholders," said Customers Bancorp CEO Sam Sidhu.

"I am pleased to share our first quarter 2026 results that show the company's continued execution of its strategic priorities and underscore our success in growing franchise value."

"We got off to a strong start to the year in what is typically a slower quarter, as we continued to strategically grow our loan and deposit portfolios with momentum throughout the organization. Total loans and leases grew by 3.6% in Q1 2026 compared to Q4 2025, with contributions from multiple verticals allowing us to deliver above industry average growth rates without sacrificing on structure or credit quality.

Total deposits increased by 3.9% in Q1 2026 compared to Q4 2025, and we delivered over $230.0 million of non interest bearing deposit growth in Q1 2026 outside of the benefits of our digital asset channel clients. On a net basis, we had an increase of 1,167 commercial accounts, or a 5.0% increase in a single quarter, and the 2025 teams alone added 625 accounts in the quarter.

Our Q1 2026 GAAP earnings were $69.7 million, or $1.97 per diluted share, and core earnings\* were $69.4 million, or $1.97 per diluted share. Asset quality remains strong with our NPA ratio at just 0.29% of total assets and reserve levels are robust at 337% of total non-performing loans at the end of Q1 2026. Our TCE / TA ratio\* increased by 60 basis points from March 31, 2025 to 8.3% at March 31, 2026, while our balance sheet grew by 4.0% and we repurchased 621,668 shares of common stock at a weighted average price of $68.04 in the quarter.

In Q1 2026, we once again delivered exceptionally strong growth across key metrics of revenue, core earnings, and book value per share of 58%, 28%\*, and 16%, respectively, when compared to Q1 2025" Sam 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 $17.4 billion at March 31, 2026, up $615 million, or 3.7%, from December 31, 2025. C&I specialized lending increased by $308 million, or 4.3% quarter-over-quarter to $7.4 billion. Owner-occupied commercial real estate loans increased by $144 million, or 12.7% to $1.3 billion. Mortgage finance loans increased by $131 million, or 7.7% to $1.8 billion. Construction loans increased by $42 million, or 25.8% to $205 million. These increases were partially offset by a decrease in other C&I loans of $30 million, or 2.9% to $1.0 billion.

Loans and leases held for investment of $17.4 billion at March 31, 2026 were up $2.3 billion, or 15.3%, year-over-year. C&I specialized lending increased by $1.3 billion, or 21.9%, year-over-year. Mortgage finance loans increased by $354 million, or 23.9%. Non-owner occupied commercial real estate loans increased by $304 million, or 21.1%. Multifamily loans increased by $189 million, or 8.1%. Owner-occupied commercial real estate loans increased by $140 million, or 12.3%. These increases were partially offset by a decrease in other C&I loans of $59 million, or 5.6%.

**Investment Securities**

At March 31, 2026, total investment securities were $2.7 billion, a decrease of $10 million compared to December 31, 2025 and a decrease of $339 million compared to a year ago.

At March 31, 2026, the Available-For-Sale ("AFS") debt securities portfolio had a spot yield of 5.43%, an effective duration of approximately 2.6 years, and approximately 28% are variable rate. Additionally, approximately 74% of the AFS securities portfolio was AAA rated at March 31, 2026.

At March 31, 2026, the Held-To-Maturity ("HTM") debt securities portfolio represented only 2.6% of total assets, had a spot yield of 3.31% and an effective duration of approximately 3.9 years. Additionally, at March 31, 2026, approximately 63% of the HTM securities were AAA rated and $0.2 billion were credit enhanced asset backed securities with no current expectation of credit losses.

**Deposits**

Total deposits increased $814 million, or 3.9% to $21.6 billion at March 31, 2026 as compared to the prior quarter. The total average cost of deposits decreased by 8 basis points to 2.46% in Q1 2026 from 2.54% in the prior quarter. Total estimated uninsured deposits were $7.4 billion<sup>1</sup>, or 34% of total deposits at March 31, 2026 with immediately available liquidity covering approximately 151% of these deposits.

Total deposits increased $2.7 billion, or 14.0% to $21.6 billion at March 31, 2026 as compared to a year ago. The total average cost of deposits decreased by 36 basis points to 2.46% in Q1 2026 from 2.82% in Q1 2025.

**Borrowings**

Total borrowings increased $197 million, or 11.6% to $1.9 billion at March 31, 2026 as compared to the prior quarter. This increase primarily resulted from net draws of $240 million in FHLB advances and $70 million in federal funds purchased, partially offset by repayment of Customers Bank's $110 million subordinated debt in Q1 2026. Total borrowings increased $487 million, or 34.4%, to $1.9 billion at March 31, 2026 as compared to a year ago primarily due to net draws of $430 million in FHLB advances and $70 million in federal funds purchased.

<sup>1</sup> Uninsured deposits (estimate) of $9.3 billion to be reported on the Bank's call report, less deposits of $1.6 billion collateralized by standby letters of credit from the FHLB and from our affiliates of $284 million.

------

**Capital**

Customers Bancorp's common equity increased $29 million to $2.1 billion, and tangible common equity\* increased $29 million to $2.1 billion, at March 31, 2026 compared to the prior quarter, respectively, primarily from earnings of $70 million, offset in part by $43 million of common share repurchase. Customers Bancorp's common equity increased $418 million to $2.1 billion, and tangible common equity\* increased $418 million to $2.1 billion, at March 31, 2026 compared to a year ago, respectively, primarily from earnings of $281 million, the issuance of $163 million of common stock in September 2025 and a decrease in AOCI of $13 million (net of taxes), mostly from decreased unrealized losses on investment securities, offset in part by $43 million of common share repurchases. Book value per common share increased to $63.64 from $61.87 and $54.85, and tangible book value per common share\* increased to $63.54 from $61.77 and $54.74, at March 31, 2026 from December 31, 2025 and March 31, 2025, respectively.

**Credit Quality**

The provision for credit losses in Q1 2026 was $23 million, compared to $22 million in Q4 2025 and $28 million in Q1 2025.

Net charge-offs were $13 million in Q1 2026, compared to $14 million in Q4 2025 and $17 million Q1 2025.

The allowance for credit losses on loans and leases was $161 million at March 31, 2026, compared to $156 million at December 31, 2025 and $141 million at March 31, 2025.

Non-performing loans at March 31, 2026 increased to 0.27% of total loans and leases, compared to 0.26% at December 31, 2025 and decreased, compared to 0.29% at March 31, 2025. Nonperforming loans include the guaranteed portion of SBA loans. As of March 31, 2026, nonperforming loans totaled $48 million, of which approximately $12 million represents the government-guaranteed portion. Excluding the government-guaranteed portion, nonperforming loans totaled approximately $36 million, representing 0.21% of total loans and leases.

**Key Profitability Trends**

**Net Interest Income**

Net interest income totaled $191.4 million in Q1 2026, a decrease of $13.1 million from Q4 2025. This decrease was driven by a decrease in interest income mainly from C&I loans and interest-earning deposits, partially offset by a decrease in interest expense primarily due to lower market interest rates.

"Net interest income and net interest margin were impacted as expected by the sunsetting of the discount accretion that benefitted Q3 and Q4 2025 as well as a lower day count in the quarter," stated Customers Bancorp CFO Mark McCollom. "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," said Mark McCollom.

Net interest income totaled $191.4 million in Q1 2026, an increase of $23.9 million from Q1 2025. This increase was primarily due to higher interest income primarily due to higher average loan balances and lower interest expense from a favorable shift in deposit mix and lower market interest rates.

**Non-Interest Income**

Reported non-interest income totaled $34.3 million for Q1 2026, an increase of $1.8 million compared to $32.5 million for Q4 2025. The increase was primarily due to increases of $3.1 million in loan fees mainly from gains on certain stock warrants, $1.2 million in commercial lease income, $1.1 million in net gain on sale of loans and leases mainly from the sale of SBA loans and $0.9 million in bank-owned life insurance due to higher death benefits. These increases were partially offset by a decrease of $4.9 million in other non-interest income mainly due to a decrease in gain on sale of leased assets and loss on equity investments.

------

Non-interest income totaled $34.3 million for Q1 2026, an increase of $58.8 million compared to Q1 2025. The increase was primarily due to $51.3 million of impairment loss on certain AFS debt securities that the Bank decided to sell as of March 31, 2025 and increases in commercial lease income of $4.8 million, $3.3 million in loan fees mainly from gains on certain stock warrants and $1.0 million in net gain on sale of loans and leases mainly from the sale of SBA loans, partially offset by a decrease of $1.6 million in bank-owned life insurance income mainly due to lower death benefits received from insurance carriers.

**Non-Interest Expense**

Non-interest expenses totaled $112.0 million in Q1 2026, a decrease of $5.3 million compared to Q4 2025. The decrease was primarily attributable to decreases within other non-interest expense of $2.2 million in insurance expenses related to investments in tax credit structures with a corresponding benefit to income tax expense in Q4 2025, $1.7 million in provision for credit losses on unfunded lending commitments and $0.8 million in FDIC assessments, partially offset by an increase of $1.0 million in commercial lease depreciation associated with the Bank's continued growth.

"In Q4 2025, we had a total of $4.8 million of expense that was unique to the quarter and taking this impact into account, expenses were down modestly quarter over quarter even as we continue to invest in our future. We successfully achieved our initial operational excellence goal of $20 million in annual run rate revenue enhancements and expense savings providing capacity for further investment in the franchise. Importantly we are driving significant positive operating leverage with core revenue\* growth of 16% and core expense\* growth of only 9% in Q1 2026 compared to Q1 2025. This drove an over 300 basis point decline in our core efficiency ratio\* over that same time period," stated Mark McCollom.

Non-interest expenses totaled $112.0 million in Q1 2026, an increase of $9.2 million compared to Q1 2025. The increase was primarily attributable to increases of $8.6 million in salaries and employee benefits and $4.2 million in commercial lease depreciation associated with the Bank's continued growth. These increases were partially offset by a decrease of $3.5 million in FDIC assessments.

**Taxes**

Income tax expense decreased by $2.2 million to a provision of $20.7 million in Q1 2026 from $22.8 million in Q4 2025 primarily due to lower pre-tax income and an increase in discrete tax benefits including benefits associated with stock-based compensation and adjustments related to prior tax positions, and increased by $21.7 million from a benefit to provision of $1.0 million in Q1 2025 primarily due to higher pre-tax income and lower investment tax credits. The effective tax rate was 22.9% for Q1 2026.

**Outlook**

"We were very pleased with the start to 2026 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.

There are four priorities that will command our attention and investment in 2026. First, we are targeting to increase our utilization of AI and automation technologies to transform our organization by providing enhanced client experiences and organizational productivity. Second, we will seek to deepen and broaden our payments capabilities by widening the industries and use cases we serve and by strengthening relationships with existing clients through expanded product offerings. Third, we will look to continue to deliver above industry average loan and deposit portfolio growth and build upon our successful team recruitment strategy. And fourth, we will seek to do this while operating with a high standard of regulatory and risk management excellence and maintaining a strong capital base, liquidity, and credit quality.

We believe we are incredibly well positioned to continue to achieve these goals and deliver excellent client service and strong financial performance in 2026 and beyond," concluded Sam Sidhu.

------

**Webcast**

Date:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Friday, April 24, 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 EDT

The live audio webcast, presentation slides, and earnings press release will be made available at https://www.customersbank.com and at the Customers Bancorp 1st Quarter Earnings Webcast.

You may submit questions in advance of the live webcast by emailing our Chief Marketing Officer, Laura Vele at lvele@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 nearly $26 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

------

threats of terrorism and military conflicts, including the war between Russia and Ukraine and ongoing conflict in the Middle East, 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, 2025, 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.

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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** |
| *(Dollars in thousands, except per share data)* | **Q1** | **Q4** | **Q3** | **Q2** | **Q1** |
| *(Dollars in thousands, except per share data)* | **2026** | **2025** | **2025** | **2025** | **2025** |
| **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** | **GAAP Profitability Metrics:** |
| Net income available to common shareholders | $69653 | $70088 | $73726 | $55846 | $9523 |
| Per share amounts: |  |  |  |  |  |
| Earnings per share - diluted | $1.97 | $1.98 | $2.20 | $1.73 | $0.29 |
| Book value per common share | $63.64 | $61.87 | $59.83 | $56.36 | $54.85 |
| Return on average assets ("ROAA") | 1.13% | 1.20% | 1.26% | 1.09% | 0.23% |
| Return on average common equity ("ROCE") | 13.16% | 13.28% | 15.57% | 12.79% | 2.23% |
| Net interest margin, tax equivalent | 3.22% | 3.40% | 3.46% | 3.27% | 3.13% |
| Efficiency ratio | 49.68% | 49.52% | 45.39% | 51.23% | 52.94% |
| **Non-GAAP Profitability Metrics** <sup>(1)</sup>**:** |  |  |  |  |  |
| Core earnings | $69445 | $72851 | $73473 | $58147 | $50002 |
| Per share amounts: |  |  |  |  |  |
| Core earnings per share - diluted | $1.97 | $2.06 | $2.20 | $1.80 | $1.54 |
| Tangible book value per common share | $63.54 | $61.77 | $59.72 | $56.24 | $54.74 |
| Core ROAA | 1.13% | 1.19% | 1.25% | 1.10% | 0.97% |
| Core ROCE | 13.12% | 13.81% | 15.52% | 13.32% | 11.72% |
| Core efficiency ratio | 49.68% | 49.52% | 45.40% | 51.56% | 52.69% |
| **Balance Sheet Trends:** |  |  |  |  |  |
| Total assets | $25880767 | $24895868 | $24260163 | $22550800 | $22423044 |
| Total cash and investment securities | $7454901 | $7078243 | $6997783 | $6234043 | $6424406 |
| Total loans and leases | $17391546 | $16782516 | $16303147 | $15412400 | $15097968 |
| Non-interest bearing demand deposits | $6739713 | $6303748 | $6380879 | $5481065 | $5552605 |
| Total deposits | $21592645 | $20778704 | $20405023 | $18976018 | $18932925 |
| **Asset Quality:** |  |  |  |  |  |
| Net charge-offs | $13255 | $13749 | $15371 | $13115 | $17144 |
| Annualized net charge-offs to average total loans and leases | 0.32% | 0.33% | 0.39% | 0.35% | 0.48% |
| Nonaccrual / non-performing loans ("NPLs") | $47818 | $43688 | $28421 | $28443 | $43513 |
| NPLs to total loans and leases | 0.27% | 0.26% | 0.17% | 0.18% | 0.29% |
| Reserves to NPLs | 336.61% | 356.29% | 534.14% | 518.29% | 324.22% |
| Non-performing assets ("NPAs") | $74737 | $72344 | $61057 | $60778 | $57960 |
| NPAs to total assets | 0.29% | 0.29% | 0.25% | 0.27% | 0.26% |
| **Capital Metrics:** |  |  |  |  |  |
| Common equity to total assets | 8.3% | 8.5% | 8.4% | 7.9% | 7.7% |
| Tangible common equity to tangible assets <sup>(1)</sup> | 8.3% | 8.5% | 8.4% | 7.9% | 7.7% |
| Common equity Tier 1 capital ratio <sup>(2)</sup> | 12.8% | 12.99% | 13.00% | 12.05% | 11.72% |
| Total risk based capital ratio <sup>(2)</sup> | 14.8% | 15.39% | 15.35% | 14.49% | 14.61% |
| **Customers Bank Capital Ratios** <sup>(2)</sup>**:** |  |  |  |  |  |
| Common equity Tier 1 capital to risk-weighted assets | 13.7% | 13.25% | 13.22% | 13.00% | 12.40% |
| Total capital to risk-weighted assets | 14.7% | 14.62% | 14.60% | 14.43% | 13.92% |
| Tier 1 capital to average assets (leverage ratio) | 9.4% | 8.90% | 8.84% | 8.86% | 8.43% |
| **Share amounts:** |  |  |  |  |  |
| Average shares outstanding - basic | 34080834 | 34170777 | 32340813 | 31585390 | 31447623 |
| Average shares outstanding - diluted | 35313835 | 35396324 | 33460055 | 32374061 | 32490572 |
| Shares outstanding | 33692632 | 34191223 | 34163506 | 31606934 | 31479132 |
| (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 Q1 2026 and actual for the remaining periods. | (2) Regulatory capital ratios are estimated for Q1 2026 and actual for the remaining periods. | (2) Regulatory capital ratios are estimated for Q1 2026 and actual for the remaining periods. | (2) Regulatory capital ratios are estimated for Q1 2026 and actual for the remaining periods. | (2) Regulatory capital ratios are estimated for Q1 2026 and actual for the remaining periods. | (2) Regulatory capital ratios are estimated for Q1 2026 and actual for the remaining periods. |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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** |
| *(Dollars in thousands, except per share data)* |  |  |  |  |  |
|  | **Q1** | **Q4** | **Q3** | **Q2** | **Q1** |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Interest income: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans and leases | $258734 | $274752 | $272131 | $246869 | $231008 |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 32141 | 31979 | 36091 | 37381 | 34339 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest earning deposits | 41830 | 44862 | 49639 | 39972 | 42914 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans held for sale | 1235 | 1432 | 1589 | 1806 | 4761 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 2372 | 2173 | 2029 | 1973 | 1887 |
| &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 | 336312 | 355198 | 361479 | 328001 | 314909 |
| Interest expense: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | 126126 | 131797 | 141983 | 134045 | 131308 |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 12935 | 14490 | 12945 | 12717 | 11801 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt | 4621 | 3355 | 3251 | 3229 | 3212 |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 13 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Other borrowings | 1266 | 1128 | 1388 | 1307 | 1142 |
| &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 | 144961 | 150770 | 159567 | 151298 | 147463 |
| &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 | 191351 | 204428 | 201912 | 176703 | 167446 |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | 23372 | 22337 | 26543 | 20781 | 28297 |
| &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 | 167979 | 182091 | 175369 | 155922 | 139149 |
| Non-interest income: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial lease income | 15418 | 14186 | 11536 | 11056 | 10668 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan fees | 10506 | 7420 | 11443 | 9106 | 7235 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank-owned life insurance | 3084 | 2189 | 2165 | 2249 | 4660 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage finance transactional fees | 1306 | 1339 | 1298 | 1175 | 933 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net gain (loss) on sale of loans and leases | 1044 | (62) |  |  | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net gain (loss) on sale of investment securities | 355 | (27) | 186 | (1797) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Impairment loss on debt securities |  |  |  |  | (51319) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 2603 | 7471 | 3563 | 7817 | 3331 |
| &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) | 34316 | 32516 | 30191 | 29606 | (24490) |
| Non-interest expense: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits | 51294 | 51744 | 48723 | 45848 | 42674 |
| &nbsp;&nbsp;&nbsp;&nbsp;Technology, communication and bank operations | 11643 | 11388 | 10415 | 10382 | 11312 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial lease depreciation | 12692 | 11668 | 9463 | 8743 | 8463 |
| &nbsp;&nbsp;&nbsp;&nbsp;Professional services | 11695 | 12390 | 12281 | 13850 | 11857 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan servicing | 3859 | 4050 | 4167 | 4053 | 4630 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy | 3956 | 4291 | 4370 | 3551 | 3412 |
| &nbsp;&nbsp;&nbsp;&nbsp;FDIC assessments, non-income taxes and regulatory fees | 8215 | 9023 | 8505 | 11906 | 11750 |
| &nbsp;&nbsp;&nbsp;&nbsp;Advertising and promotion | 554 | 812 | 636 | 461 | 528 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other | 8080 | 11943 | 6657 | 7832 | 8145 |
| &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 | 111988 | 117309 | 105217 | 106626 | 102771 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income before income tax expense (benefit) | 90307 | 97298 | 100343 | 78902 | 11888 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense (benefit) | 20654 | 22806 | 24598 | 17963 | (1024) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net income** | 69653 | 74492 | 75745 | 60939 | 12912 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Preferred stock dividends** |  | 1605 | 2019 | 3185 | 3389 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loss on redemption of preferred stock** |  | 2799 |  | 1908 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net income available to common shareholders** | $69653 | $70088 | $73726 | $55846 | $9523 |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic earnings per common share | $2.04 | $2.05 | $2.28 | $1.77 | $0.30 |
| &nbsp;&nbsp;&nbsp;&nbsp;Diluted earnings per common share | 1.97 | 1.98 | 2.20 | 1.73 | 0.29 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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)* |
|  | **March 31,** | **December 31,** | **September 30,** | **June 30,** | **March 31,** |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| **ASSETS** |  |  |  |  |  |
| Cash and due from banks | $89153 | $62051 | $57951 | $72986 | $62146 |
| Interest earning deposits | 4709051 | 4349412 | 4127688 | 3430525 | 3366544 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 4798204 | 4411463 | 4185639 | 3503511 | 3428690 |
| Investment securities, at fair value | 1993152 | 1937646 | 2010820 | 1877406 | 2057555 |
| Investment securities held to maturity | 663545 | 729134 | 801324 | 853126 | 938161 |
| Loans held for sale | 20282 | 26102 | 30897 | 32963 | 37529 |
| Loans and leases receivable | 15519493 | 15041340 | 14673636 | 13719829 | 13555820 |
| Loans receivable, mortgage finance, at fair value | 1758685 | 1612997 | 1486978 | 1536254 | 1366460 |
| Loans receivable, installment, at fair value | 93086 | 102077 | 111636 | 123354 | 138159 |
| Allowance for credit losses on loans and leases | (160962) | (155656) | (151809) | (147418) | (141076) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans and leases receivable, net of allowance for credit losses on loans and leases | 17210302 | 16600758 | 16120441 | 15232019 | 14919363 |
| FHLB, Federal Reserve Bank, and other restricted stock | 117880 | 110411 | 103290 | 100590 | 96758 |
| Accrued interest receivable | 105002 | 103626 | 106379 | 101481 | 105800 |
| Bank premises and equipment, net | 15749 | 16745 | 15340 | 5978 | 6653 |
| Bank-owned life insurance | 306927 | 305503 | 303212 | 300747 | 298551 |
| Other real estate owned | 12506 | 12432 | 12432 | 12306 |  |
| Goodwill and other intangibles | 3629 | 3629 | 3629 | 3629 | 3629 |
| Other assets | 633589 | 638419 | 566760 | 527044 | 530355 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total assets** | $25880767 | $24895868 | $24260163 | $22550800 | $22423044 |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |  |  |
| Demand, non-interest bearing deposits | $6739713 | $6303748 | $6380879 | $5481065 | $5552605 |
| Interest bearing deposits | 14852932 | 14474956 | 14024144 | 13494953 | 13380320 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 21592645 | 20778704 | 20405023 | 18976018 | 18932925 |
| Federal funds purchased | 70000 |  |  |  |  |
| FHLB advances | 1561655 | 1325068 | 1195437 | 1195377 | 1133456 |
| Other borrowings | 99243 | 99208 | 99173 | 99138 | 99103 |
| Subordinated debt | 171614 | 281147 | 182718 | 182649 | 182579 |
| Accrued interest payable and other liabilities | 241310 | 296224 | 251753 | 234060 | 210421 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities** | 23736467 | 22780351 | 22134104 | 20687242 | 20558484 |
| Preferred stock |  |  | 82201 | 82201 | 137794 |
| Common stock | 36312 | 36189 | 36161 | 36123 | 35995 |
| Additional paid in capital | 669112 | 666756 | 662252 | 572473 | 570172 |
| Retained earnings | 1604847 | 1535194 | 1465106 | 1391380 | 1335534 |
| Accumulated other comprehensive income (loss), net | (54657) | (54050) | (51089) | (71325) | (67641) |
| Treasury stock, at cost | (111314) | (68572) | (68572) | (147294) | (147294) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total shareholders' equity** | 2144300 | 2115517 | 2126059 | 1863558 | 1864560 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities and shareholders' equity** | $25880767 | $24895868 | $24260163 | $22550800 | $22423044 |

---

------

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
|  | **March 31, 2026** | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** | **March 31, 2025** |
|  | **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 | 4492897 | 41830 | 3.78% | 4421242 | 44862 | 4.03% | 3857617 | 42914 | 4.51% |
| Investment securities <sup>(1)</sup> | 2735786 | 32141 | 4.70% | 2849764 | 31979 | 4.45% | 3100429 | 34339 | 4.49% |
| 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> | 7863238 | 132861 | 6.85% | 7775247 | 139552 | 7.12% | 6474034 | 120951 | 7.58% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other commercial & industrial loans <sup>(2)</sup> | 1450962 | 24202 | 6.76% | 1477351 | 32320 | 8.68% | 1542846 | 23933 | 6.29% |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage finance loans | 1513914 | 16250 | 4.35% | 1536265 | 17862 | 4.61% | 1252602 | 14752 | 4.78% |
| &nbsp;&nbsp;&nbsp;&nbsp;Multifamily loans | 2494849 | 28249 | 4.59% | 2445945 | 27990 | 4.54% | 2273893 | 23664 | 4.22% |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied commercial real estate loans | 1907541 | 27711 | 5.89% | 1784838 | 26635 | 5.92% | 1550372 | 21564 | 5.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgages | 524282 | 6240 | 4.77% | 541091 | 6392 | 4.69% | 530613 | 6228 | 4.76% |
| &nbsp;&nbsp;&nbsp;&nbsp;Installment loans | 912090 | 24456 | 10.87% | 945697 | 25433 | 10.67% | 938193 | 24677 | 10.67% |
| Total loans and leases <sup>(3)</sup> | 16666876 | 259969 | 6.32% | 16506434 | 276184 | 6.64% | 14562553 | 235769 | 6.57% |
| Other interest-earning assets | 156894 | 2372 | 6.13% | 153480 | 2173 | 5.62% | 127793 | 1887 | 5.99% |
| **Total interest-earning assets** | 24052453 | 336312 | 5.66% | 23930920 | 355198 | 5.89% | 21648392 | 314909 | 5.89% |
| Non-interest-earning assets | 868524 |  |  | 790453 |  |  | 666571 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total assets** | 24920977 |  |  | 24721373 |  |  | 22314963 |  |  |
| **Liabilities** |  |  |  |  |  |  |  |  |  |
| Interest checking accounts | 4993616 | 40023 | 3.25% | 4889245 | 42168 | 3.42% | 5358206 | 49903 | 3.78% |
| Money market deposit accounts | 4364149 | 36640 | 3.40% | 4421276 | 40387 | 3.62% | 3882855 | 37767 | 3.94% |
| Other savings accounts | 1579730 | 13580 | 3.49% | 1562768 | 14384 | 3.65% | 1151439 | 10691 | 3.77% |
| Certificates of deposit | 3456664 | 35883 | 4.21% | 3152637 | 34858 | 4.39% | 2749720 | 32947 | 4.86% |
| Total interest-bearing deposits <sup>(4)</sup> | 14394159 | 126126 | 3.55% | 14025926 | 131797 | 3.73% | 13142220 | 131308 | 4.05% |
| Federal funds purchased | 1367 | 13 | 3.73% |  |  | —% |  |  | —% |
| Borrowings | 1712498 | 18822 | 4.46% | 1666006 | 18973 | 4.52% | 1346941 | 16155 | 4.86% |
| **Total interest-bearing liabilities** | 16108024 | 144961 | 3.65% | 15691932 | 150770 | 3.81% | 14489161 | 147463 | 4.13% |
| Non-interest-bearing deposits <sup>(4)</sup> | 6393947 |  |  | 6599095 |  |  | 5710644 |  |  |
| Total deposits and borrowings | 22501971 |  | 2.61% | 22291027 |  | 2.68% | 20199805 |  | 2.96% |
| Other non-interest-bearing liabilities | 272488 |  |  | 269824 |  |  | 246455 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities** | 22774459 |  |  | 22560851 |  |  | 20446260 |  |  |
| **Shareholders' equity** | 2146518 |  |  | 2160522 |  |  | 1868703 |  |  |
| **Total liabilities and shareholders' equity** | 24920977 |  |  | 24721373 |  |  | 22314963 |  |  |
| Net interest income |  | 191351 |  |  | 204428 |  |  | 167446 |  |
| Tax-equivalent adjustment |  | 257 |  |  | 348 |  |  | 363 |  |
| Net interest earnings |  | 191608 |  |  | 204776 |  |  | 167809 |  |
| **Interest spread** |  |  | 3.05% |  |  | 3.21% |  |  | 2.93% |
| **Net interest margin** |  |  | 3.22% |  |  | 3.39% |  |  | 3.13% |
| **Net interest margin tax equivalent** <sup>(5)</sup> |  |  | 3.22% |  |  | 3.40% |  |  | 3.13% |
| (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 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. | (4) Total costs of deposits (including interest bearing and non-interest bearing) were 2.46%, 2.54% and 2.82% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. |
| (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. | (5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended March 31, 2026, and 26% for the three months ended December 31, 2025 and March 31, 2025, presented to approximate interest income as a taxable asset. |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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)* |  |  |  |  |  |
|  | **March 31,** | **December 31,** | **September 30,** | **June 30,** | **March 31,** |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| **Loans and leases held for investment** |  |  |  |  |  |
| Commercial: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial & industrial: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Specialized lending | $7398205 | $7090087 | $7083620 | $6454661 | $6070093 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other commercial & industrial | 1003750 | 1033704 | 1056173 | 1037684 | 1062933 |
| &nbsp;&nbsp;Mortgage finance | 1831408 | 1700380 | 1577038 | 1625764 | 1477896 |
| &nbsp;&nbsp;&nbsp;Multifamily | 2510697 | 2490336 | 2356590 | 2247282 | 2322123 |
| &nbsp;&nbsp;&nbsp;Commercial real estate owner occupied | 1279501 | 1135119 | 1058741 | 1065006 | 1139126 |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | 1742989 | 1738821 | 1582332 | 1497385 | 1438906 |
| &nbsp;&nbsp;&nbsp;Construction | 204999 | 162966 | 123290 | 98626 | 154647 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases | 15971549 | 15351413 | 14837784 | 14026408 | 13665724 |
| Consumer: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 495458 | 497567 | 514544 | 520570 | 496772 |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 26065 | 27452 | 28749 | 30287 | 31775 |
| &nbsp;&nbsp;&nbsp;Installment: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Personal | 599302 | 581340 | 570768 | 457728 | 493276 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other | 278890 | 298642 | 320405 | 344444 | 372892 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total installment loans | 878192 | 879982 | 891173 | 802172 | 866168 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total consumer loans | 1399715 | 1405001 | 1434466 | 1353029 | 1394715 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases held for investment** | $17371264 | $16756414 | $16272250 | $15379437 | $15060439 |
| **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 | 1767 | 1851 | 2229 | 5180 | 1465 |
| &nbsp;&nbsp;&nbsp;Installment: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Personal | 17056 | 23357 | 23728 | 27682 | 36000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other | 1459 | 894 | 240 | 101 | 64 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total installment loans | 18515 | 24251 | 23968 | 27783 | 36064 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total consumer loans | 20282 | 26102 | 26197 | 32963 | 37529 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans held for sale** | $20282 | $26102 | $30897 | $32963 | $37529 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases portfolio** | $17391546 | $16782516 | $16303147 | $15412400 | $15097968 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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)* |  |  |  |  |  |
|  | **March 31,** | **December 31,** | **September 30,** | **June 30,** | **March 31,** |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Demand, non-interest bearing | $6739713 | $6303748 | $6380879 | $5481065 | $5552605 |
| Demand, interest bearing | 5085040 | 5049151 | 5050437 | 4912839 | 5137961 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total demand deposits | 11824753 | 11352899 | 11431316 | 10393904 | 10690566 |
| Savings | 1742652 | 1731010 | 1554533 | 1375072 | 1327854 |
| Money market | 4604981 | 4398827 | 4339371 | 4206516 | 4057458 |
| Time deposits | 3420259 | 3295968 | 3079803 | 3000526 | 2857047 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total deposits** | $21592645 | $20778704 | $20405023 | $18976018 | $18932925 |

---

------

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 March 31, 2026** | **As of March 31, 2026** | **As of March 31, 2026** | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** | **As of March 31, 2025** | **As of March 31, 2025** | **As of March 31, 2025** |
| **<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 | $8474678 | $41214 | 0.49% | $8211174 | $37683 | 0.46% | $7244462 | $30584 | 0.42% |
| &nbsp;&nbsp;&nbsp;Multifamily | 2510697 | 19441 | 0.77% | 2490336 | 19333 | 0.78% | 2322123 | 18790 | 0.81% |
| &nbsp;&nbsp;&nbsp;Commercial real estate owner occupied | 1279501 | 10556 | 0.83% | 1135119 | 10431 | 0.92% | 1139126 | 10780 | 0.95% |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | 1742989 | 18470 | 1.06% | 1738821 | 18928 | 1.09% | 1438906 | 18058 | 1.25% |
| &nbsp;&nbsp;&nbsp;Construction | 204999 | 2672 | 1.30% | 162966 | 2225 | 1.37% | 154647 | 1264 | 0.82% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total commercial loans and leases receivable** | 14212864 | 92353 | 0.65% | 13738416 | 88600 | 0.64% | 12299264 | 79476 | 0.65% |
| Consumer: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 495458 | 5713 | 1.15% | 497567 | 6499 | 1.31% | 496772 | 6163 | 1.24% |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 26065 | 3338 | 12.81% | 27452 | 3391 | 12.35% | 31775 | 3800 | 11.96% |
| &nbsp;&nbsp;&nbsp;Installment | 785106 | 59558 | 7.59% | 777905 | 57166 | 7.35% | 728009 | 51637 | 7.09% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total consumer loans receivable** | 1306629 | 68609 | 5.25% | 1302924 | 67056 | 5.15% | 1256556 | 61600 | 4.90% |
| **Loans and leases receivable held for investment** | 15519493 | 160962 | 1.04% | 15041340 | 155656 | 1.03% | 13555820 | 141076 | 1.04% |
| Loans receivable, mortgage finance, at fair value | 1758685 |  | —% | 1612997 |  | —% | 1366460 |  | —% |
| Loans receivable, installment, at fair value | 93086 |  | —% | 102077 |  | —% | 138159 |  | —% |
| Loans held for sale | 20282 |  | —% | 26102 |  | —% | 37529 |  | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases portfolio** | $17391546 | $160962 | 0.93% | $16782516 | $155656 | 0.93% | $15097968 | $141076 | 0.93% |

---

------

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 March 31, 2026** | **As of March 31, 2026** | **As of March 31, 2026** | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** | **As of March 31, 2025** | **As of March 31, 2025** | **As of March 31, 2025** |
| **<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 | $18588 | 0.22% | 221.72% | $19790 | 0.24% | 190.41% | $18754 | 0.26% | 163.08% |
| &nbsp;&nbsp;&nbsp;Multifamily | 9090 | 0.36% | 213.87% | 2092 | 0.08% | 924.14% |  | —% | —% |
| &nbsp;&nbsp;&nbsp;Commercial real estate owner occupied | 5740 | 0.45% | 183.90% | 3876 | 0.34% | 269.12% | 7793 | 0.68% | 138.33% |
| &nbsp;&nbsp;&nbsp;Commercial real estate non-owner occupied | 135 | 0.01% | 13681.48% | 168 | 0.01% | 11266.67% | 62 | —% | 29125.81% |
| &nbsp;&nbsp;&nbsp;Construction |  | —% | —% |  | —% | —% |  | —% | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total commercial loans and leases receivable** | 33553 | 0.24% | 275.25% | 25926 | 0.19% | 341.74% | 26609 | 0.22% | 298.68% |
| Consumer: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential | 7509 | 1.52% | 76.08% | 9671 | 1.94% | 67.20% | 8151 | 1.64% | 75.61% |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 1143 | 4.39% | 292.04% | 1192 | 4.34% | 284.48% | 1653 | 5.20% | 229.89% |
| &nbsp;&nbsp;&nbsp;Installment | 3736 | 0.48% | 1594.16% | 4483 | 0.58% | 1275.17% | 4659 | 0.64% | 1108.33% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total consumer loans receivable** | 12388 | 0.95% | 553.83% | 15346 | 1.18% | 436.96% | 14463 | 1.15% | 425.91% |
| **Loans and leases receivable** | 45941 | 0.30% | 350.37% | 41272 | 0.27% | 377.15% | 41072 | 0.30% | 343.48% |
| Loans receivable, mortgage finance, at fair value |  | —% | —% |  | —% | —% |  | —% | —% |
| Loans receivable, installment, at fair value | 1626 | 1.75% | —% | 2137 | 2.09% | —% | 2059 | 1.49% | —% |
| Loans held for sale | 251 | 1.24% | —% | 279 | 1.07% | —% | 382 | 1.02% | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total loans and leases portfolio** | $47818 | 0.27% | 336.61% | $43688 | 0.26% | 356.29% | $43513 | 0.29% | 324.22% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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** |
| *(Dollars in thousands)* |  |  |  |  |  |
|  | **Q1** | **Q4** | **Q3** | **Q2** | **Q1** |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| **<u>Loan type</u>** |  |  |  |  |  |
| Commercial & industrial, including specialized lending | $2576 | $1620 | $2180 | $3871 | $3231 |
| Multifamily | 2630 | 4612 |  |  | 3834 |
| Commercial real estate owner occupied | (5) | (40) | 335 | 411 | 16 |
| Commercial real estate non-owner occupied |  | (225) | 3073 |  |  |
| Construction |  |  |  | (3) | (3) |
| Residential |  | 16 | 25 | (4) |  |
| Installment | 8054 | 7766 | 9758 | 8840 | 10066 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total net charge-offs (recoveries) from loans held for investment** | $13255 | $13749 | $15371 | $13115 | $17144 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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)* |  |  |  |  |  |
|  | **March 31,** | **December 31,** | **September 30,** | **June 30,** | **March 31,** |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| **Loans and leases** <sup>(1)</sup> **risk ratings:** |  |  |  |  |  |
| Commercial loans and leases |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Pass | $13803943 | $13316507 | $12927467 | $12047656 | $11815403 |
| &nbsp;&nbsp;Special Mention  | 159714 | 216462 | 187794 | 174587 | 189155 |
| &nbsp;&nbsp;Substandard  | 245028 | 200779 | 230079 | 256849 | 276018 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total commercial loans and leases | 14208685 | 13733748 | 13345340 | 12479092 | 12280576 |
| Consumer loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Performing | 1294311 | 1287408 | 1308987 | 1209377 | 1242753 |
| &nbsp;&nbsp;&nbsp;Non-performing | 12318 | 15516 | 13843 | 20298 | 13803 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total consumer loans | 1306629 | 1302924 | 1322830 | 1229675 | 1256556 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans and leases receivable <sup>(1)</sup> | $15515314 | $15036672 | $14668170 | $13708767 | $13537132 |

---

(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.

------

---

| |
|:---|
| **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.

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| <br>***Core Earnings - Customers Bancorp*** | | | | | | | | | | |
| <br>***Core Earnings - Customers Bancorp*** | **Q1 2026** | **Q1 2026** | **Q4 2025** | **Q4 2025** | **Q3 2025** | **Q3 2025** | **Q2 2025** | **Q2 2025** | **Q1 2025** | **Q1 2025** |
| *(Dollars in thousands, except per share data)* | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** | **USD** | **Per share** |
| GAAP net income to common shareholders | $69653 | $1.97 | $70088 | $1.98 | $73726 | $2.20 | $55846 | $1.73 | $9523 | $0.29 |
| Reconciling items (after tax): |  |  |  |  |  |  |  |  |  |  |
| Impairment loss on debt securities |  |  |  |  |  |  |  |  | 39875 | 1.23 |
| (Gains) losses on investment securities | (208) | (0.01) | (36) | 0.00 | (253) | (0.01) | 1388 | 0.04 | (124) | 0.00 |
| Derivative credit valuation adjustment |  |  |  |  |  |  |  |  | 210 | 0.01 |
| Loss on redemption of preferred stock |  |  | 2799 | 0.08 |  |  | 1908 | 0.06 |  |  |
| Unrealized (gain) loss on loans held for sale |  |  |  |  |  |  | (223) | (0.01) | 518 | 0.02 |
| Loan program termination fees |  |  |  |  |  |  | (772) | (0.02) |  |  |
| Core earnings | $69445 | $1.97 | $72851 | $2.06 | $73473 | $2.20 | $58147 | $1.80 | $50002 | $1.54 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Core Return on Average Assets - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except per share data)* | **Q1 2026** | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** |
| GAAP net income | $69653 | $74492 | $75745 | $60939 | $12912 |
| Reconciling items (after tax): |  |  |  |  |  |
| Impairment loss on debt securities |  |  |  |  | 39875 |
| (Gains) losses on investment securities | (208) | (36) | (253) | 1388 | (124) |
| Derivative credit valuation adjustment |  |  |  |  | 210 |
| Unrealized (gain) loss on loans held for sale |  |  |  | (223) | 518 |
| Loan program termination fees |  |  |  | (772) |  |
| Core net income | $69445 | $74456 | $75492 | $61332 | $53391 |
| Average total assets | $24920977 | $24721373 | $23930723 | $22362989 | $22314963 |
| Core return on average assets | 1.13% | 1.19% | 1.25% | 1.10% | 0.97% |

---

------

---

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

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Core Return on Average Common Equity - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except per share data)* | **Q1 2026** | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** |
| GAAP net income to common shareholders | $69653 | $70088 | $73726 | $55846 | $9523 |
| Reconciling items (after tax): |  |  |  |  |  |
| Impairment loss on debt securities |  |  |  |  | 39875 |
| (Gains) losses on investment securities | (208) | (36) | (253) | 1388 | (124) |
| Derivative credit valuation adjustment |  |  |  |  | 210 |
| Loss on redemption of preferred stock |  | 2799 |  | 1908 |  |
| Unrealized (gain) loss on loans held for sale |  |  |  | (223) | 518 |
| Loan program termination fees |  |  |  | (772) |  |
| Core earnings | $69445 | $72851 | $73473 | $58147 | $50002 |
| Average total common shareholders' equity  | $2146518 | $2093510 | $1878115 | $1751037 | $1730910 |
| Core return on average common equity | 13.12% | 13.81% | 15.52% | 13.32% | 11.72% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Core Efficiency Ratio - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except per share data)* | **Q1 2026** | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** |
| GAAP net interest income | $191351 | $204428 | $201912 | $176703 | $167446 |
| GAAP non-interest income (loss) | $34316 | $32516 | $30191 | $29606 | $(24490) |
| (Gains) losses on investment securities | (269) | (47) | (334) | 1797 | (160) |
| Derivative credit valuation adjustment |  |  |  |  | 270 |
| Unrealized (gain) loss on loans held for sale |  |  |  | (289) | 667 |
| Impairment loss on debt securities |  |  |  |  | 51319 |
| Loan program termination fees |  |  |  | (1000) |  |
| Core non-interest income | 34047 | 32469 | 29857 | 30114 | 27606 |
| Core revenue | $225398 | $236897 | $231769 | $206817 | $195052 |
| GAAP non-interest expense | $111988 | $117309 | $105217 | $106626 | $102771 |
| Core non-interest expense | $111988 | $117309 | $105217 | $106626 | $102771 |
| Core efficiency ratio <sup>(1)</sup> | 49.68% | 49.52% | 45.40% | 51.56% | 52.69% |

---

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

------

---

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

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Tangible Common Equity to Tangible Assets - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except per share data)* | **Q1 2026** | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** |
| GAAP total shareholders' equity | $2144300 | $2115517 | $2126059 | $1863558 | $1864560 |
| Reconciling items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Preferred stock |  |  | (82201) | (82201) | (137794) |
| &nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangibles | (3629) | (3629) | (3629) | (3629) | (3629) |
| Tangible common equity | $2140671 | $2111888 | $2040229 | $1777728 | $1723137 |
| GAAP total assets | $25880767 | $24895868 | $24260163 | $22550800 | $22423044 |
| Reconciling items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Goodwill and other intangibles | (3629) | (3629) | (3629) | (3629) | (3629) |
| Tangible assets | $25877138 | $24892239 | $24256534 | $22547171 | $22419415 |
| Tangible common equity to tangible assets | 8.3% | 8.5% | 8.4% | 7.9% | 7.7% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ***Tangible Book Value per Common Share - Customers Bancorp*** | | | | | |
| *(Dollars in thousands, except share and per share data)* | **Q1 2026** | **Q4 2025** | **Q3 2025** | **Q2 2025** | **Q1 2025** |
| GAAP total shareholders' equity | $2144300 | $2115517 | $2126059 | $1863558 | $1864560 |
| Reconciling Items: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Preferred stock |  |  | (82201) | (82201) | (137794) |
| &nbsp;&nbsp;&nbsp;&nbsp;Goodwill and other intangibles | (3629) | (3629) | (3629) | (3629) | (3629) |
| Tangible common equity | $2140671 | $2111888 | $2040229 | $1777728 | $1723137 |
| Common shares outstanding | 33692632 | 34191223 | 34163506 | 31606934 | 31479132 |
| Tangible book value per common share | $63.54 | $61.77 | $59.72 | $56.24 | $54.74 |

---

## Exhibit 99.2

![](q126investorpresentation001.jpg)

1 Q1'26 1 April 2026 Investor Presentation

------

![](q126investorpresentation002.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, 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, 2025, 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

------

![](q126investorpresentation003.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 Customers Bank2 Banking Industry Benchmark3 NYSE: CUBI \| FTE Employees ~900 \| Total Assets $25.9B Data as of 3/31/2026 Customers Bancorp, Inc. 1. Non-GAAP measure, refer to appendix for reconciliation 2. As of December 2025 3. The Qualtrics U.S. Banking Relational Net Promoter® Score (NPS®) benchmark is derived from Qualtrics' vast Customer Experience dataset. The dataset includes 2022-2023 anonymized results from 50+ U.S. banking organizations, covering 80+ separate relationship surveys, and encompassing 400,000 individual survey respondents Key Balance Sheet Stats Delivering exceptional growth across the Bank Total Assets Total Gross Loans Total Deposits TBVPS1 Q1'26 ($) 25.9B 17.4B 21.6B 63.54 YoY Growth (%) 15 15 14 16 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) 81 41

------

![](q126investorpresentation004.jpg)

4© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Q1'26 Key Accomplishments 1. Non-GAAP measure, refer to appendix for reconciliation 2. 2026 proxy peers most recent quarter ("MRQ"); MRQ represents Q1'26 for proxy peer banks that have reported earnings data before April 23, 2026. Otherwise represents Q4'25 data 3. Q4'2019 to Q1'2026 4. CET1 is estimated pending final regulatory report 4% loan growth QoQ 15% loan growth YoY Diversified across the franchise with multiple verticals contributing to growth Over $800 million net growth in deposits QoQ Over $230 million of non-interest bearing deposit growth QoQ outside of digital assets channel Added over 1,100 net commercial deposit accounts in the quarter with over 50% coming from the 2025 Teams Solid Loan GrowthAccretive Deposit Performance NII increased 14% YoY NIM expansion of 9 bps YoY Average deposit costs continued to decline with 8 bps reduction in quarter to 2.46% Net Interest Income (NII) & Net Interest Margin (NIM) CET1 ratio at 12.8%4 TCE/TA1 increased 60 bps YoY to 8.3% Approximately 620k shares repurchased at wtd. avg. price of ~$68 Tangible book value approached $64 per share1 YoY growth of 16% 15%+ CAGR over approximately six years3 Strong Capital & LiquidityTangible Book Value Growth Core Revenue1 growth outpaced core non- interest expense1 growth by nearly 2x YoY Core efficiency ratio1 declined 3 p.p. YoY Core non-interest expense as percent of average assets1 of 1.82% is among the lowest of regional bank peers2 Positive Operating Leverage

------

![](q126investorpresentation005.jpg)

5 Organic Growth: Accelerate Franchise Growth and deliver top-tier, high-quality organic loan and deposit growth by recruiting high- performing executives and deposit-rich teams to expand our commercial banking franchise 1 2 3 Payments: Expand the cubiX ecosystem, broaden existing network to serve additional industries and develop sophisticated product offerings and embedded payments solutions 4 2026 Priorities AI: Operationalize AI at Scale and deploy AI across the organization, targeting full workflow orchestration and operating leverage Risk Management Excellence: Sustain and operate with the highest standards of regulatory and risk management excellence — turning discipline into a competitive advantage and an enabler of growth

------

![](q126investorpresentation006.jpg)

6© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED AI: Operationalizing Across Customers Bank ✓ Goal: be a leader in AI adoption among regional banks ✓ Measured in outcomes: cycle time, cost per transaction, error rates ✓ Small enough to move fast, large enough to invest with intent ✓ AI is the most significant opportunity in a generation for a bank of our size Increase Revenue Reduce Risk Improve Productivity AI in Production Strategic Vision Efficiency Augmented by AI Early Results $910 $981 2024 2025 Revenue per Employee1 $ thousands $286 $346 2024 2025 Pre-tax Profit per Employee2 $ thousands $27 $28 2024 2025 Avg. Assets per Employee3 $ millions Of team members AI licensed 75% Agents4 built by team members 500+ Hours saved5 28,000+ 1. Revenue / employee = (Net Interest Income + Non-Interest Income) ÷ Average FTE. Average FTE is the simple average of the four quarter-end FTE counts 2. Pre-Tax Income / employee = GAAP Income Before Income Tax Expense ÷ Average FTE. Average FTE is the simple average of four quarter-end FTE counts 3. Average Assets / employee = Average Total Assets ÷ Average FTE. Average FTE is the simple average of four quarter-end FTE counts 4. Includes custom GPTs and other similar AI agent products across major platforms used in the last 6 months 5. Hours saved reflect self-reported estimates from survey of employees using AI tools FOUNDATION Governance & Data 2024 2025 2026 2027+ PRODUCTION Piloting Use Cases PHASE 1 Deploying Use Cases and Agentic Resources PHASE 2 End-to-End Mass Deployment

------

![](q126investorpresentation007.jpg)

7© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Digital Assets Payments: Customers Bank is at the forefront of the industry We believe payments functionality is the future of banking and are extending our payments footprint cubiX by the Numbers4 Accelerate Industry Adoption Mortgage Finance Real Estate In Progress FY 2024 FY 2025 ~$1~$12 ~$500 Q1'26 ~$1,500+ ~$2,000+ ~$500+ Digital Assets Mortgage Finance Real Estate cubiX network activity5 $ billions 100% FY 2024 100% FY 2025 1% 81% Q1'26 18% cubiX deposit balances Average balance composition Q3'25 Q4'25 Q1'26 4.02 3.86 3.80 3.86 4.00 3.62 Stable Digital Asset Client Deposit Balances Despite Sector Volatility $ billions 1. Indexed to Q3'25 = 0 2. Source: FRED St. Louis 3. Average Transaction Volume represents basket of cryptocurrencies across multiple exchanges. Source: CoinGecko 4. Includes Digital Assets vertical and select client verticals utilizing advanced payment capabilities 5. 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 Instant Payments Platform RTP FedNow Wires ACH cubiX Digital Asset Client Spot Deposit Balance Digital Asset Client Average Deposit Balance BTC PRICE -33%1,2 Market-wide price compression TRANSACTION VOL. -24%1,3 Sector-wide reduction in trading activity DEPOSITS -6%1 Within operating range despite digital asset volatility STABLE Adopted Capital Markets Opportunity

------

![](q126investorpresentation008.jpg)

8© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Strategic Direction $7.61 2019 2025 $2.357 22%3 2019 2025 $358 $81815%3 $26.17 $61.77 2019 2025 15%3 Top 5 Revenue Compounder4,5,6 #1 Core EPS Compounder4,5 Core EPS2 $ Revenue1 $ millions TBVPS2 $#2 TBVPS Compounder4,5 Organic Growth: Culture, Strategy & Performance Organic growth driven by putting the customer at the center of everything we do Key Financial Performance 1) Deliver personal, high-touch service through a single point of contact 2) Client-centric and entrepreneurial culture drives franchise value 3) Differentiated platform attracts top talent consistently 4) Forward thinking technology capabilities designed for the future state of banking 2026 Organic Growth Strategy ✓ Continue team recruitment ✓ Deepen market share in existing geographies ✓ Bolster specialized deposit-focused verticals 1. Revenue is calculated as the sum of net interest income and noninterest income 2. Non-GAAP measure, refer to appendix for reconciliation 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 throughout the time period horizon 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 7. Originally reported 2019 Core EPS of $2.28 which was recast to $2.35 to reflect the results of discontinued operations Culture & Business Model CULTURE FOCUS STRATEGY Customer Centric Focus Single Point of Contact Target Top 3-5 National Competitors in Focused Set of Verticals Sophisticated Product Offerings Entrepreneurial Culture Banking Entrepreneurs Sufficient Scale, Yet Nimble Consistent Recruiter of Top Talent High-Touch and Branch- Lite Model Strategic Direction Superior Technology Capabilities

------

![](q126investorpresentation009.jpg)

9© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Profitability Balance Sheet Credit 3.22% vs. 3.40% NIM $25.9B +4% Total Assets 0.14% -2 bps Commercial NCOs Ratio1 $17.4B +4% Total Loans and Leases 0.27% +1 bps NPLs to Total Loans Financial Highlights - GAAP Highlights Q1'26 EARNINGS REVIEW Total Deposits $21.6B +4% Reserves to NPLs 337% vs. 356% $1.97 DILUTED EPS $69.7M NET INCOME ROCE 13.2% ROAA 1.13% vs. 1.20% 1. Q1'26 annualized NCOs as percentage of average total loans and leases for Q1'26 was 0.32%, down 1 bps compared to Q4'25 Q1'26 (vs. Q4'25)

------

![](q126investorpresentation010.jpg)

10© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Profitability Balance Sheet Credit 3.22% vs. 3.40% NIM $25.9B +4% Total Assets 0.14% -2 bps Commercial NCOs Ratio3 $17.4B +4% Total Loans and Leases 0.27% +1 bps NPLs to Total Loans Financial Highlights - Core Highlights Q1'26 EARNINGS REVIEW Total Deposits $21.6B +4% Reserves to NPLs 337% vs. 356% $1.97 $69.4M 13.1% 1.13% vs. 1.19% Q1'26 (vs. Q4'25) 1. Q1'26 excludes pre-tax gains on investment securities of $0.3 million 2. Non-GAAP measure, refer to appendix for reconciliation 3. Q1'26 annualized NCOs as percentage of average total loans and leases for Q1'26 was 0.32%, down 1 bps compared to Q4'25 CORE EPS1,2 CORE EARNINGS1,2 CORE ROCE1,2 Core ROAA1,2

------

![](q126investorpresentation011.jpg)

11© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Non-interest Bearing Deposit Composition 1. 2026 proxy peers most recent quarter ("MRQ") 2. Digital Assets Vertical spot balances were $4.0B and $3.8B in Q1'26 and Q4'25 respectively Total Deposits $ billions Average cost of deposits $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 $5.1 $9.4 Q4'25 $6.7 (31%) $5.1 $9.8 Q1'26 $18.9 $19.0 $20.4 $20.8 $21.6 Non-Interest Bearing DDA Interest Bearing DDA Non-DDA • Total deposits increased over $800 million in the quarter and $2.7 billion year-over-year • Non-interest bearing balances excluding digital assets vertical increased approximately $230 million in the quarter2 2.46% Steady Deposit Growth and Mix Improvement Approaching $22 billion in deposits with over 31% non-interest bearing balances ACCRETIVE DEPOSIT PERFORMANCE • Non-interest bearing deposits increased by over $400 million in the quarter to a period end record $6.7 billion, or over 31% of total deposits, representing top quartile of peer banks1 Quarterly Non-interest Bearing Deposit Growth ex. Digital Assets Vertical2 $ millions Q2'25 Q3'25 Q4'25 Q1'26 $26 $96 $144 $231 QoQ NIBD Growth (ex. Digital Assets Vertical) 2.54% CUBI 31% CUBI Regional Bank Peers (MRQ)1 Top Quartile (28.3%) QoQ: +9% YoY: +22%

------

![](q126investorpresentation012.jpg)

12© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Kk s Spotlight: 2024 Vintage Teams \| 2-Year Anniversary Update1 Successful Execution of Deposit Franchise Transformation led by Team Recruitment Strategy ACCRETIVE DEPOSIT PERFORMANCE Commercial Client Deposit Accounts 1. All data as of 3/31/2026 2025 teams achieved low 9 figure deposit balances at a spot cost of ~50bps1 Q1'26 Account Openings Three Ways the 2024 Teams Delivered Scale ~8,000 deposit accounts $2.1B+ deposit balance Funding Quality 32% NIBD ~2% spot deposit cost 400+ bps loan to deposit spread 2.7x deposit to loans Q1'25 profitable in ~3 quarters 10 Teams launched in April 2024 Economics 89% 11% Funded <$50K Funded >$50K Q1'26 Account Openings by 2025 Teams 46% 2025 Teams All Other 1,167 Net Accounts Added $0.8B loan balance 54% 2023 Teams Joined 2024 Teams Joined 13,769 15,383 20,401 23,111 24,278 2022 2023 2024 2025 Q1'26 +5% QoQ 2025 Teams Joined

------

![](q126investorpresentation013.jpg)

13© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Strong Loan Growth With Diversified Contributions Across The Franchise Q1'26 Loan Portfolio $ billions • Loan growth of over $600 million, or 4% QoQ, compared to 1% for the industry1 ROBUST LOAN GROWTH 1. US Banks with $10-$100 billion in assets that have reported earnings data before April 23, 2026. Source S&P Cap IQ 2. Includes Investment CRE, Construction, and Multifamily 3. Fund Finance includes Lender Finance and Capital Call Lines 4. Includes RESF, FIG, Commercial Banking Teams, Community C&I, Mortgages, PPP, and Other Fund Finance2 Mortgage Warehouse Healthcare CRE3 Tech and Venture Public Finance Consumer Installment SBA Lending Other4 Total Loan Growth $335 $131 $107 $67 $25 $20 -$7 -$21 -$49 $609 Q1'26 Loan Growth by Verticals $ millions Total Loans Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 $15.1 $15.4 $16.3 $16.8 $17.4 +15% • Top growth verticals included Fund Finance, Mortgage Finance, Healthcare, and CRE2 • Diversified loan growth focused on adding franchise value

------

![](q126investorpresentation014.jpg)

14© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Net Interest Income Growth of 14% Year-over-Year Net Interest Income & Net Interest Margin $ millions, percent 3.13% 3.27% 3.46% 3.40% 3.22%3.25% 3.24% Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 $167.4 $176.7 $201.9 $204.4 $191.4 NET INTEREST INCOME & NET INTEREST MARGIN • $24 million NII growth and 9 basis points margin expansion YoY driven by higher average loan balances and reduced funding costs • Highlights margin resilience despite effective federal funds rate being 69bps higher in Q1'25 • Cumulative IB and total deposit beta of 65% and 59%, respectively Key Highlights Net Interest Income NIM Illustrative NIM excl. Accretion Income Impact1 1. Q3'25 and Q4'25 contained large accretion benefit from a purchase of a loan portfolio at a discount from a participation partner Q1'26: Reflects accretion income sunset + lower day count QoQ.

------

![](q126investorpresentation015.jpg)

15© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Peer Leading Efficiency While Investing In Our Business $102.8 $106.6 $105.2 $117.3 $112.0 52.7% Q1'25 51.6% Q2'25 45.4% Q3'25 49.5% Q4'25 49.7% Q1'26 Core Non-Interest Expense1 $ millions • Significant positive operating leverage with core revenue1 up 16% and core expenses1 up only 9% • As a result, core efficiency ratio1 has declined by over 300bps YoY while investing in the franchise Core Non-Interest Expense / Average Assets1 percent • CUBI's core non-interest expense as percent of average assets1 is among the lowest regional bank peers2 1.82% CUBI CUBI (Q1'26) Regional Bank Peers (MRQ)2 1. Non-GAAP measure, refer to appendix for reconciliation 2. 2026 proxy peers most recent quarter ("MRQ") Top Quartile (2.00%) Median (2.19%) OPERATIONAL EFFICIENCY AND STRATEGIC INVESTMENTS Core Non-interest Expense1 Core Efficiency Ratio1 16% 9% Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Core Revenue Growth1 Core Non-Interest Expense Growth1 Core Revenue1 and Core NIE1 indexed to Q1'25 = 0% Positive Operating Leverage Percent growth Core EPS1 YoY: +28%

------

![](q126investorpresentation016.jpg)

16© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED • Process automation for AI • Technology platform consolidation • Realization of benefits from risk management enhancements • Strategic realignment Revenue Initiatives • Increase treasury management fees from commercial clients • Capital markets and fee-based businesses Expense Initiatives OPERATIONAL EFFICIENCY AND STRATEGIC INVESTMENTS OE2: 2026 Operational Excellence Initiative – Q1'26 Update Initial Target of $20 Million Annual Run-Rate Achieved; Increasing Target by $10 Million Savings Used to Invest in the Franchise ~$4.0M Revenue Initiatives Expense Initiatives Phase 1 Phase 1 Total New Target New Initiatives Target ~$16.0M $20.0M Phase 1: Initial Target Accomplished $30.0M Phase 2: Targeting Additional $10M in OE2 $10.0M Phase 2

------

![](q126investorpresentation017.jpg)

17© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Tangible Book Value1 per share Tangible Book Value Up 16% Year-over-Year 1. Non-GAAP measure, refer to appendix for reconciliation 2. CAGR from Q4'19 to Q1'26 inclusive of impact of AOCI mark-to-market; Q4'19 and Q1'26 AOCI impact of $(0.04) and $(1.62) per share, respectively 3. 2026 proxy peers most recent quarter ("MRQ") $26.17 $27.92 $37.21 $38.97 $47.61 $54.08 $61.77 $63.54 2019 2020 2021 2022 2023 2024 2025 Q1'26 +14% TANGIBLE BOOK VALUE GROWTH • TBVPS1 increased 3% QoQ and 16% YoY to $63.54 • 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 15%

------

![](q126investorpresentation018.jpg)

18© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED ` ` 14.6% 14.5% 15.4% 15.4% 14.8% Total Risk-Based Capital percent 7.7% 7.9% 8.4% 8.5% 8.3% 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 11.7% 12.1% 13.0% 13.0% 12.8% CET1 Risk-Based Capital percent STRONG CAPITAL AND LIQUIDITY • Redeemed $110 million subordinated debt in Q1'26 • Strong capital ratios provide flexibility • TCE/TA2 Ratio up 60 basis points YoY with 15% increase in tangible assets2 over same period Q1'25 Q2'25 Key Highlights Q3'25 Q4'25 Q1'261

------

![](q126investorpresentation019.jpg)

19© 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. 2026 proxy peers most recent quarter ("MRQ") V • Reserves to NPLs strong at 337% • NPAs to total assets remain low at 29 bps and below regional bank peer median1 of 34 bps • Total NCOs declined 4% QoQ Q1'25 Q2'25 Q3'25 Q4'25 0.22% 0.13% 0.16% 0.16% 0.14% 2.78% 2.50% 2.60% 2.08% 2.27% 0.48% 0.35% 0.39% 0.33% 0.32% 0.26% 0.27% 0.25% 0.29% 0.29%0.37% 0.32% 0.34% 0.35% 0.34% CUBI Regional Bank Peers1 Q1'26 Loan Yield less NCOs • CUBI generates an above peer median1 yield when accounting for costs associated with net charge-offs Median: 5.78% 6.00% CUBICUBI (Q1'26) Regional Bank Peers (MRQ)1

------

![](q126investorpresentation020.jpg)

20© 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% Notes 8 – 12% 23 – 25% Non-Interest Expense $432M Current Outlook FY 2026 8 – 12% $800M – $830M $440M – $460M 11.5 – 12.5%

------

![](q126investorpresentation021.jpg)

21 Analyst Coverage D.A. Davidson Companies Peter Winter Hovde Group David Bishop Keefe, Bruyette & Woods Inc. Kelly Motta Morgan Stanley Brian Wilczynski Stephens Inc. Matt Breese Raymond James Steve Moss B. Riley Securities, Inc. Hal Goetsch TD Cowen Janet Lee 2026 New Analyst JPMorgan Anthony Elian Piper Sandler Manuel Navas Maxim Group LLC Michael Diana

------

![](q126investorpresentation022.jpg)

22 Appendix

------

![](q126investorpresentation023.jpg)

23© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED NDFI Portfolio Overview and Highlights >10-year performance history Diversified with Controls • Single obligor exposure • Industry exposure • Geography concentration Portfolio Management and Monitoring • Dynamic collateral activity • Minimum monthly review of borrowing bases with more frequent reviews triggered by any material change to the borrowing base • Operational field exams paired with review of audited financials Conservative Underwriting Approach • 75%+ of the portfolio qualifies for 20% risk-weighting • Default rates would have to exceed 4x observed default rates from the Great Financial Crisis to impair the Bank's facility Loan Portfolio1 1. Estimates pending final regulatory report 2. Business credit exposures are comprised of 99% lender finance balances 3. Weighted average determined by outstanding balances 4. As of 2/28/2026 5. As of 12/31/2025 Deep Dive: Customers Bank Lender Finance Portfolio Metrics Credit Performance 76 Wtd. Avg. Number Obligors per Facility3,4 76 Credit Facilities 62.9% Wtd. Avg. Advance Rate3 0.00% NPLs 0.00% NCOs 23% 14% 14%14% 12% 6% 5% 5% 3% 2% 1% 0% Industry Diversification5 Information Technology Industrials Healthcare Consumer Discretionary Real Estate Financials Communication Services Consumer Staples Materials Other Energy Utilities No Exposure to Consumer Credit Intermediaries ~30-35% Typical "Look Through" LTV 8.5% Wtd. Avg. Largest Obligor per Facility3,4 Zero Defaults Zero Delinquencies No Material Exposure to Energy Sector No Material Exposure to Receivables and Inventory Financing 16% 14% 4% 65% Business Credit2 0% Mortgage Credit Private Equity Other NDFIs Remaining Loan Portfolio Remaining NDFI exposure

------

![](q126investorpresentation024.jpg)

24© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Investment Securities – AFS percent, Q1'26 Securities Portfolio Characteristics • Spot yield: 5.43% • Effective duration: 2.6 years • Floating rate securities: ~28% • Credit rating: 74% AAA with only 4% at BB Investment Securities – HTM percent, Q1'26 • Spot yield: 3.31% • Effective duration: 3.9 years • Floating rate securities: ~30% • Credit rating: 63% AAA with no rated securities non- investment grade • ABS: $0.2 billion of credit enhanced asset backed securities 67% 33% MBS & CMO Credit Enhanced ABS Total: $0.7 billion Corporate ABS Other MBS & CMO Total: $2.0 billion 12% 14% 72% 2%

------

![](q126investorpresentation025.jpg)

25© 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 March 2026 baseline and adverse forecast scenario with qualitative adjustments for Q1'26 provision for credit losses 3. Utilized Moody's December 2025 baseline and adverse forecast scenario with qualitative adjustments for Q4'25 provision for credit losses Allowance for Credit Losses for Loans and Leases March 31, 2026 December 31, 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 $8,474,678 $41,214 0.49 % $8,211,174 $37,683 0.46 % Multifamily 2,510,697 19,441 0.77 % 2,490,336 19,333 0.78 % Commercial Real Estate Owner Occupied 1,279,501 10,556 0.83 % 1,135,119 10,431 0.92 % Commercial Real Estate Non-Owner Occupied 1,742,989 18,470 1.06 % 1,738,821 18,928 1.09 % Construction 204,999 2,672 1.30 % 162,966 2,225 1.37 % Total Commercial Loans and Leases Receivable $14,212,864 $92,353 0.65 % $13,738,416 $88,600 0.64 % Consumer: Residential Real Estate $495,458 $5,713 1.15 % $497,567 $6,499 1.31 % Manufacturing Housing 26,065 3,338 12.81 % 27,452 3,391 12.35 % Installment 785,106 59,558 7.59 % 777,905 57,166 7.35 % Total Consumer Loans Receivable $1,306,629 $68,609 5.25 % $1,302,924 $67,056 5.15 % Total Loans and Leases Receivable $15,519,493 $160,962 1.04 % $15,041,340 $155,656 1.03 %

------

![](q126investorpresentation026.jpg)

26© 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

------

![](q126investorpresentation027.jpg)

27© 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Earnings - Customers Bancorp Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 (dollars in thousands, except per share data) USD Per share USD Per share USD Per share USD Per share USD Per share GAAP net income to common shareholders $69,653 $1.97 $70,088 $1.98 $73,726 $2.20 $55,846 $1.73 $9,523 $0.29 Reconciling items (after tax): Impairment loss on debt securities — — — — — — — — 39,875 1.23 (Gains) losses on investment securities (208) (0.01) (36) 0.00 (253) (0.01) 1,388 0.04 (124) 0.00 Derivative credit valuation adjustment — — — — — — — — 210 0.01 Loss on redemption of preferred stock — — 2,799 0.08 — — 1,908 0.06 — — Unrealized (gain) loss on loans held for sale — — — — — — (223) (0.01) 518 0.02 Loan program termination fees — — — — — — (772) (0.02) — — Core earnings $69,445 $1.97 $72,851 $2.06 $73,473 $2.20 $58,147 $1.80 $50,002 $1.54

------

![](q126investorpresentation028.jpg)

28© 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 2,060 0.07 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 — — 158 0.02 — — — — 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 $74,073 $2.35

------

![](q126investorpresentation029.jpg)

29© 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) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 GAAP net income $69,653 $74,492 $75,745 $60,939 $12,912 Reconciling items (after tax): Severance expense — — — — — Impairment loss on debt securities — — — — 39,875 Legal settlement — — — — — (Gains) losses on investment securities (208) (36) (253) 1,388 (124) Derivative credit valuation adjustment — — — — 210 FDIC special assessment — — — — — Unrealized (gain) on equity method investments — — — — — Unrealized (gain) loss on loans held for sale — — — (223) 518 Loan program termination fees — — — (772) — Core net income $69,445 $74,456 $75,492 $61,332 $53,391 Average total assets $24,920,977 $24,721,373 $23,930,723 $22,362,989 $22,314,963 Core return on average assets 1.13 % 1.19 % 1.25 % 1.10 % 0.97 %

------

![](q126investorpresentation030.jpg)

30© 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) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 GAAP net income to common shareholders $69,653 $70,088 $73,726 $55,846 $9,523 Reconciling items (after tax): Impairment loss on debt securities — — — — 39,875 Legal settlement — — — — — (Gains) losses on investment securities (208) (36) (253) 1,388 (124) Derivative credit valuation adjustment — — — — 210 Loss on redemption of preferred stock — 2,799 — 1,908 — Unrealized (gain) loss on loans held for sale — — — (223) 518 Loan program termination fees — — — (772) — Core earnings $69,445 $72,851 $73,473 $58,147 $50,002 Average total common shareholders' equity $2,146,518 $2,093,510 $1,878,115 $1,751,037 $1,730,910 Core return on average common equity 13.12 % 13.81 % 15.52 % 13.32 % 11.72 %

------

![](q126investorpresentation031.jpg)

31© 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 (dollars in thousands except per share data) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 GAAP net interest income $191,351 $204,428 $201,912 $176,703 $167,446 GAAP non-interest income (loss) $34,316 $32,516 $30,191 $29,606 $(24,490) (Gains) losses on investment securities (269) (47) (334) 1,797 (160) Derivative credit valuation adjustment — — — — 270 Unrealized (gain) loss on loans held for sale — — — (289) 667 Impairment loss on debt securities — — — — 51,319 Loan program termination fees — — — (1,000) — Core non-interest income 34,047 32,469 29,857 30,114 27,606 Core revenue $225,398 $236,897 $231,769 $206,817 $195,052 GAAP non-interest expense $111,988 $117,309 $105,217 $106,626 $102,771 Core non-interest expense $111,988 $117,309 $105,217 $106,626 $102,771 Core efficiency ratio (1) 49.68 % 49.52 % 45.40 % 51.56 % 52.69 %

------

![](q126investorpresentation032.jpg)

32© 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 (dollars in thousands except per share data) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 GAAP non-interest expense $111,988 $117,309 $105,217 $106,626 $102,771 Severance expense — — — — — FDIC special assessment — — — — — Legal settlement — — — — — Core non-interest expense $111,988 $117,309 $105,217 $106,626 $102,771 Average total assets $24,920,977 $24,721,373 $23,930,723 $22,362,989 $22,314,963 Core Non-interest Expense to average assets 1.82 % 1.88 % 1.74 % 1.91 % 1.87 %

------

![](q126investorpresentation033.jpg)

33© 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) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 GAAP total shareholders' equity $2,144,300 $2,115,517 $2,126,059 $1,863,558 $1,864,560 Reconciling items: Preferred stock — — (82,201) (82,201) (137,794) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $2,140,671 $2,111,888 $2,040,229 $1,777,728 $1,723,137 GAAP Total assets $25,880,767 $24,895,868 $24,260,163 $22,550,800 $22,423,044 Reconciling items: Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible assets $25,877,138 $24,892,239 $24,256,534 $22,547,171 $22,419,415 Tangible common equity to tangible assets 8.3 % 8.5 % 8.4 % 7.9 % 7.7 %

------

![](q126investorpresentation034.jpg)

34© 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) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 GAAP total shareholders' equity $2,144,300 $2,115,517 $2,126,059 $1,863,558 $1,864,560 Reconciling Items: Preferred stock — — (82,201) (82,201) (137,794) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $2,140,671 $2,111,888 $2,040,229 $1,777,728 $1,723,137 Common shares outstanding 33,692,632 34,191,223 34,163,506 31,606,934 31,479,132 Tangible book value per common share $63.54 $61.77 $59.72 $56.24 $54.74

------

![](q126investorpresentation035.jpg)

35© 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

------