Customers Bancorp Q4 GAAP EPS $1.98, core $2.06; record NII; guides 2026 loan growth 8-12%

Customers Bancorp, Inc.

2025-FY EPS reported $6.26

Q4 net income $70.1M ($1.98/diluted EPS); core earnings $72.9M ($2.06/diluted EPS). Full-year GAAP EPS $6.26, core $7.61.
Record NII $750.5M in 2025, up 14.7% YoY; Q4 NII $204.4M. Loans +14.5%, deposits +10.3% YoY.
2026 guidance: loan/deposit growth 8-12%, NII $800-$830M, non-interest expenses $440-$460M, CET1 11.5-12.5%.
Completed $100M subordinated notes issuance and redeemed $85M Series F Preferred Stock in Q4 2025.
Sam Sidhu became CEO effective Jan 1, 2026; Jay Sidhu remains Executive Chairman. CET1 ratio 13.0%.

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