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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Customers Bank

Malvern, Pennsylvania · $26.50B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

82.4%
Loans / deposits
2nd of 8
48.9%
Efficiency
2nd of 8
+16.9%
Loans, year over year
2nd of 8, largest first

Customers Bank is the fourth largest of the 8 Pennsylvania banks over $10B, with $26.50B in assets at 30 June 2026. Loans are 82.4% of deposits, 2nd of 8 against a median of 90.5%, and equity is 8.8% of assets, 7th of 8. Loans grew +16.9% in the year, 2nd of 8, and deposits grew 14.6%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.33% of the book, 3rd of 8 against a median of 0.54%; 0.16% is 30 to 89 days past due, and the allowance covers them 2.7 times. Net charge-offs are 0.31% of loans, 7th of 8. Commercial real estate is 25.3% of loans, 6th of 8 against a median of 24.6%, and 179% of capital, below the 300% screen, with construction at 8% against the 100% screen.

Return on assets is 1.16%, 5th of 8 against a median of 1.18%, on an efficiency ratio of 48.9%, 2nd of 8. Five years ago it was 1.02%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 90.5% BM BNY Mellon National Association 71.4% CB Customers Bank 82.4% TC Tristate Capital Bank 87.3% FB Fulton Bank National Association 89.0% FC First Commonwealth Bank 92.0% NB Northwest Bank 92.1% FN First National Bank of Pennsylvania 92.2% DB Dollar Bank FSB 99.0%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

SBA 7(a), FY2008 to FY2026

Customers Bank is the 21st largest 7(a) lender into Pennsylvania of 374, with $181M across 308 loans, 1.4% of everything approved in the state (The Huntington National Bank leads with $747M). 179 of its 301 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Berks, PA$68M1st of 8914.1%-12.2 pts
Chester, PA$26M8th of 1213.2%+0.0 pts
Mecklenburg, NC$25M21st of 1771.2%+0.3 pts
Los Angeles, CA$24M91st of 3080.1%+0.1 pts
Middlesex, MA$21M19th of 1901.4%-0.1 pts
Kings, NY$18M36th of 1690.7%thin
Broward, FL$17M41st of 2090.6%-0.2 pts
Montgomery, PA$17M24th of 1601.2%-1.0 pts
San Luis Obispo, CA$17M11th of 992.4%-13.7 pts
Bucks, PA$16M20th of 1401.4%-0.2 pts
Orange, FL$15M39th of 2010.7%+0.6 pts
Pinellas, FL$13M38th of 1710.8%+1.5 pts
Philadelphia, PA$12M30th of 1471.0%-2.1 pts
288 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance192$227M22.6%0.48%40th of 2,172
Accommodation & food services163$154M15.3%0.20%109th of 2,596
Retail trade202$151M15.0%0.25%78th of 2,589
Professional & technical services140$80M8.0%0.25%54th of 1,955
Construction123$79M7.9%0.25%72nd of 2,063
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Customers Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans CB Customers Bank 1.5% $181M · 308 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Customers BankRankCohort median
Total CRE against capital, the 300% screen179%6th of 8172%
Construction against capital, the 100% screen8%2nd of 818%
Construction and land development, share of loans1.1%3rd of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans9.5%2nd of 812.6%
Total CRE, the guidance definition, share of loans25.3%6th of 824.6%
CRE growth over 36 months, the third prong+32.5%7th of 8+13.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Customers BankCohort median
20212026Change20212026Change
Loans$16.97B$18.02B+6%$13.64B$18.30B+34%
Deposits$13.96B$21.88B+57%$13.19B$22.10B+68%
NPA / loans0.29%0.33%+0.05 pts0.61%0.54%-0.07 pts
Efficiency53.5%48.9%-4.6 pts56.9%55.1%-1.8 pts
ROA1.02%1.16%+0.14 pts1.10%1.18%+0.07 pts

This read was prepared for Customers Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Customers Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution www.customersbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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