{"schema_version":"secwatch.filing_event.v1","accession":"0001488813-25-000092","form_type":"8-K","ticker":"CUBI","cik":"0001488813","company_name":"Customers Bancorp, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.513360+00:00","generated_at":"2026-05-17T02:29:29.744547+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Customers Bancorp Q3 net income $73.7M ($2.20 EPS); NIM 3.46%, CET1 13.0% after $163M equity raise","bullets":["Q3 2025 net income available to common $73.7M, diluted EPS $2.20; core earnings $73.5M, core EPS $2.20.","Net interest margin (tax-equivalent) 3.46%, up 19bp QoQ from 3.27%.","CET1 ratio 13.0% (vs 12.1% prior quarter) after $163M common equity raise in September.","Tangible book value per share $59.72, up 6.2% QoQ; deposits grew $1.4B to $20.4B, deposit cost down 8bp to 2.77%.","Provision for credit losses $27M ($21M prior Q); NPA ratio 0.25%, reserve coverage 534% of NPLs."],"urls":{"canonical":"https://secwatch.observer/filing/0001488813-25-000092","json":"https://secwatch.observer/filing/0001488813-25-000092.json","markdown":"https://secwatch.observer/filing/0001488813-25-000092.md","text":"https://secwatch.observer/filing/0001488813-25-000092.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1488813/000148881325000092/0001488813-25-000092-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1488813/000148881325000092/cubi-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:29.744547+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}