The bank maintains a highly concentrated balance sheet with $23.8 billion in investment securities against $24.9 billion in total assets, reflecting a strategic shift that leaves the equity-to-assets ratio at a thin 0.08.
| Metric | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 |
|---|
| Cash & Short Term Investments | 62.05M | 5.81B | 6.25B | 3.44B | 4.34B | 1.9B | 808.38M | 727.15M | 617.69M | 758.18M | 824.85M | 787.71M | 730.64M | 315.11M | 152.71M | 0 | 0 |
| Cash & Due from Banks | 62.05M | 3.79B | 3.85B | 455.81M | 518.03M | 693.35M | 212.5M | 62.13M | 146.32M | 264.71M | 264.59M | 371.02M | 233.07M | 186.02M | 73.57M | 0 | 0 |
| Short Term Investments | 0 | 2.02B | 2.41B | 2.99B | 3.82B | 1.21B | 595.88M | 665.01M | 471.37M | 493.47M | 560.25M | 416.69M | 497.57M | 129.09M | 79.14M | 0 | 0 |
| Total Investments | 23.78B | 17.53B | 16.58B | 19.49B | 18.25B | 16.96B | 10.59B | 9.17B | 9.14B | 8.81B | 7.78B | 6.13B | 3.69B | 2.87B | 1.9B | 425.61M | 58.98M |
| Investments Growth % | 35.65% | 5.75% | -14.96% | 6.81% | 7.59% | 60.15% | 15.49% | 0.32% | 3.79% | 13.25% | 26.8% | 66.39% | 28.55% | 50.92% | 346.43% | 621.63% | - |
| Long-Term Investments | 23.78B | 15.51B | 14.17B | 16.5B | 14.43B | 15.75B | 9.99B | 8.51B | 8.67B | 8.31B | 7.22B | 5.72B | 3.19B | 2.74B | 1.82B | 425.61M | 58.98M |
| Accounts Receivables | 0 | 108.35M | 114.77M | 123.37M | 92.24M | 80.41M | 38.07M | 32.95M | 27.02M | 23.69M | 19.94M | 17.52M | 18.41M | 18.13M | 28.86M | 0 | 0 |
| Goodwill & Intangibles | 3.63M | 3.63M | 3.63M | 3.63M | 3.74M | 3.97M | 15.2M | 16.5M | 16.3M | 17.62M | 3.65M | 17.52M | 3.68M | 3.69M | 3.71M | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.63M | 3.63M | 1.6M | 0 | 0 |
| Intangible Assets | 3.63M | 3.63M | 3.63M | 3.63M | 3.74M | 3.97M | 15.2M | 16.5M | 16.3M | 17.62M | 3.65M | 17.52M | 47K | 60K | 2.11M | 0 | 0 |
| PP&E (Net) | 16.75M | 6.67M | 7.37M | 9.03M | 8.89M | 11.22M | 9.39M | 11.06M | 11.96M | 12.77M | 11.15M | 10.81M | 11.63M | 9.67M | 8.45M | 5.3M | 2.72M |
| Other Assets | 898.25M | 660.35M | 562.87M | 812.77M | 703.9M | 689.87M | 654.99M | 540.73M | 496.86M | 256.37M | 321.63M | 288.96M | 200.15M | 116.11M | 62.9M | 671.3M | 209.3M |
| Total Current Assets | 165.68M | 6.13B | 6.57B | 3.57B | 4.43B | 1.98B | 846.45M | 760.1M | 644.72M | 781.87M | 844.78M | 805.23M | 749.05M | 333.24M | 181.57M | 262.67M | 77.23M |
| Total Non-Current Assets | 24.73B | 16.18B | 14.74B | 17.33B | 15.15B | 16.46B | 10.67B | 9.07B | 9.19B | 8.6B | 7.55B | 6.02B | 3.4B | 2.87B | 1.9B | 1.11B | 272.53M |
| Total Assets | 24.9B | 22.31B | 21.32B | 20.9B | 19.58B | 18.44B | 11.52B | 9.83B | 9.84B | 9.38B | 8.4B | 6.83B | 4.15B | 3.2B | 2.08B | 1.37B | 349.76M |
| Asset Growth % | 11.6% | 4.65% | 2.01% | 6.75% | 6.16% | 60.05% | 17.16% | -0.06% | 4.87% | 11.72% | 23.04% | 64.34% | 29.74% | 54.09% | 51.16% | 292.96% | - |
| Return on Assets (ROA) | 0.95% | 0.83% | 1.19% | 1.13% | 1.66% | 0.89% | 0.74% | 0.73% | 0.82% | 0.89% | 0.77% | 0.79% | 0.89% | 0.9% | 0.23% | 2.75% | -3.78% |
| Accounts Payable | 0 | 0 | 0 | 230.67M | 251.13M | 152.08M | 126.24M | 66.45M | 56.21M | 75.38M | 44.29M | 33.44M | 21.88M | 12.94M | 8.6M | 0 | 0 |
| Total Debt | 1.71B | 1.41B | 1.51B | 1.11B | 1.18B | 1.41B | 1.69B | 1.67B | 2.06B | 1.84B | 1.89B | 1.82B | 784.75M | 478M | 338M | 13M | 13M |
| Net Debt | 1.64B | -2.38B | -2.34B | 649.73M | 661.73M | 712.08M | 1.48B | 1.61B | 1.92B | 1.57B | 1.63B | 1.45B | 551.68M | 291.98M | 264.43M | 13M | 13M |
| Long-Term Debt | 1.71B | 1.31B | 1.51B | 805.53M | 404.76M | 305.43M | 304.75M | 1.48B | 1.91B | 1.06B | 455.14M | 518.25M | 160.25M | 62M | 13M | 13M | 13M |
| Short-Term Debt | 7.44M | 100M | 0 | 300M | 775M | 1.1B | 1.39B | 187M | 155M | 771.8M | 1.44B | 1.3B | 624.5M | 416M | 325M | 0 | 0 |
| Other Liabilities | 5.32B | 215.17M | 248.36M | 0 | 0 | 4.45B | 0 | 0 | 0 | -688.8M | 247.14M | 0 | 0 | 0 | 0 | 1.17B | 296.68M |
| Total Current Liabilities | 15.75B | 18.95B | 17.92B | 18.69B | 17.8B | 12.56B | 10.16B | 7.4B | 7.01B | 8.15B | 7.14B | 5.86B | 3.61B | 2.87B | 1.92B | 72.27M | 18.5M |
| Total Non-Current Liabilities | 7.03B | 1.53B | 1.76B | 805.53M | 404.76M | 4.76B | 304.75M | 1.48B | 1.91B | 375.91M | 702.28M | 518.25M | 160.25M | 62M | 13M | 1.2B | 309.75M |
| Total Liabilities | 22.78B | 20.47B | 19.68B | 19.49B | 18.21B | 17.32B | 10.47B | 8.88B | 8.92B | 8.53B | 7.84B | 6.38B | 3.77B | 2.93B | 1.93B | 1.27B | 328.26M |
| Total Equity | 2.12B | 1.84B | 1.64B | 1.4B | 1.37B | 1.12B | 1.05B | 956.82M | 920.96M | 855.87M | 553.9M | 443.14M | 386.62M | 269.48M | 147.75M | 105.14M | 21.5M |
| Equity Growth % | 15.18% | 12.1% | 16.78% | 2.69% | 22.3% | 6.11% | 10.03% | 3.89% | 7.61% | 54.52% | 24.99% | 14.62% | 43.47% | 82.39% | 40.52% | 388.95% | - |
| Equity / Assets (Capital Ratio) | 8.5% | 8.23% | 7.69% | 6.71% | 6.98% | 6.06% | 9.14% | 9.73% | 9.36% | 9.12% | 6.6% | 6.49% | 9.31% | 8.42% | 7.11% | 7.65% | 6.15% |
| Return on Equity (ROE) | 11.34% | 10.44% | 16.45% | 16.47% | 25.34% | 12.22% | 7.89% | 7.64% | 8.87% | 11.17% | 11.75% | 10.42% | 9.97% | 11.42% | 3.19% | 37.48% | -61.55% |
| Book Value per Share | 59.76 | 56.14 | 50.95 | 41.82 | 40.54 | 35.21 | 33.27 | 29.68 | 28.25 | 28.52 | 19.31 | 15.88 | 14.51 | 14.60 | 13.02 | 9.74 | 5.40 |
| Tangible BV per Share | 59.66 | 56.02 | 50.83 | 41.71 | 40.43 | 35.08 | 32.79 | 29.17 | 27.75 | 27.93 | 19.18 | 15.26 | 14.37 | 14.40 | 12.69 | 9.74 | 5.40 |
| Common Stock | 36.19M | 35.76M | 35.46M | 35.01M | 34.72M | 32.99M | 32.62M | 32.25M | 31.91M | 30.82M | 27.43M | 27.28M | 24.76M | 18.51M | 11.39M | 25.19M | 5.52M |
| Additional Paid-in Capital | 666.76M | 575.33M | 564.54M | 551.72M | 542.39M | 455.59M | 444.22M | 434.31M | 422.1M | 427.01M | 362.61M | 355.82M | 307.23M | 212.09M | 122.6M | 71.34M | 29.24M |
| Retained Earnings | 1.54B | 1.33B | 1.16B | 924.13M | 705.73M | 438.58M | 381.52M | 316.65M | 258.08M | 193.7M | 124.51M | 68.42M | 71.01M | 38.31M | 14.5M | 10.51M | -13.23M |
| Accumulated OCI | -54.05M | -96.56M | -136.57M | -163.1M | -4.98M | -5.76M | -1.25M | -22.66M | -359K | -4.89M | -7.98M | -122K | -8.12M | 1.06M | -245K | -1.9M | -33K |
| Treasury Stock | -68.57M | -141.65M | -122.41M | -82.6M | -49.44M | -21.78M | -21.78M | -21.21M | -8.23M | -8.23M | -8.23M | -8.25M | -8.25M | -500K | -500K | 0 | 0 |
| Preferred Stock | 0 | 137.79M | 137.79M | 137.79M | 137.79M | 217.47M | 217.47M | 217.47M | 217.47M | 217.47M | 55.57M | 0 | 0 | 0 | 0 | 0 | 0 |
Regulatory Compliance and Oversight
As reported in recent financial statements, Customers Bancorp's total assets grew to $24.9 billion by 2025Q4, yet this expansion appears increasingly concentrated in securities rather than core loan growth, suggesting a strategic pivot toward liquidity preservation in response to heightened federal oversight and compliance requirements.
The shift toward a $23.8 billion securities portfolio indicates a defensive posture that may limit long-term net interest margin expansion. Investors should monitor whether this asset mix is a temporary reaction to regulatory scrutiny or a permanent change in the bank's fundamental business model.
Based on the provided balance sheet data, the equity-to-assets ratio has remained consistently thin at approximately 0.08, which warrants close investigation given the bank's reliance on volatile institutional deposits and the potential for increased capital charges stemming from the August 2024 Federal Reserve agreement.
While the current capital position appears adequate for existing operations, the lack of significant buffer expansion suggests limited flexibility for aggressive balance sheet growth. The bank's ability to maintain these ratios while absorbing rising compliance costs remains a critical factor for long-term solvency assessment.
According to quarterly filings, cash and cash equivalents plummeted to $62.1 million in 2025Q4 from $4.2 billion in 2025Q3, highlighting a significant contraction in immediate liquidity that may reflect the bank's efforts to deploy capital into higher-yielding securities or address sudden deposit outflows.
This rapid depletion of cash reserves suggests a potential vulnerability to liquidity shocks, especially if the CBIT platform experiences volatility in institutional deposit flows. Analysts should evaluate whether the bank's reliance on securities as a liquidity proxy provides sufficient protection during periods of market stress.
As indicated by the bank's balance sheet, the massive concentration of $23.8 billion in investment securities relative to total assets of $24.9 billion creates a significant duration mismatch risk that could impair tangible book value if interest rates remain elevated or market volatility persists.
The bank's heavy reliance on this securities portfolio effectively transforms it into a duration-sensitive investment vehicle rather than a traditional commercial lender. This structural shift may expose the firm to significant unrealized losses, which warrants further investigation into the classification and hedging of these assets.
Quick answers to the most common questions about buying CUBI stock.
As of 2025, Customers Bancorp, Inc. (CUBI) had total assets of $24.90B including $165.7M in current assets.
Customers Bancorp, Inc. (CUBI) carries total debt of $1.71B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Customers Bancorp, Inc. (CUBI) has total shareholders' equity (book value) of $2.12B ($59.76 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Customers Bancorp, Inc. (CUBI) reported a current ratio of 0.01x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.