{"schema_version":"secwatch.filing_event.v1","accession":"0001488813-26-000100","form_type":"8-K","ticker":"CUBI","cik":"0001488813","company_name":"Customers Bancorp, Inc.","filed_at":"2026-10-22T20:45:50+00:00","discovered_at":"2026-10-22T20:47:00.253138+00:00","generated_at":"2026-10-22T20:47:10.908653+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Customers Bancorp Q3 EPS $2.25, net income $78.4M; FY2026 NII guidance $805-810M","bullets":["Q3 2026 net income available to common was $78.4M, or $2.25 per diluted share; ROAA 1.16% and ROCE 14.0%.","Deposits rose $831M (3.8%) QoQ to a record $22.6B, up 10.6% YoY; loans rose $496M (2.8%) QoQ to $18.5B, up 13.5% YoY.","Net interest income was $208M, up 7.6% QoQ; NIM 3.19% with September run rate ~3.25%; efficiency ratio improved to 47.2% from 50.6%.","Provision was $25M; net charge-offs $13M; NPLs were 0.29% of loans; TCE/TA 8.0% and CET1 12.6%; repurchased 492,178 shares for $38M.","FY2026 guidance: loans 12%+, deposits 9%+, NII $805-810M, non-interest expense $460-465M and tax rate 22%-23%."],"urls":{"canonical":"https://secwatch.observer/filing/0001488813-26-000100","json":"https://secwatch.observer/filing/0001488813-26-000100.json","markdown":"https://secwatch.observer/filing/0001488813-26-000100.md","text":"https://secwatch.observer/filing/0001488813-26-000100.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000100/0001488813-26-000100-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000100/cubi-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:47:10.908653+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"}