Clients Bancorp, Inc. (CUBI): Business Model Canvas [Jan-2025 Mise à jour]

Dans le monde dynamique de la banque moderne, les clients Bancorp, Inc. (CUBI) émergent comme une puissance financière de pointe, naviguant stratégiquement dans le paysage complexe des services bancaires numériques et des services financiers innovants. En tirant parti d'une toile de modèle commercial sophistiqué qui mélange l'expertise bancaire traditionnelle à l'innovation technologique, CUBI s'est positionné comme une institution avant-gardiste s'adressant aux petites entreprises, aux entreprises commerciales et aux clients individuels. Leur approche unique combine des solutions bancaires personnalisées, des plateformes numériques avancées et un engagement profond envers les produits financiers flexibles, rapides et compétitifs qui les distinguent sur un marché de plus en plus compétitif.

Clients Bancorp, Inc. (CUBI) - Modèle commercial: partenariats clés

Réseaux bancaires régionaux et nationaux

Les clients Bancorp maintiennent des partenariats avec:

• La Clearing House Association (TCH)
• Bankers communautaires indépendants d'Amérique (ICBA)

Partenaire de réseau	Focus de partenariat	Année établie
La Clearing House Association	Collaboration des systèmes de paiement	2018
ICBA	Plaidoyer en matière de banque communautaire	2015

Fournisseurs de services technologiques

Les partenariats technologiques clés comprennent:

• Fiserv (Core Banking Technology)
• Jack Henry & Associés
• Services cloud Microsoft Azure

Fournisseur de technologie	Services	Valeur du contrat
Finerv	Plateforme bancaire de base	3,2 millions de dollars par an
Microsoft Azure	Infrastructure cloud	1,7 million de dollars par an

Réseaux de prêts aux petites entreprises et commerciaux

Réseaux de partenariat de prêt:

• Administration des petites entreprises (SBA)
• Programmes de prêt du Département américain de l'Agriculture (USDA)

Réseau de prêt	Volume total de prêt 2023	Durée du partenariat
Programme de prêt SBA	187 millions de dollars	Depuis 2010
Développement rural de l'USDA	42 millions de dollars	Depuis 2015

Plates-formes de collaboration fintech

Partenariats fintech:

• Traitement des paiements à rayures
• Connectivité de données financières à plaid

Conformité réglementaire et consultants en service financier

Réseaux de partenariat de conformité:

• Wolters Kluwer Financial Services
• Technologie réglementaire de la conformité

Partenaire de conformité	Type de service	Investissement annuel
Wolters Kluwer	Représentation réglementaire	1,1 million de dollars
Conformité	Gestion des risques	$750,000

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: Activités clés

Prêts commerciaux et industriels

Au quatrième trimestre 2023, les clients Bancorp ont déclaré un portefeuille de prêts total de 14,8 milliards de dollars, les prêts commerciaux et industriels représentant une partie importante.

Catégorie de prêt	Solde total	Pourcentage de portefeuille
Commercial & Prêts industriels	8,2 milliards de dollars	55.4%
Immobilier commercial	4,6 milliards de dollars	31.1%
Autres prêts	2,0 milliards de dollars	13.5%

Services bancaires aux petites entreprises

Clients Bancorp fournit des services bancaires spécialisés pour les petites entreprises.

• Originations totales de prêts aux petites entreprises en 2023: 1,3 milliard de dollars
• Taille moyenne des prêts aux petites entreprises: 275 000 $
• Nombre de clients bancaires en petites entreprises actives: 22 500

Développement de la plate-forme bancaire numérique

La banque a investi considérablement dans les infrastructures bancaires numériques.

Métrique bancaire numérique	Performance de 2023
Utilisateurs de la banque mobile	185,000
Volume de transaction numérique	3,2 millions par mois
Investissement annuel de plate-forme numérique	12,5 millions de dollars

Gestion des risques et évaluation du crédit

Les clients Bancorp maintient des pratiques de gestion des risques robustes.

• Ratio de prêts non performants: 0,87%
• Réserve de perte de prêt: 156 millions de dollars
• Équipe de gestion des risques de crédit Taille de l'équipe: 42 professionnels

Gestion des produits de dépôt et d'investissement

La banque propose divers produits de dépôt et d'investissement.

Catégorie de produits	Solde total	Taux de croissance
Dépôts totaux	19,3 milliards de dollars	6.2%
Produits d'investissement	2,7 milliards de dollars	8.5%

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: Ressources clés

Forte infrastructure bancaire numérique

Au quatrième trimestre 2023, les clients Bancorp maintiennent une plate-forme bancaire numérique avec les spécifications suivantes:

Métrique de la plate-forme numérique	Valeur quantitative
Utilisateurs de la banque numérique	387,000
Téléchargements d'applications bancaires mobiles	276,500
Volume de transaction en ligne	2,4 milliards de dollars par mois

Équipe de gestion financière expérimentée

Composition de l'équipe de gestion:

• Pureur exécutif moyen: 14,7 ans dans les services bancaires
• Taille de l'équipe de leadership: 8 cadres supérieurs
• Expérience bancaire combinée: 112 ans

Portfolio de prêt diversifié

Catégorie de prêt	Valeur totale du portefeuille	Pourcentage de portefeuille
Prêts commerciaux	6,2 milliards de dollars	42%
Prêts à la consommation	3,8 milliards de dollars	26%
Prêts hypothécaires	4,1 milliards de dollars	28%
Prêts aux petites entreprises	1,5 milliard de dollars	10%

Technologies avancées d'évaluation des risques de crédit

Détails de l'investissement technologique:

• Investissement technologique annuel: 22,6 millions de dollars
• Précision d'évaluation des risques dirigée par l'IA: 94,3%
• Modèles d'apprentissage automatique déployés: 17

Systèmes de conformité et de réglementation robustes

Métrique de conformité	Mesure quantitative
Personnel de conformité	76 professionnels dévoués
Budget de conformité annuel	18,3 millions de dollars
Taux de réussite de l'audit réglementaire	99.7%

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises

Au quatrième trimestre 2023, les clients Bancorp ont offert des solutions bancaires spécialisées avec 19,4 milliards de dollars d'actifs totaux et 15,3 milliards de dollars de prêts totaux.

Produit bancaire d'entreprise	Montant moyen du prêt	Fourchette de taux d'intérêt
Prêts immobiliers commerciaux	3,2 millions de dollars	6.25% - 8.75%
Fonds de roulement des petites entreprises	$250,000	5.50% - 7.25%
Financement de l'équipement	$500,000	5.75% - 8.00%

Produits financiers flexibles et innovants

• Plateforme bancaire numérique avec une disponibilité de 99,8%
• Fonctionnalité de dépôt de chèques mobiles
• Surveillance des transactions en temps réel
• Services de gestion du trésor personnalisés

Traitement et approbation des prêts rapides

Temps d'approbation du prêt moyen: 3-5 jours ouvrables pour les prêts aux petites entreprises.

Type de prêt	Temps de traitement moyen	Taux d'approbation
Secteur de crédit commercial	2-3 jours ouvrables	68%
Prêts à terme commercial	4-7 jours ouvrables	55%

Service client personnalisé

Évaluation de satisfaction du client: 4.6 / 5 sur la base des enquêtes sur les clients 2023.

• Gestionnaires de relations dédiées
• Support client 24/7
• Services bancaires multilingues

Taux d'intérêt compétitifs

Type de compte	Taux d'intérêt	Équilibre minimum
Vérification des affaires	0.25%	$5,000
Économies commerciales à haut rendement	3.75%	$10,000
Compte de marché monétaire	2.90%	$25,000

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: relations avec les clients

Les gestionnaires des banques de relations dédiées

Depuis le quatrième trimestre 2023, les clients Bancorp maintiennent 427 professionnels dédiés aux banques de relations dans ses segments bancaires commerciaux et commerciaux.

Segment de clientèle	Gestionnaires de relations	Taille moyenne du portefeuille
Banque commerciale	287	42,6 millions de dollars par manager
Banque des petites entreprises	98	18,3 millions de dollars par manager
Banque personnelle	42	7,5 millions de dollars par manager

Plateformes bancaires en ligne et mobiles

Les mesures bancaires numériques pour 2023 révèlent:

• Utilisateurs de la banque mobile: 214 000
• Transactions bancaires en ligne: 3,7 millions par mois
• Évaluation de satisfaction de la plate-forme numérique: 4.6 / 5

Conseil financier personnalisé

Clients Bancorp offre des services de conseil spécialisés avec la ventilation suivante:

Type de conseil	Nombre de spécialistes	Interactions moyennes du client
Gestion de la richesse	62	47 clients par spécialiste
Planification financière des entreprises	38	29 clients par spécialiste

Canaux de support client numérique

Infrastructure de support client en 2023:

• Assistance de chat en ligne 24/7
• Temps de réponse moyen: 2,3 minutes
• Représentants du support client: 156
• Taux de résolution du support numérique: 92,4%

Approche bancaire axée sur la communauté

Métriques d'engagement communautaire pour 2023:

Initiative communautaire	Montant d'investissement	Portée d'impact
Programmes locaux de soutien aux entreprises	3,2 millions de dollars	487 petites entreprises soutenues
Programmes de littératie financière	1,1 million de dollars	6 200 personnes formées

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: canaux

Site Web de banque numérique

Au quatrième trimestre 2023, le site Web de banque numérique de Bancorp a traité 247 362 sessions utilisateur mensuelles uniques avec un taux de disponibilité du site de 92,7%.

Métrique du canal numérique	Performance de 2023
Utilisateurs mensuels du site Web	247,362
Disponibilité du site Web	92.7%
Volume de transaction en ligne	1 842 156 transactions

Application bancaire mobile

L'application bancaire mobile a enregistré 183 245 utilisateurs mensuels actifs avec une cote de 4,6 / 5.0 App Store en 2023.

• Téléchargements totaux d'applications mobiles: 412 387
• Utilisateurs actifs mensuels: 183 245
• Note de l'App Store: 4.6 / 5.0

Réseau de succursale physique

Les clients Bancorp ont exploité 84 emplacements de succursales physiques à travers la Pennsylvanie et New York au 31 décembre 2023.

Emplacement de la succursale	Nombre de branches
Pennsylvanie	67
New York	17
Total des succursales	84

Systèmes de demande de prêt en ligne

La plate-forme de demande de prêt en ligne a traité 42 156 demandes de prêt en 2023, avec un taux d'approbation de 73,4%.

• Demandes de prêt total: 42 156
• Taux d'approbation de la demande de prêt: 73,4%
• Temps de traitement moyen: 2,7 jours

Centres d'appels de service client

Les centres d'appels du service client ont géré 612 387 interactions client en 2023, avec un temps de résolution moyen de 8,2 minutes.

Métrique du centre d'appel	Performance de 2023
Interactions totales du client	612,387
Temps de résolution moyen	8,2 minutes
Taux de satisfaction client	88.6%

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, les clients Bancorp desservent environ 16 500 clients commerciaux de petite à moyenne taille à travers son empreinte opérationnelle.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Fabrication de PME	3,750	1,2 million de dollars
Services professionnels	4,200	$850,000
Services de vente au détail	5,250	$650,000

Clients commerciaux

Les clients des entreprises commerciales représentent une partie importante du portefeuille des clients de Bancorp, avec un portefeuille de prêts commerciaux total d'une valeur de 4,3 milliards de dollars en 2023.

• Clients commerciaux totaux: 2 300
• Taille moyenne des prêts commerciaux: 1,87 million de dollars
• Secteurs industriels desservis: technologie, soins de santé, immobilier, construction

Clients bancaires de détail individuels

Les clients Bancorp desservent 287 000 clients bancaires de détail individuels sur ses plateformes bancaires numériques et physiques.

Type de client	Nombre de clients	Solde moyen du compte
Vérification personnelle	162,000	$12,500
Comptes d'épargne	95,000	$25,300
Comptes d'investissement	30,000	$87,600

Communautés commerciales locales et régionales

Les clients Bancorp maintiennent une forte présence dans les réseaux commerciaux locaux et régionaux, avec un engagement actif dans 12 zones métropolitaines.

• Connexions totales du réseau commercial régional: 8 700
• Adhésions à la Chambre de commerce: 43
• Sponsors de l'événement commercial local: 76 en 2023

Fournisseurs de services professionnels

Les prestataires de services professionnels constituent un segment de clientèle spécialisé pour les clients Bancorp, avec des solutions financières ciblées.

Catégorie professionnelle	Nombre de clients	Services bancaires spécialisés
Cabinets juridiques	1,250	Comptes de confiance, fonds de roulement
Pratiques médicales	1,800	Financement de l'équipement, prêts pratiques
Cabinets de conseil	950	Lignes de crédit commerciales, banque internationale

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

Coût des infrastructures technologiques annuelles pour les clients Bancorp, Inc. en 2023: 18,7 millions de dollars

Catégorie de technologie	Montant des dépenses
Systèmes bancaires de base	6,2 millions de dollars
Infrastructure de cybersécurité	4,5 millions de dollars
Plateformes bancaires numériques	3,8 millions de dollars
Systèmes de réseau et de communication	4,2 millions de dollars

Frais de conformité réglementaire

Coût total de conformité réglementaire pour 2023: 12,3 millions de dollars

• Personnel du Département juridique et de conformité: 5,6 millions de dollars
• Systèmes de rapports réglementaires: 2,9 millions de dollars
• Frais d'audit externe et de conseil: 3,8 millions de dollars

Compensation et formation des employés

Total des dépenses liées aux employés en 2023: 89,4 millions de dollars

Catégorie de dépenses	Montant
Salaires de base	62,7 millions de dollars
Bonus de performance	11,5 millions de dollars
Formation et développement	3,2 millions de dollars
Avantages et soins de santé	12 millions de dollars

Coûts opérationnels du réseau de succursale

Dépenses annuelles du réseau de succursales pour 2023: 22,6 millions de dollars

• Loyer et occupation: 9,4 millions de dollars
• Services publics et maintenance: 4,2 millions de dollars
• Salaires du personnel de la succursale: 8,1 millions de dollars
• Équipement et technologie: 900 000 $

Frais de marketing et d'acquisition des clients

Total des frais de marketing et d'acquisition des clients en 2023: 7,5 millions de dollars

Canal de marketing	Montant des dépenses
Marketing numérique	3,2 millions de dollars
Publicité traditionnelle	1,8 million de dollars
Programmes de référence client	1,5 million de dollars
Commandites d'événements	1 million de dollars

Clients Bancorp, Inc. (CUBI) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux

Pour l'exercice 2023, les clients Bancorp ont déclaré un revenu net d'intérêts de 557,4 millions de dollars. Le revenu des intérêts des prêts commerciaux représentait une partie importante de ce total.

Catégorie de prêt	Solde total des prêts	Taux d'intérêt moyen
Immobilier commercial	9,3 milliards de dollars	6.75%
Commercial & Prêts industriels	4,2 milliards de dollars	7.25%

Frais de service bancaire

Les frais de service bancaire pour 2023 ont totalisé 86,3 millions de dollars, dérivé de divers services de compte.

• Frais de maintenance du compte
• Frais de transfert de fil
• Frais de découvert
• Frais de transaction ATM

Commissions de produits d'investissement

Les commissions de produits d'investissement ont généré 42,7 millions de dollars de revenus pour 2023.

Produit d'investissement	Revenus de commission
Fonds communs de placement	18,5 millions de dollars
Services de gestion de la patrimoine	24,2 millions de dollars

Frais de transaction bancaire numérique

Les frais de transaction bancaire numérique ont atteint 33,6 millions de dollars en 2023.

• Frais de transaction bancaire mobile
• Traitement des paiements en ligne
• Transactions de portefeuille numérique

Revenus des services bancaires aux petites entreprises

Les services bancaires aux petites entreprises ont généré 67,9 millions de dollars de revenus pour 2023.

Catégorie de service	Revenu
Comptes de chèques d'entreprise	22,4 millions de dollars
Services marchands	45,5 millions de dollars

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.