Form 8-K

8-K — Customers Bancorp, Inc.

Accession: 0001488813-26-000100

Filed: 2026-10-22

Period: 2026-10-22

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-20261022.htm (Primary)

EX-99.1 (q326pressrelease.htm)

EX-99.2 (q326investorpresentation.htm)

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8-K

8-K (Primary)

Filename: cubi-20261022.htm · Sequence: 1

cubi-20261022

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the

Securities Exchange Act of 1934

Date of Report (date of earliest event reported): October 22, 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 October 22, 2026, Customers Bancorp, Inc. (the "Company") issued a press release announcing unaudited financial information for the quarter ended September 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 October 22, 2026

Exhibit 99.2

Slide presentation dated October 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: October 22, 2026

EXHIBIT INDEX

Exhibit No. Description

99.1

Press Release dated October 22, 2026

99.2

Slide presentation dated October 2026

EX-99.1

EX-99.1

Filename: q326pressrelease.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 Third Quarter 2026

Third Quarter 2026 Highlights

•Q3 2026 net income available to common shareholders was $78.4 million, or $2.25 per diluted share; ROAA was 1.16% and ROCE was 14.0%.

•Total deposits increased $831 million, or 3.8% in Q3 2026 from Q2 2026, and $2.2 billion, or 10.6% from Q3 2025 to a period end record level of $22.6 billion.

•Total loans increased $496 million, or 2.8% in Q3 2026 from Q2 2026, and $2.2 billion, or 13.5% from Q3 2025 to a period end record level of $18.5 billion.

•Non-interest bearing deposits increased $295 million in Q3 2026 compared to Q2 2026 to a period end record level of $7.2 billion, or 31.9% of total deposits.

•Net interest income increased $15 million, or 7.6% in Q3 2026 compared to Q2 2026 to $208 million.

•Q3 2026 efficiency ratio was 47.2% compared to Q2 2026 efficiency ratio of 50.6%, a decline of approximately 340 basis points.

1

CEO Commentary

West Reading, Pa, October 22, 2026 - “I am pleased to share our third 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 third quarter. On our company-wide priorities, we continued to scale our AI-powered loan process, adding additional functionality and increasing utilization. We also successfully completed a pilot of our new deposit onboarding process, opening commercial deposit accounts in minutes rather than days. The recently announced partnership with Palantir is expected to help drive this initiative toward a goal of a best-in-class customer experience and the ability to onboard new customers at scale without losing personal touch. From a team member led perspective, we’re seeing incredible engagement from across the company. Our team doubled the number of agents1 deployed in the quarter and cumulative estimated hours saved reached 76,0002, a nearly 65% increase. Through our efforts, we estimate we have unlocked over $15 million of annualized capacity3. Our goal of decoupling revenue growth from expense growth is well underway as our revenue per employee and pre-tax profit per employee are up 13% and 34%, respectively, annualized as of September 30, 2026.

Our cubiX payments platform also continued to scale, with cumulative network transaction volume surpassing $5.6 trillion inception to date. We saw continued diversification with mortgage finance and real estate verticals now representing more than 30% of our cubiX balances at September 30, 2026.

We continued to strategically and organically grow our loan and deposit portfolios with momentum throughout the organization. We hired 50 revenue producers year-to-date while our total headcount trended lower. Total loans and leases grew by 2.8% in Q3 2026 compared to Q2 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 3.8% in Q3 2026 compared to Q2 2026, and we delivered about $295 million of non-interest bearing deposit growth in Q3 2026. Our new commercial banking teams hired since Q2 2023 added approximately $415 million in deposits with 28% of the growth from non-interest bearing deposits in the third quarter. The growth continued to be granular as we had an increase of approximately 618 commercial accounts on a net basis, or a 2% increase in a single quarter, and the 2025 teams alone added 317 accounts on a net basis in the quarter.

Asset quality remains strong with our NPA ratio at just 0.29% of total assets and reserve levels are robust at 322% of total non-performing loans at the end of Q3 2026. Our capital levels remained strong with a TCE / TA ratio* of 8.0% and Common Equity Tier 1 Ratio4 of 12.6% at September 30, 2026, while our balance sheet grew by 3.4% and we repurchased 492,178 shares of common stock in the quarter.

In the nine months ended September 30, 2026, we once again delivered exceptionally strong growth across key metrics of revenue, core earnings*, and book value per share of 19%, 21%*, and 10%, respectively, when compared to the same period in 2025” Sam Sidhu concluded.

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

1 Includes custom GPTs and other similar AI agent products across major platforms used in the last 6 months.

2 Hours saved reflect self-reported estimates from survey of employees using AI tools. Survey data as of September 17, 2026. Self-reported estimates from periodic surveys of employees using AI tools, captured at time of submission and not subsequently re-measured or validated. Cumulative totals may include savings that have since changed.

3 Represents salary and benefits savings from positions not backfilled and open positions reduced YTD.

4 Regulatory capital ratios as of September 30, 2026 are estimates

2

Key Balance Sheet Trends

Loans and Leases Held for Investment

Loans and leases held for investment were a period end record $18.4 billion at September 30, 2026, up $445 million, or 2.5%, from June 30, 2026. C&I loans and leases increased by $592 million, or 6.8% quarter-over-quarter to $9.3 billion. Non-owner occupied commercial real estate loans increased by $179 million, or 9.5%, to $2.1 billion. Multifamily loans increased by $44 million, or 1.7%, to $2.7 billion. These increases were partially offset by decreases in mortgage finance loans of $259 million, or 15.0% to $1.5 billion, construction loans of $58 million, or 26.7% to $159 million and owner-occupied commercial real estate loans of $49 million, or 3.9% to $1.2 billion.

Within C&I, corporate banking loans and leases increased by $690 million, or 9.7% quarter-over-quarter to $7.8 billion. Geographic and other C&I loans decreased by $98 million, or 5.9% quarter-over-quarter to $1.6 billion.

Loans and leases held for investment of $18.4 billion at September 30, 2026 were up $2.1 billion, or 13.1%, year-over-year. C&I loans and leases increased by $1.2 billion, or 14.8%, year-over-year. Non-owner occupied commercial real estate loans increased by $484 million, or 30.6%. Multifamily loans increased by $312 million, or 13.2%. Owner-occupied commercial real estate loans increased by $162 million, or 15.3%. Consumer installment loans increased by $43 million, or 4.8%. Construction loans increased by $36 million, or 28.9%. Mortgage finance loans decreased by $106 million, or 6.7%.

Within C&I, corporate banking loans and leases increased by $1.2 billion, or 18.4% year-over-year. Geographic and other C&I loans decreased by $4 million, or 0.2%.

Investment Securities

At September 30, 2026, total investment securities were $4.2 billion, an increase of $915 million compared to June 30, 2026 and an increase of $1.4 billion compared to a year ago, driven primarily from purchases of agency MBS and CMO.

At September 30, 2026, the Available-For-Sale (“AFS”) debt securities portfolio had a spot yield of 5.08%, an effective duration of approximately 2.8 years, and approximately 42% are variable rate. Additionally, approximately 84% of the AFS securities portfolio was AAA rated at September 30, 2026.

At September 30, 2026, the Held-To-Maturity (“HTM”) debt securities portfolio represented only 2.2% of total assets, had a spot yield of 3.17% and an effective duration of approximately 4.5 years. Additionally, at September 30, 2026, approximately 75% 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 $831 million, or 3.8% to a period end record $22.6 billion at September 30, 2026 as compared to the prior quarter. The total average cost of deposits remained constant at 2.50% in Q3 2026 and Q2 2026. Total estimated uninsured deposits were $7.6 billion1, or 34% of total deposits at September 30, 2026 with immediately available liquidity covering approximately 151% of these deposits.

Total deposits increased $2.2 billion, or 10.6% to $22.6 billion at September 30, 2026 as compared to a year ago. The total average cost of deposits decreased by 27 basis points to 2.50% in Q3 2026 from 2.77% in Q3 2025.

1 Uninsured deposits (estimate) of $9.8 billion to be reported on the Bank’s call report, less deposits of $1.9 billion collateralized by standby letters of credit from the FHLB and from our affiliates of $293 million.

3

Borrowings

Total borrowings increased $78 million, or 3.4% to $2.4 billion at September 30, 2026 as compared to the prior quarter. This increase primarily resulted from net draws of $80 million in FHLB advances. Total borrowings increased $931 million, or 63.0%, to $2.4 billion at September 30, 2026 as compared to a year ago primarily due to net draws of $950 million in FHLB advances.

Capital

Customers Bancorp’s common equity decreased $13 million to $2.2 billion, and tangible common equity* decreased $13 million to $2.2 billion, at September 30, 2026 compared to the prior quarter, respectively, primarily from an increase in AOCI of $60 million (net of taxes), mostly from increased unrealized losses on AFS debt securities and $38 million of common share repurchases, offset in part by earnings of $78 million. Customers Bancorp’s common equity increased $149 million to $2.2 billion, and tangible common equity* increased $149 million to $2.2 billion, at September 30, 2026 compared to a year ago, respectively, primarily from earnings of $294 million, offset in part by $88 million of common share repurchases and an increase in AOCI of $67 million (net of taxes), mostly from increased unrealized losses on AFS debt securities. Book value per common share increased to $65.77 from $65.31 and $59.83, and tangible book value per common share* increased to $65.66 from $65.20 and $59.72, at September 30, 2026 from June 30, 2026 and September 30, 2025, respectively.

Credit Quality

The provision for credit losses in Q3 2026 was $25 million, compared to $23 million in Q2 2026 and $27 million in Q3 2025.

Net charge-offs were $13 million in Q3 2026, compared to $15 million in Q2 2026 and Q3 2025.

The allowance for credit losses on loans and leases was $172 million at September 30, 2026, compared to $164 million at June 30, 2026 and $152 million at September 30, 2025.

Non-performing loans at September 30, 2026 decreased to 0.29% of total loans and leases, compared to 0.31% at June 30, 2026 and increased, compared to 0.17% at September 30, 2025. Nonperforming loans include the guaranteed portion of SBA loans. As of September 30, 2026, nonperforming loans totaled $53 million, of which approximately $12 million represents the government-guaranteed portion. Excluding the government-guaranteed portion, nonperforming loans totaled approximately $42 million, representing 0.23% of total loans and leases.

Key Profitability Trends

Net Interest Income

Net interest income totaled $208 million in Q3 2026, an increase of $15 million from Q2 2026. This increase was driven by an increase in interest income mainly from investment securities and corporate banking loans and leases.

“Net interest income increased $15 million quarter-over-quarter in the third quarter of 2026. Net interest margin expanded to 3.19% and was impacted by a higher level of cash balances resulting from a timing difference between when we brought in deposits and when we funded loan growth. Our estimated run rate for net interest margin in September was approximately 3.25% which gives us confidence for additional expansion in Q4 2026. This trajectory is driven by expected continued low-cost deposit gathering and margin accretive loan growth,” stated Customers Bancorp CFO Mark McCollom.

Net interest income totaled $208 million in Q3 2026, an increase of $6 million from Q3 2025. This increase was primarily due to higher interest income mainly from corporate banking loans and leases, multifamily loans, non-owner occupied commercial real estate loans and investment securities, partially offset by a decrease in interest earning deposits and lower discount accretion within geographic and other C&I loans.

4

Non-Interest Income

Reported non-interest income totaled $31 million for Q3 2026, a decrease of $3 million compared to $34 million for Q2 2026. The decrease was primarily due to a decrease of $2 million in loan fees mainly from lower gains on stock warrants.

Non-interest income totaled $31 million for Q3 2026, an increase of $1 million compared to Q3 2025. The increase was primarily due to increases in commercial lease income of $4 million, $1 million in other non-interest income primarily from higher income from derivatives and gain on sale of loans and leases, mostly SBA loans in Q3 2026, partially offset by a decrease of $5 million in loan fees primarily due to lower gains on stock warrants.

Non-Interest Expense

Non-interest expenses totaled $113 million in Q3 2026, a decrease of $1 million compared to Q2 2026. The decrease was primarily attributable to decreases of $2 million in professional fees and $3 million in other non-interest expenses mainly due to a benefit to provision for credit losses on unfunded lending commitments and decreases in non-capitalizable loan origination expenses and provision for operating losses partially offset by higher deposit costs. These decreases were partially offset by an increase of $2 million in technology, communication and bank operations mainly for software.

Non-interest expenses totaled $113 million in Q3 2026, an increase of $8 million compared to Q3 2025. The increase was primarily attributable to increases of $8 million in salaries and employee benefits and $4 million in commercial lease depreciation associated with the Bank’s continued growth, $5 million in technology, communication and bank operations mainly for software and processing fees, and $2 million in other non-interest expenses mainly due to higher deposit costs and business development expenses, partially offset by a benefit to provision for credit losses on unfunded lending commitments. These increases were partially offset by decreases of $5 million in professional fees and $4 million in FDIC assessments, non-income taxes and regulatory fees.

Taxes

Income tax expense was $22 million for Q3 2026, compared with $18 million in Q2 2026 and $25 million in Q3 2025. The increase from Q2 2026 reflects higher pretax income and smaller benefit from discrete items. The decrease from Q3 2025 is driven by favorable discrete items, primarily from excess tax benefits on vested stock awards, and the net discount realized on the purchase of energy tax credits. The effective tax rate was 22.1% for Q3 2026, compared with 20.0% for Q2 2026 and 24.5% for Q3 2025.

5

Outlook

“We continued to perform well in the third quarter of 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.

Given our strong performance year-to-date, we are updating our full-year 2026 guidance across the following metrics:

•Loans: 12%+

•Deposits: 9%+

•Net Interest Income: $805 million - $810 million

•Non-interest Expense: $460 million - $465 million

•Tax Rate: 22% to 23%

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 and further benefits from “bottoms up” use cases as they drive increased revenue and improved productivity. We expect this to show up in our financial results through continued increases in our revenue, assets, and pre-tax profit per employee. 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 to close out 2026 and beyond,” concluded Sam Sidhu.

6

Webcast

Date:            Friday, October 23, 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 3rd 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 over $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,” “confident,” 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; technological changes, including acceptance and success of our proprietary B2B instant payments platform, cubiX, which is subject to variety of factors that are difficult to evaluate; 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, which may be exacerbated by our continued development and

7

implementation of generative artificial intelligence, including risks arising from reliance on third-party AI tools, model limitations, data integrity issues or regulatory uncertainty, and the cost of defending against them and any reputational or other financial risks following such a cybersecurity incident; 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.

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CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

FINANCIAL HIGHLIGHTS - UNAUDITED

(Dollars in thousands, except per share data)

Q3 Q2 Q1 Q4 Q3 Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025

GAAP Profitability Metrics:

Net income available to common shareholders

$ 78,383  $ 71,560  $ 69,653  $ 70,088  $ 73,726  $ 219,596  $ 139,095

Per share amounts:

Earnings per share - diluted $ 2.25  $ 2.05  $ 1.97  $ 1.98  $ 2.20  $ 6.28  $ 4.24

Book value per common share

$ 65.77  $ 65.31  $ 63.64  $ 61.87  $ 59.83  $ 65.77  $ 59.83

Return on average assets (“ROAA”)

1.16  % 1.13  % 1.13  % 1.20  % 1.26  % 1.14  % 0.87  %

Return on average common equity (“ROCE”)

14.0  % 13.2  % 13.2  % 13.3  % 15.6  % 13.5  % 10.4  %

Net interest margin, tax equivalent 3.19  % 3.17  % 3.22  % 3.40  % 3.46  % 3.19  % 3.30  %

Efficiency ratio 47.2  % 50.6  % 49.7  % 49.5  % 45.4  % 49.1  % 49.6  %

Non-GAAP Profitability Metrics (1):

Core earnings $ 79,003  $ 71,457  $ 69,445  $ 72,851  $ 73,473  $ 219,905  $ 181,622

Per share amounts:

Core earnings per share - diluted $ 2.27  $ 2.05  $ 1.97  $ 2.06  $ 2.20  $ 6.28  $ 5.54

Tangible book value per common share

$ 65.66  $ 65.20  $ 63.54  $ 61.77  $ 59.72  $ 65.66  $ 59.72

Core ROAA 1.17  % 1.13  % 1.13  % 1.19  % 1.25  % 1.14  % 1.11  %

Core ROCE 14.1  % 13.2  % 13.1  % 13.8  % 15.5  % 13.5  % 13.6  %

Core efficiency ratio 47.2  % 50.6  % 49.7  % 49.5  % 45.4  % 49.1  % 49.7  %

Balance Sheet Trends:

Total assets

$ 27,411,648  $ 26,520,789  $ 25,880,767  $ 24,895,868  $ 24,260,163  $ 27,411,648  $ 24,260,163

Total cash and investment securities

$ 7,798,061  $ 7,437,163  $ 7,454,901  $ 7,078,243  $ 6,997,783  $ 7,798,061  $ 6,997,783

Total loans and leases

$ 18,511,337  $ 18,015,300  $ 17,391,546  $ 16,782,516  $ 16,303,147  $ 18,511,337  $ 16,303,147

Non-interest bearing demand deposits

$ 7,209,138  $ 6,913,804  $ 6,739,713  $ 6,303,748  $ 6,380,879  $ 7,209,138  $ 6,380,879

Total deposits

$ 22,563,833  $ 21,732,897  $ 21,592,645  $ 20,778,704  $ 20,405,023  $ 22,563,833  $ 20,405,023

Asset Quality:

Net charge-offs $ 12,666  $ 14,579  $ 13,255  $ 13,749  $ 15,371  $ 40,500  $ 45,630

Annualized net charge-offs to average total loans and leases 0.28  % 0.34  % 0.32  % 0.33  % 0.39  % 0.31  % 0.40  %

Nonaccrual / non-performing loans (“NPLs”)

$ 53,439  $ 56,022  $ 47,818  $ 43,688  $ 28,421  $ 53,439  $ 28,421

NPLs to total loans and leases

0.29  % 0.31  % 0.27  % 0.26  % 0.17  % 0.29  % 0.17  %

Reserves to NPLs

322.10  % 292.93  % 336.61  % 356.29  % 534.14  % 322.10  % 534.14  %

Non-performing assets (“NPAs”)

$ 79,033  $ 85,661  $ 74,737  $ 72,344  $ 61,057  $ 79,033  $ 61,057

NPAs to total assets

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

9

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

FINANCIAL HIGHLIGHTS - UNAUDITED (CONTINUED)

(Dollars in thousands, except per share data)

Q3 Q2 Q1 Q4 Q3 Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025

Capital Metrics:

Common equity to total assets

8.0  % 8.3  % 8.3  % 8.5  % 8.4  % 8.0  % 8.4  %

Tangible common equity to tangible assets (1)

8.0  % 8.3  % 8.3  % 8.5  % 8.4  % 8.0  % 8.4  %

Common equity Tier 1 capital ratio (2)

12.6  % 12.9  % 12.9  % 13.0  % 13.0  % 12.6  % 13.0  %

Total risk based capital ratio (2)

14.5  % 14.8  % 14.9  % 15.4  % 15.3  % 14.5  % 15.3  %

Customers Bank Capital Ratios (2):

Common equity Tier 1 capital to risk-weighted assets 13.4  % 13.6  % 13.8  % 13.3  % 13.2  % 13.4  % 13.2  %

Total capital to risk-weighted assets 14.4  % 14.5  % 14.8  % 14.6  % 14.6  % 14.4  % 14.6  %

Tier 1 capital to average assets (leverage ratio) 9.1  % 9.3  % 9.4  % 8.9  % 8.8  % 9.5  % 8.8  %

Share amounts:

Average shares outstanding - basic 33,708,023  33,796,369  34,080,834  34,170,777  32,340,813  33,860,376  31,794,547

Average shares outstanding - diluted 34,793,166  34,905,731  35,313,835  35,396,324  33,460,055  34,990,096  32,778,447

Shares outstanding

33,340,010  33,772,598  33,692,632  34,191,223  34,163,506  33,340,010  34,163,506

(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 Q3 2026 and actual for the remaining periods.

10

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED

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

Q3 Q2 Q1 Q4 Q3 September 30,

2026 2026 2026 2025 2025 2026 2025

Interest income:

Loans and leases $ 282,865  $ 268,628  $ 258,734  $ 274,752  $ 272,131  $ 810,227  $ 750,008

Investment securities 45,663  34,727  32,141  31,979  36,091  112,531  107,811

Interest earning deposits 36,548  37,628  41,830  44,862  49,639  116,006  132,525

Loans held for sale 2,896  1,280  1,235  1,432  1,589  5,411  8,156

Other 2,785  2,394  2,372  2,173  2,029  7,551  5,889

Total interest income 370,757  344,657  336,312  355,198  361,479  1,051,726  1,004,389

Interest expense:

Deposits 139,439  130,296  126,126  131,797  141,983  395,861  407,336

FHLB advances 19,216  17,109  12,935  14,490  12,945  49,260  37,463

Subordinated debt 2,723  2,723  4,621  3,355  3,251  10,067  9,692

Federal funds purchased 16  99  13  —  —  128  —

Other borrowings 1,285  1,064  1,266  1,128  1,388  3,615  3,837

Total interest expense 162,679  151,291  144,961  150,770  159,567  458,931  458,328

Net interest income 208,078  193,366  191,351  204,428  201,912  592,795  546,061

Provision for credit losses 25,434  23,067  23,372  22,337  26,543  71,873  75,621

Net interest income after provision for credit losses 182,644  170,299  167,979  182,091  175,369  520,922  470,440

Non-interest income:

Commercial lease income 15,955  15,392  15,418  14,186  11,536  46,765  33,260

Loan fees 6,249  8,673  10,506  7,420  11,443  25,428  27,784

Bank-owned life insurance 2,254  2,213  3,084  2,189  2,165  7,551  9,074

Mortgage finance transactional fees 1,308  1,332  1,306  1,339  1,298  3,946  3,406

Net gain (loss) on sale of loans and leases 964  1,061  1,044  (62) —  3,069  2

Net gain (loss) on sale of investment securities (292) 154  355  (27) 186  217  (1,611)

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

Other 4,928  5,218  2,603  7,471  3,563  12,749  14,711

Total non-interest income 31,366  34,043  34,316  32,516  30,191  99,725  35,307

Non-interest expense:

Salaries and employee benefits 56,269  56,037  51,294  51,744  48,723  163,600  137,245

Technology, communication and bank operations 15,107  12,891  11,643  11,388  10,415  39,641  32,109

Commercial lease depreciation 13,166  12,761  12,692  11,668  9,463  38,619  26,669

Professional services 7,766  10,024  11,695  12,390  12,281  29,485  37,988

Loan servicing 3,915  3,710  3,859  4,050  4,167  11,484  12,850

Occupancy 3,657  3,495  3,956  4,291  4,370  11,108  11,333

FDIC assessments, non-income taxes and regulatory fees 4,727  4,585  8,215  9,023  8,505  17,527  32,161

Advertising and promotion 476  481  554  812  636  1,511  1,625

Other 8,313  10,907  8,080  11,943  6,657  27,300  22,634

Total non-interest expense 113,396  114,891  111,988  117,309  105,217  340,275  314,614

Income before income tax expense 100,614  89,451  90,307  97,298  100,343  280,372  191,133

Income tax expense 22,231  17,891  20,654  22,806  24,598  60,776  41,537

Net income 78,383  71,560  69,653  74,492  75,745  219,596  149,596

Preferred stock dividends —  —  —  1,605  2,019  —  8,593

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

Net income available to common shareholders $ 78,383  $ 71,560  $ 69,653  $ 70,088  $ 73,726  $ 219,596  $ 139,095

Basic earnings per common share $ 2.33  $ 2.12  $ 2.04  $ 2.05  $ 2.28  $ 6.49  $ 4.37

Diluted earnings per common share 2.25  2.05  1.97  1.98  2.20  6.28  4.24

11

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEET - UNAUDITED

(Dollars in thousands)

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

2026 2026 2026 2025 2025

ASSETS

Cash and due from banks $ 95,500  $ 85,546  $ 89,153  $ 62,051  $ 57,951

Interest earning deposits 3,529,465  4,093,306  4,709,051  4,349,412  4,127,688

Cash and cash equivalents 3,624,965  4,178,852  4,798,204  4,411,463  4,185,639

Investment securities, at fair value 3,571,796  2,626,717  1,993,152  1,937,646  2,010,820

Investment securities held to maturity 601,300  631,594  663,545  729,134  801,324

Loans held for sale 109,509  58,611  20,282  26,102  30,897

Loans and leases receivable 16,922,448  16,217,068  15,519,493  15,041,340  14,673,636

Loans receivable, mortgage finance, at fair value 1,400,573  1,654,795  1,758,685  1,612,997  1,486,978

Loans receivable, installment, at fair value 78,807  84,826  93,086  102,077  111,636

Allowance for credit losses on loans and leases (172,125) (164,106) (160,962) (155,656) (151,809)

Total loans and leases receivable, net of allowance for credit losses on loans and leases 18,229,703  17,792,583  17,210,302  16,600,758  16,120,441

FHLB, Federal Reserve Bank, and other restricted stock 146,161  144,971  117,880  110,411  103,290

Accrued interest receivable 113,421  103,125  105,002  103,626  106,379

Bank premises and equipment, net 19,191  19,773  15,749  16,745  15,340

Bank-owned life insurance 312,480  310,312  306,927  305,503  303,212

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

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

Other assets 666,925  638,054  633,589  638,419  566,760

Total assets $ 27,411,648  $ 26,520,789  $ 25,880,767  $ 24,895,868  $ 24,260,163

LIABILITIES AND SHAREHOLDERS’ EQUITY

Demand, non-interest bearing deposits $ 7,209,138  $ 6,913,804  $ 6,739,713  $ 6,303,748  $ 6,380,879

Interest bearing deposits 15,354,695  14,819,093  14,852,932  14,474,956  14,024,144

Total deposits 22,563,833  21,732,897  21,592,645  20,778,704  20,405,023

Federal funds purchased —  —  70,000  —  —

FHLB advances 2,137,182  2,059,163  1,561,655  1,325,068  1,195,437

Other borrowings 99,313  99,278  99,243  99,208  99,173

Subordinated debt 171,867  171,741  171,614  281,147  182,718

Accrued interest payable and other liabilities 246,753  252,018  241,310  296,224  251,753

Total liabilities 25,218,948  24,315,097  23,736,467  22,780,351  22,134,104

Preferred stock —  —  —  —  82,201

Common stock 36,544  36,485  36,312  36,189  36,161

Additional paid in capital 675,689  669,114  669,112  666,756  662,252

Retained earnings 1,754,790  1,676,407  1,604,847  1,535,194  1,465,106

Accumulated other comprehensive income (loss), net (118,011) (58,346) (54,657) (54,050) (51,089)

Treasury stock, at cost (156,312) (117,968) (111,314) (68,572) (68,572)

Total shareholders’ equity 2,192,700  2,205,692  2,144,300  2,115,517  2,126,059

Total liabilities and shareholders’ equity $ 27,411,648  $ 26,520,789  $ 25,880,767  $ 24,895,868  $ 24,260,163

12

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

AVERAGE BALANCE SHEET / NET INTEREST MARGIN - UNAUDITED

(Dollars in thousands)

Three Months Ended

September 30, 2026 June 30, 2026 September 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 $ 3,899,455  $ 36,548  3.67% $ 4,064,683  $ 37,628  3.66% $ 4,409,220  $ 49,639  4.47%

Investment securities (1)

3,925,752  45,663  4.65% 2,982,966  34,727  4.66% 2,931,351  36,091  4.88%

Loans and leases:

Commercial and industrial loans and leases: (2)

Corporate banking loans and leases 7,851,715  132,916  6.72% 7,513,518  127,198  6.79% 6,664,038  123,660  7.36%

Geographic and other commercial and industrial loans 2,202,293  35,560  6.41% 2,240,142  34,626  6.20% 2,145,416  48,467  8.96%

Mortgage finance loans 1,509,016  18,310  4.81% 1,590,328  17,078  4.31% 1,478,871  18,454  4.95%

Multifamily loans 2,668,582  32,060  4.77% 2,492,956  29,118  4.68% 2,306,373  25,931  4.46%

Non-owner occupied commercial real estate loans 2,103,198  32,440  6.12% 2,003,968  29,842  5.97% 1,635,937  24,148  5.86%

Residential mortgages 540,836  6,504  4.80% 527,816  6,265  4.75% 551,436  6,647  4.78%

Installment loans 1,032,560  27,971  10.75% 947,935  25,781  10.91% 938,890  26,413  11.16%

Total loans and leases (3)

17,908,200  285,761  6.33% 17,316,663  269,908  6.25% 15,720,961  273,720  6.91%

Other interest-earning assets 185,860  2,785  5.95% 174,621  2,394  5.50% 140,011  2,029  5.75%

Total interest-earning assets 25,919,267  370,757  5.67% 24,538,933  344,657  5.62% 23,201,543  361,479  6.19%

Non-interest-earning assets 840,905  828,466  729,180

Total assets $ 26,760,172  $ 25,367,399  $ 23,930,723

Liabilities

Interest checking accounts $ 5,296,900  $ 43,330  3.25% $ 5,075,436  $ 41,077  3.25% $ 4,983,168  $ 48,105  3.83%

Money market deposit accounts 5,122,505  44,997  3.49% 4,593,765  39,880  3.48% 4,360,446  42,980  3.91%

Other savings accounts 1,501,599  12,755  3.37% 1,655,029  13,943  3.38% 1,485,652  14,724  3.93%

Certificates of deposit 3,684,179  38,357  4.13% 3,438,721  35,396  4.13% 3,108,831  36,174  4.62%

Total interest-bearing deposits (4)

15,605,183  139,439  3.55% 14,762,951  130,296  3.54% 13,938,097  141,983  4.04%

Federal funds purchased 1,576  16  4.00% 10,659  99  3.75% —  —  —%

Borrowings 2,140,676  23,224  4.31% 1,989,478  20,896  4.21% 1,429,981  17,584  4.88%

Total interest-bearing liabilities 17,747,435  162,679  3.64% 16,763,088  151,291  3.62% 15,368,078  159,567  4.12%

Non-interest-bearing deposits (4)

6,529,941  6,183,251  6,362,360

Total deposits and borrowings 24,277,376  2.66% 22,946,339  2.64% 21,730,438  2.91%

Other non-interest-bearing liabilities 254,503  249,563  239,969

Total liabilities 24,531,879  23,195,902  21,970,407

Shareholders’ equity 2,228,293  2,171,497  1,960,316

Total liabilities and shareholders’ equity $ 26,760,172  $ 25,367,399  $ 23,930,723

Net interest income 208,078  193,366  201,912

Tax-equivalent adjustment 672  790  360

Net interest earnings $ 208,750  $ 194,156  $ 202,272

Interest spread 3.02% 2.98% 3.27%

Net interest margin 3.18% 3.15% 3.46%

Net interest margin tax equivalent (5)

3.19% 3.17% 3.46%

(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%, 2.50% and 2.77% for the three months ended September 30, 2026, June 30, 2026 and September 30, 2025, respectively.

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

13

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

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

(Dollars in thousands)

Nine Months Ended

September 30, 2026 September 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 $ 4,150,858  $ 116,006  3.69% $ 3,946,022  $ 132,525  4.49%

Investment securities (1)

3,219,193  112,531  4.66% 2,973,600  107,811  4.85%

Loans and leases:

Commercial and industrial loans and leases: (2)

Corporate banking loans and leases 7,493,019  380,493  6.79% 6,286,158  352,792  7.50%

Geographic and other commercial and industrial loans 2,217,325  106,870  6.44% 2,082,261  116,935  7.51%

Mortgage finance loans 1,537,735  51,638  4.49% 1,411,814  51,555  4.88%

Multifamily loans 2,552,765  89,427  4.68% 2,299,335  74,876  4.35%

Non-owner occupied commercial real estate loans 2,005,840  89,993  6.00% 1,589,446  68,715  5.78%

Residential mortgages 531,043  19,009  4.77% 539,762  19,219  4.76%

Installment loans 964,415  78,208  10.84% 919,021  74,072  10.78%

Total loans and leases (3)

17,302,142  815,638  6.30% 15,127,797  758,164  6.70%

Other interest-earning assets 172,564  7,551  5.85% 133,921  5,889  5.88%

Total interest-earning assets 24,844,757  1,051,726  5.65% 22,181,340  1,004,389  6.05%

Non-interest-earning assets 844,846  694,136

Total assets $ 25,689,603  $ 22,875,476

Liabilities

Interest checking accounts $ 5,123,095  $ 124,430  3.25% $ 5,090,947  $ 145,253  3.81%

Money market deposit accounts 4,696,501  121,517  3.46% 4,128,528  121,144  3.92%

Other savings accounts 1,578,500  40,278  3.41% 1,322,135  38,182  3.86%

Certificates of deposit 3,527,369  109,636  4.16% 2,905,047  102,757  4.73%

Total interest-bearing deposits (4)

14,925,465  395,861  3.55% 13,446,657  407,336  4.05%

Federal funds purchased 4,535  128  3.78% —  —  —%

Borrowings 1,949,119  62,942  4.31% 1,398,401  50,992  4.88%

Total interest-bearing liabilities 16,879,119  458,931  3.63% 14,845,058  458,328  4.13%

Non-interest-bearing deposits (4)

6,369,545  5,891,249

Total deposits and borrowings 23,248,664  2.64% 20,736,307  2.95%

Other non-interest-bearing liabilities 258,502  235,938

Total liabilities 23,507,166  20,972,245

Shareholders’ equity 2,182,437  1,903,231

Total liabilities and shareholders’ equity $ 25,689,603  $ 22,875,476

Net interest income 592,795  546,061

Tax-equivalent adjustment 1,719  1,089

Net interest earnings $ 594,514  $ 547,150

Interest spread 3.01% 3.10%

Net interest margin 3.18% 3.29%

Net interest margin tax equivalent (5)

3.19% 3.30%

(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 2.49% and 2.82% for the nine months ended September 30, 2026 and 2025, respectively.

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

14

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

PERIOD END LOAN AND LEASE COMPOSITION - UNAUDITED

(Dollars in thousands)

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

2026 2026 2026 2025 2025

Loans and leases held for investment

Commercial:

Commercial and industrial:

Corporate banking $ 7,786,058  $ 7,095,862  $ 6,815,740  $ 6,529,609  $ 6,575,844

Geographic and other 1,560,267  1,658,693  1,586,215  1,594,182  1,563,949

Mortgage finance

1,470,758  1,730,041  1,831,408  1,700,380  1,577,038

Multifamily 2,668,192  2,623,964  2,510,697  2,490,336  2,356,590

Commercial real estate owner occupied 1,221,205  1,270,575  1,279,501  1,135,119  1,058,741

Commercial real estate non-owner occupied 2,066,642  1,888,040  1,742,989  1,738,821  1,582,332

Construction 158,914  216,832  204,999  162,966  123,290

Total commercial loans and leases 16,932,036  16,484,007  15,971,549  15,351,413  14,837,784

Consumer:

Residential 512,410  508,187  495,458  497,567  514,544

Manufactured housing 23,451  24,763  26,065  27,452  28,749

Installment:

Personal 645,794  647,149  599,302  581,340  570,768

Other 288,137  292,583  278,890  298,642  320,405

Total installment loans 933,931  939,732  878,192  879,982  891,173

Total consumer loans 1,469,792  1,472,682  1,399,715  1,405,001  1,434,466

Total loans and leases held for investment $ 18,401,828  $ 17,956,689  $ 17,371,264  $ 16,756,414  $ 16,272,250

Loans held for sale

Commercial:

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

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

Consumer:

Residential 3,169  2,528  1,767  1,851  2,229

Installment:

Personal 104,626  53,101  17,056  23,357  23,728

Other 1,714  2,982  1,459  894  240

Total installment loans 106,340  56,083  18,515  24,251  23,968

Total consumer loans 109,509  58,611  20,282  26,102  26,197

Total loans held for sale $ 109,509  $ 58,611  $ 20,282  $ 26,102  $ 30,897

Total loans and leases portfolio $ 18,511,337  $ 18,015,300  $ 17,391,546  $ 16,782,516  $ 16,303,147

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

PERIOD END DEPOSIT COMPOSITION - UNAUDITED

(Dollars in thousands)

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

2026 2026 2026 2025 2025

Demand, non-interest bearing $ 7,209,138  $ 6,913,804  $ 6,739,713  $ 6,303,748  $ 6,380,879

Demand, interest bearing 5,104,467  5,107,649  5,085,040  5,049,151  5,050,437

Total demand deposits 12,313,605  12,021,453  11,824,753  11,352,899  11,431,316

Savings 1,446,920  1,555,932  1,742,652  1,731,010  1,554,533

Money market 5,147,263  4,592,851  4,604,981  4,398,827  4,339,371

Time deposits 3,656,045  3,562,661  3,420,259  3,295,968  3,079,803

Total deposits $ 22,563,833  $ 21,732,897  $ 21,592,645  $ 20,778,704  $ 20,405,023

15

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

ASSET QUALITY - UNAUDITED

(Dollars in thousands)

As of September 30, 2026 As of June 30, 2026 As of September 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 and industrial

$ 9,416,510  $ 39,790  0.42  % $ 8,829,801  $ 40,158  0.45  % $ 8,229,853  $ 34,395  0.42  %

Multifamily 2,668,192  48,328  1.81  % 2,623,964  29,324  1.12  % 2,356,590  19,973  0.85  %

Commercial real estate owner occupied 1,221,205  4,451  0.36  % 1,270,575  10,226  0.80  % 1,058,741  10,991  1.04  %

Commercial real estate non-owner occupied 2,066,642  10,157  0.49  % 1,888,040  13,503  0.72  % 1,582,332  19,784  1.25  %

Construction 158,914  1,633  1.03  % 216,832  2,803  1.29  % 123,290  1,978  1.60  %

Total commercial loans and leases receivable 15,531,463  104,359  0.67  % 14,829,212  96,014  0.65  % 13,350,806  87,121  0.65  %

Consumer:

Residential 512,410  6,749  1.32  % 508,187  6,251  1.23  % 514,544  6,345  1.23  %

Manufactured housing 23,451  2,493  10.63  % 24,763  3,244  13.10  % 28,749  3,508  12.20  %

Installment 855,124  58,524  6.84  % 854,906  58,597  6.85  % 779,537  54,835  7.03  %

Total consumer loans receivable 1,390,985  67,766  4.87  % 1,387,856  68,092  4.91  % 1,322,830  64,688  4.89  %

Loans and leases receivable held for investment

16,922,448  172,125  1.02  % 16,217,068  164,106  1.01  % 14,673,636  151,809  1.03  %

Loans receivable, mortgage finance, at fair value 1,400,573  —  —  % 1,654,795  —  —  % 1,486,978  —  —  %

Loans receivable, installment, at fair value 78,807  —  —  % 84,826  —  —  % 111,636  —  —  %

Loans held for sale 109,509  —  —  % 58,611  —  —  % 30,897  —  —  %

Total loans and leases portfolio $ 18,511,337  $ 172,125  0.93  % $ 18,015,300  $ 164,106  0.91  % $ 16,303,147  $ 151,809  0.93  %

16

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

ASSET QUALITY - UNAUDITED (CONTINUED)

(Dollars in thousands)

As of September 30, 2026 As of June 30, 2026 As of September 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 and industrial

$ 25,507  0.27  % 156.00  % $ 22,828  0.26  % 175.92  % $ 4,430  0.05  % 776.41  %

Multifamily 9,360  0.35  % 516.32  % 14,205  0.54  % 206.43  % —  —  % —  %

Commercial real estate owner occupied 5,550  0.45  % 80.20  % 5,692  0.45  % 179.66  % 3,932  0.37  % 279.53  %

Commercial real estate non-owner occupied 135  0.01  % 7523.70  % 135  0.01  % 10002.22  % —  —  % —  %

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

Total commercial loans and leases receivable 40,552  0.26  % 257.35  % 42,860  0.29  % 224.02  % 8,362  0.06  % 1041.87  %

Consumer:

Residential 6,178  1.21  % 109.24  % 6,740  1.33  % 92.74  % 7,631  1.48  % 83.15  %

Manufactured housing 1,015  4.33  % 245.62  % 1,047  4.23  % 309.84  % 1,315  4.57  % 266.77  %

Installment 4,218  0.49  % 1387.48  % 4,075  0.48  % 1437.96  % 4,225  0.54  % 1297.87  %

Total consumer loans receivable 11,411  0.82  % 593.87  % 11,862  0.85  % 574.03  % 13,171  1.00  % 491.14  %

Loans and leases receivable 51,963  0.31  % 331.25  % 54,722  0.34  % 299.89  % 21,533  0.15  % 705.01  %

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

Loans receivable, installment, at fair value 1,326  1.68  % —  % 1,231  1.45  % —  % 1,872  1.68  % —  %

Loans held for sale 150  0.14  % —  % 69  0.12  % —  % 5,016  16.23  % —  %

Total loans and leases portfolio $ 53,439  0.29  % 322.10  % $ 56,022  0.31  % 292.93  % $ 28,421  0.17  % 534.14  %

17

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

NET CHARGE-OFFS/(RECOVERIES) - UNAUDITED

(Dollars in thousands)

Q3 Q2 Q1 Q4 Q3 Nine Months Ended September 30,

2026

2026 2026

2025

2025

2026 2025

Loan type

Commercial and industrial

$ 5,584  $ 2,648  $ 2,576  $ 1,620  $ 2,180  $ 10,808  $ 9,282

Multifamily (251) 4,880  2,630  4,612  —  7,259  3,834

Commercial real estate owner occupied (175) (332) (5) (40) 335  (512) 762

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

Construction —  —  —  —  —  —  (6)

Residential —  20  —  16  25  20  21

Installment 7,508  7,363  8,054  7,766  9,758  22,925  28,664

Total net charge-offs (recoveries) from loans held for investment $ 12,666  $ 14,579  $ 13,255  $ 13,749  $ 15,371  $ 40,500  $ 45,630

CUSTOMERS BANCORP, INC. AND SUBSIDIARIES

LOANS AND LEASES RISK RATINGS - UNAUDITED

(Dollars in thousands)

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

2026 2026 2026 2025 2025

Loans and leases (1) risk ratings:

Commercial loans and leases

Pass $ 15,124,187  $ 14,434,943  $ 13,803,943  $ 13,316,507  $ 12,927,467

Special Mention

134,422  132,704  159,714  216,462  187,794

Substandard

268,813  257,517  245,028  200,779  230,079

Total commercial loans and leases 15,527,422  14,825,164  14,208,685  13,733,748  13,345,340

Consumer loans

Performing 1,379,482  1,375,438  1,294,311  1,287,408  1,308,987

Non-performing 11,503  12,418  12,318  15,516  13,843

Total consumer loans 1,390,985  1,387,856  1,306,629  1,302,924  1,322,830

Loans and leases receivable (1)

$ 16,918,407  $ 16,213,020  $ 15,515,314  $ 15,036,672  $ 14,668,170

(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.

18

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

Nine Months Ended

September 30,

Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 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 $ 78,383  $ 2.25  $ 71,560  $ 2.05  $ 69,653  $ 1.97  $ 70,088  $ 1.98  $ 73,726  $ 2.20  $ 219,596  $ 6.28  $ 139,095  $ 4.24

Reconciling items (after tax):

Impairment loss on debt securities —  —  —  —  —  —  —  —  —  —  —  —  39,875  1.22

(Gains) losses on investment securities 620  0.02  (103) 0.00  (208) (0.01) (36) 0.00  (253) (0.01) 309  0.01  1,011  0.03

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

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

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

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

Core earnings $ 79,003  $ 2.27  $ 71,457  $ 2.05  $ 69,445  $ 1.97  $ 72,851  $ 2.06  $ 73,473  $ 2.20  $ 219,905  $ 6.28  $ 181,622  $ 5.54

Core Return on Average Assets - Customers Bancorp

Nine Months Ended

September 30,

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

GAAP net income $ 78,383  $ 71,560  $ 69,653  $ 74,492  $ 75,745  $ 219,596  $ 149,596

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

(Gains) losses on investment securities 620  (103) (208) (36) (253) 309  1,011

Derivative credit valuation adjustment —  —  —  —  —  —  210

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

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

Core earnings

$ 79,003  $ 71,457  $ 69,445  $ 74,456  $ 75,492  $ 219,905  $ 190,215

Average total assets

$ 26,760,172  $ 25,367,399  $ 24,920,977  $ 24,721,373  $ 23,930,723  $ 25,689,603  $ 22,875,476

Core return on average assets 1.17  % 1.13  % 1.13  % 1.19  % 1.25  % 1.14  % 1.11  %

19

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

Nine Months Ended

September 30,

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

GAAP net income to common shareholders $ 78,383  $ 71,560  $ 69,653  $ 70,088  $ 73,726  $ 219,596  $ 139,095

Reconciling items (after tax):

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

(Gains) losses on investment securities 620  (103) (208) (36) (253) 309  1,011

Derivative credit valuation adjustment —  —  —  —  —  —  210

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

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

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

Core earnings $ 79,003  $ 71,457  $ 69,445  $ 72,851  $ 73,473  $ 219,905  $ 181,622

Average total common shareholders’ equity

$ 2,228,293  $ 2,171,497  $ 2,146,518  $ 2,093,510  $ 1,878,115  $ 2,182,437  $ 1,787,227

Core return on average common equity 14.1  % 13.2  % 13.1  % 13.8  % 15.5  % 13.5  % 13.6  %

Core Efficiency Ratio - Customers Bancorp

Nine Months Ended

September 30,

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

GAAP net interest income $ 208,078  $ 193,366  $ 191,351  $ 204,428  $ 201,912  $ 592,795  $ 546,061

GAAP non-interest income (loss)

$ 31,366  $ 34,043  $ 34,316  $ 32,516  $ 30,191  $ 99,725  $ 35,307

(Gains) losses on investment securities 796  (130) (269) (47) (334) 397  1,303

Derivative credit valuation adjustment —  —  —  —  —  —  270

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

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

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

Core non-interest income 32,162  33,913  34,047  32,469  29,857  100,122  87,577

Core revenue $ 240,240  $ 227,279  $ 225,398  $ 236,897  $ 231,769  $ 692,917  $ 633,638

GAAP non-interest expense $ 113,396  $ 114,891  $ 111,988  $ 117,309  $ 105,217  $ 340,275  $ 314,614

Core non-interest expense $ 113,396  $ 114,891  $ 111,988  $ 117,309  $ 105,217  $ 340,275  $ 314,614

Core efficiency ratio (1)

47.2  % 50.6  % 49.7  % 49.5  % 45.4  % 49.1  % 49.7  %

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

20

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) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025

GAAP total shareholders’ equity

$ 2,192,700  $ 2,205,692  $ 2,144,300  $ 2,115,517  $ 2,126,059

Reconciling items:

Preferred stock —  —  —  —  (82,201)

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

Tangible common equity $ 2,189,071  $ 2,202,063  $ 2,140,671  $ 2,111,888  $ 2,040,229

GAAP total assets $ 27,411,648  $ 26,520,789  $ 25,880,767  $ 24,895,868  $ 24,260,163

Reconciling items:

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

Tangible assets $ 27,408,019  $ 26,517,160  $ 25,877,138  $ 24,892,239  $ 24,256,534

Tangible common equity to tangible assets 8.0  % 8.3  % 8.3  % 8.5  % 8.4  %

Tangible Book Value per Common Share - Customers Bancorp

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

GAAP total shareholders’ equity

$ 2,192,700  $ 2,205,692  $ 2,144,300  $ 2,115,517  $ 2,126,059

Reconciling Items:

Preferred stock —  —  —  —  (82,201)

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

Tangible common equity $ 2,189,071  $ 2,202,063  $ 2,140,671  $ 2,111,888  $ 2,040,229

Common shares outstanding 33,340,010  33,772,598  33,692,632  34,191,223  34,163,506

Tangible book value per common share $ 65.66  $ 65.20  $ 63.54  $ 61.77  $ 59.72

21

EX-99.2

EX-99.2

Filename: q326investorpresentation.htm · Sequence: 3

q326investorpresentation

1 Q3’26 1 October 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,” “confident,” 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; technological changes, including acceptance and success of our proprietary B2B instant payments platform, cubiX, which subject to a variety of factors that are difficult to evaluate; 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, which may be exacerbated by our continued development and implementation of generative artificial intelligence, including risks arising from reliance on third-party artificial intelligence tools, model limitations, data integrity issues or regulatory uncertainty, and the cost of defending against them and any reputational or other financial risks following such a cybersecurity incident; 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 860 | Total Assets $27.4B Data as of 9/30/2026 Customers Bancorp, Inc. 1. Non-GAAP measure, refer to appendix for reconciliation 2. As of December 2025 3. The Qualtrics U.S. Banking Relational Net Promoter® Score (NPS®) benchmark is derived from Qualtrics' vast Customer Experience dataset. The dataset includes 2022-2023 anonymized results from 50+ U.S. banking organizations, covering 80+ separate relationship surveys, and encompassing 400,000 individual survey respondents Key Balance Sheet Stats Delivering exceptional growth across the Bank Total Assets Total Loans Total Deposits TBVPS1 Q3’26 ($) 27.4B 18.5B 22.6B 65.66 YoY Growth (%) 13 14 11 10 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 Q3’26 Key Accomplishments 1. Teams hired since Q2’23 2. 2026 proxy peers most recent quarter (“MRQ”); MRQ represents Q3’26 for proxy peer banks that have reported earnings data before October 22, 2026. Otherwise represents Q2’26 data 3. Non-GAAP measure, refer to appendix for reconciliation 4. Q4’2019 to Q3’2026 5. CET1 is estimated pending final regulatory report Record period end loans of $18.5 billion 3% loan growth QoQ 14% loan growth YoY Diversified across the franchise with multiple verticals contributing to growth Record period end deposits of $22.6 billion Record period end $7.2 billion non-interest bearing (“NIB”) deposits, or 32% of total deposits New commercial banking teams1 added approximately $415 million of deposits QoQ Solid Loan GrowthAccretive Deposit Performance NII increased 8% QoQ Growth in quarter accretive to margin expansion Robust low-cost deposit and loan pipelines expected to drive margin expansion Net Interest Income (NII) & Net Interest Margin (NIM) CET1 ratio of 12.6%5 even with $0.5B of loan growth QoQ Approximately 500k shares repurchased during the quarter Tangible book value approached $66 per share3 YoY growth of 10% Approximately 15% CAGR since 20194 Strong Capital & LiquidityTangible Book Value Growth Non-interest expense as percent of average assets of 1.68% is among the lowest of regional bank peers2 Efficiency ratio improved approximately 340 bps QoQ 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 BAN C O RP, IN C . / ALL RIG HTS RESERVED AI & AUTOMATION Leading the AI Transformation Among Peer Banks1 Revenue per employee2 $ thousands Pre-tax profit per employee3 $ thousands Avg. assets per employee4 $ millions Cumulative hours saved6 thousands of hours $910 $981 $1,105 2024 2025 Q3’26 ann. +13% $286 $346 $464 2024 2025 Q3’26 ann. +34% $27.2 $27.9 $31.1 2024 2025 Q3’26 ann. +11% 1. US Banks with $10-$100 billion in assets. Source S&P Cap IQ 2. Revenue / employee = (GAAP Net Interest Income + GAAP Non-Interest Income) ÷ Average FTE. Average FTE is the simple average of the four quarter-end FTE counts for 2024 and 2025; Q3’26 annualized represents FTE at Q3’26. 3. Pre-Tax Profit / employee = GAAP Income Before Income Tax Expense ÷ Average FTE. Average FTE is the simple average of four quarter-end FTE counts for 2024 and 2025; Q3’26 annualized represents FTE at Q3’26. 4. Average Assets / employee = Average Total Assets ÷ Average FTE. Average FTE is the simple average of four quarter-end FTE counts for 2024 and 2025; Q3’26 annualized represents FTE at Q3’26. 5. 1H26, annualized 6. Hours saved reflect self-reported estimates from survey of employees using AI tools. Survey data as of September 17, 2026. Self-reported estimates from periodic surveys of employees using AI tools, captured at time of submission and not subsequently re- measured or validated. Cumulative totals may include savings that have since changed. 7. Represents salary and benefits savings from positions not backfilled and open positions reduced YTD. K e y T a k e a w a y s • Teams spend less time on manual processing and more on clients, while revenue, profit and assets per employee rise • 60% of new positions filled since Q1 were revenue producers • $2.5B balance sheet growth with a leaner team +6% revenue producers #1 among peer banks2,5 Top 5 among peer banks3,5 #1 among peer banks4,5 28 46 76 Q1’26 Q2’26 Q3’26 2.7x+ $15M+ capacity7 unlocked YTD Q1’26 Q3’26 905 860 Revenue Enablers Revenue Producers FTE: Q1 vs. Q3 Current

7 © 2026 C USTO M ERS BAN C O RP, IN C . / ALL RIG HTS RESERVED New Industries Are Plugging Into cubiX Accelerating Industry Adoption LIVE & SCALING Digital Assets Mortgage Finance Real Estate BUILDING Correspondent Banking 2.0 Capital Markets cubiX future growth drivers Real estate Firms arriving pre-integrated through leading closing-software platforms Capital Markets Extended hours trading for traditional finance exchanges Correspondent banking Routable sub-ledgers for bank-to-bank and cross-border flows Growing accounts in existing verticals Accounts up 19% in Q3, with real estate and mortgage finance driving new client growth cubiX deposit balance mix1 % of ending balances 1. Calculated as the ending deposit balances of the digital assets (“DA”), mortgage finance and real estate payments verticals 100% FY 2025 69% 19% 12% Q3’26 20% DA Mortgage Finance Real Estate Instant Payments Platform RTP FedNow Wires ACH cubiX PAYMENTS

8 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED ORGANIC GROWTH Deposit Franchise Transformation Led by Team Recruitment 1. Includes 2023–2025 vintage commercial banking teams hired Q2’23–Q4’25 2. Includes revenue producing team members that have joined or signed contracts to join year-to-date 2026 $0.6 2023 2024 2025 Q2’26 Q3’26 $1.7 $3.3 $3.9 $4.3 2023 Vintage 2024 Vintage 2025 Vintage Ending Deposit Balance1 $ billions Commercial Deposit Accounts 13,769 15,383 20,401 23,111 26,142 2022 2023 2024 2025 Q3’26 +13% YTD % of Total Deposits 3% 19% ~2x in 3+ years Q3’26 New Teams Update YTD’26 New Teams Update 50 New team members2 • 12 teams across national specialized and geographic C&I verticals • Recruitment pipeline remains strong through referral network +$1B YTD • Q3 hires span a diverse set of revenue- producing verticals • Includes national teams such as Technology Banking and Asset-Based Lending, as well as geographic C&I • New capital markets and treasury management hires joined in Q3, enhancing fee income capabilities 15 New team members2

9 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Profitability Balance Sheet Credit 3.19% vs. 3.17% NIM $27.4B +3% Total Assets 0.13% -5 bps Commercial NCOs Ratio1 $18.5B +3% Total Loans and Leases 0.29% -2 bps NPLs to Total Loans Financial Highlights – GAAP Highlights Q3’26 EARNINGS REVIEW Total Deposits $22.6B +4% Reserves to NPLs 322% vs. 293% $2.25 DILUTED EPS $78.4M NET INCOME ROCE 14.0% ROAA 1.16% vs. 1.13% 1. Q3’26 annualized NCOs as percentage of average total loans and leases for Q3’26 was 0.28%, down 6 bps compared to Q2’26 Q3’26 (vs. Q2’26)

10 © 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”) Total Deposits $ billions Average cost of deposits $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 $5.1 $9.7 Q2’26 $7.2 (32%) $5.1 $10.3 Q3’26 $20.4 $20.8 $21.6 $21.7 $22.6 Non-Interest Bearing DDA Interest Bearing DDA Non-DDA • Deposits reached another consecutive period-end record in Q3’26, representing 11% YoY growth. • Non-interest bearing deposits have increased by over $800 million YoY. 2.50% Steady Deposit Growth and Mix Improvement ACCRETIVE DEPOSIT PERFORMANCE • Non-interest bearing deposits increased by $300 million in the quarter to a third consecutive period end record $7.2 billion, or 32% of total deposits, representing top quartile of peer banks1 Quarterly Non-interest Bearing Deposit Balances $ billions Q3’25 Q2’26 Q3’26 $6.4 $6.9 $7.2 NIBD Balances 32% CUBI Regional Bank Peers (MRQ) Top Quartile (29.5%) QoQ: +4% YoY: +13% Q3’26

11 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Strong Loan Growth with Diversified Contributions Q3’26 Loan Portfolio $ billions • Loan growth of nearly $500 million, or 3% QoQ, compared to 1% for the industry1 ROBUST LOAN GROWTH 1. US Banks with $10-$100 billion in assets that have reported earnings data before October 22, 2026. Source S&P Cap IQ 2. Fund Finance includes Lender Finance and Capital Call Lines 3. Includes Investment CRE, Construction, and Multifamily 4. Includes Commercial Banking Teams, Equipment Finance, Technology and Venture, FIG, Mortgages, PPP, and remaining loan verticals Fund Finance2 Healthcare CRE3 Consumer Installment Public Finance SBA Lending Other4 Real Estate Specialty Finance Mortgage Finance Total Loan Growth $456 $328 $165 $44 $16 -$41 -$102 -$110 -$259 $496 Q3’26 Loan Growth by Verticals $ millions Total Loans Q3’25 Q4’25 Q1’26 Q2’26 Q3’26 $16.3 $16.8 $17.4 $18.0 $18.5 • Top growth verticals included Fund Finance, Healthcare, and CRE • Diversified loan growth focused on adding franchise value

12 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Net Interest Income Growth of 8% Quarter-over-Quarter Net Interest Income & Net Interest Margin $ millions, percent 3.46% 3.40% 3.22% 3.17% 3.19% 3.25% 3.24% Q3’25 Q4’25 Q1’26 Q2’26 Q3’26 $201.9 $204.4 $191.4 $193.4 $208.1 NET INTEREST INCOME & NET INTEREST MARGIN • $15 million NII growth QoQ driven by higher average loan and security balances and higher loan yields • Margin is poised to improve further in the fourth quarter given September’s run-rate NIM of approximately 3.25% • Positive NIM trajectory driven by expected continued low-cost deposit gathering and margin accretive loan growth 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

13 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Peer-Leading Efficiency While Investing in Our Business $105.2 $117.3 $112.0 $114.9 $113.4 45.4% Q3’25 49.5% Q4’25 49.7% Q1’26 50.6% Q2’26 47.2% Q3’26 Non-Interest Expense $ millions • Core efficiency ratio1 improved by approximately 340 bps QoQ while investing in the franchise Non-Interest Expense / Average Assets percent • CUBI’s non-interest expense as percent of average assets1 is among the lowest of regional bank peers2 1.68% CUBI CUBI (Q3’26) 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 (2.16%) OPERATIONAL EFFICIENCY AND STRATEGIC INVESTMENTS Non-interest Expense Core Efficiency Ratio1

14 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Tangible Book Value1 per share Tangible Book Value Up 10% Year-over-Year 1. Non-GAAP measure, refer to appendix for reconciliation 2. CAGR from Q4’19 to Q3’26 inclusive of impact of AOCI mark-to-market; Q4’19 and Q3’26 AOCI impact of $(0.04) and $(3.54) 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 $65.66 2019 2020 2021 2022 2023 2024 2025 Q3’26 +14% TANGIBLE BOOK VALUE GROWTH • TBVPS1 increased 10% YoY to $65.66 • Tangible book value1 per share increased over 2.5x since Q4’192 • 15%2 CAGR in TBVPS1 since Q4’192 compared to 5% for regional bank peers3 Key Highlights ~ 5

15 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED 15.3% 15.4% 14.9% 14.8% 14.5% Total Risk-Based Capital percent 8.4% 8.5% 8.3% 8.3% 8.0% 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 13.0% 13.0% 12.9% 12.9% 12.6% CET1 Risk-Based Capital percent STRONG CAPITAL AND LIQUIDITY • Strong capital ratios provide flexibility • Supported 3% balance sheet growth and ~500K shares repurchased in the quarter Key Highlights Q3’25 Q4’25 Q1’26 Q2’26 Q3’261

16 © 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”) • Reserves to NPLs strong at 322% • NPAs to total assets remain low at 29 bps and below regional bank peer median1 of 36 bps Q3’25 Q4’25 0.16% 0.16% 0.14% 0.18% 0.13% 2.60% 2.08% 2.27% 2.01% 1.89% 0.39% 0.33% 0.32% 0.34% 0.28% 0.25% 0.29% 0.29% 0.32% 0.29%0.34% 0.35% 0.34% 0.40% 0.36% 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: 5.84% 6.05% CUBICUBI (Q3’26) Regional Bank Peers (MRQ)1 Q2’26 Q3’26

17 © 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% 8 – 12% 23 – 25% Non-Interest Expense $432M Prior Outlook FY 2026 8 – 12% $800M – $830M $440M – $460M 11.5 – 12.5% 2026 OUTLOOK 9%+ 22 – 23% Current Outlook FY 2026 12%+ $805M – $810M $460M – $465M 11.5 – 12.5%

18 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

19 Appendix

20 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Organic Growth: Core to the Success of Customers Bank 1. Revenue is calculated as the sum of net interest income and noninterest income 2. Non-GAAP measure, refer to appendix for reconciliation 3. U.S. Banks with total assets between $20 billion and $100 billion. Source S&P Cap IQ 4. Represents 6 year (2019-2025) CAGR for banks with available data throughout the time period horizon 5. Peer banks that completed M&A transactions amounting to >80% the size of the acquiring institution between 2019 and 2025 have been omitted from the peer set 6. Originally reported 2019 Core EPS of $2.28 which was recast to $2.35 to reflect the results of discontinued operations Organic Growth FlywheelPeer-Leading Performance $7.61 2019 2025 $2.356 2019 2025 $358 $818 $26.17 $61.77 2019 2025 Top 5 Revenue Compounder3,4,5 #1 Core EPS Compounder3,4 Core EPS2 $ Revenue1 $ millions TBVPS2 $ #2 TBVPS Compounder3,4 Exceptional service NPS of 81 Client engagement Retention, referrals Performance & momentum Winning culture Reinvest in service & tech Technology & people Top teams deepen franchise Deposits & expertise APPENDIX 15% 22% 15%

21 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Investment Securities – AFS percent, Q3’26 Securities Portfolio Characteristics • Spot yield: 5.08% • Effective duration: 2.8 years • Floating rate securities: 42% • Credit rating: 84% AAA with less than 1% at BB Investment Securities – HTM percent, Q3’26 • Spot yield: 3.17% • Effective duration: 4.5 years • Floating rate securities: ~30% • Credit rating: 75% AAA with no rated securities non- investment grade • ABS: $0.2 billion of credit enhanced asset backed securities 75% 25% MBS & CMO Credit Enhanced ABS Total: $0.6 billion Corporate ABS Other MBS & CMO Total: $3.6 billion 8% 7% 84% 1% APPENDIX

22 © 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 vendor’s September 2026 baseline and adverse forecast scenario with qualitative adjustments for Q3’26 provision for credit losses 3. Utilized vendor’s June 2026 baseline and adverse forecast scenario with qualitative adjustments for Q2’26 provision for credit losses Allowance for Credit Losses for Loans and Leases September 30, 2026 June 30, 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 $ 9,416,510 $ 39,790 0.42 % $ 8,829,801 $ 40,158 0.45 % Multifamily 2,668,192 48,328 1.81 % 2,623,964 29,324 1.12 % Commercial Real Estate Owner Occupied 1,221,205 4,451 0.36 % 1,270,575 10,226 0.80 % Commercial Real Estate Non-Owner Occupied 2,066,642 10,157 0.49 % 1,888,040 13,503 0.72 % Construction 158,914 1,633 1.03 % 216,832 2,803 1.29 % Total Commercial Loans and Leases Receivable $ 15,531,463 $ 104,359 0.67 % $ 14,829,212 $ 96,014 0.65 % Consumer: Residential Real Estate $ 512,410 $ 6,749 1.32 % $ 508,187 $ 6,251 1.23 % Manufacturing Housing 23,451 2,493 10.63 % 24,763 3,244 13.10 % Installment 855,124 58,524 6.84 % 854,906 58,597 6.85 % Total Consumer Loans Receivable $ 1,390,985 $ 67,766 4.87 % $ 1,387,856 $ 68,092 4.91 % Total Loans and Leases Receivable $ 16,922,448 $ 172,125 1.02 % $ 16,217,068 $ 164,106 1.01 % APPENDIX

23 © 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 APPENDIX

24 © 2026 C USTO M ERS BANC O RP, INC . / ALL RIG HTS RESERVED Reconciliation of Non-GAAP Measures – Unaudited (Contd.) Core Earnings - Customers Bancorp Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 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 $ 78,383 $ 2.25 $ 71,560 $ 2.05 $ 69,653 $ 1.97 $ 70,088 $ 1.98 $ 73,726 $ 2.20 Reconciling items (after tax): (Gains) losses on investment securities 620 0.02 (103) 0.00 (208) (0.01) (36) 0.00 (253) (0.01) Loss on redemption of preferred stock — — — — — — 2,799 0.08 — — Core earnings $ 79,003 $ 2.27 $ 71,457 $ 2.05 $ 69,445 $ 1.97 $ 72,851 $ 2.06 $ 73,473 $ 2.20 APPENDIX

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 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 APPENDIX

26 © 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) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 GAAP net interest income $ 208,078 $ 193,366 $ 191,351 $ 204,428 $ 201,912 GAAP non-interest income (loss) $ 31,366 $ 34,043 $ 34,316 $ 32,516 $ 30,191 (Gains) losses on investment securities 796 (130) (269) (47) (334) Core non-interest income 32,162 33,913 34,047 32,469 29,857 Core revenue $ 240,240 $ 227,279 $ 225,398 $ 236,897 $ 231,769 GAAP non-interest expense $ 113,396 $ 114,891 $ 111,988 $ 117,309 $ 105,217 Core non-interest expense $ 113,396 $ 114,891 $ 111,988 $ 117,309 $ 105,217 Core efficiency ratio (1) 47.2 % 50.6 % 49.7 % 49.5 % 45.4 % APPENDIX

27 © 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) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 GAAP total shareholders' equity $ 2,192,700 $ 2,205,692 $ 2,144,300 $ 2,115,517 $ 2,126,059 Reconciling items: Preferred stock — — — — (82,201) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $ 2,189,071 $ 2,202,063 $ 2,140,671 $ 2,111,888 $ 2,040,229 GAAP Total assets $ 27,411,648 $ 26,520,789 $ 25,880,767 $ 24,895,868 $ 24,260,163 Reconciling items: Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible assets $ 27,408,019 $ 26,517,160 $ 25,877,138 $ 24,892,239 $ 24,256,534 Tangible common equity to tangible assets 8.0 % 8.3 % 8.3 % 8.5 % 8.4 % APPENDIX

28 © 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) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 GAAP total shareholders' equity $ 2,192,700 $ 2,205,692 $ 2,144,300 $ 2,115,517 $ 2,126,059 Reconciling Items: Preferred stock — — — — (82,201) Goodwill and other intangibles (3,629) (3,629) (3,629) (3,629) (3,629) Tangible common equity $ 2,189,071 $ 2,202,063 $ 2,140,671 $ 2,111,888 $ 2,040,229 Common shares outstanding 33,340,010 33,772,598 33,692,632 34,191,223 34,163,506 Tangible book value per common share $ 65.66 $ 65.20 $ 63.54 $ 61.77 $ 59.72 APPENDIX

29 © 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 APPENDIX

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