# CUSTOMERS BANK
MALVERN, PA · FDIC certificate 34444 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $26.50B | |
| Deposits | $21.88B | |
| Loans and leases | $18.02B | |
| Total equity | $2.32B | |
| Loans / deposits | 81.60% (p38 of band) | 85.78% |
| Liquid assets / assets | 27.97% (p71 of band) | |
| Uninsured deposits / deposits | 44.28% (p67 of band) | 38.39% |
| Brokered deposits | 17.42% | |
| Wholesale funding | 25.19% (p90 of band) | |
| FHLB advances / assets | 7.77% | |
| Tier 1 leverage | 9.34% (p26 of band) | 10.17% |
| Unrealized securities loss / equity | -5.87% (p61 of band) | -7.43% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 1.15% (p39 of band) | 1.24% |
| Net interest margin | 3.20% (p30 of band) | 3.57% |
| Efficiency ratio | 48.88% (p32 of band) | |
| Noncurrent loans | 0.33% (p18 of band) | 0.66% |
| Net charge-offs (annualized) | 0.22% (p80 of band) | |
| Reserve coverage of noncurrent | 274.45% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 8.30% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $6.14B (264% of equity) (p96 of band) | |
| Deposits YoY | 14.7% | |
| Employees | 883 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  | expense ratio p90 |
| 2011-09 | 3 | loans-to-lenders >50% equity | losing money |
| 2011-12 | 4 | wholesale funding >15% |  |
| 2012-03 | 2 |  | NIM <2.5%, wholesale funding >15% |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | brokered >10% |  |
| 2012-12 | 6 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2013-03 | 5 |  | brokered >10% |
| 2013-06 | 4 |  | liquid assets <10% |
| 2013-09 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2013-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2014-03 | 6 | brokered >10%, capital falling |  |
| 2014-06 | 6 |  |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 5 |  | reserve under noncurrent |
| 2015-03 | 6 | liquid assets <10% |  |
| 2015-06 | 5 |  | capital falling |
| 2015-09 | 4 |  | liquid assets <10% |
| 2015-12 | 6 | liquid assets <10%, capital falling |  |
| 2016-03 | 5 |  | capital falling |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | liquid assets <10% |
| 2017-06 | 6 | uninsured deposits >50%, run vulnerability |  |
| 2017-09 | 7 | liquid assets <10% |  |
| 2017-12 | 8 | deposits shrinking |  |
| 2018-03 | 6 |  | liquid assets <10%, deposits shrinking |
| 2018-06 | 6 |  |  |
| 2018-09 | 7 | capital falling |  |
| 2018-12 | 7 | liquid assets <10% | capital falling |
| 2019-03 | 8 | assets shrinking |  |
| 2019-06 | 8 | expense ratio p90 | assets shrinking |
| 2019-09 | 8 | capital falling | expense ratio p90 |
| 2019-12 | 7 |  | capital falling |
| 2020-03 | 7 |  |  |
| 2020-06 | 8 | capital falling |  |
| 2020-09 | 8 |  |  |
| 2020-12 | 6 |  | brokered >10%, liquid assets <10% |
| 2021-03 | 7 | brokered >10%, charge-offs p90 | capital falling |
| 2021-06 | 7 |  |  |
| 2021-09 | 6 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2021-12 | 6 | wholesale funding >15% | run vulnerability |
| 2022-03 | 3 |  | brokered >10%, capital falling, wholesale funding >15% |
| 2022-06 | 6 | brokered >10%, wholesale funding >15%, run vulnerability |  |
| 2022-09 | 4 |  | wholesale funding >15%, run vulnerability |
| 2022-12 | 5 | wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50% |
| 2023-03 | 5 |  |  |
| 2023-06 | 7 | capital falling, reserve under noncurrent |  |
| 2023-09 | 5 |  | capital falling, reserve under noncurrent |
| 2023-12 | 4 |  | uninsured deposits leaving |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | capital falling | charge-offs p90 |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Forbes names Customers Bank among 500 banks worldwide - Stock Titan](https://news.google.com/rss/articles/CBMivAFBVV95cUxNXzBZSmZUeXpfQVZ0dUhEcld4c0JkdHZtMC1IdHlYU2NYSGdEUE1ENENWRkJRa3IybGp3cmZjQnZLLXUxMEpxMGl0WnpIZDZlZzhiTXliZ29Md1I4cTRVY0VpYlFvcWxGVm1lTHQyMmlNbmE1bGI2V3VuX2FZUWt1QlRKckdJXzJVQ0pZYVBLT09MaUNOdWZqZ1FWaGhKT0E1MHdyTC1lSFIyRWVWVHdMUl83YloyS1A3OWViZg?oc=5) · Stock Titan
- 2026-04-28 [Pennsylvania's Customers Bank teams up with OpenAI - fintechfutures.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPRHAyYUVQeHpzY0drdUsxdGloTXN6M2dxeEVoT2o1V2xUX2Z3eUY0UmZ1amNSQkpUSHhyM2tTMTBaX0dmTXdOenVxbFRfUl8wbmRIejZHSHVrcnRVMllFTWpJeFYxcjdIU0Y4aHBDbVhLM3FramczOWkxMTRObFN6VmZ2dHBtdWs?oc=5) · fintechfutures.com
- 2026-04-20 [Customers Bank review (2026): A 'super-community bank' serving individuals and businesses - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOHNhVWpCN2t4dmhHYVFnSHB0aGRIb293bXhFdnY4eENyMEtSdkFManZpaTdoSWhvX2dtcVFGTVNodEMwZk5LdTk3ekVuZ0VkcTMzYko1TjZ4eWpQTHliY1Y2blgyS0FURFdxSXU4N0J1aUNRTDF5ZkZua2pBWC1JOFlYcE1lOU5QaXhSb21ya2FEdUFxOWNINlp3?oc=5) · Yahoo Finance
- 2026-04-27 [Customers Bank deepens ties with OpenAI - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVnpPNDkwWVcxek9NSXVOZDc1ZEtMbFZFS0p2S0NhZVZzVVN0N2k4OHJYcUx5VnR2SFVaUDRwM3k2Y2RYcjVTaVNGLXA5NGpBVC0wbXR6OThMcEoyYUc4MVJkN1JSTGZNNzh6VTg0aW9aMFhVb0ZTTWlUWlBNNkJlM1JtMHRuVld3Ty1MV1dhTjJsdDJFOGN5SjVoVEM3VURQM1BqdWl3?oc=5) · Banking Dive
- 2026-04-27 [This bank CEO let his AI clone handle an earnings call — now he's signing an OpenAI deal - CNBC](https://news.google.com/rss/articles/CBMiogFBVV95cUxNb1BjTWFzVi13eU1FZ3gxS2xsRmhlc1didlZ6dzBodXh0cXRCUUUxNlMyTVpiNG4yUmtaZDNZNUdKdXNlNmpxZ3Q2YjJfLU42UVBlNEI2SlZKbkc2RVpGNXdwSkhzc21kc25ycGYyb3pndmhZZXJYSVdiODh0clI0X1NQaFZxU21jQ1RtN0JSMjY3UlhUeW9rUkwwUGhtcFc1WlHSAacBQVVfeXFMUHFrenhHc1A5blhkR0ozeUR0dEFTTTZkbjR2bC1uWndieWp6dkx2TEp1N0tveDBRRFJKS2pRVU1vTFQxeUMyNVMxTmEyVjlPV0JhMjVHdFFpREFOdDk3VnhMUFhycEpDdENUTjFNYmJkY2JsSkN0dkE1NEl5Tk1hcDVqb3FjOHIya2x5SVZJOFlXV0VERjY0N2YyRlQ0dFNHZkRBbDhFUjg?oc=5) · CNBC
- 2026-02-02 [Customers Bank Joins Qualia’s Bank Partner Network - Business Wire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPLUdlSzExX1FmMnpZV1oxYldIM1JuSlY2c1hWbXhhanVaRnpweWRUdHE4WkxnRFVBMW1tNVdHRHVZc2JQVmE4TDNfWWVHOUc4cHVRSGc4bHkyeW5SYi16cFNzckN3SkV0TDhKcTQtejZ3akxhNnVUY0V0V2xPcl9UaERIdE9nTXl2X2w0WnZoWk9qeTlZM2VieTNNaENFNEo2d2xFNVB1MFpWUQ?oc=5) · Business Wire
- 2026-08-04 [Customers Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE51ZDRDcWI5TXBEMFg5WmJFMWZWNnJDbG9PQktJN3BTOVQ4ekVKYWp6SDZxdDE2Qk52dDNkMW5qWHZqc1ppRkJUdm5iQ2R0Qm11akl5Rjh6TDdPMFFiMmgzRlNMZ0hndHM5U3VWQVA2SQ?oc=5) · reveliolabs.com
- 2026-01-05 [Customers Bank Sets up in Irvine - Orange County Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE5ZOTIxU1dwRkY5aHozN2ZnUlktUUxnQ2dLNkRnUGU0QVVMNkJ3VVV6LWhhWkFFWFJzNEJ0Z05iQlMxaF9CTkZEelEzSjBWbTR2b3MwVndNcWhiRHVnYlg2cGZfWTF2SE5wWm9aQWJ6VQ?oc=5) · Orange County Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34444 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "34444", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide