secwatch.observer — SEC 8-K summary
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Issuer:     Customers Bancorp, Inc. (CUBI)
CIK:        0001488813
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001488813-26-000012
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1488813/000148881326000012/0001488813-26-000012-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1488813/000148881326000012/cubi-20260122.htm
  HTML page:      https://secwatch.observer/filing/0001488813-26-000012

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer