Customers Bancorp Inc 2025年季度报告

Form10-Q ☒Quarterly report pursuant to Section13 or 15(d) of the Securities Exchange Act of 1934For the quarterly period endedMarch31, 2025 001-35542(Commission File number) (Exact name of registrant as specified in its charter)Customers Bancorp, Inc. Pennsylvania (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 701 Reading AvenueWest Reading,PA19611(Address of principal executive offices)(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) Securities registered pursuant to Section12(b) of the Act: Securities registered pursuant to Section12(g) of the Act: None Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90 days.Yesx No¨ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files).Yes x No¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company.See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filerxNon-accelerated filero SmallerReportingCompany☐ Emerging GrowthCompany☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act)Yes☐No x CUSTOMERS BANCORP, INC. AND SUBSIDIARIES Table of Contents PartI Item1.Customers Bancorp, Inc. Consolidated Financial Statements as of March 31, 2025 and for the threemonthperiods ended March 31, 2025 and 2024 (unaudited)Item2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem3.Quantitative and Qualitative Disclosures about Market RiskItem4.Controls and Procedures PARTII Item1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem3.Defaults Upon Senior SecuritiesItem4.Mine Safety DisclosuresItem5.Other InformationItem6.ExhibitsSIGNATURES GLOSSARY OF ABBREVIATIONS AND ACRONYMS The following list of abbreviations and acronyms may be used throughout this Report, including Management’s Discussion andAnalysis of Financial Condition and Results of Operations, the Unaudited Consolidated Financial Statements and the Notes to theUnaudited Consolidated Financial Statements. CUSTOMERS BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED BALANCE SHEET — UNAUDITED(amounts in thousands, except share and per share data) CUSTOMERS BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOME (LOSS) — UNAUDITED(amounts in thousands, except per share data) (amounts in thousands) CUSTOMERS BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY — UNAUDITED(amounts in thousands, except shares outstanding data) Table of Contents CUSTOMERS BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS — UNAUDITED (amounts in thousands) CUSTOMERS BANCORP, INC. AND SUBSIDIARIESNOTES TO CONSOLIDATED UNAUDITED FINANCIAL STATEMENTS NOTE 1 —DESCRIPTION OF THE BUSINESS Customers Bancorp, Inc. (“Customers Bancorp”) is a bank holding company engaged in banking activities through its wholly ownedsubsidiary, Customers Bank (“the Bank”), collectively referred to as “Customers” herein. Customers Bancorp and its wholly owned subsidiaries, the Bank, and non-bank subsidiaries, serve businesses and residents in BerksCounty and Southeastern Pennsylvania (Bucks, Chester and Philadelphia Counties); New York (Westchester and Suffolk Counties, andManhattan); Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; California(Southern California and the Bay Area); Nevada (Las Vegas and Reno); and nationally for certain loan and deposit products. The Bankhassevenbranches and provides commercial banking products, primarily loans and deposits. In addition, the Bank alsoadministratively supports loan and other financial products, including equipment finance leases, to customers through its limited-purpose offices. The Bank also serves specialized businesses nationwide, including its mortgage finance loans, commerc