Form 8-K

8-K — Customers Bancorp, Inc.

Accession: 0001488813-26-000062

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0001488813

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — cubi-20260423.htm (Primary)

EX-99.1 (q126pressrelease.htm)

EX-99.2 (q126investorpresentation.htm)

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8-K

8-K (Primary)

Filename: cubi-20260423.htm · Sequence: 1

cubi-20260423

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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

(Exact name of registrant as specified in its charter)

Customers Bancorp, Inc.

Pennsylvania 001-35542 27-2290659

(State or other jurisdiction of

incorporation or organization) (Commission File number) (IRS Employer

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:

Title of Each Class Trading Symbols Name of Each Exchange on which Registered

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.         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         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.        Financial Statements and Exhibits

(d) Exhibits.

Exhibit Description

Exhibit 99.1

Press Release dated April 23, 2026

Exhibit 99.2

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: /s/ Mark R. McCollom

Name: Mark R. McCollom

Title: Executive Vice President - Chief Financial Officer

Date: April 23, 2026

EXHIBIT INDEX

Exhibit No. Description

99.1

Press Release dated April 23, 2026

99.2

Slide presentation dated April 2026

EX-99.1

EX-99.1

Filename: q126pressrelease.htm · Sequence: 2

Document

Exhibit 99.1

Customers Bancorp, Inc. (NYSE:CUBI)

701 Reading Avenue

West Reading, PA 19611

Contacts:

Laura Vele, Chief Marketing Officer 646-315-2017

Customers Bancorp Reports Results for First Quarter 2026

First Quarter 2026 Highlights

•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%.

•Q1 2026 core earnings*1 were $69.4 million, or $1.97 per diluted share; Core ROAA* was 1.13% and Core ROCE* was 13.12%.

•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.

•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.

•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.

•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.

1 Excludes pre-tax gains on investment securities of $0.3 million.

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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.

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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 billion1, 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.

1 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.

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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.

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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.

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Webcast

Date:            Friday, April 24, 2026

Time:            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:

•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)

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

•Net Promoter Score of 81 compared to industry average of 41

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

“Safe Harbor” Statement

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

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

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CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

FINANCIAL HIGHLIGHTS - UNAUDITED

(Dollars in thousands, except per share data)

Q1 Q4 Q3 Q2 Q1

2026 2025 2025 2025 2025

GAAP Profitability Metrics:

Net income available to common shareholders

$ 69,653  $ 70,088  $ 73,726  $ 55,846  $ 9,523

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 (1):

Core earnings $ 69,445  $ 72,851  $ 73,473  $ 58,147  $ 50,002

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

$ 25,880,767  $ 24,895,868  $ 24,260,163  $ 22,550,800  $ 22,423,044

Total cash and investment securities

$ 7,454,901  $ 7,078,243  $ 6,997,783  $ 6,234,043  $ 6,424,406

Total loans and leases

$ 17,391,546  $ 16,782,516  $ 16,303,147  $ 15,412,400  $ 15,097,968

Non-interest bearing demand deposits

$ 6,739,713  $ 6,303,748  $ 6,380,879  $ 5,481,065  $ 5,552,605

Total deposits

$ 21,592,645  $ 20,778,704  $ 20,405,023  $ 18,976,018  $ 18,932,925

Asset Quality:

Net charge-offs $ 13,255  $ 13,749  $ 15,371  $ 13,115  $ 17,144

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”)

$ 47,818  $ 43,688  $ 28,421  $ 28,443  $ 43,513

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”)

$ 74,737  $ 72,344  $ 61,057  $ 60,778  $ 57,960

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 (1)

8.3  % 8.5  % 8.4  % 7.9  % 7.7  %

Common equity Tier 1 capital ratio (2)

12.8  % 12.99  % 13.00  % 12.05  % 11.72  %

Total risk based capital ratio (2)

14.8  % 15.39  % 15.35  % 14.49  % 14.61  %

Customers Bank Capital Ratios (2):

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 34,080,834  34,170,777  32,340,813  31,585,390  31,447,623

Average shares outstanding - diluted 35,313,835  35,396,324  33,460,055  32,374,061  32,490,572

Shares outstanding

33,692,632  34,191,223  34,163,506  31,606,934  31,479,132

(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.

8

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED

(Dollars in thousands, except per share data)

Q1 Q4 Q3 Q2 Q1

2026 2025 2025 2025 2025

Interest income:

Loans and leases $ 258,734  $ 274,752  $ 272,131  $ 246,869  $ 231,008

Investment securities 32,141  31,979  36,091  37,381  34,339

Interest earning deposits 41,830  44,862  49,639  39,972  42,914

Loans held for sale 1,235  1,432  1,589  1,806  4,761

Other 2,372  2,173  2,029  1,973  1,887

Total interest income 336,312  355,198  361,479  328,001  314,909

Interest expense:

Deposits 126,126  131,797  141,983  134,045  131,308

FHLB advances 12,935  14,490  12,945  12,717  11,801

Subordinated debt 4,621  3,355  3,251  3,229  3,212

Federal funds purchased 13  —  —  —  —

Other borrowings 1,266  1,128  1,388  1,307  1,142

Total interest expense 144,961  150,770  159,567  151,298  147,463

Net interest income 191,351  204,428  201,912  176,703  167,446

Provision for credit losses 23,372  22,337  26,543  20,781  28,297

Net interest income after provision for credit losses 167,979  182,091  175,369  155,922  139,149

Non-interest income:

Commercial lease income 15,418  14,186  11,536  11,056  10,668

Loan fees 10,506  7,420  11,443  9,106  7,235

Bank-owned life insurance 3,084  2,189  2,165  2,249  4,660

Mortgage finance transactional fees 1,306  1,339  1,298  1,175  933

Net gain (loss) on sale of loans and leases 1,044  (62) —  —  2

Net gain (loss) on sale of investment securities 355  (27) 186  (1,797) —

Impairment loss on debt securities —  —  —  —  (51,319)

Other 2,603  7,471  3,563  7,817  3,331

Total non-interest income (loss) 34,316  32,516  30,191  29,606  (24,490)

Non-interest expense:

Salaries and employee benefits 51,294  51,744  48,723  45,848  42,674

Technology, communication and bank operations 11,643  11,388  10,415  10,382  11,312

Commercial lease depreciation 12,692  11,668  9,463  8,743  8,463

Professional services 11,695  12,390  12,281  13,850  11,857

Loan servicing 3,859  4,050  4,167  4,053  4,630

Occupancy 3,956  4,291  4,370  3,551  3,412

FDIC assessments, non-income taxes and regulatory fees 8,215  9,023  8,505  11,906  11,750

Advertising and promotion 554  812  636  461  528

Other 8,080  11,943  6,657  7,832  8,145

Total non-interest expense 111,988  117,309  105,217  106,626  102,771

Income before income tax expense (benefit) 90,307  97,298  100,343  78,902  11,888

Income tax expense (benefit) 20,654  22,806  24,598  17,963  (1,024)

Net income 69,653  74,492  75,745  60,939  12,912

Preferred stock dividends —  1,605  2,019  3,185  3,389

Loss on redemption of preferred stock —  2,799  —  1,908  —

Net income available to common shareholders $ 69,653  $ 70,088  $ 73,726  $ 55,846  $ 9,523

Basic earnings per common share $ 2.04  $ 2.05  $ 2.28  $ 1.77  $ 0.30

Diluted earnings per common share 1.97  1.98  2.20  1.73  0.29

9

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEET - UNAUDITED

(Dollars in thousands)

March 31, December 31, September 30, June 30, March 31,

2026 2025 2025 2025 2025

ASSETS

Cash and due from banks $ 89,153  $ 62,051  $ 57,951  $ 72,986  $ 62,146

Interest earning deposits 4,709,051  4,349,412  4,127,688  3,430,525  3,366,544

Cash and cash equivalents 4,798,204  4,411,463  4,185,639  3,503,511  3,428,690

Investment securities, at fair value 1,993,152  1,937,646  2,010,820  1,877,406  2,057,555

Investment securities held to maturity 663,545  729,134  801,324  853,126  938,161

Loans held for sale 20,282  26,102  30,897  32,963  37,529

Loans and leases receivable 15,519,493  15,041,340  14,673,636  13,719,829  13,555,820

Loans receivable, mortgage finance, at fair value 1,758,685  1,612,997  1,486,978  1,536,254  1,366,460

Loans receivable, installment, at fair value 93,086  102,077  111,636  123,354  138,159

Allowance for credit losses on loans and leases (160,962) (155,656) (151,809) (147,418) (141,076)

Total loans and leases receivable, net of allowance for credit losses on loans and leases 17,210,302  16,600,758  16,120,441  15,232,019  14,919,363

FHLB, Federal Reserve Bank, and other restricted stock 117,880  110,411  103,290  100,590  96,758

Accrued interest receivable 105,002  103,626  106,379  101,481  105,800

Bank premises and equipment, net 15,749  16,745  15,340  5,978  6,653

Bank-owned life insurance 306,927  305,503  303,212  300,747  298,551

Other real estate owned 12,506  12,432  12,432  12,306  —

Goodwill and other intangibles 3,629  3,629  3,629  3,629  3,629

Other assets 633,589  638,419  566,760  527,044  530,355

Total assets $ 25,880,767  $ 24,895,868  $ 24,260,163  $ 22,550,800  $ 22,423,044

LIABILITIES AND SHAREHOLDERS’ EQUITY

Demand, non-interest bearing deposits $ 6,739,713  $ 6,303,748  $ 6,380,879  $ 5,481,065  $ 5,552,605

Interest bearing deposits 14,852,932  14,474,956  14,024,144  13,494,953  13,380,320

Total deposits 21,592,645  20,778,704  20,405,023  18,976,018  18,932,925

Federal funds purchased 70,000  —  —  —  —

FHLB advances 1,561,655  1,325,068  1,195,437  1,195,377  1,133,456

Other borrowings 99,243  99,208  99,173  99,138  99,103

Subordinated debt 171,614  281,147  182,718  182,649  182,579

Accrued interest payable and other liabilities 241,310  296,224  251,753  234,060  210,421

Total liabilities 23,736,467  22,780,351  22,134,104  20,687,242  20,558,484

Preferred stock —  —  82,201  82,201  137,794

Common stock 36,312  36,189  36,161  36,123  35,995

Additional paid in capital 669,112  666,756  662,252  572,473  570,172

Retained earnings 1,604,847  1,535,194  1,465,106  1,391,380  1,335,534

Accumulated other comprehensive income (loss), net (54,657) (54,050) (51,089) (71,325) (67,641)

Treasury stock, at cost (111,314) (68,572) (68,572) (147,294) (147,294)

Total shareholders’ equity 2,144,300  2,115,517  2,126,059  1,863,558  1,864,560

Total liabilities and shareholders’ equity $ 25,880,767  $ 24,895,868  $ 24,260,163  $ 22,550,800  $ 22,423,044

10

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED

(Dollars in thousands)

Three Months Ended

March 31, 2026 December 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 $ 4,492,897  $ 41,830  3.78% $ 4,421,242  $ 44,862  4.03% $ 3,857,617  $ 42,914  4.51%

Investment securities (1)

2,735,786  32,141  4.70% 2,849,764  31,979  4.45% 3,100,429  34,339  4.49%

Loans and leases:

Commercial & industrial:

Specialized lending loans and leases (2)

7,863,238  132,861  6.85% 7,775,247  139,552  7.12% 6,474,034  120,951  7.58%

Other commercial & industrial loans (2)

1,450,962  24,202  6.76% 1,477,351  32,320  8.68% 1,542,846  23,933  6.29%

Mortgage finance loans 1,513,914  16,250  4.35% 1,536,265  17,862  4.61% 1,252,602  14,752  4.78%

Multifamily loans 2,494,849  28,249  4.59% 2,445,945  27,990  4.54% 2,273,893  23,664  4.22%

Non-owner occupied commercial real estate loans 1,907,541  27,711  5.89% 1,784,838  26,635  5.92% 1,550,372  21,564  5.64%

Residential mortgages 524,282  6,240  4.77% 541,091  6,392  4.69% 530,613  6,228  4.76%

Installment loans 912,090  24,456  10.87% 945,697  25,433  10.67% 938,193  24,677  10.67%

Total loans and leases (3)

16,666,876  259,969  6.32% 16,506,434  276,184  6.64% 14,562,553  235,769  6.57%

Other interest-earning assets 156,894  2,372  6.13% 153,480  2,173  5.62% 127,793  1,887  5.99%

Total interest-earning assets 24,052,453  336,312  5.66% 23,930,920  355,198  5.89% 21,648,392  314,909  5.89%

Non-interest-earning assets 868,524  790,453  666,571

Total assets $ 24,920,977  $ 24,721,373  $ 22,314,963

Liabilities

Interest checking accounts $ 4,993,616  $ 40,023  3.25% $ 4,889,245  $ 42,168  3.42% $ 5,358,206  $ 49,903  3.78%

Money market deposit accounts 4,364,149  36,640  3.40% 4,421,276  40,387  3.62% 3,882,855  37,767  3.94%

Other savings accounts 1,579,730  13,580  3.49% 1,562,768  14,384  3.65% 1,151,439  10,691  3.77%

Certificates of deposit 3,456,664  35,883  4.21% 3,152,637  34,858  4.39% 2,749,720  32,947  4.86%

Total interest-bearing deposits (4)

14,394,159  126,126  3.55% 14,025,926  131,797  3.73% 13,142,220  131,308  4.05%

Federal funds purchased 1,367  13  3.73% —  —  —% —  —  —%

Borrowings 1,712,498  18,822  4.46% 1,666,006  18,973  4.52% 1,346,941  16,155  4.86%

Total interest-bearing liabilities 16,108,024  144,961  3.65% 15,691,932  150,770  3.81% 14,489,161  147,463  4.13%

Non-interest-bearing deposits (4)

6,393,947  6,599,095  5,710,644

Total deposits and borrowings 22,501,971  2.61% 22,291,027  2.68% 20,199,805  2.96%

Other non-interest-bearing liabilities 272,488  269,824  246,455

Total liabilities 22,774,459  22,560,851  20,446,260

Shareholders’ equity 2,146,518  2,160,522  1,868,703

Total liabilities and shareholders’ equity $ 24,920,977  $ 24,721,373  $ 22,314,963

Net interest income 191,351  204,428  167,446

Tax-equivalent adjustment 257  348  363

Net interest earnings $ 191,608  $ 204,776  $ 167,809

Interest spread 3.05% 3.21% 2.93%

Net interest margin 3.22% 3.39% 3.13%

Net interest margin tax equivalent (5)

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.

(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.

(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.

11

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

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:

Commercial & industrial:

Specialized lending $ 7,398,205  $ 7,090,087  $ 7,083,620  $ 6,454,661  $ 6,070,093

Other commercial & industrial

1,003,750  1,033,704  1,056,173  1,037,684  1,062,933

Mortgage finance

1,831,408  1,700,380  1,577,038  1,625,764  1,477,896

Multifamily 2,510,697  2,490,336  2,356,590  2,247,282  2,322,123

Commercial real estate owner occupied 1,279,501  1,135,119  1,058,741  1,065,006  1,139,126

Commercial real estate non-owner occupied 1,742,989  1,738,821  1,582,332  1,497,385  1,438,906

Construction 204,999  162,966  123,290  98,626  154,647

Total commercial loans and leases 15,971,549  15,351,413  14,837,784  14,026,408  13,665,724

Consumer:

Residential 495,458  497,567  514,544  520,570  496,772

Manufactured housing 26,065  27,452  28,749  30,287  31,775

Installment:

Personal 599,302  581,340  570,768  457,728  493,276

Other 278,890  298,642  320,405  344,444  372,892

Total installment loans 878,192  879,982  891,173  802,172  866,168

Total consumer loans 1,399,715  1,405,001  1,434,466  1,353,029  1,394,715

Total loans and leases held for investment $ 17,371,264  $ 16,756,414  $ 16,272,250  $ 15,379,437  $ 15,060,439

Loans held for sale

Commercial:

Commercial real estate non-owner occupied $ —  $ —  $ 4,700  $ —  $ —

Total commercial loans and leases —  —  4,700  —  —

Consumer:

Residential 1,767  1,851  2,229  5,180  1,465

Installment:

Personal 17,056  23,357  23,728  27,682  36,000

Other 1,459  894  240  101  64

Total installment loans 18,515  24,251  23,968  27,783  36,064

Total consumer loans 20,282  26,102  26,197  32,963  37,529

Total loans held for sale $ 20,282  $ 26,102  $ 30,897  $ 32,963  $ 37,529

Total loans and leases portfolio $ 17,391,546  $ 16,782,516  $ 16,303,147  $ 15,412,400  $ 15,097,968

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

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 $ 6,739,713  $ 6,303,748  $ 6,380,879  $ 5,481,065  $ 5,552,605

Demand, interest bearing 5,085,040  5,049,151  5,050,437  4,912,839  5,137,961

Total demand deposits 11,824,753  11,352,899  11,431,316  10,393,904  10,690,566

Savings 1,742,652  1,731,010  1,554,533  1,375,072  1,327,854

Money market 4,604,981  4,398,827  4,339,371  4,206,516  4,057,458

Time deposits 3,420,259  3,295,968  3,079,803  3,000,526  2,857,047

Total deposits $ 21,592,645  $ 20,778,704  $ 20,405,023  $ 18,976,018  $ 18,932,925

12

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

ASSET QUALITY - UNAUDITED

(Dollars in thousands)

As of March 31, 2026 As of December 31, 2025 As of March 31, 2025

Loan type 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:

Commercial & industrial, including specialized lending

$ 8,474,678  $ 41,214  0.49  % $ 8,211,174  $ 37,683  0.46  % $ 7,244,462  $ 30,584  0.42  %

Multifamily 2,510,697  19,441  0.77  % 2,490,336  19,333  0.78  % 2,322,123  18,790  0.81  %

Commercial real estate owner occupied 1,279,501  10,556  0.83  % 1,135,119  10,431  0.92  % 1,139,126  10,780  0.95  %

Commercial real estate non-owner occupied 1,742,989  18,470  1.06  % 1,738,821  18,928  1.09  % 1,438,906  18,058  1.25  %

Construction 204,999  2,672  1.30  % 162,966  2,225  1.37  % 154,647  1,264  0.82  %

Total commercial loans and leases receivable 14,212,864  92,353  0.65  % 13,738,416  88,600  0.64  % 12,299,264  79,476  0.65  %

Consumer:

Residential 495,458  5,713  1.15  % 497,567  6,499  1.31  % 496,772  6,163  1.24  %

Manufactured housing 26,065  3,338  12.81  % 27,452  3,391  12.35  % 31,775  3,800  11.96  %

Installment 785,106  59,558  7.59  % 777,905  57,166  7.35  % 728,009  51,637  7.09  %

Total consumer loans receivable 1,306,629  68,609  5.25  % 1,302,924  67,056  5.15  % 1,256,556  61,600  4.90  %

Loans and leases receivable held for investment

15,519,493  160,962  1.04  % 15,041,340  155,656  1.03  % 13,555,820  141,076  1.04  %

Loans receivable, mortgage finance, at fair value 1,758,685  —  —  % 1,612,997  —  —  % 1,366,460  —  —  %

Loans receivable, installment, at fair value 93,086  —  —  % 102,077  —  —  % 138,159  —  —  %

Loans held for sale 20,282  —  —  % 26,102  —  —  % 37,529  —  —  %

Total loans and leases portfolio $ 17,391,546  $ 160,962  0.93  % $ 16,782,516  $ 155,656  0.93  % $ 15,097,968  $ 141,076  0.93  %

13

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

ASSET QUALITY - UNAUDITED (CONTINUED)

(Dollars in thousands)

As of March 31, 2026 As of December 31, 2025 As of March 31, 2025

Loan type 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:

Commercial & industrial, including specialized lending

$ 18,588  0.22  % 221.72  % $ 19,790  0.24  % 190.41  % $ 18,754  0.26  % 163.08  %

Multifamily 9,090  0.36  % 213.87  % 2,092  0.08  % 924.14  % —  —  % —  %

Commercial real estate owner occupied 5,740  0.45  % 183.90  % 3,876  0.34  % 269.12  % 7,793  0.68  % 138.33  %

Commercial real estate non-owner occupied 135  0.01  % 13681.48  % 168  0.01  % 11266.67  % 62  —  % 29125.81  %

Construction —  —  % —  % —  —  % —  % —  —  % —  %

Total commercial loans and leases receivable 33,553  0.24  % 275.25  % 25,926  0.19  % 341.74  % 26,609  0.22  % 298.68  %

Consumer:

Residential 7,509  1.52  % 76.08  % 9,671  1.94  % 67.20  % 8,151  1.64  % 75.61  %

Manufactured housing 1,143  4.39  % 292.04  % 1,192  4.34  % 284.48  % 1,653  5.20  % 229.89  %

Installment 3,736  0.48  % 1594.16  % 4,483  0.58  % 1275.17  % 4,659  0.64  % 1108.33  %

Total consumer loans receivable 12,388  0.95  % 553.83  % 15,346  1.18  % 436.96  % 14,463  1.15  % 425.91  %

Loans and leases receivable 45,941  0.30  % 350.37  % 41,272  0.27  % 377.15  % 41,072  0.30  % 343.48  %

Loans receivable, mortgage finance, at fair value —  —  % —  % —  —  % —  % —  —  % —  %

Loans receivable, installment, at fair value 1,626  1.75  % —  % 2,137  2.09  % —  % 2,059  1.49  % —  %

Loans held for sale 251  1.24  % —  % 279  1.07  % —  % 382  1.02  % —  %

Total loans and leases portfolio $ 47,818  0.27  % 336.61  % $ 43,688  0.26  % 356.29  % $ 43,513  0.29  % 324.22  %

14

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED

(Dollars in thousands)

Q1 Q4 Q3 Q2 Q1

2026

2025

2025

2025

2025

Loan type

Commercial & industrial, including specialized lending $ 2,576  $ 1,620  $ 2,180  $ 3,871  $ 3,231

Multifamily 2,630  4,612  —  —  3,834

Commercial real estate owner occupied (5) (40) 335  411  16

Commercial real estate non-owner occupied —  (225) 3,073  —  —

Construction —  —  —  (3) (3)

Residential —  16  25  (4) —

Installment 8,054  7,766  9,758  8,840  10,066

Total net charge-offs (recoveries) from loans held for investment $ 13,255  $ 13,749  $ 15,371  $ 13,115  $ 17,144

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

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 (1) risk ratings:

Commercial loans and leases

Pass $ 13,803,943  $ 13,316,507  $ 12,927,467  $ 12,047,656  $ 11,815,403

Special Mention

159,714  216,462  187,794  174,587  189,155

Substandard

245,028  200,779  230,079  256,849  276,018

Total commercial loans and leases 14,208,685  13,733,748  13,345,340  12,479,092  12,280,576

Consumer loans

Performing 1,294,311  1,287,408  1,308,987  1,209,377  1,242,753

Non-performing 12,318  15,516  13,843  20,298  13,803

Total consumer loans 1,306,629  1,302,924  1,322,830  1,229,675  1,256,556

Loans and leases receivable (1)

$ 15,515,314  $ 15,036,672  $ 14,668,170  $ 13,708,767  $ 13,537,132

(1)    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.

15

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.

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

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):

Impairment loss on debt securities —  —  —  —  39,875

(Gains) losses on investment securities (208) (36) (253) 1,388  (124)

Derivative credit valuation adjustment —  —  —  —  210

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  %

16

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 $ 69,653  $ 70,088  $ 73,726  $ 55,846  $ 9,523

Reconciling items (after tax):

Impairment loss on debt securities —  —  —  —  39,875

(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  %

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  %

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

17

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

$ 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  %

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

$ 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

18

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EX-99.2

Filename: q126investorpresentation.htm · Sequence: 3

q126investorpresentation

1 Q1’26 1 April 2026 Investor Presentation

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

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

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

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

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

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

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

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)

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

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%

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

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

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.

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%

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

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%

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

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

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%

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

22 Appendix

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

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%

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 %

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

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

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

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 %

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 %

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 %

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 %

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 %

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

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

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v3.26.1

Document and Entity Information

Apr. 23, 2026

Entity Information [Line Items]

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Entity Incorporation, State or Country Code

PA

Document Type

8-K

Document Period End Date

Apr. 23, 2026

Entity Registrant Name

Customers Bancorp, Inc.

Entity File Number

001-35542

Entity Tax Identification Number

27-2290659

Entity Address, Address Line One

701 Reading Avenue

Entity Address, City or Town

West Reading

Entity Address, State or Province

PA

Entity Address, Postal Zip Code

19611

City Area Code

610

Local Phone Number

933-2000

Written Communications

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Voting Common Stock, par value $1.00 per share | New York Stock Exchange

Entity Information [Line Items]

Title of 12(b) Security

Voting Common Stock, par value $1.00 per share

Trading Symbol

CUBI

Security Exchange Name

NYSE

Subordinated Debt [Member] | New York Stock Exchange

Entity Information [Line Items]

Title of 12(b) Security

5.375% Subordinated Notes due 2034

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CUBB

Security Exchange Name

NYSE

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