CUBI Customers Bancorp, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: diversified commercial and consumer banking with branch-light, high-tech, high-touch private banking strategy emphasizing specialized lending and digital services
• • New in 2023-2025: venture banking loan portfolio acquisition; onboarding 17+ commercial banking teams in NY, CA, NV, plus national teams in sports, entertainment, municipal finance
• • Strategic shift: accelerated deposit growth via team lift-outs in key markets and expanded national specialized lending verticals, focusing on tech, venture, and fund finance
• • Key metric: total assets $24.9B, loans $16.6B, deposits $20.8B, shareholders’ equity $2.1B as of Dec 31, 2025, with commercial loans 91.5% of total loan portfolio
• • Noteworthy fact: proprietary cubiX 24/7/365 B2B instant payments platform enhances low-cost deposits and fee income, underpinning digital banking competitive advantage

Risk Factors

• • Regulatory risk: New York's Housing Stability and Tenant Protection Act (2019) impacting $849M multifamily loans with 50%+ rent-regulated units in NYC
• • Macroeconomic risk: $15.4B commercial loans concentrated in Northeast and Mid-Atlantic regions vulnerable to local economic downturns and real estate value declines
• • Operational risk: Dependency on proprietary B2B instant payments platform cubiX for digital asset ecosystems; loss of key deposit relationships could reduce low-cost deposits
• • Competitive risk: Exposure to loan portfolio shifts via purchases from fintech companies potentially altering credit risk profile adversely
• • Financial risk: ACL of $155.7M (1.03% of loans) may be insufficient, requiring additions that could materially reduce net income and risk-based capital

Management Discussion & Analysis

• • Revenue: Net interest income $750.5M, up 14.7% YoY from $654.4M; total non-interest income $67.8M, up 12.2% YoY from $60.4M
• • Profitability: Net interest margin 3.32% vs 3.15% YoY; effective tax rate 22.3% vs 19.1% YoY; net income available to common shareholders $209.2M, up 25.7% from $166.4M
• • Best segment: Specialized lending loans interest income increased $40.96M driven by volume increase; Worst segment: Investment securities interest income down $40.5M due to volume and rate declines
• • Capital allocation: Redeemed Series E and F Preferred Stock, paying $142.5M including $4.7M loss on redemption; Provision for credit losses $97.96M, up 33.4% YoY; maintained $6.2B liquidity with cash $4.4B at year-end
• • Outlook/risks: Uncertainties from inflation above 2% target until 2028, geopolitical conflicts, tariffs, banking system stress, and economic forecasts may affect credit loss provisions and financial results in 2026

What are the latest CUBI SEC filings in 2026?

Customers Bancorp, Inc. (CUBI) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 27, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CUBI file its most recent 10-K annual report?

Customers Bancorp, Inc. (CUBI) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CUBI 10-Q quarterly reports?

Customers Bancorp, Inc. (CUBI)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every CUBI 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CUBI filed recently?

Customers Bancorp, Inc. (CUBI)'s most recent 8-K was filed on July 27, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CUBI insider trading activity (Form 4)?

SignalX aggregates every CUBI Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CUBI file with the SEC?

Customers Bancorp, Inc. (CUBI) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CUBI filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Customers Bancorp, Inc. (CUBI).

What is CUBI's SEC CIK number?

Customers Bancorp, Inc. (CUBI)'s SEC CIK (Central Index Key) number is 1488813. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1488813 to look up all CUBI filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CUBI return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Customers Bancorp, Inc. (CUBI) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.