← Back to Institutions
Customers Bank
Malvern, PA·FDIC Cert #34444·Charter: STATE·Est. 19970626.0·HC: CUSTOMERS BCORP INC
Total Assets
$24.9B
Q4 2025
Return on Assets
1.01%
+0.09%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.22%
Peer avg: 53.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%+0.09
ROE
11.95%+0.97
Efficiency
48.22%-0.08
Equity/Assets
0.00%+0.00
NPL Ratio
0.29%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.17%+0.85
Charge-offs
0.38%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.0 | 0.9 | 0.3 | 0.7 | 0.9 | 1.0 |
| ROE | 11.9 | 12.8 | 12.1 | 10.7 | 3.3 | 8.6 | 11.0 | 11.9 |
| Efficiency | 53.5 | 51.8 | 54.6 | 55.0 | 51.6 | 50.3 | 48.3 | 48.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.2 | 0.2 | 0.3 |
| Charge-offs | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 | 0.4 |
| Loan/Deposit | 72.5 | 75.7 | 76.4 | 76.3 | 78.2 | 80.0 | 78.3 | 79.2 |
Balance Sheet
Total Assets$24.9B
Total Deposits$21.0B
Total Loans$16.6B
Total Equity$2.2B
Profitability
ROA1.01%
ROE11.95%
Efficiency Ratio48.22%
Net Income$234.6M
Risk & Asset Quality
NPL Ratio0.29%
Charge-off Rate0.38%
Loan/Deposit79.17%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans