Form 8-K

8-K — Customers Bancorp, Inc.

Accession: 0001488813-26-000082

Filed: 2026-07-23

Period: 2026-07-23

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-20260723.htm (Primary)

EX-99.1 (q226pressrelease.htm)

EX-99.2 (q226investorpresentation.htm)

GRAPHIC (cubi-20260723_g1.jpg)

GRAPHIC (customersbancorp_logoxprim.jpg)

GRAPHIC (q226investorpresentation001.jpg)

GRAPHIC (q226investorpresentation002.jpg)

GRAPHIC (q226investorpresentation003.jpg)

GRAPHIC (q226investorpresentation004.jpg)

GRAPHIC (q226investorpresentation005.jpg)

GRAPHIC (q226investorpresentation006.jpg)

GRAPHIC (q226investorpresentation007.jpg)

GRAPHIC (q226investorpresentation008.jpg)

GRAPHIC (q226investorpresentation009.jpg)

GRAPHIC (q226investorpresentation010.jpg)

GRAPHIC (q226investorpresentation011.jpg)

GRAPHIC (q226investorpresentation012.jpg)

GRAPHIC (q226investorpresentation013.jpg)

GRAPHIC (q226investorpresentation014.jpg)

GRAPHIC (q226investorpresentation015.jpg)

GRAPHIC (q226investorpresentation016.jpg)

GRAPHIC (q226investorpresentation017.jpg)

GRAPHIC (q226investorpresentation018.jpg)

GRAPHIC (q226investorpresentation019.jpg)

GRAPHIC (q226investorpresentation020.jpg)

GRAPHIC (q226investorpresentation021.jpg)

GRAPHIC (q226investorpresentation022.jpg)

GRAPHIC (q226investorpresentation023.jpg)

GRAPHIC (q226investorpresentation024.jpg)

GRAPHIC (q226investorpresentation025.jpg)

GRAPHIC (q226investorpresentation026.jpg)

GRAPHIC (q226investorpresentation027.jpg)

GRAPHIC (q226investorpresentation028.jpg)

GRAPHIC (q226investorpresentation029.jpg)

GRAPHIC (q226investorpresentation030.jpg)

GRAPHIC (q226investorpresentation031.jpg)

GRAPHIC (q226investorpresentation032.jpg)

GRAPHIC (q226investorpresentation033.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: cubi-20260723.htm · Sequence: 1

cubi-20260723

false000148881300014888132026-07-232026-07-230001488813exch:XNYSus-gaap:CommonStockMember2026-07-232026-07-230001488813exch:XNYSus-gaap:SubordinatedDebtMember2026-07-232026-07-23

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): July 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 July 23, 2026, Customers Bancorp, Inc. (the "Company") issued a press release announcing unaudited financial information for the quarter ended June 30, 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 July 23, 2026

Exhibit 99.2

Slide presentation dated July 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: July 23, 2026

EXHIBIT INDEX

Exhibit No. Description

99.1

Press Release dated July 23, 2026

99.2

Slide presentation dated July 2026

EX-99.1

Filename: q226pressrelease.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 Second Quarter 2026

Second Quarter 2026 Highlights

•Q2 2026 net income available to common shareholders was $71.6 million, or $2.05 per diluted share; ROAA was 1.13% and ROCE was 13.22%.

•Q2 2026 core earnings*1 were $71.5 million, or $2.05 per diluted share; Core ROAA* was 1.13% and Core ROCE* was 13.20%.

•Total deposits increased $140.3 million, or 0.6% in Q2 2026 from Q1 2026, and $2.8 billion, or 14.5% from Q2 2025 to a period end record level of $21.7 billion.

•Total loans increased $623.8 million, or 3.6%, in Q2 2026 from Q1 2026, and $2.6 billion, or 16.9% from Q2 2025 to a period end record level of $18.0 billion.

•Non-interest bearing deposits increased $174.1 million in Q2 2026 compared to Q1 2026 to a period end record level of $6.9 billion, or 31.8% of total deposits.

•Q2 2026 efficiency ratio was 50.55% compared to Q2 2025 efficiency ratio of 51.23%, a decline of 68 basis points and Q2 2026 core efficiency ratio* was 50.55% compared to Q2 2025 core efficiency ratio* of 51.56%, a decline of 101 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 $0.1 million.

CEO Commentary

West Reading, Pa, July 23, 2026 - “I am pleased to share our second quarter 2026 results that show the company’s continued execution of its strategic priorities and underscore our success in growing franchise value.” said Customers Bancorp CEO Sam Sidhu.

“Artificial intelligence (“AI”) and automation continued to drive measurable transformative progress across the organization in the second quarter, with tangible results across productivity, revenue, and risk management. On the productivity front, we completed a pilot of our new AI-powered loan closing process, which included successfully closing selected commercial loans in seven days, down from 30 to 60 days typically, achieving this milestone one to two quarters ahead of schedule. We also saw positive revenue impact, with select verticals delivering over 100% improvement in prospecting success rates as AI enhanced our ability to identify and pursue the highest-quality opportunities. Finally, on risk management, we piloted AI-powered KYC screening and OFAC false-positive clearing, strengthening the consistency and defensibility of our compliance processes while freeing up capacity for higher-value work. Together, these results reflect the tangible, organization-wide progress we are making as we continue to scale AI across the bank.

Our cubiX payments platform also continued to scale, with cumulative network transaction volume surpassing $5 trillion in the quarter. We saw particularly strong momentum in our real estate vertical, which added $300 million in deposit balances in the quarter and has a nine figure pipeline per quarter through year end.

We continued to strategically and organically grow our loan and deposit portfolios with momentum throughout the organization. Total loans and leases grew by 3.6% in Q2 2026 compared to Q1 2026, 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 0.6% in Q2 2026 compared to Q1 2026, and we delivered about $375 million of non-interest bearing deposit growth in Q2 2026 outside of our digital asset channel clients. Year to date our new commercial banking teams hired since Q2 2023 added approximately $570 million in deposits with 65% of the growth from non-interest bearing deposits. The growth continued to be granular as we had an increase of approximately 1,250 commercial accounts on a net basis, or a 5% increase in a single quarter, and the 2025 teams alone added 475 accounts in the quarter.

Our Q2 2026 GAAP earnings were $71.6 million, or $2.05 per diluted share, and core earnings* were $71.5 million, or $2.05 per diluted share. Asset quality remains strong with our NPA ratio at just 0.32% of total assets and reserve levels are robust at 293% of total non-performing loans at the end of Q2 2026. Our TCE / TA ratio* increased by 40 basis points from June 30, 2025 to 8.3% at June 30, 2026, while our balance sheet grew by 2.5% and we repurchased 92,804 shares of common stock at a weighted average price of $73.03 in the quarter.

In Q2 2026, we once again delivered exceptionally strong growth across key metrics of revenue, core earnings*, and book value per share of 10%, 14%*, and 16%, respectively, when compared to Q2 2025” Sam Sidhu concluded.

Key Balance Sheet Trends

Loans and Leases Held for Investment

Loans and leases held for investment were a period end record $18.0 billion at June 30, 2026, up $585 million, or 3.4%, from March 31, 2026. C&I specialized lending increased by $253 million, or 3.4% quarter-over-quarter to $7.7 billion. Non-owner occupied commercial real estate loans increased by $145 million, or 8.3%, to $1.9 billion. Multifamily loans increased by $113 million, or 4.5%, to $2.6 billion. Other C&I loans increased by $100 million, or 10.0% to $1.1 billion. These increases were partially offset by a decrease in mortgage finance loans of $101 million, or 5.5% to $1.7 billion.

Loans and leases held for investment of $18.0 billion at June 30, 2026 were up $2.6 billion, or 16.8%, year-over-year. C&I specialized lending increased by $1.2 billion, or 18.5%, year-over-year. Non-owner occupied commercial real estate loans increased by $391 million, or 26.1%. Multifamily loans increased by $377 million, or 16.8%. Owner-occupied commercial real estate loans increased by $206 million, or 19.3%. Consumer installment loans increased by $138 million, or 17.1%. Construction loans increased by $118 million, or 119.9%. Mortgage finance loans increased by $104 million, or 6.4%.

Investment Securities

At June 30, 2026, total investment securities were $3.3 billion, an increase of $602 million compared to March 31, 2026 and an increase of $528 million compared to a year ago, driven primarily from purchases of agency MBS and CMO.

At June 30, 2026, the Available-For-Sale (“AFS”) debt securities portfolio had a spot yield of 5.14%, an effective duration of approximately 2.5 years, and approximately 35% are variable rate. Additionally, approximately 79% of the AFS securities portfolio was AAA rated at June 30, 2026.

At June 30, 2026, the Held-To-Maturity (“HTM”) debt securities portfolio represented only 2.4% of total assets, had a spot yield of 3.18% and an effective duration of approximately 4.2 years. Additionally, at June 30, 2026, approximately 70% 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 $140 million, or 0.6% to a period end record $21.7 billion at June 30, 2026 as compared to the prior quarter. The total average cost of deposits increased by 4 basis points to 2.50% in Q2 2026 from 2.46% in the prior quarter. Total estimated uninsured deposits were $7.6 billion1, or 35% of total deposits at June 30, 2026 with immediately available liquidity covering approximately 146% of these deposits.

Total deposits increased $2.8 billion, or 14.5% to $21.7 billion at June 30, 2026 as compared to a year ago. The total average cost of deposits decreased by 35 basis points to 2.50% in Q2 2026 from 2.85% in Q2 2025.

Borrowings

Total borrowings increased $428 million, or 22.5% to $2.3 billion at June 30, 2026 as compared to the prior quarter. This increase primarily resulted from net draws of $500 million in FHLB advances, partially offset by repayment of $70 million in federal funds purchased. Total borrowings increased $853 million, or 57.7%, to $2.3 billion at June 30, 2026 as compared to a year ago primarily due to net draws of $870 million in FHLB advances.

1 Uninsured deposits (estimate) of $9.7 billion to be reported on the Bank’s call report, less deposits of $1.7 billion collateralized by standby letters of credit from the FHLB and from our affiliates of $313 million.

Capital

Customers Bancorp’s common equity increased $61 million to $2.2 billion, and tangible common equity* increased $61 million to $2.2 billion, at June 30, 2026 compared to the prior quarter, respectively, primarily from earnings of $72 million, offset in part by $7 million of common share repurchase and an increase in AOCI of $4 million (net of taxes), mostly from increased unrealized losses on swaps designated as cash flow hedges. Customers Bancorp’s common equity increased $424 million to $2.2 billion, and tangible common equity* increased $424 million to $2.2 billion, at June 30, 2026 compared to a year ago, respectively, primarily from earnings of $291 million and the issuance of $163 million of common stock in September 2025, offset in part by $49 million of common share repurchases. Book value per common share increased to $65.31 from $63.64 and $56.36, and tangible book value per common share* increased to $65.20 from $63.54 and $56.24, at June 30, 2026 from March 31, 2026 and June 30, 2025, respectively.

Credit Quality

The provision for credit losses in Q2 2026 was $23 million, compared to $23 million in Q1 2026 and $21 million in Q2 2025.

Net charge-offs were $15 million in Q2 2026, compared to $13 million in Q1 2026 and Q2 2025.

The allowance for credit losses on loans and leases was $164 million at June 30, 2026, compared to $161 million at March 31, 2026 and $147 million at June 30, 2025.

Non-performing loans at June 30, 2026 increased to 0.31% of total loans and leases, compared to 0.27% at March 31, 2026 and 0.18% at June 30, 2025. Nonperforming loans include the guaranteed portion of SBA loans. As of June 30, 2026, nonperforming loans totaled $56 million, of which approximately $12 million represents the government-guaranteed portion. Excluding the government-guaranteed portion, nonperforming loans totaled approximately $44 million, representing 0.24% of total loans and leases.

Key Profitability Trends

Net Interest Income

Net interest income totaled $193.4 million in Q2 2026, an increase of $2.0 million from Q1 2026. This increase was driven by an increase in interest income mainly from C&I specialized lending, partially offset by an increase in interest expense primarily due to a shift in deposit mix and net draws of FHLB advances.

“Net interest income increased 9% year-over-year in the second quarter of 2026. As we previously communicated, we expect the second quarter to represent the trough in our net interest margin, with a rebound to roughly Q1 2026 levels in Q3 2026 and additional expansion in Q4 2026. This trajectory is driven by expected continued low-cost deposit gathering and robust loan growth,” stated Customers Bancorp CFO Mark McCollom.

Net interest income totaled $193.4 million in Q2 2026, an increase of $16.7 million from Q2 2025. This increase was primarily due to higher interest income mainly from C&I specialized lending.

Non-Interest Income

Reported non-interest income totaled $34.0 million for Q2 2026, a decrease of $0.3 million compared to $34.3 million for Q1 2026. The slight decrease was primarily due to decreases of $1.8 million in loan fees mainly from lower gains on stock warrants and $0.9 million in bank-owned life insurance due to lower death benefits. These decreases were partially offset by an increase of $2.6 million in other non-interest income mainly due to a decrease in loss on equity investments and an increase in income from supplemental executive retirement plan (SERP) assets and derivatives.

Non-interest income totaled $34.0 million for Q2 2026, an increase of $4.4 million compared to Q2 2025. The increase was primarily due to increases in commercial lease income of $4.3 million and $1.1 million in net gain on sale of loans and leases mainly from the sale of SBA loans, and $1.8 million of net loss on sale of investment securities in Q2 2025, partially offset by a decrease of $2.6 million in other non-interest income primarily from $1.8 million of fees associated with the sunsetting of a loan origination program with a fintech company in Q2 2025.

Non-Interest Expense

Non-interest expenses totaled $114.9 million in Q2 2026, an increase of $2.9 million compared to Q1 2026. The increase was primarily attributable to increases of $4.7 million in salaries and employee benefits mainly due to annual merit increases, higher headcount, $1.0 million in severance expense and higher SERP liability, $1.2 million in technology, communication and bank operations mainly for software and $2.8 million in other non-interest expenses mainly for business development, non-capitalizable loan origination expenses and provision for unfunded lending-related commitments, partially offset by decreases of $3.6 million in FDIC assessments, non-income taxes and regulatory fees and $1.7 million in professional fees.

“In Q2 2026, we had $1.0 million of severance expense and even with this impact, we continued to demonstrate strong expense discipline while investing in our future. We successfully achieved our upsized operational excellence goal of $30 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 13% and core expense* growth of only 8% in the six months ended June 30, 2026 compared to 2025. This drove an approximately 200 basis point decline in our core efficiency ratio* over that same time period,” stated Mark McCollom.

Non-interest expenses totaled $114.9 million in Q2 2026, an increase of $8.3 million compared to Q2 2025. The increase was primarily attributable to increases of $10.2 million in salaries and employee benefits and $4.0 million in commercial lease depreciation associated with the Bank’s continued growth, $2.5 million in technology, communication and bank operations mainly for software and processing fees, and $3.1 million in other non-interest expenses mainly due to business development and non-capitalizable loan origination expenses. These increases were partially offset by decreases of $7.3 million in FDIC assessments, non-income taxes and regulatory fees and $3.8 million in professional fees.

Taxes

Income tax expense was $17.9 million in Q2 2026, down from $20.7 million in Q1 2026 and slightly lower than $18.0 million in Q2 2025. The decrease reflects favorable permanent tax differences, partly offset by higher state and local income tax expense. The effective tax rate was 20% for Q2 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. We are reaffirming our full-year 2026 guidance across all metrics.

We expect to continue to execute across the company’s four top priorities for 2026. First, on AI and automation, we expect to see meaningful progress on our “top down” priorities including broad deployment of the seven day loan closing agentic tool, onboarding complex commercial deposit accounts in minutes not hours, and launching new business lines in our payment vertical. We also expect further benefits from “bottoms up” use cases as they drive increased revenue and improved productivity through team member hours saved. Second, we expect our payments capabilities to continue to expand, driven by the new industries and use cases we are serving and by strengthening relationships with existing clients through expanded product offerings. Third, we are confident in our ability 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 accomplish these initiatives while operating with a high standard of regulatory and risk management excellence and maintaining a strong capital base, liquidity, and credit quality.

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

Webcast

Date: Friday, July 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 2nd 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 approximately $27 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. 45 out of the 100 largest publicly traded banks in 2026 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

threats of terrorism and military conflicts, including the war between Russia and Ukraine and ongoing conflict in the Middle East, which could impact economic conditions in the United States; the impact that changes in the economy have on the performance of our loan and lease portfolio, the market value of our investment securities, the demand for our products and services and the availability of sources of funding; the effects of actions by the federal government, including the Board of Governors of the Federal Reserve System and other government agencies, that affect market interest rates and the money supply; actions that we and our customers take in response to these developments and the effects such actions have on our operations, products, services and customer relationships; higher inflation and its impacts; the effects of changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs on its trading partners; and the effects of any changes in accounting standards or policies. Customers Bancorp, Inc. cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are based on management’s current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers Bancorp, Inc.’s filings with the Securities and Exchange Commission, including its most recent annual report on Form 10-K for the year ended December 31, 2025, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any amendments thereto, that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. Customers Bancorp, Inc. does not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by Customers Bancorp, Inc. or by or on behalf of Customers Bank, except as may be required under applicable law.

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

FINANCIAL HIGHLIGHTS - UNAUDITED

(Dollars in thousands, except per share data)

Q2 Q1 Q4 Q3 Q2 Six Months Ended June 30,

2026 2026 2025 2025 2025 2026 2025

GAAP Profitability Metrics:

Net income available to common shareholders

$ 71,560 $ 69,653 $ 70,088 $ 73,726 $ 55,846 $ 141,213 $ 65,369

Per share amounts:

Earnings per share - diluted $ 2.05 $ 1.97 $ 1.98 $ 2.20 $ 1.73 $ 4.02 $ 2.02

Book value per common share

$ 65.31 $ 63.64 $ 61.87 $ 59.83 $ 56.36 $ 65.31 $ 56.36

Return on average assets (“ROAA”)

1.13 % 1.13 % 1.20 % 1.26 % 1.09 % 1.13 % 0.67 %

Return on average common equity (“ROCE”)

13.22 % 13.16 % 13.28 % 15.57 % 12.79 % 13.19 % 7.57 %

Net interest margin, tax equivalent 3.17 % 3.22 % 3.40 % 3.46 % 3.27 % 3.19 % 3.20 %

Efficiency ratio 50.55 % 49.68 % 49.52 % 45.39 % 51.23 % 50.12 % 52.06 %

Non-GAAP Profitability Metrics (1):

Core earnings $ 71,457 $ 69,445 $ 72,851 $ 73,473 $ 58,147 $ 140,902 $ 108,149

Per share amounts:

Core earnings per share - diluted $ 2.05 $ 1.97 $ 2.06 $ 2.20 $ 1.80 $ 4.01 $ 3.33

Tangible book value per common share

$ 65.20 $ 63.54 $ 61.77 $ 59.72 $ 56.24 $ 65.20 $ 56.24

Core ROAA 1.13 % 1.13 % 1.19 % 1.25 % 1.10 % 1.13 % 1.04 %

Core ROCE 13.20 % 13.12 % 13.81 % 15.52 % 13.32 % 13.16 % 12.53 %

Core efficiency ratio 50.55 % 49.68 % 49.52 % 45.40 % 51.56 % 50.12 % 52.11 %

Balance Sheet Trends:

Total assets

$ 26,520,789 $ 25,880,767 $ 24,895,868 $ 24,260,163 $ 22,550,800 $ 26,520,789 $ 22,550,800

Total cash and investment securities

$ 7,437,163 $ 7,454,901 $ 7,078,243 $ 6,997,783 $ 6,234,043 $ 7,437,163 $ 6,234,043

Total loans and leases

$ 18,015,300 $ 17,391,546 $ 16,782,516 $ 16,303,147 $ 15,412,400 $ 18,015,300 $ 15,412,400

Non-interest bearing demand deposits

$ 6,913,804 $ 6,739,713 $ 6,303,748 $ 6,380,879 $ 5,481,065 $ 6,913,804 $ 5,481,065

Total deposits

$ 21,732,897 $ 21,592,645 $ 20,778,704 $ 20,405,023 $ 18,976,018 $ 21,732,897 $ 18,976,018

Asset Quality:

Net charge-offs $ 14,579 $ 13,255 $ 13,749 $ 15,371 $ 13,115 $ 27,834 $ 30,259

Annualized net charge-offs to average total loans and leases 0.34 % 0.32 % 0.33 % 0.39 % 0.35 % 0.33 % 0.41 %

Nonaccrual / non-performing loans (“NPLs”)

$ 56,022 $ 47,818 $ 43,688 $ 28,421 $ 28,443 $ 56,022 $ 28,443

NPLs to total loans and leases

0.31 % 0.27 % 0.26 % 0.17 % 0.18 % 0.31 % 0.18 %

Reserves to NPLs

292.93 % 336.61 % 356.29 % 534.14 % 518.29 % 292.93 % 518.29 %

Non-performing assets (“NPAs”)

$ 85,661 $ 74,737 $ 72,344 $ 61,057 $ 60,778 $ 85,661 $ 60,778

NPAs to total assets

0.32 % 0.29 % 0.29 % 0.25 % 0.27 % 0.32 % 0.27 %

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)

(Dollars in thousands, except per share data)

Q2 Q1 Q4 Q3 Q2 Six Months Ended June 30,

2026 2026 2025 2025 2025 2026 2025

Capital Metrics:

Common equity to total assets

8.3 % 8.3 % 8.5 % 8.4 % 7.9 % 8.3 % 7.9 %

Tangible common equity to tangible assets (1)

8.3 % 8.3 % 8.5 % 8.4 % 7.9 % 8.3 % 7.9 %

Common equity Tier 1 capital ratio (2)

12.8 % 12.89 % 12.99 % 13.00 % 12.05 % 12.8 % 12.05 %

Total risk based capital ratio (2)

14.8 % 14.88 % 15.39 % 15.35 % 14.49 % 14.8 % 14.49 %

Customers Bank Capital Ratios (2):

Common equity Tier 1 capital to risk-weighted assets 13.5 % 13.78 % 13.25 % 13.22 % 13.00 % 13.5 % 13.00 %

Total capital to risk-weighted assets 14.5 % 14.77 % 14.62 % 14.60 % 14.43 % 14.5 % 14.43 %

Tier 1 capital to average assets (leverage ratio) 9.3 % 9.37 % 8.90 % 8.84 % 8.86 % 9.4 % 8.86 %

Share amounts:

Average shares outstanding - basic 33,796,369 34,080,834 34,170,777 32,340,813 31,585,390 33,937,816 31,516,887

Average shares outstanding - diluted 34,905,731 35,313,835 35,396,324 33,460,055 32,374,061 35,108,656 32,431,995

Shares outstanding

33,772,598 33,692,632 34,191,223 34,163,506 31,606,934 33,772,598 31,606,934

(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 Q2 2026 and actual for the remaining periods.

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED

(Dollars in thousands, except per share data) Six Months Ended

Q2 Q1 Q4 Q3 Q2 June 30,

2026 2026 2025 2025 2025 2026 2025

Interest income:

Loans and leases $ 268,628 $ 258,734 $ 274,752 $ 272,131 $ 246,869 $ 527,362 $ 477,877

Investment securities 34,727 32,141 31,979 36,091 37,381 66,868 71,720

Interest earning deposits 37,628 41,830 44,862 49,639 39,972 79,458 82,886

Loans held for sale 1,280 1,235 1,432 1,589 1,806 2,515 6,567

Other 2,394 2,372 2,173 2,029 1,973 4,766 3,860

Total interest income 344,657 336,312 355,198 361,479 328,001 680,969 642,910

Interest expense:

Deposits 130,296 126,126 131,797 141,983 134,045 256,422 265,353

FHLB advances 17,109 12,935 14,490 12,945 12,717 30,044 24,518

Subordinated debt 2,723 4,621 3,355 3,251 3,229 7,344 6,441

Federal funds purchased 99 13 — — — 112 —

Other borrowings 1,064 1,266 1,128 1,388 1,307 2,330 2,449

Total interest expense 151,291 144,961 150,770 159,567 151,298 296,252 298,761

Net interest income 193,366 191,351 204,428 201,912 176,703 384,717 344,149

Provision for credit losses 23,067 23,372 22,337 26,543 20,781 46,439 49,078

Net interest income after provision for credit losses 170,299 167,979 182,091 175,369 155,922 338,278 295,071

Non-interest income:

Commercial lease income 15,392 15,418 14,186 11,536 11,056 30,810 21,724

Loan fees 8,673 10,506 7,420 11,443 9,106 19,179 16,341

Bank-owned life insurance 2,213 3,084 2,189 2,165 2,249 5,297 6,909

Mortgage finance transactional fees 1,332 1,306 1,339 1,298 1,175 2,638 2,108

Net gain (loss) on sale of loans and leases 1,061 1,044 (62) — — 2,105 2

Net gain (loss) on sale of investment securities 154 355 (27) 186 (1,797) 509 (1,797)

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

Other 5,218 2,603 7,471 3,563 7,817 7,821 11,148

Total non-interest income 34,043 34,316 32,516 30,191 29,606 68,359 5,116

Non-interest expense:

Salaries and employee benefits 56,037 51,294 51,744 48,723 45,848 107,331 88,522

Technology, communication and bank operations 12,891 11,643 11,388 10,415 10,382 24,534 21,694

Commercial lease depreciation 12,761 12,692 11,668 9,463 8,743 25,453 17,206

Professional services 10,024 11,695 12,390 12,281 13,850 21,719 25,707

Loan servicing 3,710 3,859 4,050 4,167 4,053 7,569 8,683

Occupancy 3,495 3,956 4,291 4,370 3,551 7,451 6,963

FDIC assessments, non-income taxes and regulatory fees 4,585 8,215 9,023 8,505 11,906 12,800 23,656

Advertising and promotion 481 554 812 636 461 1,035 989

Other 10,907 8,080 11,943 6,657 7,832 18,987 15,977

Total non-interest expense 114,891 111,988 117,309 105,217 106,626 226,879 209,397

Income before income tax expense 89,451 90,307 97,298 100,343 78,902 179,758 90,790

Income tax expense 17,891 20,654 22,806 24,598 17,963 38,545 16,939

Net income 71,560 69,653 74,492 75,745 60,939 141,213 73,851

Preferred stock dividends — — 1,605 2,019 3,185 — 6,574

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

Net income available to common shareholders $ 71,560 $ 69,653 $ 70,088 $ 73,726 $ 55,846 $ 141,213 $ 65,369

Basic earnings per common share $ 2.12 $ 2.04 $ 2.05 $ 2.28 $ 1.77 $ 4.16 $ 2.07

Diluted earnings per common share 2.05 1.97 1.98 2.20 1.73 4.02 2.02

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEET - UNAUDITED

(Dollars in thousands)

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

2026 2026 2025 2025 2025

ASSETS

Cash and due from banks $ 85,546 $ 89,153 $ 62,051 $ 57,951 $ 72,986

Interest earning deposits 4,093,306 4,709,051 4,349,412 4,127,688 3,430,525

Cash and cash equivalents 4,178,852 4,798,204 4,411,463 4,185,639 3,503,511

Investment securities, at fair value 2,626,717 1,993,152 1,937,646 2,010,820 1,877,406

Investment securities held to maturity 631,594 663,545 729,134 801,324 853,126

Loans held for sale 58,611 20,282 26,102 30,897 32,963

Loans and leases receivable 16,217,068 15,519,493 15,041,340 14,673,636 13,719,829

Loans receivable, mortgage finance, at fair value 1,654,795 1,758,685 1,612,997 1,486,978 1,536,254

Loans receivable, installment, at fair value 84,826 93,086 102,077 111,636 123,354

Allowance for credit losses on loans and leases (164,106) (160,962) (155,656) (151,809) (147,418)

Total loans and leases receivable, net of allowance for credit losses on loans and leases 17,792,583 17,210,302 16,600,758 16,120,441 15,232,019

FHLB, Federal Reserve Bank, and other restricted stock 144,971 117,880 110,411 103,290 100,590

Accrued interest receivable 103,125 105,002 103,626 106,379 101,481

Bank premises and equipment, net 19,773 15,749 16,745 15,340 5,978

Bank-owned life insurance 310,312 306,927 305,503 303,212 300,747

Other real estate owned 12,568 12,506 12,432 12,432 12,306

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

Other assets 638,054 633,589 638,419 566,760 527,044

Total assets $ 26,520,789 $ 25,880,767 $ 24,895,868 $ 24,260,163 $ 22,550,800

LIABILITIES AND SHAREHOLDERS’ EQUITY

Demand, non-interest bearing deposits $ 6,913,804 $ 6,739,713 $ 6,303,748 $ 6,380,879 $ 5,481,065

Interest bearing deposits 14,819,093 14,852,932 14,474,956 14,024,144 13,494,953

Total deposits 21,732,897 21,592,645 20,778,704 20,405,023 18,976,018

Federal funds purchased — 70,000 — — —

FHLB advances 2,059,163 1,561,655 1,325,068 1,195,437 1,195,377

Other borrowings 99,278 99,243 99,208 99,173 99,138

Subordinated debt 171,741 171,614 281,147 182,718 182,649

Accrued interest payable and other liabilities 252,018 241,310 296,224 251,753 234,060

Total liabilities 24,315,097 23,736,467 22,780,351 22,134,104 20,687,242

Preferred stock — — — 82,201 82,201

Common stock 36,485 36,312 36,189 36,161 36,123

Additional paid in capital 669,114 669,112 666,756 662,252 572,473

Retained earnings 1,676,407 1,604,847 1,535,194 1,465,106 1,391,380

Accumulated other comprehensive income (loss), net (58,346) (54,657) (54,050) (51,089) (71,325)

Treasury stock, at cost (117,968) (111,314) (68,572) (68,572) (147,294)

Total shareholders’ equity 2,205,692 2,144,300 2,115,517 2,126,059 1,863,558

Total liabilities and shareholders’ equity $ 26,520,789 $ 25,880,767 $ 24,895,868 $ 24,260,163 $ 22,550,800

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED

(Dollars in thousands)

Three Months Ended

June 30, 2026 March 31, 2026 June 30, 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 $ 4,064,683 $ 37,628 3.66% $ 4,492,897 $ 41,830 3.78% $ 3,565,168 $ 39,972 4.50%

Investment securities (1)

2,982,966 34,727 4.66% 2,735,786 32,141 4.70% 2,890,878 37,381 5.19%

Loans and leases:

Commercial & industrial:

Specialized lending loans and leases (2)

8,274,803 139,664 6.77% 7,863,238 132,861 6.85% 6,785,684 126,854 7.50%

Other commercial & industrial loans (2)

1,478,857 22,160 6.01% 1,450,962 24,202 6.76% 1,484,528 25,862 6.99%

Mortgage finance loans 1,590,328 17,078 4.31% 1,513,914 16,250 4.35% 1,501,484 18,349 4.90%

Multifamily loans 2,492,956 29,118 4.68% 2,494,849 28,249 4.59% 2,317,381 25,281 4.38%

Non-owner occupied commercial real estate loans 2,003,968 29,842 5.97% 1,907,541 27,711 5.89% 1,581,087 23,003 5.84%

Residential mortgages 527,816 6,265 4.75% 524,282 6,240 4.77% 537,008 6,344 4.74%

Installment loans 947,935 25,781 10.91% 912,090 24,456 10.87% 879,972 22,982 10.48%

Total loans and leases (3)

17,316,663 269,908 6.25% 16,666,876 259,969 6.32% 15,087,144 248,675 6.61%

Other interest-earning assets 174,621 2,394 5.50% 156,894 2,372 6.13% 133,824 1,973 5.91%

Total interest-earning assets 24,538,933 344,657 5.62% 24,052,453 336,312 5.66% 21,677,014 328,001 6.07%

Non-interest-earning assets 828,466 868,524 685,975

Total assets $ 25,367,399 $ 24,920,977 $ 22,362,989

Liabilities

Interest checking accounts $ 5,075,436 $ 41,077 3.25% $ 4,993,616 $ 40,023 3.25% $ 4,935,587 $ 47,245 3.84%

Money market deposit accounts 4,593,765 39,880 3.48% 4,364,149 36,640 3.40% 4,137,035 40,397 3.92%

Other savings accounts 1,655,029 13,943 3.38% 1,579,730 13,580 3.49% 1,325,639 12,767 3.86%

Certificates of deposit 3,438,721 35,396 4.13% 3,456,664 35,883 4.21% 2,852,645 33,636 4.73%

Total interest-bearing deposits (4)

14,762,951 130,296 3.54% 14,394,159 126,126 3.55% 13,250,906 134,045 4.06%

Federal funds purchased 10,659 99 3.75% 1,367 13 3.73% — — —%

Borrowings 1,989,478 20,896 4.21% 1,712,498 18,822 4.46% 1,417,370 17,253 4.88%

Total interest-bearing liabilities 16,763,088 151,291 3.62% 16,108,024 144,961 3.65% 14,668,276 151,298 4.14%

Non-interest-bearing deposits (4)

6,183,251 6,393,947 5,593,581

Total deposits and borrowings 22,946,339 2.64% 22,501,971 2.61% 20,261,857 2.99%

Other non-interest-bearing liabilities 249,563 272,488 221,465

Total liabilities 23,195,902 22,774,459 20,483,322

Shareholders’ equity 2,171,497 2,146,518 1,879,667

Total liabilities and shareholders’ equity $ 25,367,399 $ 24,920,977 $ 22,362,989

Net interest income 193,366 191,351 176,703

Tax-equivalent adjustment 790 257 366

Net interest earnings $ 194,156 $ 191,608 $ 177,069

Interest spread 2.98% 3.05% 3.07%

Net interest margin 3.15% 3.22% 3.27%

Net interest margin tax equivalent (5)

3.17% 3.22% 3.27%

(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 2.50%, 2.46% and 2.85% for the three months ended June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

(5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the three months ended June 30, 2026 and March 31, 2026 and 26% for the three months ended June 30, 2025, presented to approximate interest income as a taxable asset.

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED (CONTINUED)

(Dollars in thousands)

Six Months Ended

June 30, 2026 June 30, 2025

Average Balance

Interest Income or Expense Average Yield or Cost (%) Average Balance Interest Income or Expense Average Yield or Cost (%)

Assets

Interest earning deposits $ 4,278,663 $ 79,458 3.69% $ 3,710,585 $ 82,886 4.50%

Investment securities (1)

2,860,058 66,868 4.68% 2,995,074 71,720 4.83%

Loans and leases:

Commercial & industrial:

Specialized lending loans and leases (2)

8,070,098 272,525 6.81% 6,630,720 247,805 7.54%

Other commercial & industrial loans (2)

1,465,556 46,362 6.38% 1,513,526 49,795 6.63%

Mortgage finance loans 1,552,332 33,328 4.33% 1,377,730 33,101 4.85%

Multifamily loans 2,493,897 57,367 4.64% 2,295,757 48,945 4.30%

Non-owner occupied commercial real estate loans 1,956,021 57,553 5.93% 1,565,815 44,567 5.74%

Residential mortgages 526,065 12,505 4.76% 533,828 12,572 4.75%

Installment loans 930,112 50,237 10.90% 908,922 47,659 10.57%

Total loans and leases (3)

16,994,081 529,877 6.29% 14,826,298 484,444 6.59%

Other interest-earning assets 165,796 4,766 5.80% 130,825 3,860 5.95%

Total interest-earning assets 24,298,598 680,969 5.64% 21,662,782 642,910 5.98%

Non-interest-earning assets 846,849 676,326

Total assets $ 25,145,447 $ 22,339,108

Liabilities

Interest checking accounts $ 5,034,752 $ 81,100 3.25% $ 5,145,729 $ 97,148 3.81%

Money market deposit accounts 4,479,969 76,520 3.44% 4,010,647 78,164 3.93%

Other savings accounts 1,617,588 27,523 3.43% 1,239,021 23,458 3.82%

Certificates of deposit 3,447,665 71,279 4.17% 2,801,467 66,583 4.79%

Total interest-bearing deposits (4)

14,579,974 256,422 3.55% 13,196,864 265,353 4.05%

Federal funds purchased 6,039 112 3.75% — — —%

Borrowings 1,851,753 39,718 4.33% 1,382,349 33,408 4.87%

Total interest-bearing liabilities 16,437,766 296,252 3.63% 14,579,213 298,761 4.13%

Non-interest-bearing deposits (4)

6,288,017 5,651,789

Total deposits and borrowings 22,725,783 2.63% 20,231,002 2.98%

Other non-interest-bearing liabilities 260,535 233,891

Total liabilities 22,986,318 20,464,893

Shareholders’ equity 2,159,129 1,874,215

Total liabilities and shareholders’ equity $ 25,145,447 $ 22,339,108

Net interest income 384,717 344,149

Tax-equivalent adjustment 1,047 729

Net interest earnings $ 385,764 $ 344,878

Interest spread 3.01% 3.00%

Net interest margin 3.18% 3.20%

Net interest margin tax equivalent (5)

3.19% 3.20%

(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 2.48% and 2.84% for the six months ended June 30, 2026 and 2025, respectively.

(5) Tax-equivalent basis, using an estimated marginal tax rate of 21% for the six months ended June 30, 2026 and 26% for the six months ended June 30, 2025, presented to approximate interest income as a taxable asset.

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED

(Dollars in thousands)

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

2026 2026 2025 2025 2025

Loans and leases held for investment

Commercial:

Commercial & industrial:

Specialized lending $ 7,650,758 $ 7,398,205 $ 7,090,087 $ 7,083,620 $ 6,454,661

Other commercial & industrial

1,103,797 1,003,750 1,033,704 1,056,173 1,037,684

Mortgage finance

1,730,041 1,831,408 1,700,380 1,577,038 1,625,764

Multifamily 2,623,964 2,510,697 2,490,336 2,356,590 2,247,282

Commercial real estate owner occupied 1,270,575 1,279,501 1,135,119 1,058,741 1,065,006

Commercial real estate non-owner occupied 1,888,040 1,742,989 1,738,821 1,582,332 1,497,385

Construction 216,832 204,999 162,966 123,290 98,626

Total commercial loans and leases 16,484,007 15,971,549 15,351,413 14,837,784 14,026,408

Consumer:

Residential 508,187 495,458 497,567 514,544 520,570

Manufactured housing 24,763 26,065 27,452 28,749 30,287

Installment:

Personal 647,149 599,302 581,340 570,768 457,728

Other 292,583 278,890 298,642 320,405 344,444

Total installment loans 939,732 878,192 879,982 891,173 802,172

Total consumer loans 1,472,682 1,399,715 1,405,001 1,434,466 1,353,029

Total loans and leases held for investment $ 17,956,689 $ 17,371,264 $ 16,756,414 $ 16,272,250 $ 15,379,437

Loans held for sale

Commercial:

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

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

Consumer:

Residential 2,528 1,767 1,851 2,229 5,180

Installment:

Personal 53,101 17,056 23,357 23,728 27,682

Other 2,982 1,459 894 240 101

Total installment loans 56,083 18,515 24,251 23,968 27,783

Total consumer loans 58,611 20,282 26,102 26,197 32,963

Total loans held for sale $ 58,611 $ 20,282 $ 26,102 $ 30,897 $ 32,963

Total loans and leases portfolio $ 18,015,300 $ 17,391,546 $ 16,782,516 $ 16,303,147 $ 15,412,400

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

PERIOD END DEPOSIT COMPOSITION - UNAUDITED

(Dollars in thousands)

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

2026 2026 2025 2025 2025

Demand, non-interest bearing $ 6,913,804 $ 6,739,713 $ 6,303,748 $ 6,380,879 $ 5,481,065

Demand, interest bearing 5,107,649 5,085,040 5,049,151 5,050,437 4,912,839

Total demand deposits 12,021,453 11,824,753 11,352,899 11,431,316 10,393,904

Savings 1,555,932 1,742,652 1,731,010 1,554,533 1,375,072

Money market 4,592,851 4,604,981 4,398,827 4,339,371 4,206,516

Time deposits 3,562,661 3,420,259 3,295,968 3,079,803 3,000,526

Total deposits $ 21,732,897 $ 21,592,645 $ 20,778,704 $ 20,405,023 $ 18,976,018

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

ASSET QUALITY - UNAUDITED

(Dollars in thousands)

As of June 30, 2026 As of March 31, 2026 As of June 30, 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

$ 8,829,801 $ 40,158 0.45 % $ 8,474,678 $ 41,214 0.49 % $ 7,581,855 $ 36,262 0.48 %

Multifamily 2,623,964 29,324 1.12 % 2,510,697 19,441 0.77 % 2,247,282 20,864 0.93 %

Commercial real estate owner occupied 1,270,575 10,226 0.80 % 1,279,501 10,556 0.83 % 1,065,006 12,514 1.18 %

Commercial real estate non-owner occupied 1,888,040 13,503 0.72 % 1,742,989 18,470 1.06 % 1,497,385 20,679 1.38 %

Construction 216,832 2,803 1.29 % 204,999 2,672 1.30 % 98,626 2,160 2.19 %

Total commercial loans and leases receivable 14,829,212 96,014 0.65 % 14,212,864 92,353 0.65 % 12,490,154 92,479 0.74 %

Consumer:

Residential 508,187 6,251 1.23 % 495,458 5,713 1.15 % 520,570 6,331 1.22 %

Manufactured housing 24,763 3,244 13.10 % 26,065 3,338 12.81 % 30,287 3,721 12.29 %

Installment 854,906 58,597 6.85 % 785,106 59,558 7.59 % 678,818 44,887 6.61 %

Total consumer loans receivable 1,387,856 68,092 4.91 % 1,306,629 68,609 5.25 % 1,229,675 54,939 4.47 %

Loans and leases receivable held for investment

16,217,068 164,106 1.01 % 15,519,493 160,962 1.04 % 13,719,829 147,418 1.07 %

Loans receivable, mortgage finance, at fair value 1,654,795 — — % 1,758,685 — — % 1,536,254 — — %

Loans receivable, installment, at fair value 84,826 — — % 93,086 — — % 123,354 — — %

Loans held for sale 58,611 — — % 20,282 — — % 32,963 — — %

Total loans and leases portfolio $ 18,015,300 $ 164,106 0.91 % $ 17,391,546 $ 160,962 0.93 % $ 15,412,400 $ 147,418 0.96 %

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

ASSET QUALITY - UNAUDITED (CONTINUED)

(Dollars in thousands)

As of June 30, 2026 As of March 31, 2026 As of June 30, 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

$ 22,828 0.26 % 175.92 % $ 18,588 0.22 % 221.72 % $ 4,218 0.06 % 859.70 %

Multifamily 14,205 0.54 % 206.43 % 9,090 0.36 % 213.87 % — — % — %

Commercial real estate owner occupied 5,692 0.45 % 179.66 % 5,740 0.45 % 183.90 % 7,005 0.66 % 178.64 %

Commercial real estate non-owner occupied 135 0.01 % 10002.22 % 135 0.01 % 13681.48 % 62 0.00 % 33353.23 %

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

Total commercial loans and leases receivable 42,860 0.29 % 224.02 % 33,553 0.24 % 275.25 % 11,285 0.09 % 819.49 %

Consumer:

Residential 6,740 1.33 % 92.74 % 7,509 1.52 % 76.08 % 8,234 1.58 % 76.89 %

Manufactured housing 1,047 4.23 % 309.84 % 1,143 4.39 % 292.04 % 1,608 5.31 % 231.41 %

Installment 4,075 0.48 % 1437.96 % 3,736 0.48 % 1594.16 % 4,944 0.73 % 907.91 %

Total consumer loans receivable 11,862 0.85 % 574.03 % 12,388 0.95 % 553.83 % 14,786 1.20 % 371.56 %

Loans and leases receivable 54,722 0.34 % 299.89 % 45,941 0.30 % 350.37 % 26,071 0.19 % 565.45 %

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

Loans receivable, installment, at fair value 1,231 1.45 % — % 1,626 1.75 % — % 1,961 1.59 % — %

Loans held for sale 69 0.12 % — % 251 1.24 % — % 411 1.25 % — %

Total loans and leases portfolio $ 56,022 0.31 % 292.93 % $ 47,818 0.27 % 336.61 % $ 28,443 0.18 % 518.29 %

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED

(Dollars in thousands)

Q2 Q1 Q4 Q3 Q2 Six Months Ended June 30,

2026

2025

2026 2025

Loan type

Commercial & industrial, including specialized lending $ 2,648 $ 2,576 $ 1,620 $ 2,180 $ 3,871 $ 5,224 $ 7,102

Multifamily 4,880 2,630 4,612 — — 7,510 3,834

Commercial real estate owner occupied (332) (5) (40) 335 411 (337) 427

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

Construction — — — — (3) — (6)

Residential 20 — 16 25 (4) 20 (4)

Installment 7,363 8,054 7,766 9,758 8,840 15,417 18,906

Total net charge-offs (recoveries) from loans held for investment $ 14,579 $ 13,255 $ 13,749 $ 15,371 $ 13,115 $ 27,834 $ 30,259

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

LOANS AND LEASES RISK RATINGS - UNAUDITED

(Dollars in thousands)

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

2026 2026 2025 2025 2025

Loans and leases (1) risk ratings:

Commercial loans and leases

Pass $ 14,434,943 $ 13,803,943 $ 13,316,507 $ 12,927,467 $ 12,047,656

Special Mention

132,704 159,714 216,462 187,794 174,587

Substandard

257,517 245,028 200,779 230,079 256,849

Total commercial loans and leases 14,825,164 14,208,685 13,733,748 13,345,340 12,479,092

Consumer loans

Performing 1,375,438 1,294,311 1,287,408 1,308,987 1,209,377

Non-performing 12,418 12,318 15,516 13,843 20,298

Total consumer loans 1,387,856 1,306,629 1,302,924 1,322,830 1,229,675

Loans and leases receivable (1)

$ 16,213,020 $ 15,515,314 $ 15,036,672 $ 14,668,170 $ 13,708,767

(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.

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

Six Months Ended

June 30,

Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 2026 2025

(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 $ 71,560 $ 2.05 $ 69,653 $ 1.97 $ 70,088 $ 1.98 $ 73,726 $ 2.20 $ 55,846 $ 1.73 $ 141,213 $ 4.02 $ 65,369 $ 2.02

Reconciling items (after tax):

Impairment loss on debt securities — — — — — — — — — — — — 39,875 1.23

(Gains) losses on investment securities (103) 0.00 (208) (0.01) (36) 0.00 (253) (0.01) 1,388 0.04 (311) (0.01) 1,264 0.04

Derivative credit valuation adjustment — — — — — — — — — — — — 210 0.01

Loss on redemption of preferred stock — — — — 2,799 0.08 — — 1,908 0.06 — — 1,908 0.06

Unrealized (gain) loss on loans held for sale — — — — — — — — (223) (0.01) — — 295 0.01

Loan program termination fees — — — — — — — — (772) (0.02) — — (772) (0.02)

Core earnings $ 71,457 $ 2.05 $ 69,445 $ 1.97 $ 72,851 $ 2.06 $ 73,473 $ 2.20 $ 58,147 $ 1.80 $ 140,902 $ 4.01 $ 108,149 $ 3.33

Core Return on Average Assets - Customers Bancorp

Six Months Ended

June 30,

(Dollars in thousands, except per share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 2026 2025

GAAP net income $ 71,560 $ 69,653 $ 74,492 $ 75,745 $ 60,939 $ 141,213 $ 73,851

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

(Gains) losses on investment securities (103) (208) (36) (253) 1,388 (311) 1,264

Derivative credit valuation adjustment — — — — — — 210

Unrealized (gain) loss on loans held for sale — — — — (223) — 295

Loan program termination fees — — — — (772) — (772)

Core earnings

$ 71,457 $ 69,445 $ 74,456 $ 75,492 $ 61,332 $ 140,902 $ 114,723

Average total assets

$ 25,367,399 $ 24,920,977 $ 24,721,373 $ 23,930,723 $ 22,362,989 $ 25,145,447 $ 22,339,108

Core return on average assets 1.13 % 1.13 % 1.19 % 1.25 % 1.10 % 1.13 % 1.04 %

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

Six Months Ended

June 30,

(Dollars in thousands, except per share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 2026 2025

GAAP net income to common shareholders $ 71,560 $ 69,653 $ 70,088 $ 73,726 $ 55,846 $ 141,213 $ 65,369

Reconciling items (after tax):

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

(Gains) losses on investment securities (103) (208) (36) (253) 1,388 (311) 1,264

Derivative credit valuation adjustment — — — — — — 210

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

Unrealized (gain) loss on loans held for sale — — — — (223) — 295

Loan program termination fees — — — — (772) — (772)

Core earnings $ 71,457 $ 69,445 $ 72,851 $ 73,473 $ 58,147 $ 140,902 $ 108,149

Average total common shareholders’ equity

$ 2,171,497 $ 2,146,518 $ 2,093,510 $ 1,878,115 $ 1,751,037 $ 2,159,129 $ 1,741,029

Core return on average common equity 13.20 % 13.12 % 13.81 % 15.52 % 13.32 % 13.16 % 12.53 %

Core Efficiency Ratio - Customers Bancorp

Six Months Ended

June 30,

(Dollars in thousands, except per share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 2026 2025

GAAP net interest income $ 193,366 $ 191,351 $ 204,428 $ 201,912 $ 176,703 $ 384,717 $ 344,149

GAAP non-interest income (loss)

$ 34,043 $ 34,316 $ 32,516 $ 30,191 $ 29,606 $ 68,359 $ 5,116

(Gains) losses on investment securities (130) (269) (47) (334) 1,797 (399) 1,637

Derivative credit valuation adjustment — — — — — — 270

Unrealized (gain) loss on loans held for sale — — — — (289) — 378

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

Loan program termination fees — — — — (1,000) — (1,000)

Core non-interest income 33,913 34,047 32,469 29,857 30,114 67,960 57,720

Core revenue $ 227,279 $ 225,398 $ 236,897 $ 231,769 $ 206,817 $ 452,677 $ 401,869

GAAP non-interest expense $ 114,891 $ 111,988 $ 117,309 $ 105,217 $ 106,626 $ 226,879 $ 209,397

Core non-interest expense $ 114,891 $ 111,988 $ 117,309 $ 105,217 $ 106,626 $ 226,879 $ 209,397

Core efficiency ratio (1)

50.55 % 49.68 % 49.52 % 45.40 % 51.56 % 50.12 % 52.11 %

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

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

RECONCILIATION OF GAAP TO NON-GAAP MEASURES - UNAUDITED (CONTINUED)

(Dollars in thousands, except per share data)

Tangible Common Equity to Tangible Assets - Customers Bancorp

(Dollars in thousands, except per share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025

GAAP total shareholders’ equity

$ 2,205,692 $ 2,144,300 $ 2,115,517 $ 2,126,059 $ 1,863,558

Reconciling items:

Preferred stock — — — (82,201) (82,201)

Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629)

Tangible common equity $ 2,202,063 $ 2,140,671 $ 2,111,888 $ 2,040,229 $ 1,777,728

GAAP total assets $ 26,520,789 $ 25,880,767 $ 24,895,868 $ 24,260,163 $ 22,550,800

Reconciling items:

Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629)

Tangible assets $ 26,517,160 $ 25,877,138 $ 24,892,239 $ 24,256,534 $ 22,547,171

Tangible common equity to tangible assets 8.3 % 8.3 % 8.5 % 8.4 % 7.9 %

Tangible Book Value per Common Share - Customers Bancorp

(Dollars in thousands, except share and per share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025

GAAP total shareholders’ equity

$ 2,205,692 $ 2,144,300 $ 2,115,517 $ 2,126,059 $ 1,863,558

Reconciling Items:

Preferred stock — — — (82,201) (82,201)

Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629)

Tangible common equity $ 2,202,063 $ 2,140,671 $ 2,111,888 $ 2,040,229 $ 1,777,728

Common shares outstanding 33,772,598 33,692,632 34,191,223 34,163,506 31,606,934

Tangible book value per common share $ 65.20 $ 63.54 $ 61.77 $ 59.72 $ 56.24

EX-99.2

Filename: q226investorpresentation.htm · Sequence: 3

q226investorpresentation

1 Q2’26 1 July 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 ~885 | Total Assets $26.5B Data as of 6/30/2026 Customers Bancorp, Inc. 1. Non-GAAP measure, refer to appendix for reconciliation 2. As of December 2025 3. The Qualtrics U.S. Banking Relational Net Promoter® Score (NPS®) benchmark is derived from Qualtrics' vast Customer Experience dataset. The dataset includes 2022-2023 anonymized results from 50+ U.S. banking organizations, covering 80+ separate relationship surveys, and encompassing 400,000 individual survey respondents Key Balance Sheet Stats Delivering exceptional growth across the Bank Total Assets Total Gross Loans Total Deposits TBVPS1 Q2’26 ($) 26.5B 18.0B 21.7B 65.20 YoY Growth (%) 18 17 15 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 Q2’26 Key Accomplishments 1. Teams hired since Q2’23 2. Non-GAAP measure, refer to appendix for reconciliation 3. 2026 proxy peers most recent quarter (“MRQ”); MRQ represents Q2’26 for proxy peer banks that have reported earnings data before July 23, 2026. Otherwise represents Q1’26 data 4. Q4’2019 to Q2’2026 5. CET1 is estimated pending final regulatory report Record period end loans of $18.0 billion 4% loan growth QoQ 17% loan growth YoY Diversified across the franchise with multiple verticals contributing to growth Record period end deposits of $21.7 billion Record $6.9 billion non-interest bearing (“NIB”) deposits, or 32% of total deposits Approximately $375 million of NIB deposit growth QoQ outside of digital assets (“DA”) channel New commercial banking teams1 added approximately $570 million of deposits YTD Solid Loan GrowthAccretive Deposit Performance NII increased 9% YoY Robust low-cost deposit and loan pipelines expected to drive margin expansion Net Interest Income (NII) & Net Interest Margin (NIM) CET1 ratio at 12.8%5 TCE/TA2 increased 40 bps YoY to 8.3% Approximately 93k shares repurchased at wtd. avg. price of ~$73 Tangible book value crossed $65 per share2 YoY growth of 16% Approximately 15% CAGR since 20194 Strong Capital & LiquidityTangible Book Value Growth Core non-interest expense as percent of average assets2 of 1.82% is among the lowest of regional bank peers3 Core efficiency ratio2 declined 100bps YoY Approximately 430 bps of positive operating leverage generated YTD’26 compared to YTD’25 Positive Operating Leverage

5 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED 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 Agentic Integration Approach AI: Experiencing Transformational Change Across the Bank 1. Represents target-state operating goals; initiatives are in progress and not realized 2. Hours saved reflect self-reported estimates from survey of employees using AI tools. Survey data as of July 3, 2026 3. Includes custom GPTs and other similar AI agent products across major platforms used in the last 6 months 4. Includes FTEs mobilized across AI transformation initiatives Increase Revenue Reduce Risk Improve Productivity Top-Down Strategic Transformation Priorities1 Loans 7-day close, down from 30+ days Deposits Commercial onboarding in minutes, not hours Payments cubiX agentic interface enabling the processing of nearly 2 billion client API requests by YE’2026 Front Office Operations RiskFinance & Accounting Compliance Data & Insights 46,000+ Hours saved2 600+ Agents deployed3 100% AI-licensed 40 AI mobilization team4 Bottom-Up Use Cases Key Results Select Partners Cycle seeks to weave AI into the Bank’s operating fabric Pair engineers + bankers = agentic pods Understand shadow the real workflow Prioritize highest- impact opportunities Build agents on our own data & systems Validate prove it, measure impact Absorb ship into the operating fabric Agentic workflow

7 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Payments: Positioned at the Forefront of the Industry Accelerate Industry Adoption L IVE & SCALING Digital Assets Mortgage Finance OPPORTUNITY Illustrative use case: Traditional finance exchanges trending toward 23/5 trading 1. Daily cubiX volume available beginning 10/16/24. The network was previously referred to as CBIT before cubiX launch in Q4’24. Includes Internal Transfer Activity and Wire Transfers from cubiX/CBIT Client Base 2. Calculated as the ending deposit balances of the DA, mortgage finance and real estate payments verticals Instant Payments Platform RTP FedNow Wires ACH cubiX 100% FY 2025 82% 16% 2% Q1’26 78% 14% 8% Q2’26 DA Mortgage Finance Real Estate (pipeline) Real Estate cubiX network activity1 $ trillions, cumulative cubiX deposit balance mix2 $ millions, ending Real Estate payments vertical spotlight $ millions, nding QoQ Momentum 7x Transaction volume 4x+ Spot deposit balances ~350 New deposit accounts Accelerating deposit balances $95 $399 Q1’26 Q2’26 Q3’26 Q4’26 9 figure deposit pipeline per quarter Real Estate Client Spot Deposit Balance 2023 2024 2025 Q2’26 $0.4 $1.9 $3.9 $5.0 Illustrative Cumulative transaction volume surpassed $5T in Q2’26 Capital Markets New Verticals in Flight Illustrative use case: Cross-border 24/7

8 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Organic Growth: Core to the Success of Customers Bank 1. Banks cited from J.D. Power: “2026 J.D. Power Retail Banking Satisfaction Study“ sourced via analyst industry report dated June 5, 2026. Peer banks that completed M&A transactions amounting to >35% the size of the acquiring institution since 2019 have been omitted from the chart 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 4. Represents 6.25 year (2019 – Q1’26) CAGR 5. Revenue is calculated as the sum of net interest income and noninterest income 6. Non-GAAP measure, refer to appendix for reconciliation 7. U.S. Banks with total assets between $20 billion and $100 billion. Source S&P Cap IQ 8. Represents 6 year (2019-2025) CAGR for banks with available data throughout the time period horizon 9. Peer banks that completed M&A transactions amounting to >35% the size of the acquiring institution between 2019 and 2025 have been omitted from the peer set 10. Originally reported 2019 Core EPS of $2.28 which was recast to $2.35 to reflect the results of discontinued operations Organic Growth Flywheel NPS Scores vs. Deposit Growth 0% 10% 20% 0 20 40 60 80 100 NPS 6.25Y Deposit CAGR CUBI CUBI Peer Bank1 Peer-Leading Performance $7.61 2019 2025 $2.3510 22%3 2019 2025 $358 $81815%3 $26.17 $61.77 2019 2025 15%3 Top 5 Revenue Compounder7,8,9 #1 Core EPS Compounder7,8 Core EPS6 $ Revenue5 $ millions TBVPS6 $ #2 TBVPS Compounder7,8 Net Promoter Score ~2x the benchmark and #1 in the peer set1 Deposit growth — 100% organic ~16% deposit CAGR4 2x+ peer median1 growth rate Exceptional service NPS of 81 Client engagement Retention, referrals Performance & momentum Winning culture Reinvest in service & tech Technology & people Industry Benchmark: 41 Peer Median Deposit CAGR: 7.0% Customers Bank2 Banking Industry Benchmark3 81 41 16% Top teams deepen franchise Deposits & expertise

9 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED ACCRETIVE DEPOSIT PERFORMANCE Successful Execution of Deposit Franchise Transformation Led by Team Recruitment Strategy 2025 Teams Spotlight 1. Includes commercial banking teams hired since Q2’23 2. Includes team members that have joined or are in advanced conversations $0.6 2023 2024 2025 Q2’26 $1.7 $3.3 $3.9 6.5x 2023 Vintage 2024 Vintage 2025 Vintage Ending Deposit Balance1 $ billions Commercial Deposit Accounts 13,769 15,383 20,401 23,111 25,524 2022 2023 2024 2025 Q2’26 +10% Q2’26 Account Openings 2025 Teams All Other Teams ~1,250 Net Accounts Added Scale ~1,600 deposit accounts $0.5B+ deposit balance Funding Quality 63% NIBD ~0.7% spot deposit cost ~500 bps loan to deposit spread 1.7x deposit to loans Q2’26 profitable in ~3 quarters Economics $0.3B loan balance YTD Growth 65% NIBD % of Total Deposits 3% 18% 38% 62% ~30 Team Members 2026 Teams Preview ~30 New team members2 9-figure pipeline Through YE’26 Diversified Deposit, loans & fee income opportunities

10 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Profitability Balance Sheet Credit 3.17% vs. 3.22% NIM $26.5B +2% Total Assets 0.18% +4 bps Commercial NCOs Ratio1 $18.0B +4% Total Loans and Leases 0.31% +4 bps NPLs to Total Loans Financial Highlights - GAAP Highlights Q2’26 EARNINGS REVIEW Total Deposits $21.7B +1% Reserves to NPLs 293% vs. 337% $2.05 DILUTED EPS $71.6M NET INCOME ROCE 13.2% ROAA 1.13% vs. 1.13% 1. Q2’26 annualized NCOs as percentage of average total loans and leases for Q2’26 was 0.34%, up 2 bps compared to Q1’26 Q2’26 (vs. Q1’26)

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. DA Vertical spot balances were $3.8B, $4.0B, and $3.2B in Q2’26, Q1’26, and Q2’25, respectively Total Deposits $ billions Average cost of deposits $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 $5.1 $9.8 Q1’26 $6.9 (32%) $5.1 $9.7 Q2’26 $19.0 $20.4 $20.8 $21.6 $21.7 Non-Interest Bearing DDA Interest Bearing DDA Non-DDA • Non-interest bearing balances excluding the DA vertical increased approximately $375 million in the quarter2 2.50% Steady Deposit Growth and Mix Improvement Approaching $22 billion in deposits with 32% non-interest bearing balances ACCRETIVE DEPOSIT PERFORMANCE • Non-interest bearing deposits increased by $174 million in the quarter to a second consecutive period end record $6.9 billion, or 32% of total deposits, representing top quartile of peer banks1 Quarterly Non-interest Bearing Deposit Growth ex. DA Vertical2 $ millions Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 $26 $96 $144 $231 $372 QoQ NIBD Growth (ex. DA Vertical) 32% 29% 25% CUBI Regional Bank Peers (MRQ) Top Quartile (29.0%) QoQ: +14% YoY: +37% Q2’26 Q2’25 Q2’24

12 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Strong Loan Growth With Diversified Contributions Across The Franchise Q2’26 Loan Portfolio $ billions • Loan growth of over $600 million, or 4% QoQ, compared to 2% for the industry1 ROBUST LOAN GROWTH 1. US Banks with $10-$100 billion in assets that have reported earnings data before July 23, 2026. Source S&P Cap IQ 2. Includes Investment CRE, Construction, and Multifamily 3. Includes Public Finance, FIG, Commercial Banking Teams, Mortgages, PPP, and remaining loan verticals 4. Fund Finance includes Lender Finance and Capital Call Lines Real Estate Specialty Finance Consumer Installment Community C&I Other3 Fund Finance4 Healthcare Total Loan Growth Mortgage Warehouse SBA Lending Tech and Venture $270 $107 $99 $76 $63 $50 $45 $40 -$25 -$101 $624 CRE2 Q2’26 Loan Growth by Verticals $ millions Total Loans Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 $15.4 $16.3 $16.8 $17.4 $18.0 • Top growth verticals included CRE, Real Estate Specialty Finance, Consumer, Community C&I • Diversified loan growth focused on adding franchise value

13 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Net Interest Income Growth of 9% Year-over-Year Net Interest Income & Net Interest Margin $ millions, percent 3.27% 3.46% 3.40% 3.22% 3.17% 3.25% 3.24% Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 $176.7 $201.9 $204.4 $191.4 $193.4 NET INTEREST INCOME & NET INTEREST MARGIN • $16 million NII growth YoY driven by higher average loan balances and lower cost of funds • Cumulative IB and total deposit beta of 65% and 58%, respectively • Robust low-cost deposit and loan pipelines expected to drive margin expansion 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

14 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Peer Leading Efficiency While Investing In Our Business $106.6 $105.2 $117.3 $112.0 $114.9 51.6% Q2’25 45.4% Q3’25 49.5% Q4’25 49.7% Q1’26 50.6% Q2’26 Core Non-Interest Expense1 $ millions • Core efficiency ratio1 has declined by approximately 100bps 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 of regional bank peers2 1.82% CUBI CUBI (Q2’26) Regional Bank Peers (MRQ) 1. Non-GAAP measure, refer to appendix for reconciliation 2. 2026 proxy peers most recent quarter (“MRQ”) Top Quartile (2.00%) Median (2.25%) OPERATIONAL EFFICIENCY AND STRATEGIC INVESTMENTS Core Non-interest Expense1 Core Efficiency Ratio1 Includes $1.0 million of severance expense

15 © 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 Target Achieved New Investment Target of $30 Million Annual Run-Rate Already Achieved in Q2’26 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: New Target Accomplished $10.0M Phase 2

16 © 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 Q2’26 inclusive of impact of AOCI mark-to-market; Q4’19 and Q2’26 AOCI impact of $(0.04) and $(1.73) 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 $65.20 2019 2020 2021 2022 2023 2024 2025 Q2’26 +14% TANGIBLE BOOK VALUE GROWTH • TBVPS1 increased 3% QoQ and 16% YoY to $65.20 • Tangible book value1 per share increased 2.5x since Q4’192 • 15%2 CAGR in TBVPS1 since Q4’192 compared to 5% for regional bank peers3 Key Highlights ~ 5

17 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED ` ` 14.5% 15.4% 15.4% 14.9% 14.8% Total Risk-Based Capital percent 7.9% 8.4% 8.5% 8.3% 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 12.1% 13.0% 13.0% 12.9% 12.8% CET1 Risk-Based Capital percent STRONG CAPITAL AND LIQUIDITY • Strong capital ratios provide flexibility • TCE/TA2 Ratio up 40 basis points YoY with 18% increase in tangible assets2 over same period Q2’25 Key Highlights Q3’25 Q4’25 Q1’26 Q2’261

18 © 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 293% • NPAs to total assets remain low at 32 bps and below regional bank peer median1 of 40 bps Q2’25 Q3’25 Q4’25 0.13% 0.16% 0.16% 0.14% 0.18% 2.50% 2.60% 2.08% 2.27% 2.01% 0.35% 0.39% 0.33% 0.32% 0.34% 0.27% 0.25% 0.29% 0.29% 0.32%0.32% 0.34% 0.35% 0.34% 0.40% 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: 5.73% 5.91% CUBICUBI (Q2’26) Regional Bank Peers (MRQ)1 Q2’26

19 © 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%

20 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

21 Appendix

22 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Investment Securities – AFS percent, Q2’26 Securities Portfolio Characteristics • Spot yield: 5.14% • Effective duration: 2.5 years • Floating rate securities: 35% • Credit rating: 79% AAA with only 2% at BB Investment Securities – HTM percent, Q2’26 • Spot yield: 3.18% • Effective duration: 4.2 years • Floating rate securities: ~31% • Credit rating: 70% AAA with no rated securities non- investment grade • ABS: $0.2 billion of credit enhanced asset backed securities 71% 29% MBS & CMO Credit Enhanced ABS Total: $0.6 billion Corporate ABS Other MBS & CMO Total: $2.6 billion 9% 11% 78% 1%

23 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED 1. Excludes mortgage finance and installment loans reported at fair value, loans held for sale 2. Utilized Moody’s June 2026 baseline and adverse forecast scenario with qualitative adjustments for Q2’26 provision for credit losses 3. Utilized Moody’s March 2026 baseline and adverse forecast scenario with qualitative adjustments for Q1’26 provision for credit losses Allowance for Credit Losses for Loans and Leases June 30, 2026 March 31, 2026 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 $ 8,829,801 $ 40,158 0.45 % $ 8,474,678 $ 41,214 0.49 % Multifamily 2,623,964 29,324 1.12 % 2,510,697 19,441 0.77 % Commercial Real Estate Owner Occupied 1,270,575 10,226 0.80 % 1,279,501 10,556 0.83 % Commercial Real Estate Non-Owner Occupied 1,888,040 13,503 0.72 % 1,742,989 18,470 1.06 % Construction 216,832 2,803 1.29 % 204,999 2,672 1.30 % Total Commercial Loans and Leases Receivable $ 14,829,212 $ 96,014 0.65 % $ 14,212,864 $ 92,353 0.65 % Consumer: Residential Real Estate $ 508,187 $ 6,251 1.23 % $ 495,458 $ 5,713 1.15 % Manufacturing Housing 24,763 3,244 13.10 % 26,065 3,338 12.81 % Installment 854,906 58,597 6.85 % 785,106 59,558 7.59 % Total Consumer Loans Receivable $ 1,387,856 $ 68,092 4.91 % $ 1,306,629 $ 68,609 5.25 % Total Loans and Leases Receivable $ 16,217,068 $ 164,106 1.01 % $ 15,519,493 $ 160,962 1.04 %

24 © 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

25 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Earnings - Customers Bancorp Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 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 $ 71,560 $ 2.05 $ 69,653 $ 1.97 $ 70,088 $ 1.98 $ 73,726 $ 2.20 $ 55,846 $ 1.73 Reconciling items (after tax): (Gains) losses on investment securities (103) 0.00 (208) (0.01) (36) 0.00 (253) (0.01) 1,388 0.04 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) Loan program termination fees — — — — — — — — (772) (0.02) Core earnings $ 71,457 $ 2.05 $ 69,445 $ 1.97 $ 72,851 $ 2.06 $ 73,473 $ 2.20 $ 58,147 $ 1.80

26 © 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

27 © 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) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 GAAP net income $ 71,560 $ 69,653 $ 74,492 $ 75,745 $ 60,939 Reconciling items (after tax): (Gains) losses on investment securities (103) (208) (36) (253) 1,388 Unrealized (gain) loss on loans held for sale — — — — (223) Loan program termination fees — — — — (772) Core earnings $ 71,457 $ 69,445 $ 74,456 $ 75,492 $ 61,332 Average total assets $ 25,367,399 $ 24,920,977 $ 24,721,373 $ 23,930,723 $ 22,362,989 Core return on average assets 1.13 % 1.13 % 1.19 % 1.25 % 1.10 %

28 © 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) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 GAAP net income to common shareholders $ 71,560 $ 69,653 $ 70,088 $ 73,726 $ 55,846 Reconciling items (after tax): (Gains) losses on investment securities (103) (208) (36) (253) 1,388 Loss on redemption of preferred stock — — 2,799 — 1,908 Unrealized (gain) loss on loans held for sale — — — — (223) Loan program termination fees — — — — (772) Core earnings $ 71,457 $ 69,445 $ 72,851 $ 73,473 $ 58,147 Average total common shareholders' equity $ 2,171,497 $ 2,146,518 $ 2,093,510 $ 1,878,115 $ 1,751,037 Core return on average common equity 13.20 % 13.12 % 13.81 % 15.52 % 13.32 %

29 © 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) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 GAAP net interest income $ 193,366 $ 191,351 $ 204,428 $ 201,912 $ 176,703 GAAP non-interest income (loss) $ 34,043 $ 34,316 $ 32,516 $ 30,191 $ 29,606 (Gains) losses on investment securities (130) (269) (47) (334) 1,797 Unrealized (gain) loss on loans held for sale — — — — (289) Loan program termination fees — — — — (1,000) Core non-interest income 33,913 34,047 32,469 29,857 30,114 Core revenue $ 227,279 $ 225,398 $ 236,897 $ 231,769 $ 206,817 GAAP non-interest expense $ 114,891 $ 111,988 $ 117,309 $ 105,217 $ 106,626 Core non-interest expense $ 114,891 $ 111,988 $ 117,309 $ 105,217 $ 106,626 Core efficiency ratio (1) 50.55 % 49.68 % 49.52 % 45.40 % 51.56 %

30 © 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) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 GAAP non-interest expense $ 114,891 $ 111,988 $ 117,309 $ 105,217 $ 106,626 Core non-interest expense $ 114,891 $ 111,988 $ 117,309 $ 105,217 $ 106,626 Average total assets $ 25,367,399 $ 24,920,977 $ 24,721,373 $ 23,930,723 $ 22,362,989 Core Non-interest Expense to average assets 1.82 % 1.82 % 1.88 % 1.74 % 1.91 %

31 © 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) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 GAAP total shareholders' equity $ 2,205,692 $ 2,144,300 $ 2,115,517 $ 2,126,059 $ 1,863,558 Reconciling items: Preferred stock — — — (82,201) (82,201) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $ 2,202,063 $ 2,140,671 $ 2,111,888 $ 2,040,229 $ 1,777,728 GAAP Total assets $ 26,520,789 $ 25,880,767 $ 24,895,868 $ 24,260,163 $ 22,550,800 Reconciling items: Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible assets $ 26,517,160 $ 25,877,138 $ 24,892,239 $ 24,256,534 $ 22,547,171 Tangible common equity to tangible assets 8.3 % 8.3 % 8.5 % 8.4 % 7.9 %

32 © 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) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 GAAP total shareholders' equity $ 2,205,692 $ 2,144,300 $ 2,115,517 $ 2,126,059 $ 1,863,558 Reconciling Items: Preferred stock — — — (82,201) (82,201) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $ 2,202,063 $ 2,140,671 $ 2,111,888 $ 2,040,229 $ 1,777,728 Common shares outstanding 33,772,598 33,692,632 34,191,223 34,163,506 31,606,934 Tangible book value per common share $ 65.20 $ 63.54 $ 61.77 $ 59.72 $ 56.24

33 © 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

GRAPHIC

Filename: cubi-20260723_g1.jpg · Sequence: 8

Binary file (67786 bytes)

Download cubi-20260723_g1.jpg

GRAPHIC

Filename: customersbancorp_logoxprim.jpg · Sequence: 9

Binary file (44469 bytes)

Download customersbancorp_logoxprim.jpg

GRAPHIC

Filename: q226investorpresentation001.jpg · Sequence: 10

Binary file (43432 bytes)

Download q226investorpresentation001.jpg

GRAPHIC

Filename: q226investorpresentation002.jpg · Sequence: 11

Binary file (225214 bytes)

Download q226investorpresentation002.jpg

GRAPHIC

Filename: q226investorpresentation003.jpg · Sequence: 12

Binary file (137857 bytes)

Download q226investorpresentation003.jpg

GRAPHIC

Filename: q226investorpresentation004.jpg · Sequence: 13

Binary file (129012 bytes)

Download q226investorpresentation004.jpg

GRAPHIC

Filename: q226investorpresentation005.jpg · Sequence: 14

Binary file (105350 bytes)

Download q226investorpresentation005.jpg

GRAPHIC

Filename: q226investorpresentation006.jpg · Sequence: 15

Binary file (139611 bytes)

Download q226investorpresentation006.jpg

GRAPHIC

Filename: q226investorpresentation007.jpg · Sequence: 16

Binary file (123546 bytes)

Download q226investorpresentation007.jpg

GRAPHIC

Filename: q226investorpresentation008.jpg · Sequence: 17

Binary file (120948 bytes)

Download q226investorpresentation008.jpg

GRAPHIC

Filename: q226investorpresentation009.jpg · Sequence: 18

Binary file (126568 bytes)

Download q226investorpresentation009.jpg

GRAPHIC

Filename: q226investorpresentation010.jpg · Sequence: 19

Binary file (69707 bytes)

Download q226investorpresentation010.jpg

GRAPHIC

Filename: q226investorpresentation011.jpg · Sequence: 20

Binary file (121720 bytes)

Download q226investorpresentation011.jpg

GRAPHIC

Filename: q226investorpresentation012.jpg · Sequence: 21

Binary file (90297 bytes)

Download q226investorpresentation012.jpg

GRAPHIC

Filename: q226investorpresentation013.jpg · Sequence: 22

Binary file (81188 bytes)

Download q226investorpresentation013.jpg

GRAPHIC

Filename: q226investorpresentation014.jpg · Sequence: 23

Binary file (95743 bytes)

Download q226investorpresentation014.jpg

GRAPHIC

Filename: q226investorpresentation015.jpg · Sequence: 24

Binary file (101110 bytes)

Download q226investorpresentation015.jpg

GRAPHIC

Filename: q226investorpresentation016.jpg · Sequence: 25

Binary file (76150 bytes)

Download q226investorpresentation016.jpg

GRAPHIC

Filename: q226investorpresentation017.jpg · Sequence: 26

Binary file (75325 bytes)

Download q226investorpresentation017.jpg

GRAPHIC

Filename: q226investorpresentation018.jpg · Sequence: 27

Binary file (95542 bytes)

Download q226investorpresentation018.jpg

GRAPHIC

Filename: q226investorpresentation019.jpg · Sequence: 28

Binary file (67214 bytes)

Download q226investorpresentation019.jpg

GRAPHIC

Filename: q226investorpresentation020.jpg · Sequence: 29

Binary file (57043 bytes)

Download q226investorpresentation020.jpg

GRAPHIC

Filename: q226investorpresentation021.jpg · Sequence: 30

Binary file (33976 bytes)

Download q226investorpresentation021.jpg

GRAPHIC

Filename: q226investorpresentation022.jpg · Sequence: 31

Binary file (65311 bytes)

Download q226investorpresentation022.jpg

GRAPHIC

Filename: q226investorpresentation023.jpg · Sequence: 32

Binary file (94854 bytes)

Download q226investorpresentation023.jpg

GRAPHIC

Filename: q226investorpresentation024.jpg · Sequence: 33

Binary file (164082 bytes)

Download q226investorpresentation024.jpg

GRAPHIC

Filename: q226investorpresentation025.jpg · Sequence: 34

Binary file (62584 bytes)

Download q226investorpresentation025.jpg

GRAPHIC

Filename: q226investorpresentation026.jpg · Sequence: 35

Binary file (94361 bytes)

Download q226investorpresentation026.jpg

GRAPHIC

Filename: q226investorpresentation027.jpg · Sequence: 36

Binary file (58669 bytes)

Download q226investorpresentation027.jpg

GRAPHIC

Filename: q226investorpresentation028.jpg · Sequence: 37

Binary file (65401 bytes)

Download q226investorpresentation028.jpg

GRAPHIC

Filename: q226investorpresentation029.jpg · Sequence: 38

Binary file (76782 bytes)

Download q226investorpresentation029.jpg

GRAPHIC

Filename: q226investorpresentation030.jpg · Sequence: 39

Binary file (54590 bytes)

Download q226investorpresentation030.jpg

GRAPHIC

Filename: q226investorpresentation031.jpg · Sequence: 40

Binary file (73140 bytes)

Download q226investorpresentation031.jpg

GRAPHIC

Filename: q226investorpresentation032.jpg · Sequence: 41

Binary file (62338 bytes)

Download q226investorpresentation032.jpg

GRAPHIC

Filename: q226investorpresentation033.jpg · Sequence: 42

Binary file (68078 bytes)

Download q226investorpresentation033.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 44

v3.26.1

Document and Entity Information

Jul. 23, 2026

Entity Information [Line Items]

Amendment Flag

false

Entity Incorporation, State or Country Code

Document Type

8-K

Document Period End Date

Jul. 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

Entity Address, Postal Zip Code

19611

City Area Code

610

Local Phone Number

933-2000

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity Emerging Growth Company

false

Entity Central Index Key

0001488813

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

Trading Symbol

CUBB

Security Exchange Name

NYSE

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_EntityInformationLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

dei_EntityListingsExchangeAxis=exch_XNYS

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_SubordinatedDebtMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type: