---
schema_version: "secwatch.filing_event.v1"
accession: "0002039852-25-000203"
form_type: "8-K"
ticker: "CUBI"
cik: "0001488813"
company_name: "Customers Bancorp, Inc."
filed_at: "2025-12-22T23:59:59+00:00"
generated_at: "2026-05-16T12:24:28.968787+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Customers Bancorp issues $100M of 6.875% subordinated notes due 2036

## Summary
- Issued $100M aggregate principal of 6.875% Fixed-to-Floating Rate Subordinated Notes due January 15, 2036.
- Interest fixed at 6.875% until Jan 15, 2031, then floats at 3-month SOFR plus 342 bps quarterly.
- Redeemable at par at company's option from Jan 15, 2031; not subject to holder redemption.
- Notes are unsecured, subordinated, rank junior to all senior debt, and not guaranteed by subsidiaries.

## SEC filing metadata
- accession: 0002039852-25-000203
- form_type: 8-K
- ticker: CUBI
- cik: 0001488813
- company_name: Customers Bancorp, Inc.
- filed_at: 2025-12-22T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1488813/000203985225000203/0002039852-25-000203-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1488813/000203985225000203/cubi-20251222.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002039852-25-000203
- JSON: https://secwatch.observer/filing/0002039852-25-000203.json
- Plain text: https://secwatch.observer/filing/0002039852-25-000203.txt

## Key facts
- Debt Financings
  Customers Bancorp, Inc. incurred senior notes of $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036 with Wilmington Trust, National Association at 6.875% per annum maturing January 15, 2036.
  - Instrument: senior notes
  - Principal: $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036
  - Counterparty: Wilmington Trust, National Association
  - Rate: 6.875% per annum
  - Maturity: January 15, 2036
  - Event: incurrence
  source text: On December 22, 2025, Customers Bancorp, Inc. (the “Company”) and Wilmington Trust, National Association (the “Trustee”) entered into a Second Supplemental Indenture (the “Second Supplemental Indenture” and together with the Base Indenture (as defined herein), the “Indenture”) relating to the issuance of $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”)
  evidence_url: https://www.sec.gov/Archives/edgar/data/1488813/000203985225000203/0002039852-25-000203-index.htm
- Material Agreements
  Customers Bancorp, Inc. entered into Second Supplemental Indenture with Wilmington Trust, National Association valued at $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036 (effective 2025-12-22).
  - Action: entry
  - Agreement: notes offering
  - Counterparty: Wilmington Trust, National Association
  - Value: $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036
  - Effective: 2025-12-22
  source text: On December 22, 2025, Customers Bancorp, Inc. (the “Company”) and Wilmington Trust, National Association (the “Trustee”) entered into a Second Supplemental Indenture (the “Second Supplemental Indenture” and together with the Base Indenture (as defined herein), the “Indenture”) relating to the issuance of $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”), which supplements that certain Indenture, dated as of December 9, 2019 between the Company and the Trustee (as may be further amended, supplemented or otherwise modified from time to time, the “Base Indenture”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1488813/000203985225000203/0002039852-25-000203-index.htm

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