---
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"
generated_at: "2026-05-16T08:45:46.982212+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001488813-26-000012
- JSON: https://secwatch.observer/filing/0001488813-26-000012.json
- Plain text: https://secwatch.observer/filing/0001488813-26-000012.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.