Customers Bancorp(NYSE) CUBI

Customers Bancorp, Inc. NYSE:CUBI helps businesses and people manage their money. It provides loans to help companies grow and provides savings accounts. The bank uses technology to make moving and storing money easier.

Lending and Digital Dollars

• Commercial Lending: Specialized loans for healthcare, technology, and private equity funds; totaled $16.5 billion as of June 30, 2026.
• Mortgage Finance: Short-term financing for mortgage companies to handle home loans before they are sold; reached $1.7 billion as of June 30, 2026.
• Multifamily Loans: Debt used for apartment buildings and large housing complexes; reached $2.6 billion as of June 30, 2026.
• Consumer Banking: Personal installment loans and residential mortgages for customers nationwide; reached $1.5 billion as of June 30, 2026.
• Digital Payments: Instant business-to-business payment services through the TassatPay platform, which uses blockchain technology to settle transactions immediately.

Moving the Needle

• Redeemed all outstanding shares of Series E and Series F preferred stock for $142.5 million in 2025.
• Purchased $200 million in loans during the six-month period ended June 30, 2026.
• Purchased $1.0 billion of investment securities to grow the bank's asset base during the first half of 2026.
• Reduced sensitivity to changing interest rates by using derivative hedging and rebalancing the investment portfolio.

Efficiency and Innovation

The bank uses a branch-light strategy that relies on technology and private banking teams to serve clients nationwide. It maintains high liquidity levels (the amount of cash and easily sold assets available), with $4.2 billion in cash on hand as of June 30, 2026.

The Midyear Report Card

• Net interest income (the difference between interest earned on loans and interest paid on deposits) reached $384.7 million for the six-month period ended June 30, 2026, up 11.8% year over year.
• Total assets grew to $26.5 billion as of June 30, 2026, from $24.9 billion on Dec. 31, 2025.
• Net income available to common shareholders hit $141.2 million for the six-month period ended June 30, 2026, up 116.0% year over year.
• Total deposits reached $21.7 billion as of June 30, 2026, compared to $20.8 billion on Dec. 31, 2025.
• Immediate available liquidity reached $7.0 billion from the Federal Reserve and Federal Home Loan Bank as of June 30, 2026.

Bottom Line

Customers has evolved from a traditional local bank into a technology-focused institution serving specialized markets nationwide. Its growth in digital payments and commercial lending has created a more diversified business model.