Customers Bancorp Inc 2025年度报告

FORM 10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December31, 2025☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromto. 001-35542(Commission File Number) (Exact name of registrant as specified in its charter)Customers Bancorp, Inc. 27-2290659(I.R.S. EmployerIdentification Number) Pennsylvania (State or other jurisdiction ofincorporation or organization) 701 Reading AvenueWest Reading, PA 19611(Address of principal executive offices)(610) 933-2000(Registrant's telephone number, including area code) 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 is a well-known seasoned issuer, as defined in Rule405 of the SecuritiesAct.YesNo Indicate by check mark whether the registrant is not required to file reports pursuant to Section13 or Section15(d) of theAct.YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrantwas required to submit such files).YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany” and “emerging growth company” in Rule12b-2 of the ExchangeAct. Large Accelerated FilerNon-Accelerated Filer☐ 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 has filed a report on and attestation to its management’s assessment of theeffectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b))by the registered public accounting firm that prepared or issued its audit report. If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of theregistrant included in the filing reflect the correction of an error to previously issued financial statements. Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No The aggregate market value of common stock held by non-affiliates of the registrant was approximately $1,714,105,685 as of June30,2025, based upon the closing price quoted on the New York Stock Exchange for such date. Shares of common stock held by eachexecutive officer and director have been excluded because such persons may under certain circumstances be deemed to be affiliates.This determination of executive officer or affiliate status is not necessarily a conclusive determination for other purposes. On February24, 2026, 34,212,174 shares of common stock were outstanding. DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant’s definitive proxy statement to be delivered to shareholders in connection with the 2026 Annual Meeting ofShareholders are incorporated by reference into Part III of this Annual Report. PARTIItem1. BusinessItem1A.Risk FactorsItem1B.Unresolved Staff CommentsItem1C.CybersecurityItem2.PropertiesItem3.Legal ProceedingsItem4.Mine Safety Disclosures PARTII Item5.Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities61Item6.[Reserved]62Item7.Management’s Discussion and Analysis of Financial Condition and Results of Operations63Item7A.Quantitative and Qualitative Disclosures about Market Risk96Item8.Financial Statements and Supplementary Data98Item9.Changes in and Disagreements with Accountants on Accounting and Financial Disclosure174Item9A.Controls and Procedures174Item9B.Other Information175Item9C.Disclosure Regarding Foreign Jurisdictions That Prevent Inspections175 PARTIII Item10.Directors, Executive Officers and Corporate Governance176Item11.Executive Compensation176Item12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters176Item13.Certain Relationships and Related Transactions, and Director Independence177Item14.Principal Accountant Fees and Services177 PARTIV Item15.Exhibits and Financial Statement Schedules178Item16.Form 10-K Summary1