{"schema_version":"secwatch.filing_event.v1","accession":"0001488813-26-000012","form_type":"8-K","ticker":"CUBI","cik":"0001488813","company_name":"Customers Bancorp, Inc.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.188755+00:00","generated_at":"2026-05-16T08:45:46.982212+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 Q4 GAAP EPS $1.98, core $2.06; record NII; guides 2026 loan growth 8-12%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001488813-26-000012","json":"https://secwatch.observer/filing/0001488813-26-000012.json","markdown":"https://secwatch.observer/filing/0001488813-26-000012.md","text":"https://secwatch.observer/filing/0001488813-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000012/0001488813-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000012/cubi-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:45:46.982212+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"}