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Customers Bancorp (CUBI)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Customers Bancorp Balance Sheet 2025-2008 | CUBI
Brief balance sheet overview of Customers Bancorp
The review uses the five latest available annual reports between 2021 and 2025.
The asset base progressed from $19.6 billion to $24.9 billion, equal to +27.2% overall and about 6.2% per year.
Asset growth of +27.2% was close to the +25.1% change in liabilities, leaving the funding profile broadly stable.
A liability-heavy structure is normal for a financial institution; equity represents 8.5% of assets, from 7% initially.
By the end of the period, accumulated earnings were $1.5 billion; the change from the start was +117.5%.
Overall assessment
Taken together, the figures indicate acceptable resilience for Customers Bancorp. The next assessment depends on debt and equity trends.
Annual Balance Sheet Customers Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | - | 1.54 B | 2.08 B | 2.23 B | 820 M | 1.56 B | 1.45 B | 539 M | 287 M | 259 M | - | - | - |
Long Term Debt |
- | - | - | - | - | - | 1.15 B | 1.48 B | 1.91 B | 376 M | 458 M | 518 M | 160 M | 62 M | 333 M | - | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 305 M | 233 M | 295 M | 196 M | 195 M | 198 M | 65 M | 473 M | 333 M | - | - | - |
Total Liabilities |
22.8 B | 20.5 B | 19.7 B | 19.5 B | 18.2 B | 17.3 B | 10.5 B | 8.88 B | 8.92 B | 8.53 B | 7.85 B | 6.38 B | 3.77 B | 2.93 B | 1.93 B | 1.27 B | - | - |
Retained Earnings |
1.54 B | 1.33 B | 1.16 B | 924 M | 706 M | 439 M | 382 M | 317 M | 258 M | 194 M | 125 M | 68.4 M | 71 M | 38.3 M | 14.5 M | 10.5 M | - | - |
Total Assets |
24.9 B | 22.3 B | 21.3 B | 20.9 B | 19.6 B | 18.4 B | 11.5 B | 9.83 B | 9.84 B | 9.38 B | 8.4 B | 6.83 B | 4.15 B | 3.2 B | 2.08 B | 1.37 B | - | - |
Cash and Cash Equivalents |
4.41 B | 3.79 B | 3.85 B | 456 M | 518 M | 693 M | 213 M | 62.1 M | 146 M | 265 M | 265 M | 371 M | 233 M | 186 M | 73.6 M | 239 M | 68.8 M | 6.3 M |
Book Value |
2.12 B | 1.84 B | 1.64 B | 1.4 B | 1.37 B | 1.12 B | 1.05 B | 957 M | 921 M | 856 M | 554 M | 443 M | 387 M | 269 M | 148 M | 105 M | - | - |
Total Shareholders Equity |
2.12 B | 1.84 B | 1.64 B | 1.4 B | 1.37 B | 1.12 B | 1.05 B | 957 M | 921 M | 856 M | 554 M | 443 M | 387 M | 269 M | 148 M | 105 M | 21.5 M | 16.8 M |
Annual performance
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All numbers in USD currency
Quarterly Balance Sheet Customers Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.87 B | 3.28 B | 4.42 B | 4.42 B | 4.42 B | 4.42 B | 350 M | 350 M | 350 M | - | - | - | - | - | - | - | - | - | 180 M | - | - | - | 260 M | - | - | - | 320 M | - | - | - | 95 M | - | - | - | 60 M | - | - | - | 11 M | - | - | - |
Total Liabilities |
24.3 B | 23.7 B | 22.1 B | 20.7 B | 20.6 B | 20.5 B | 19.7 B | 19.2 B | 19.7 B | 19.7 B | 20.3 B | 20.6 B | 20.3 B | 19.5 B | 19 B | 18.9 B | 17.8 B | 18.2 B | 17.8 B | 18.4 B | 17.6 B | 17.3 B | 17.3 B | 17.3 B | 17.3 B | 10.5 B | 10.5 B | 10.5 B | 10.5 B | 8.88 B | 8.88 B | 8.88 B | 8.88 B | 8.92 B | 8.92 B | 8.92 B | 8.92 B | 8.53 B | 8.53 B | 8.53 B | 8.53 B | 7.84 B | 7.84 B | 7.84 B | 7.84 B | 6.38 B | 6.38 B | 6.38 B | 6.38 B | 3.77 B | 3.77 B | 3.77 B | 3.77 B | 2.93 B | 2.93 B | 2.93 B | 2.93 B | 1.93 B | 1.93 B | 1.93 B | 1.93 B |
Retained Earnings |
1.68 B | 1.6 B | 1.47 B | 1.39 B | 1.34 B | 1.33 B | 1.3 B | 1.26 B | 1.21 B | 1.16 B | 1.1 B | 1.02 B | 974 M | 924 M | 899 M | 837 M | 781 M | 706 M | 607 M | 497 M | 439 M | 439 M | 439 M | 439 M | 439 M | 382 M | 382 M | 382 M | 382 M | 317 M | 317 M | 317 M | 317 M | 258 M | 258 M | 258 M | 258 M | 194 M | 194 M | 194 M | 194 M | 125 M | 125 M | 125 M | 125 M | 68.4 M | 68.4 M | 68.4 M | 68.4 M | 71 M | 71 M | 71 M | 71 M | 38.3 M | 38.3 M | 38.3 M | 38.3 M | 14.5 M | 14.5 M | 14.5 M | 14.5 M |
Total Assets |
26.5 B | 25.9 B | 24.3 B | 22.6 B | 22.4 B | 22.3 B | 21.5 B | 20.9 B | 21.3 B | 21.3 B | 21.9 B | 22 B | 21.8 B | 20.9 B | 20.4 B | 20.3 B | 19.2 B | 19.6 B | 19.1 B | 19.6 B | 18.8 B | 18.4 B | 18.4 B | 18.4 B | 18.4 B | 11.5 B | 11.5 B | 11.5 B | 11.5 B | 9.83 B | 9.83 B | 9.83 B | 9.83 B | 9.84 B | 9.84 B | 9.84 B | 9.84 B | 9.38 B | 9.38 B | 9.38 B | 9.38 B | 8.4 B | 8.4 B | 8.4 B | 8.4 B | 6.83 B | 6.83 B | 6.83 B | 6.83 B | 4.15 B | 4.15 B | 4.15 B | 4.15 B | 3.2 B | 3.2 B | 3.2 B | 3.2 B | 2.08 B | 2.08 B | 2.08 B | 2.08 B |
Cash and Cash Equivalents |
4.18 B | 4.8 B | 4.19 B | 3.5 B | 3.43 B | 3.79 B | 3.09 B | 3.05 B | 3.7 B | 3.85 B | 3.42 B | 3.16 B | 2.05 B | 456 M | 404 M | 245 M | 275 M | 518 M | 1.05 B | 430 M | 515 M | 693 M | 693 M | 693 M | 693 M | 213 M | 213 M | 213 M | 213 M | 62.1 M | 62.1 M | 62.1 M | 62.1 M | 146 M | 146 M | 146 M | 146 M | 265 M | 265 M | 245 M | 245 M | 265 M | 265 M | 265 M | 265 M | 371 M | 371 M | 371 M | 371 M | 233 M | 233 M | 233 M | 233 M | 186 M | 186 M | 186 M | 186 M | 73.6 M | 73.6 M | 73.6 M | 73.6 M |
Book Value |
2.21 B | 2.14 B | 2.13 B | 1.86 B | 1.86 B | 1.84 B | 1.8 B | 1.75 B | 1.69 B | 1.64 B | 1.56 B | 1.46 B | 1.42 B | 1.4 B | 1.39 B | 1.35 B | 1.38 B | 1.37 B | 1.28 B | 1.25 B | 1.19 B | 1.12 B | 1.12 B | 1.12 B | 1.12 B | 1.05 B | 1.05 B | 1.05 B | 1.05 B | 957 M | 957 M | 957 M | 957 M | 921 M | 921 M | 921 M | 921 M | 856 M | 856 M | 856 M | 856 M | 554 M | 554 M | 554 M | 554 M | 443 M | 443 M | 443 M | 443 M | 387 M | 387 M | 387 M | 387 M | 269 M | 269 M | 269 M | 269 M | 148 M | 148 M | 148 M | 148 M |
Total Shareholders Equity |
2.21 B | 2.14 B | 2.13 B | 1.86 B | 1.86 B | 1.84 B | 1.8 B | 1.75 B | 1.69 B | 1.64 B | 1.56 B | 1.46 B | 1.42 B | 1.4 B | 1.39 B | 1.35 B | 1.38 B | 1.37 B | 1.28 B | 1.25 B | 1.19 B | 1.12 B | 1.12 B | 1.12 B | 1.12 B | 1.05 B | 1.05 B | 1.05 B | 1.05 B | 957 M | 957 M | 957 M | 957 M | 921 M | 921 M | 921 M | 921 M | 856 M | 856 M | 856 M | 856 M | 554 M | 554 M | 554 M | 554 M | 443 M | 443 M | 443 M | 443 M | 387 M | 387 M | 387 M | 387 M | 269 M | 269 M | 269 M | 269 M | 148 M | 148 M | 148 M | 148 M |
Quarterly performance
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All numbers in USD currency
Balance Sheet is a fundamental financial report of Customers Bancorp, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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