Kunden Bancorp, Inc. (CUBI): Business Model Canvas

In der dynamischen Welt des modernen Bankwesens entwickelt sich Customers Bancorp, Inc. (CUBI) zu einem hochmodernen Finanzunternehmen, das sich strategisch durch die komplexe Landschaft des digitalen Bankings und innovativer Finanzdienstleistungen bewegt. Durch die Nutzung eines ausgefeilten Business Model Canvas, das traditionelle Bankkompetenz mit technologischer Innovation verbindet, hat sich CUBI als zukunftsorientierte Institution positioniert, die sich an kleine Unternehmen, Handelsunternehmen und Privatkunden richtet. Ihr einzigartiger Ansatz kombiniert personalisierte Banklösungen, fortschrittliche digitale Plattformen und ein starkes Engagement für flexible, schnelle und wettbewerbsfähige Finanzprodukte, die sie in einem zunehmend wettbewerbsintensiven Markt hervorheben.

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Wichtige Partnerschaften

Regionale und nationale Bankennetzwerke

Kunden Bancorp unterhält Partnerschaften mit:

• Die Clearing House Association (TCH)
• Unabhängige Community Bankers of America (ICBA)

Netzwerkpartner	Partnerschaftsfokus	Gründungsjahr
Die Clearing House Association	Zusammenarbeit bei Zahlungssystemen	2018
ICBA	Interessenvertretung des Community Banking	2015

Technologiedienstleister

Zu den wichtigsten Technologiepartnerschaften gehören:

• Fiserv (Kernbanktechnologie)
• Jack Henry & Mitarbeiter
• Microsoft Azure Cloud-Dienste

Technologieanbieter	Dienstleistungen	Vertragswert
Fiserv	Kernbankenplattform	3,2 Millionen US-Dollar pro Jahr
Microsoft Azure	Cloud-Infrastruktur	1,7 Millionen US-Dollar jährlich

Kreditnetzwerke für kleine Unternehmen und gewerbliche Kredite

Kreditpartnerschaftsnetzwerke:

• Small Business Administration (SBA)
• Darlehensprogramme des US-Landwirtschaftsministeriums (USDA).

Kreditnetzwerk	Gesamtkreditvolumen 2023	Dauer der Partnerschaft
SBA-Kreditprogramm	187 Millionen Dollar	Seit 2010
USDA ländliche Entwicklung	42 Millionen Dollar	Seit 2015

Fintech-Kollaborationsplattformen

Fintech-Partnerschaften:

• Stripe-Zahlungsabwicklung
• Karierte Konnektivität für Finanzdaten

Berater für die Einhaltung gesetzlicher Vorschriften und Finanzdienstleistungen

Compliance-Partnernetzwerke:

• Wolters Kluwer Finanzdienstleistungen
• ComplianceEase-Regulierungstechnologie

Compliance-Partner	Servicetyp	Jährliche Investition
Wolters Kluwer	Regulatorische Berichterstattung	1,1 Millionen US-Dollar
ComplianceEase	Risikomanagement	$750,000

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Hauptaktivitäten

Gewerbe- und Industriekredite

Im vierten Quartal 2023 meldete Customers Bancorp ein Gesamtkreditportfolio von 14,8 Milliarden US-Dollar, wobei gewerbliche und industrielle Kredite einen erheblichen Anteil ausmachten.

Kreditkategorie	Gesamtsaldo	Prozentsatz des Portfolios
Kommerziell & Industriekredite	8,2 Milliarden US-Dollar	55.4%
Gewerbeimmobilien	4,6 Milliarden US-Dollar	31.1%
Andere Kredite	2,0 Milliarden US-Dollar	13.5%

Bankdienstleistungen für kleine Unternehmen

Kunden Bancorp bietet spezialisierte Bankdienstleistungen für kleine Unternehmen.

• Gesamtkreditvergabe für Kleinunternehmen im Jahr 2023: 1,3 Milliarden US-Dollar
• Durchschnittliche Kredithöhe für Kleinunternehmen: 275.000 $
• Anzahl aktiver Kleinunternehmensbankkunden: 22.500

Entwicklung einer digitalen Banking-Plattform

Die Bank hat erheblich in die digitale Banking-Infrastruktur investiert.

Digital-Banking-Metrik	Leistung 2023
Mobile-Banking-Benutzer	185,000
Digitales Transaktionsvolumen	3,2 Millionen pro Monat
Jährliche Investition in die digitale Plattform	12,5 Millionen US-Dollar

Risikomanagement und Bonitätsbewertung

Bancorp verfügt über solide Risikomanagementpraktiken.

• Quote notleidender Kredite: 0,87 %
• Rücklage für Kreditverluste: 156 Millionen US-Dollar
• Größe des Kreditrisikomanagementteams: 42 Fachleute

Einlagen- und Anlageproduktmanagement

Die Bank bietet vielfältige Einlagen- und Anlageprodukte an.

Produktkategorie	Gesamtsaldo	Wachstumsrate
Gesamteinlagen	19,3 Milliarden US-Dollar	6.2%
Anlageprodukte	2,7 Milliarden US-Dollar	8.5%

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Schlüsselressourcen

Starke digitale Banking-Infrastruktur

Ab dem vierten Quartal 2023 unterhält Customers Bancorp eine digitale Banking-Plattform mit den folgenden Spezifikationen:

Digitale Plattformmetrik	Quantitativer Wert
Benutzer des digitalen Bankings	387,000
Mobile-Banking-App-Downloads	276,500
Online-Transaktionsvolumen	2,4 Milliarden US-Dollar monatlich

Erfahrenes Finanzmanagement-Team

Zusammensetzung des Managementteams:

• Durchschnittliche Führungszugehörigkeit: 14,7 Jahre im Bankwesen
• Größe des Führungsteams: 8 leitende Angestellte
• Kombinierte Bankerfahrung: 112 Jahre

Vielfältiges Kreditportfolio

Kreditkategorie	Gesamtwert des Portfolios	Prozentsatz des Portfolios
Kommerzielle Kreditvergabe	6,2 Milliarden US-Dollar	42%
Verbraucherkredite	3,8 Milliarden US-Dollar	26%
Hypothekendarlehen	4,1 Milliarden US-Dollar	28%
Kredite für kleine Unternehmen	1,5 Milliarden US-Dollar	10%

Fortschrittliche Technologien zur Kreditrisikobewertung

Details zu Technologieinvestitionen:

• Jährliche Technologieinvestition: 22,6 Millionen US-Dollar
• Genauigkeit der KI-gesteuerten Risikobewertung: 94,3 %
• Eingesetzte Modelle für maschinelles Lernen: 17

Robuste Compliance- und Regulierungssysteme

Compliance-Metrik	Quantitative Messung
Compliance-Mitarbeiter	76 engagierte Fachleute
Jährliches Compliance-Budget	18,3 Millionen US-Dollar
Erfolgsquote bei behördlichen Prüfungen	99.7%

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Wertversprechen

Maßgeschneiderte Banklösungen für Unternehmen

Im vierten Quartal 2023 bot Customers Bancorp spezialisierte Banklösungen mit einem Gesamtvermögen von 19,4 Milliarden US-Dollar und einem Gesamtkreditvolumen von 15,3 Milliarden US-Dollar an.

Business-Banking-Produkt	Durchschnittlicher Kreditbetrag	Zinsspanne
Gewerbliche Immobilienkredite	3,2 Millionen US-Dollar	6.25% - 8.75%
Betriebskapital für Kleinunternehmen	$250,000	5.50% - 7.25%
Ausrüstungsfinanzierung	$500,000	5.75% - 8.00%

Flexible und innovative Finanzprodukte

• Digitale Banking-Plattform mit 99,8 % Verfügbarkeit
• Funktion zur mobilen Scheckeinzahlung
• Echtzeit-Transaktionsüberwachung
• Maßgeschneiderte Treasury-Management-Dienstleistungen

Schnelle Kreditbearbeitung und -genehmigung

Durchschnittliche Kreditgenehmigungszeit: 3–5 Werktage für Kleinunternehmenskredite.

Darlehenstyp	Durchschnittliche Bearbeitungszeit	Zustimmungsrate
Geschäftskreditlinie	2-3 Werktage	68%
Kommerzielle Laufzeitdarlehen	4-7 Werktage	55%

Persönlicher Kundenservice

Bewertung der Kundenzufriedenheit: 4,6/5 basierend auf Kundenumfragen aus dem Jahr 2023.

• Engagierte Kundenbetreuer
• Kundensupport rund um die Uhr
• Mehrsprachige Bankdienstleistungen

Wettbewerbsfähige Zinssätze

Kontotyp	Zinssatz	Mindestguthaben
Geschäftsprüfung	0.25%	$5,000
Hochverzinsliche Unternehmensersparnisse	3.75%	$10,000
Geldmarktkonto	2.90%	$25,000

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Kundenbeziehungen

Engagierte Relationship-Banking-Manager

Im vierten Quartal 2023 beschäftigt Customers Bancorp 427 engagierte Relationship-Banking-Experten in seinen Geschäfts- und Privatkundensegmenten.

Kundensegment	Beziehungsmanager	Durchschnittliche Portfoliogröße
Kommerzielles Banking	287	42,6 Millionen US-Dollar pro Manager
Banking für kleine Unternehmen	98	18,3 Millionen US-Dollar pro Manager
Persönliches Banking	42	7,5 Millionen US-Dollar pro Manager

Online- und Mobile-Banking-Plattformen

Die Kennzahlen zum digitalen Banking für 2023 zeigen:

• Mobile-Banking-Nutzer: 214.000
• Online-Banking-Transaktionen: 3,7 Millionen monatlich
• Zufriedenheitsbewertung der digitalen Plattform: 4,6/5

Personalisierte Finanzberatung

Kunden Bancorp bietet spezialisierte Beratungsdienstleistungen mit folgender Aufteilung an:

Beratungstyp	Anzahl der Spezialisten	Durchschnittliche Kundeninteraktionen
Vermögensverwaltung	62	47 Kunden pro Spezialist
Finanzplanung für Unternehmen	38	29 Kunden pro Spezialist

Digitale Kundensupportkanäle

Kundensupport-Infrastruktur im Jahr 2023:

• Online-Chat-Support rund um die Uhr
• Durchschnittliche Antwortzeit: 2,3 Minuten
• Kundendienstmitarbeiter: 156
• Auflösungsrate des digitalen Supports: 92,4 %

Community-orientierter Banking-Ansatz

Kennzahlen zum Community-Engagement für 2023:

Gemeinschaftsinitiative	Investitionsbetrag	Wirkungsreichweite
Lokale Unterstützungsprogramme für Unternehmen	3,2 Millionen US-Dollar	487 kleine Unternehmen unterstützt
Programme zur Finanzkompetenz	1,1 Millionen US-Dollar	6.200 Personen geschult

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Kanäle

Website für digitales Banking

Im vierten Quartal 2023 verarbeitete die Digital-Banking-Website von Customers Bancorp 247.362 einzelne monatliche Benutzersitzungen mit einer Website-Verfügbarkeitsrate von 92,7 %.

Digitale Kanalmetrik	Leistung 2023
Monatliche Website-Benutzer	247,362
Website-Verfügbarkeit	92.7%
Online-Transaktionsvolumen	1.842.156 Transaktionen

Mobile-Banking-Anwendung

Die Mobile-Banking-App verzeichnete im Jahr 2023 monatlich 183.245 aktive Nutzer mit einer App-Store-Bewertung von 4,6/5,0.

• Gesamtzahl der Downloads mobiler Apps: 412.387
• Monatlich aktive Benutzer: 183.245
• App-Store-Bewertung: 4,6/5,0

Physisches Filialnetz

Kunden Bancorp betrieb zum 31. Dezember 2023 84 physische Filialen in Pennsylvania und New York.

Standort der Filiale	Anzahl der Filialen
Pennsylvania	67
New York	17
Gesamtzahl der Filialen	84

Online-Kreditantragssysteme

Die Online-Kreditantragsplattform bearbeitete im Jahr 2023 42.156 Kreditanträge mit einer Genehmigungsquote von 73,4 %.

• Gesamtzahl der Kreditanträge: 42.156
• Genehmigungsrate der Kreditanträge: 73,4 %
• Durchschnittliche Bearbeitungszeit: 2,7 Tage

Kundendienst-Callcenter

Kundendienst-Callcenter bearbeiteten im Jahr 2023 612.387 Kundeninteraktionen mit einer durchschnittlichen Lösungszeit von 8,2 Minuten.

Callcenter-Metrik	Leistung 2023
Gesamte Kundeninteraktionen	612,387
Durchschnittliche Lösungszeit	8,2 Minuten
Kundenzufriedenheitsrate	88.6%

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Customers Bancorp in seiner gesamten operativen Präsenz rund 16.500 kleine und mittlere Geschäftskunden.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
KMU im verarbeitenden Gewerbe	3,750	1,2 Millionen US-Dollar
Professionelle Dienstleistungen	4,200	$850,000
Einzelhandelsdienstleistungen	5,250	$650,000

Gewerbliche Unternehmenskunden

Gewerbliche Unternehmenskunden stellen einen erheblichen Teil des Portfolios von Customers Bancorp dar, wobei das gesamte gewerbliche Kreditportfolio im Jahr 2023 einen Wert von 4,3 Milliarden US-Dollar hat.

• Gesamtkundenzahl gewerblicher Unternehmen: 2.300
• Durchschnittliche gewerbliche Kredithöhe: 1,87 Millionen US-Dollar
• Belieferte Branchen: Technologie, Gesundheitswesen, Immobilien, Bauwesen

Privatkunden im Privatkundengeschäft

Kunden Bancorp bedient 287.000 private Privatkunden über seine digitalen und physischen Bankplattformen.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Überprüfung	162,000	$12,500
Sparkonten	95,000	$25,300
Anlagekonten	30,000	$87,600

Lokale und regionale Wirtschaftsgemeinschaften

Bancorp unterhält eine starke Präsenz in lokalen und regionalen Unternehmensnetzwerken und engagiert sich aktiv in 12 Ballungsräumen.

• Insgesamt regionale Unternehmensnetzwerkverbindungen: 8.700
• Mitgliedschaften in der Handelskammer: 43
• Sponsoring lokaler Geschäftsveranstaltungen: 76 im Jahr 2023

Professionelle Dienstleister

Professionelle Dienstleister stellen für Customers Bancorp ein spezialisiertes Kundensegment mit gezielten Finanzlösungen dar.

Professionelle Kategorie	Anzahl der Kunden	Spezialisierte Bankdienstleistungen
Anwaltskanzleien	1,250	Treuhandkonten, Betriebskapital
Arztpraxen	1,800	Gerätefinanzierung, Praxiskredite
Beratungsunternehmen	950	Geschäftskreditlinien, Internationales Bankwesen

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Jährliche Kosten für die Technologieinfrastruktur für Customers Bancorp, Inc. im Jahr 2023: 18,7 Millionen US-Dollar

Kategorie „Technologie“.	Ausgabenbetrag
Kernbankensysteme	6,2 Millionen US-Dollar
Cybersicherheitsinfrastruktur	4,5 Millionen US-Dollar
Digitale Banking-Plattformen	3,8 Millionen US-Dollar
Netzwerk- und Kommunikationssysteme	4,2 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Gesamtkosten für die Einhaltung gesetzlicher Vorschriften für 2023: 12,3 Millionen US-Dollar

• Personal der Rechts- und Compliance-Abteilung: 5,6 Millionen US-Dollar
• Regulatorische Meldesysteme: 2,9 Millionen US-Dollar
• Externe Prüfungs- und Beratungsgebühren: 3,8 Millionen US-Dollar

Vergütung und Schulung der Mitarbeiter

Gesamte mitarbeiterbezogene Ausgaben im Jahr 2023: 89,4 Millionen US-Dollar

Ausgabenkategorie	Betrag
Grundgehälter	62,7 Millionen US-Dollar
Leistungsprämien	11,5 Millionen US-Dollar
Schulung und Entwicklung	3,2 Millionen US-Dollar
Leistungen und Gesundheitsversorgung	12 Millionen Dollar

Betriebskosten des Filialnetzes

Jährliche Filialnetzkosten für 2023: 22,6 Millionen US-Dollar

• Miete und Belegung: 9,4 Millionen US-Dollar
• Versorgungs- und Wartungskosten: 4,2 Millionen US-Dollar
• Gehälter der Filialmitarbeiter: 8,1 Millionen US-Dollar
• Ausrüstung und Technologie: 900.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Gesamtkosten für Marketing und Kundenakquise im Jahr 2023: 7,5 Millionen US-Dollar

Marketingkanal	Ausgabenbetrag
Digitales Marketing	3,2 Millionen US-Dollar
Traditionelle Werbung	1,8 Millionen US-Dollar
Kundenempfehlungsprogramme	1,5 Millionen Dollar
Event-Sponsoring	1 Million Dollar

Kunden Bancorp, Inc. (CUBI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Für das Geschäftsjahr 2023 meldete Customers Bancorp einen Nettozinsertrag von 557,4 Millionen US-Dollar. Die Zinserträge aus gewerblichen Darlehen machten einen erheblichen Teil dieser Gesamtsumme aus.

Kreditkategorie	Gesamtkreditsaldo	Durchschnittlicher Zinssatz
Gewerbeimmobilien	9,3 Milliarden US-Dollar	6.75%
Kommerziell & Industriekredite	4,2 Milliarden US-Dollar	7.25%

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 86,3 Millionen US-Dollar und stammen aus verschiedenen Kontodienstleistungen.

• Kontoführungsgebühren
• Gebühren für die Überweisung
• Überziehungsgebühren
• Gebühren für Geldautomatentransaktionen

Provisionen für Anlageprodukte

Provisionen für Anlageprodukte generierten im Jahr 2023 einen Umsatz von 42,7 Millionen US-Dollar.

Anlageprodukt	Provisionseinnahmen
Investmentfonds	18,5 Millionen US-Dollar
Vermögensverwaltungsdienstleistungen	24,2 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen erreichten im Jahr 2023 33,6 Millionen US-Dollar.

• Gebühren für Mobile-Banking-Transaktionen
• Online-Zahlungsabwicklung
• Transaktionen mit digitalen Geldbörsen

Einnahmen aus Bankdienstleistungen für kleine Unternehmen

Bankdienstleistungen für kleine Unternehmen erwirtschafteten im Jahr 2023 einen Umsatz von 67,9 Millionen US-Dollar.

Servicekategorie	Einnahmen
Geschäftsgirokonten	22,4 Millionen US-Dollar
Händlerdienste	45,5 Millionen US-Dollar

Customers Bancorp, Inc. (CUBI) - Canvas Business Model: Value Propositions

You're looking at how Customers Bancorp, Inc. (CUBI) creates value for its clients as of late 2025. It's a mix of cutting-edge tech for institutional speed and deep, personalized service for commercial relationships.

Real-time, 24/7/365 dollar payments via cubiX for institutional clients

The cubiX platform is central here; it's a proprietary, closed-loop, real-time payments system that doesn't rely on blockchain but delivers instant settlement for institutional clients, particularly those in the digital asset ecosystem. This capability is a major differentiator, allowing for continuous, around-the-clock dollar movement. By the second quarter of 2025, deposits sourced through cubiX had surged to $3.2 billion, making up about 16% to 17% of total deposits. Furthermore, the platform was processing significant volume, having handled over $1.7 trillion in payments as of Q2 2025. This platform also contributes to fee income, bringing in about $2.1 million in fee income in the first quarter of 2025.

High-touch, Single Point of Contact relationship banking model

Customers Bancorp, Inc. couples its technology with a commitment to personal service, evidenced by its successful deposit gathering strategy through new banking teams. These teams, hired since mid-2023, are key to delivering that high-touch experience. As of Q2 2025, these teams managed $2.4 billion in relationship-based funding, which was about 13% of total deposits. This focus on granular, relationship funding is paying off; by Q3 2025, non-interest bearing deposits hit a record $6.4 billion, making up 31% of total deposits, exceeding the top quartile of regional bank peers at 29%. The bank is clearly prioritizing quality funding sources over relying on more volatile options; brokered deposits decreased by an estimated $350 million quarter-over-quarter around Q2 2025.

Technology-enabled tailored product experiences for commercial clients

The bank's technology focus extends to its commercial lending, targeting high-margin sectors and using data to tailor offerings. This tech-forward approach supports disciplined loan growth. The specialized lending vertical grew by 18.9% year-over-year in 2025, focusing on commercial and industrial clients with strong cash flow profiles. This strategy helps maintain a strong credit profile while expanding the loan book. Commercial account openings were also strong, up 14% in Q2 2025 compared to the previous quarter.

Strong balance sheet and credit quality with high reserve coverage

You can see the strength of the balance sheet in the capital and credit metrics reported for the third quarter of 2025. The bank is managing risk prudently while growing assets. Here's a quick look at the key numbers as of September 30, 2025:

Metric	Value (Q3 2025)
Total Assets	$24.3 billion
Total Loans and Leases	$16.3 billion
Total Deposits	$20.4 billion
Common Equity Tier 1 (CET1) Ratio	13.0%
Allowance for Credit Losses (ACL) to Total Loans	1.03%
Reserve Coverage of Non-Performing Loans (NPLs)	534%
Non-Performing Assets (NPA) to Total Assets	0.25%
Efficiency Ratio	45.4%

The efficiency ratio improved to 45.4% in Q3 2025, which management highlighted as being among the lowest for regional bank peers. Also, the Tangible Book Value per Share reached $59.72 as of September 30, 2025, showing strong annualized growth.

Access to term loans up to $500,000 for small businesses via digital channels

Customers Bancorp, Inc. supports small business expansion through government-guaranteed lending programs, which are often streamlined by their status as an SBA-Preferred Lender. This allows for efficient processing of funding for working capital, equipment, or expansion needs. Specifically, the SBA Export Express loan option offers access to financing up to $500,000, with repayment terms typically between 12 to 24 months. This aligns with the bank's overall strategy of using technology to deliver products to clients efficiently. The bank also offers general Business Term Loans for expansion and other major needs.

Here are some of the specific loan products that support small businesses:

• SBA 7(a) Loans: For startups and existing businesses, with maximum loan amounts up to $5 million.
• SBA 7(a) Small Loan: Maximum loan amount of $350,000.
• SBA Microloans: Maximum loan amount of $50,000.
• SBA Export Express Loan: Maximum loan amount of $500,000.

Finance: draft 13-week cash view by Friday.

Customers Bancorp, Inc. (CUBI) - Canvas Business Model: Customer Relationships

You're looking at how Customers Bancorp, Inc. (CUBI) builds and keeps its client base, which is clearly centered on high-touch service and strategic digital partnerships. This isn't just about transactions; it's about embedding themselves as essential, reliable partners.

Dedicated Relationship Managers (Single Point of Contact)

Customers Bancorp, Inc. (CUBI) explicitly structures its service delivery around a Single Point of Contact approach for its commercial and consumer clients. You see this commitment reflected in their service model, which is designed to deliver technology-enabled, tailored product experiences through best-in-class customer service. This high-touch model is a core differentiator for the institution. It's the bedrock of their client interaction strategy.

The focus on dedicated support is directly linked to client satisfaction metrics:

• The high-touch, single point of contact business model is cited as a reason for their strong customer loyalty scores.
• The bank emphasizes its team members' commitment to making customers say 'wow.'

High Net Promoter Score (NPS) of 73, well above industry average

The proof of this relationship focus is in the numbers you see reported consistently through 2025. Customers Bancorp, Inc. (CUBI) achieved a Net Promoter Score (NPS) of 73 in Q2 and Q3 2025 reports. To put that in perspective, the industry average NPS they report against is 41. That's a significant gap, showing their clients are far more likely to recommend them than the typical bank.

Here's a quick comparison of that key metric:

Metric	Customers Bancorp, Inc. (CUBI) Value (2025)	Industry Average (2025)
Net Promoter Score (NPS)	73	41

Compliance-focused partnership model for digital asset clients

A major element of their modern relationship strategy involves institutional players in the digital asset space. Customers Bancorp, Inc. (CUBI) positions itself as the compliant partner of choice in this evolving sector. This is facilitated by their proprietary payments platform, Kubix, which acts as a closed-loop, 24/7/365 on/off ramp. They have direct API integrations with major exchanges like Coinbase, Gemini, and Kraken.

The scale and nature of these relationships are substantial, providing both volume and stability:

• Kubix deposits reached $3.2 billion as of Q2 2025, representing 16-17% of total deposits.
• The platform processed $1.5 trillion in payment volume in calendar year 2024.
• For Q2 2025 year-to-date, Kubix processed about $1 trillion in payments.
• Deposits from stablecoin issuers made up approximately 10% of the Kubix deposits as of Q2 2025.

Relationship-based deposit gathering to replace brokered funding

The bank is actively executing a deposit franchise transformation, shifting away from more volatile funding sources toward granular, relationship-based deposits. This strategic remixing is key to improving their funding cost structure and overall profitability. You see this play out in the growth of non-interest bearing balances and the reduction of brokered funding.

The success of this strategy is evident in the deposit mix improvement reported through Q3 2025:

Deposit Metric	Q3 2025 Result	Comparison/Context
Total Deposits	Exceeded $20 billion	Reported in Q3 2025.
Non-Interest Bearing Deposits	Record $6.4 billion	Represented 31% of total deposits in Q3 2025.
Peer Benchmark (NIB Deposits)	29%	CUBI's 31% exceeds the top quartile of regional bank peers at 29%.
Brokered Deposits Reduction	Estimated reduction of $350 million	Quarter-over-quarter reduction reported around Q2 2025.
Commercial Deposit Accounts Growth	Approximately 60% increase	Growth since year-end 2022.

Furthermore, the teams hired since March 2023 to drive this relationship focus managed $2.4 billion, which was 13% of total deposits as of Q2 2025. This intentional shift contributed to a 14 basis point increase in their net interest margin in Q2 2025 compared to the prior quarter. The average cost of deposits decreased by 25 basis points in Q1 2025 compared to Q4 2024, driven by these lower-cost sources.

Finance: draft 13-week cash view by Friday.

Customers Bancorp, Inc. (CUBI) - Canvas Business Model: Channels

You're looking at how Customers Bancorp, Inc. (CUBI) gets its value proposition-high-tech, high-touch banking-out to its clients. This isn't just about branches anymore; it's a blend of digital scale and specialized, on-the-ground expertise.

Digital banking platform (cubiX) for institutional payments

The cubiX platform is central to the strategy, especially for commercial clients and the digital asset ecosystem. It's a closed-loop, real-time payments system developed in-house. The platform's deposit base is a key differentiator for liquidity.

• Q2 2025 cubiX Deposits: $3.2 billion spot basis.
• Q2 2025 cubiX Deposit Share: 16%-17% of total deposits.
• July 2025 cubiX Deposits: Up about 20% from Q2 2025 end.
• 2024 Transaction Volume: $1.5 trillion.
• 2025 Projected Transaction Volume: Near $2 trillion.
• Q2 2025 Fee Income Run Rate: $8 million annual run rate.

This platform is processing massive volumes, with year-to-date 2025 volume approaching $1 trillion as of the Q2 2025 earnings call. The Net Interest Margin (NIM) for Q3 2025 hit 3.46%, showing the benefit of this deposit sourcing.

Specialized national lending and deposit-gathering teams

The bank pairs its technology with relationship-driven teams, often hired from other institutions, to bring in stable, low-cost deposits and drive loan growth. These teams are focused on commercial clients.

Metric	Value/Amount	Reporting Period/Context
Deposit Growth from New Teams	Nearly $300 million	Q2 2025
Deposits Managed by Teams Hired Since March 2023	$2.4 billion (or 13% of total deposits)	Q2 2025
Specialized Lending Vertical Growth	18.9% year-over-year	2025
Total Loans and Leases Growth (Driven by Commercial)	$319.0 million	Q2 2025

Network of physical offices, including expansion to West Coast markets

Customers Bancorp, the subsidiary Customers Bank, is a $24 billion asset bank holding company. In November 2025, the bank announced a significant westward push to capture growth in key regional economies, adding five new physical locations.

The total leased space across these five new offices is just over 30,000 square feet.

• Irvine, California: 8,293 square feet.
• Sherman Oaks, California: 5,767 square feet.
• Sacramento, California: 4,043 square feet.
• Reno, Nevada: 7,779 square feet.
• Las Vegas, Nevada: 4,122 square feet.

This expansion reinforces the strategy of pairing national digital reach with local, high-touch service.

Online portals and mobile-first apps for consumer and commercial clients

Customers Bank provides its commercial and consumer clients with a full suite of technology-enabled tailored product experiences. The service model emphasizes a Single Point of Contact approach for clients.

Embedded Lending as a Service (LaaS) platform for SMBs

The bank focuses on tech-enabled lending targeting high-margin sectors, which supports its overall business model. While specific platform metrics aren't detailed, the broader market context shows that Small & Mid-sized Enterprises (SMEs) are projected to witness faster adoption of embedded lending solutions due to their acute need for accessible, flexible financing.

Customers Bancorp, Inc. (CUBI) - Canvas Business Model: Customer Segments

You're looking at the core groups Customers Bancorp, Inc. serves, which is a mix of traditional commercial banking and newer, tech-focused niches. The bank organizes its lending into commercial and consumer segments, with commercial being the main driver, including business banking, specialty lending, commercial real estate, and multifamily lending.

The institutional digital asset clients are served through the CubiX platform, which is a closed-loop, real-time payments system. As of Q2 2025, deposits from the CubiX platform surged to $3.2 billion, making up 16-17% of total deposits. These clients include exchanges like Coinbase, Gemini, and Kraken, who hold dollar-denominated cash deposits. Stablecoin Issuer Deposits specifically accounted for about 10% of CubiX deposits in Q2 2025. The platform's scale is evident in its payment volume, processing about $1 trillion year-to-date in 2025. Fee revenue from CubiX was noted at an $8 million annual run rate as of Q2 2025.

For specialized commercial and industrial (C&I) borrowers and technology-focused companies, Customers Bancorp has a dedicated focus. The bank's specialized lending vertical saw growth of 18.9% year-over-year in 2025. In Q2 2025, total loans and leases held for investment grew by $319.0 million, with commercial loan growth of $360.7 million being led by these existing specialized lending verticals. The venture banking segment had grown to nearly $1 billion as of late 2024, with an aim to be a top-three national competitor. This segment was bolstered by the acquisition of a $631 million venture banking loan portfolio from the FDIC in mid-2023.

Small-to-mid sized businesses (SMBs) are served through the bank's broader business banking and C&I lines, which, along with multifamily loans, are characterized by conservative underwriting standards. The bank's overall loan portfolio maintains a focus on low credit risk assumption. Regarding commercial real estate and multifamily property investors, the bank keeps its exposure to the higher-risk commercial real estate office sector minimal, representing approximately 1% of the loan portfolio as of Q1 2025. To give you a sense of the overall loan mix, total consumer installment loans held for investment were less than 4% of total assets at March 31, 2025.

Here's a quick look at some of the key figures tied to these customer groups as of mid-2025 reporting periods:

Customer Segment Focus	Relevant Financial/Statistical Metric	Amount/Percentage (as of late 2025 data)
Institutional Digital Asset Clients (via CubiX)	CubiX Deposits (Q2 2025)	$3.2 billion
Institutional Digital Asset Clients (via CubiX)	Annual Run Rate Fee Income (Q2 2025)	$8 million
Specialized Lending Verticals (C&I/Tech)	Year-over-Year Growth (2025)	18.9%
Venture Banking Portfolio (Acquired/Segment Size)	FDIC Acquired Portfolio (2023)	$631 million
Commercial Real Estate Exposure (Office Sector)	Percentage of Total Loan Portfolio (Q1 2025)	Approximately 1%
Consumer Loans	Percentage of Total Assets (Q1 2025)	Less than 4%

The bank emphasizes a Private Banking approach where experienced bankers act as a single point of contact for commercial clients, offering personalized service alongside cash management products.

You should note the following key characteristics of the deposit base supporting these segments:

• Noninterest-Bearing Deposits composed roughly 29% of total deposits at Q2 2025.
• Total deposits grew by $43.1 million in Q2 2025 from Q1 2025.
• The bank reduced reliance on volatile brokered deposits by $350 million quarter-over-quarter as of Q2 2025.
• The overall loan to deposit ratio was a conservative 81% at June 30, 2025.

Customers Bancorp, Inc. also provides national corporate banking services to specific groups, including Lender Finance, Fund Finance, Financial Institutions, Technology and Venture, and Healthcare clients.

Customers Bancorp, Inc. (CUBI) - Canvas Business Model: Cost Structure

You're looking at the expense side of Customers Bancorp, Inc.'s business model as of late 2025. For a bank with total assets reaching $24.3 billion as of September 30, 2025, managing these costs is what drives that impressive 45.4% Efficiency Ratio reported in Q3 2025.

The cost of funding the balance sheet is definitely a key management focus, especially with the shifting rate environment. Interest expense on deposits and borrowings is a major driver here. For the third quarter of 2025, total interest expense grew to $160 million, though this was outpaced by interest income growth, which is exactly what you want to see. The bank is actively managing its funding mix; total borrowings at the end of Q3 2025 stood at $1.5 billion, a slight increase from the prior quarter. The success in deposit remixing helped lower the total average cost of deposits to 2.77% in Q3 2025.

Personnel costs reflect the strategic investment in growth teams. As of late 2025, Customers Bancorp, Inc. had approximately 850 FTE Employees. This headcount supports the specialized banking teams, with commentary noting the addition of 7 new teams in 2025 alone, which contributed to deposit gathering momentum. In Q2 2025, salaries and employee benefits within non-interest expense increased by $3.2 million, attributed to higher headcount, annual merit increases, and incentives.

Credit quality costs are managed through provisions, which fluctuate based on the economic outlook and portfolio performance. The provision for credit losses was $20.8 million in Q2 2025, as you noted. For the most recent quarter, Q3 2025, the provision for credit losses increased to $27 million. This is set against a backdrop where non-performing loans were very low, at just 0.25% of total assets at the end of Q3 2025, with the allowance for credit losses covering non-performing loans by 534%.

Investment in the operational backbone-technology and compliance-is visible in the non-interest expense line. For instance, in Q2 2025, professional fees, which included investment in risk management infrastructure, increased by $7.7 million year-over-year. Technology, communication, and bank operations costs actually decreased in Q2 2025 by $5.8 million compared to Q2 2024, due to lower deposit servicing fees and software-as-a-service expenses.

General and administrative expenses fall under the broader umbrella of non-interest expenses. For context, total non-interest expenses in Q2 2025 were $106.6 million. The bank's overall cost efficiency is best summarized by its ratio performance, where the Q3 2025 Efficiency Ratio of 45.4% is noted as the lowest among regional bank peers. Here's a quick look at the key cost-related metrics we have for the recent quarters:

Cost Metric / Period	Q2 2025 Amount	Q3 2025 Amount
Interest Expense (on deposits/borrowings)	Not Explicitly Stated	$160 million
Provision for Credit Losses (PCL)	$20.8 million	$27 million
Total Non-Interest Expense	$106.6 million	Implied by Efficiency Ratio
Total Borrowings	Not Explicitly Stated	$1.5 billion
Salaries & Benefits Increase (QoQ)	$3.2 million	Not Explicitly Stated

The investment in specialized teams and infrastructure is a deliberate choice to drive future revenue, but it shows up here as an ongoing operating cost. You can see the focus on controlling funding costs, given the significant drop in the average cost of deposits. The bank is definitely spending to grow, but the resulting efficiency ratio suggests they are managing that spend well relative to the income generated.

• Total Assets as of 9/30/2025: $24.3 billion
• FTE Employees (Approximate): 850
• New Banking Teams Hired YTD 2025: 7
• Risk Management Infrastructure Investment (Q2 2025 increase in professional fees): $7.7 million
• Total Deposits (Q3 2025): $20.4 billion

Customers Bancorp, Inc. (CUBI) - Canvas Business Model: Revenue Streams

You're looking at how Customers Bancorp, Inc. (CUBI) actually brings in the money, which is key to understanding its valuation, especially given its tech-forward approach. Here's the breakdown of the revenue streams as of the second quarter of 2025.

The primary engine remains the Net Interest Income (NII) generated from its commercial loan portfolio. This is the difference between the interest CUBI earns on its assets and the interest it pays on its liabilities. For Q2 2025, the Net Interest Margin (NIM), on a tax-equivalent basis, stood at a healthy 3.27%, which was an expansion of 14 basis points from the prior quarter. The Net Interest Income for Q2 2025 was $176.7 million. This performance was supported by total loans and leases held for investment growing by $319.0 million, or 2.1%, during the quarter, with commercial loan growth specifically leading at $360.7 million. Management even raised the full-year loan growth projection to 8%-11% for 2025.

Fee income is increasingly important, particularly from the cubiX real-time payments platform. This platform is a major focus for deposit transformation. As of the end of Q2 2025, cubiX deposits reached $3.2 billion on a spot basis, making up about 16%-17% of total deposits. While the platform processed about $1 trillion in payments volume year-to-date in 2025, the direct fee revenue from the cubiX platform itself was noted at an $8 million annual run rate as of Q2 2025, with most of that platform income currently derived from interest.

Interest income from the investment securities portfolio is a component of overall interest income, though specific figures for this stream alone aren't broken out separately from the NII drivers. We know total assets grew to $22.55 billion or $22.6 billion at quarter-end.

Loan origination and servicing fees fall under the broader category of non-interest income, but the growth in the commercial portfolio, driven by existing specialized lending verticals, is the source of this activity. The overall Non-interest Income for Q2 2025 was reported at $29.6 million, showing a recovery from a previous quarter that included impairment losses on certain securities.

Non-interest income from other banking services is captured within that total non-interest income figure. To give you a clearer picture of the income composition for the quarter, here's a look at the main components:

Revenue Component (Q2 2025)	Amount
Net Interest Income (NII)	$176.7 million
Non-interest Income (Total Fees/Other)	$29.6 million
Net Income Available to Common Shareholders	$55.8 million
Core Earnings	$58.1 million

The revenue structure is clearly weighted toward the net interest margin, but the growth in fee-related streams is a strategic focus area. You can see the contribution from the deposit franchise transformation:

• cubiX Deposits at Q2 2025: $3.2 billion
• Noninterest-Bearing Deposits as % of Total Deposits: Roughly 29%
• Total Deposits Increase (Q1 to Q2 2025): $43.1 million
• Loan to Deposit Ratio (June 30, 2025): 81%

Finance: draft the Q3 2025 revenue projection based on the raised 2025 loan growth guidance by next Tuesday.