Customers Bancorp Inc 2026年季度报告

Form 10-Q ☒Quarterly report pursuant to Section13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March31, 2026 (Exact name of registrant as specified in its charter)Customers Bancorp, Inc. Pennsylvania 27-2290659 (IRS Employer Identification No.) (State or other jurisdiction of incorporation or organization) 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:Title of Each ClassTrading SymbolsName of Each Exchange on which RegisteredVoting Common Stock, par value $1.00 per shareCUBINew York Stock Exchange5.375% Subordinated Notes due 2034CUBBNew York Stock Exchange 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.Yes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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 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 is a shell company (as defined in Rule 12b-2 of the Exchange Act)Yes☐No CUSTOMERS BANCORP, INC. AND SUBSIDIARIES Table of Contents PartI Item1.Customers Bancorp, Inc. Consolidated Financial Statements as of March 31, 2026 and for the three monthperiods ended March 31, 2026 and 2025 (unaudited)5Item2.Management’s Discussion and Analysis of Financial Condition and Results of Operations50Item3.Quantitative and Qualitative Disclosures about Market Risk76Item4.Controls and Procedures77 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) See accompanying notes to the unaudited consolidated financial statements. 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. The Bank has diversified lending activities that build overall franchise value and a high-tech, high-touch, branch-light strategy thatserves its customers through a single-point-of-contact private banking strategy. The Bank serves commercial businesses, throughcommunity, SBA, and private client groups. The Bank also serves corporate businesses nationwide, including healthcare, real estatespecialty finance, fund finance, technology and venture capital banking, financial institutions group, mortgage finance and commercialequipment financing, as well as commercial real estate companies in the Bank’s geographic markets and provides payments andtre