Customers Bancorp, Inc. (CUBI) Form 8-K — Oct 22, 2026
$CUBIForm 8-KItems 2.02, 7.01, 9.01Filed Oct 22, 2026, 4:45 PM ET0001488813-26-000100Original filing
Customers Bancorp reported Q3 2026 net income available to common shareholders of $78.4 million, or $2.25 per diluted share, up from $2.05 in Q2 2026, with ROAA of 1.16% and ROCE of 14.0%. The balance sheet hit period-end records, with total deposits of $22.6 billion (+10.6% YoY) and total loans of $18.5 billion (+13.5% YoY), while non-interest bearing deposits reached $7.2 billion, or 31.9% of deposits. Net interest income rose 7.6% QoQ to $208 million and the efficiency ratio improved to 47.2%.
Key figures
- Eps
- 2.25
- Guidance
- FY2026: Loans 12%+, Deposits 9%+, NII $805M-$810M, Non-interest expense $460M-$465M, tax rate 22%-23%
- Net Income
- 78400000
- Total Assets
- 27411648000
- Cash Position
- 27411648000
- Shares Outstanding
- 33340010
- Roaa
- 1.16%
- Roce
- 14.0%
- Npl ratio
- 0.29%
- Cet1 ratio
- 12.6%
- Total loans
- $18.5 billion (record; +13.5% YoY)
- Total deposits
- $22.6 billion (record; +10.6% YoY)
- Efficiency ratio
- 47.2% vs 50.6% in Q2 2026
- Reserves to npls
- 322%
- Net charge offs q3
- $13 million
- Net interest margin
- 3.19%; September run-rate ~3.25%
- Shares repurchased q3
- 492178
- Net interest income q3
- $208.1 million (+7.6% QoQ)
- Noninterest bearing deposits
- $7.2 billion, 31.9% of total
- Tangible book value per share
- $65.66 (+10% YoY)
- Provision for credit losses q3
- $25 million
- Cubix cumulative transaction volume
- $5.6 trillion inception to date
AI analysis
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