Customers Bank
Customers Bank reported total assets of $26.5 bn at Q2 2026, up 17.6% on a year earlier, the 82nd largest of 497 banks in our US coverage. The CET1 capital ratio at Customers Bank was 13.55%, and the uninsured share of Customers Bank was 44.28%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Customers Bank climbed from 360th to 207th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Customers Bank apart
How large is Customers Bank?
The balance sheet of Customers Bank at : assets $26.5 bn, deposits $21.9 bn, net loans $17.9 bn (loans equal to 81.60% of deposits). Securities make up 12.2% of total assets at Customers Bank. Since , when Customers Bank held $9.0 bn, its assets grew 194.0%. In the year to , deposits at Customers Bank rose 14.6% while its total assets rose 17.6%. At , Customers Bank employed 883 full-time equivalent staff across 7 offices, about $30.0 mn of assets per employee and $3.1 bn of deposits per office.
How much funding at Customers Bank is uninsured?
At Customers Bank, uninsured deposits (above the FDIC limit) made up 44.28% of domestic deposits at (+5.37 pp on a year earlier); Customers Bank ranks 146th of 500 on this measure. In dollars, Customers Bank estimated $9.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $21.9 bn | +14.6% | 81st of 499 |
| Net loans and leases | $17.9 bn | +16.9% | 83rd of 500 |
| Loan-to-deposit ratio | 81.60% | +1.60 pp | 322nd of 500 |
| Tier 1 leverage ratio | 9.34% | +0.48 pp | 391st of 500 |
| Total risk-based capital ratio | 14.53% | +0.10 pp | 210th of 448 |
| Net interest margin | 3.20% | -0.06 pp | 373rd of 500 |
| Return on assets (ROA) | 1.15% | +0.43 pp | 330th of 500 |
| Efficiency ratio | 48.88% | -1.38 pp | 125th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $56.0 mn | Narrowed by $2.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $70.7 mn | Narrowed by $10.8 mn | |
| Noncurrent loans to total loans | 0.33% | +0.09 pp | 122nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.32% | -0.08 pp | 405th of 500 (1 = lowest) |
US rank of Customers Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Customers Bank: assets, deposits and loans
- Total assets $26.5bn
- Deposits $21.9bn
- Net loans $17.9bn
Capital and securities
The CET1 ratio of Customers Bank stood at 13.55% in , +0.55 pp year on year. Low and high at Customers Bank since : 8.81% () to 14.17% (). Equity capital of Customers Bank at : $2.3 bn, or 8.8% of total assets. Customers Bank also reported a total capital ratio of 14.53% for , and a tier 1 leverage ratio of 9.34%.
On held-to-maturity securities, Customers Bank carried an unrealized loss of $56.0 mn at , equal to 2.4% of equity capital. The loss narrowed by $2.6 mn over the year. Its deepest point: $59.1 mn in . The available-for-sale portfolio of Customers Bank showed an unrealized loss of $70.7 mn at ; the loss narrowed by $10.8 mn over the year.
Customers Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 9.3%
Customers Bank: unrealized securities gains and losses
- Available for sale -$71mn
- Held to maturity -$56mn
Profitability and loan quality
For the year to , Customers Bank earned a return on equity of 13.06%; return on assets: 1.15%. Net interest margin at Customers Bank: 3.20%, -0.06 pp in a year. Customers Bank net income: $147.4 mn, up 85.0% year on year. The efficiency ratio of Customers Bank was 48.88%: about 49 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 0.33% of total loans at Customers Bank; net charge-offs: 0.32% of average loans. Gross loans and leases at Customers Bank: $18.0 bn, up 16.9% in a year.
Customers Bank: profitability
- Return on equity 13%
- Net interest margin 3.2%
- Return on assets 1.1%
Peer group of Customers Bank
The peer group of Customers Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Customers Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Pennsylvania. Against them, Customers Bank shows CET1 ratio 13.55% against a peer median of 13.63%, return on equity 13.06% against a peer median of 10.12% and uninsured deposit share 44.28% against a peer median of 33.77%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| WaFd Bank | State nonmember bank | WA | $27.6 bn | 12.95% | 8.98% | 31.10% | |
| Renasant Bank | State member bank | MS | $27.0 bn | 12.41% | 9.17% | 46.27% | |
| Charles Schwab Premier Bank, SSB | State member bank | TX | $26.6 bn | 49.32% | 20.07% | 1.56% | |
| Customers Bank | State member bank | PA | $26.5 bn | 13.55% | 13.06% | 44.28% | |
| First Interstate Bank | State member bank | MT | $25.8 bn | 14.32% | 9.61% | 36.43% | |
| Provident Bank | State-chartered stock savings bank | NJ | $25.7 bn | 12.10% | 10.63% | 54.14% | |
| Ameriprise Bank, FSB | Federal savings bank | MN | $25.5 bn | 30.38% | 50.95% | 1.54% | |
. FDIC Call Reports.
Last eight quarters
Two years at Customers Bank, to : assets +23.4%, deposits +20.1%, equity +27.1%. Staff 813 to 883.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $21.5 bn | $22.3 bn | $22.4 bn | $22.5 bn | $24.3 bn | $24.9 bn | $25.9 bn | $26.5 bn |
| Total deposits | $18.2 bn | $19.0 bn | $19.1 bn | $19.1 bn | $20.6 bn | $21.0 bn | $21.7 bn | $21.9 bn |
| Bank equity capital | $1.8 bn | $1.8 bn | $1.8 bn | $1.9 bn | $2.1 bn | $2.2 bn | $2.3 bn | $2.3 bn |
| CET1 ratio | 13.64% | 12.96% | 12.40% | 13.00% | 13.22% | 13.25% | 13.78% | 13.55% |
| Return on equity (ROE) | 12.09% | 10.67% | 3.27% | 8.57% | 10.98% | 11.95% | 12.99% | 13.06% |
| Uninsured share of domestic deposits | 33.40% | 38.56% | 38.25% | 38.91% | 42.19% | 40.93% | 42.78% | 44.28% |
| Full-time equivalent employees | 813 | 792 | 802 | 806 | 854 | 872 | 901 | 883 |
| Number of offices | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Customers Bank
- Total assets at Customers Bank changed by +49.0% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Customers Bank?
Customers Bank reported $26.5 bn at in its Call Report. That makes Customers Bank the 82nd largest of 497 banks in our US coverage.
Is Customers Bank the same as its holding company?
No. This page covers Customers Bank, FDIC certificate 34444; CUSTOMERS BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Customers Bank profitable?
Customers Bank reported net income of $147.4 mn for the year to ; annualized return on equity: 13.06%. So yes: Customers Bank made a profit over these months.
When is data for Customers Bank next updated?
Figures from Customers Bank for are due after .
Where can I check the figures for Customers Bank?
In the FDIC BankFind Suite record for certificate 34444, and in the Call Reports of Customers Bank (RSSD ID 2354985) at the FFIEC Central Data Repository.