Mission Statement, Vision, & Core Values of Customers Bancorp, Inc. (CUBI)

When you look at a bank like Customers Bancorp, Inc. (CUBI), you're not just looking at a balance sheet with $24.26 billion in total assets; you're looking at the foundational principles that drove their Q3 2025 net income of $73.7 million. The difference between a good bank and a great investment often comes down to its Mission Statement, Vision, and Core Values-the playbook for how they achieve a 3.46% Net Interest Margin (NIM) and a core Earnings Per Share (EPS) of $2.20. Do you defintely know how their High Tech/High Touch strategy, which aims for a $6 core EPS by the end of 2025, translates into real-world returns and sustained growth?

Customers Bancorp, Inc. (CUBI) Overview

You need a clear picture of what you're investing in, not just the stock ticker. Customers Bancorp, Inc. (CUBI) is the bank holding company for Customers Bank, a financial institution that has successfully blended traditional commercial banking with a forward-thinking digital strategy. Founded in 1997 and headquartered in West Reading, Pennsylvania, the company has grown to manage over $22 billion in assets, making it one of the largest bank holding companies in the U.S.

The core business is straightforward: providing a full suite of financial products and services to individual consumers and, crucially, to small and middle-market businesses. They don't just do basic checking accounts and loans; they have a strong focus on specialized lending and digital innovation. Their current sales, measured by Trailing Twelve Months (TTM) revenue as of November 2025, stand at approximately $0.65 billion USD.

Their product mix is what makes them interesting. It's defintely more than just a regional bank. They offer:

• Commercial and Industrial (C&I) and Commercial Real Estate loans.
• Specialty Lending verticals, including Fund Finance and Technology and Venture.
• Digital Banking services, like Banking-as-a-Service (BaaS) for fintech partners.
• TassatPay, a proprietary instant blockchain-based digital payments platform.

Q3 2025 Financial Performance: A Deep Dive into Growth

The latest financial report, the Q3 2025 earnings released in October 2025, shows a company executing its strategy exceptionally well. The headline number is the net income available to common shareholders, which hit $73.7 million, or $2.20 per diluted share. Here's the quick math: that EPS number significantly beat analyst estimates of $1.90, showing real operational strength.

The growth engine is clearly their Net Interest Income (NII), which is essentially the profit from their core lending and deposit activities. NII for Q3 2025 reached $201.9 million, marking a strong 14% sequential increase from the previous quarter. This was driven by a meaningful expansion in their Net Interest Margin (NIM) to 3.46%. The real story here is the deposit growth, a crucial metric for any bank.

Total deposits grew by a massive $1.4 billion in the third quarter alone, bringing the total to $20.4 billion. This growth was led by their commercial banking teams and the cubiX platform, which generated a $900 million increase in noninterest-bearing deposits. That's a low-cost, high-quality funding source, and it's a huge competitive advantage. Plus, loans and leases held for investment also grew to $16.3 billion, demonstrating strong commercial demand.

Customers Bancorp's Position as an Industry Leader

Honestly, you don't achieve those kinds of Q3 numbers without being a top performer. Customers Bancorp isn't just a solid regional bank; it has established itself as an industry leader, particularly among its peers. The company has been recognized as the #1 performing bank stock in the United States over a 5-year period for institutions with over $10 billion in assets.

This isn't a one-off award either. In 2024, the bank was ranked No. 1 on American Banker's list of top-performing banks with assets between $10 billion and $50 billion. The market is recognizing their disciplined, technology-focused approach. Their proprietary digital platform, cubiX, is a key differentiator, attracting high-quality institutional deposits and driving that impressive balance sheet growth. This combination of top-tier financial results and strategic investment in technology is why they are not just surviving, but thriving. They have a clear path to continued success, so you need to look closer at what drives their mission and values next.

Customers Bancorp, Inc. (CUBI) Mission Statement

The Mission Statement of Customers Bancorp, Inc. (CUBI) is not just a corporate slogan; it's a clear operating mandate that drives every strategic decision. It is the foundation for their success as a top-performing bank, particularly in a volatile market. The mission is: Customers Bank provides banking services that create value for our customers and the communities we serve. This simple, two-part statement is the lens through which we, as analysts, should view their financial performance and growth strategy.

A mission's significance is in its execution, and CUBI's recent financial results defintely show this alignment. For the third quarter of 2025, the company reported GAAP earnings of $73.7 million, or $2.20 per diluted share, a direct outcome of executing this value-creation strategy. This strong performance is critical because it underpins the bank's ability to reinvest in the technology and talent needed to serve both its clients and its geographic footprint effectively.

Core Component 1: Creating Value for Our Customers

Creating value for customers means going beyond basic transactions; it means delivering a superior, tailored experience. Customers Bancorp achieves this through a high-touch, technology-forward approach, which is a significant differentiator in the crowded banking space. Their commitment is to make customers say 'wow,' which is a high bar for a financial institution.

The proof is in their operational model. They use a proprietary Single Point of Contact (SPOC) approach, where commercial and consumer clients have a dedicated specialist who coordinates all their banking needs. This eliminates the frustrating hand-offs that plague larger banks. Plus, the bank's Net Promoter Score (NPS), a key measure of customer loyalty, is a remarkable 73, dramatically outpacing the industry average of 41. That's a massive competitive edge.

• Get a dedicated specialist, not a call center queue.

This focus on service is also deeply integrated with technology. For instance, their cubiX platform, a proprietary blockchain-based, real-time business-to-business (B2B) payments solution, provides mission-critical speed and accuracy for commercial clients. This blend of sophisticated product offerings and exceptional service is why CUBI continues to attract new teams and grow its specialized lending verticals.

Core Component 2: Creating Value for the Communities We Serve

For a bank, creating value for communities is fundamentally about maintaining financial stability, supporting local economic growth through lending, and being a reliable partner. Customers Bancorp's robust financial health ensures they can continue to inject capital into the economy through commercial and industrial (C&I) lending, commercial real estate, and multifamily lending.

Here's the quick math on their stability: at the end of the third quarter of 2025, their allowance for credit losses on loans and leases was a robust 534% of total non-performing loans. This strong reserve level shows a deep commitment to managing risk, which protects depositors and ensures the bank remains a stable source of credit for the community, even during economic downturns. Their asset quality is strong, with the non-performing asset (NPA) ratio at just 0.25% of total assets in Q3 2025.

This commitment to stability and performance has earned them national recognition, including being named No. 10 on the American Banker 2025 list of top-performing banks with assets between $10 billion and $50 billion. With over $22 billion in assets, their role as one of the 80 largest bank holding companies in the U.S. means their stability directly benefits the broader financial ecosystem. To understand the mechanics behind this stability, you should read Breaking Down Customers Bancorp, Inc. (CUBI) Financial Health: Key Insights for Investors.

Customers Bancorp, Inc. (CUBI) Vision Statement

You're looking for the bedrock of Customers Bancorp, Inc.'s (CUBI) strategy-the non-negotiable principles that drive their financial performance. The core takeaway is this: CUBI's vision is not just about asset growth; it's a commitment to creating a distinct, high-value experience for four key stakeholders: clients, team members, shareholders, and communities. This focus is what allows a regional bank to punch above its weight in niche markets like Banking-as-a-Service (BaaS).

Their mission is clear: to create a strong, sound, and profitable financial services company committed to long-term growth in shareholder value. Here's the quick math on that execution: the bank reported a Q3 2025 core Return on Common Equity (ROE) of 15.52%, demonstrating top-tier profitability in the sector.

Creating Distinct Client Experiences (High-Touch/High-Tech Model)

The first pillar of CUBI's vision is delivering a distinct client experience, which they execute through a high-touch, high-tech model. This isn't just a marketing slogan; it's a core strategic factor called 'Client First Single Point of Contact banking.' It means pairing experienced bankers with superior technology to help clients succeed beyond their imagination. You get one person who knows your business, supported by a platform like cubiX, their proprietary blockchain-based, real-time B2B payments platform.

This approach drives tangible growth, especially in specialized lending verticals. The company's total assets reached over $24.26 billion as of September 2025, a clear sign the model is resonating. They are committed to being where the opportunity is, which is why they announced an expansion into high-growth markets like Irvine, Reno, and Las Vegas in November 2025. It's a simple formula: great service plus great tech equals deposit-led growth.

• Get a single point of contact for all banking needs.
• Leverage superior technology for faster service.
• Focus on strong commercial loan growth.

Creating Distinct Team Member Experiences (Talent and Culture)

The second component recognizes that an exceptional client experience is impossible without an exceptional team. CUBI's vision prioritizes the 'attraction, retention, and development of talent.' They believe in creating an atmosphere where team members are happy to come to work because it provides opportunity, energy, and a place to learn and grow.

This is a critical success factor that directly impacts operational efficiency. Management projects their efficiency ratio-which measures noninterest expense relative to revenue-will be below 50% for the full year 2025, down from 56% in 2024. That improvement defintely comes from having the right people and the right systems in place. They are constantly recruiting experienced, talented management, which is essential for executing their calculated growth strategy.

Creating Distinct Shareholder Value (Financial Performance)

For investors, the most direct measure of a distinct experience is the financial return. CUBI's mission explicitly commits to long-term growth in shareholder value, which is why they focus on maintaining the highest quality loans and investments and managing risk effectively. Their Q3 2025 net income available to common shareholders was $73.7 million, or $2.20 per diluted share.

The company aims for positive operating leverage, striving to grow revenues at twice the rate of expenses. For 2025, they increased their full-year net interest income (NII) growth target to between 13% and 15%, up from an earlier projection of 7% to 10%. This aggressive target, coupled with a tangible book value per share of $59.72 as of September 30, 2025, shows a clear path to delivering on the shareholder value promise. For a deeper dive into these metrics, you should check out Breaking Down Customers Bancorp, Inc. (CUBI) Financial Health: Key Insights for Investors.

Creating Distinct Community Impact (ESG and Support)

The final pillar of the vision extends the bank's impact beyond its direct financial stakeholders to the communities it serves. This is operationalized through a commitment to environmental, social, and governance (ESG) factors. This includes a focus on diversity and inclusion, appropriate corporate governance, and strong support for economic and community development.

The bank uses its capital to expand access to economic opportunity. For example, they've supported housing initiatives, providing loans through programs like the Neighborhood Housing Services (NHS). They also maintain strong capital levels, with the Common Equity Tier 1 (CET 1) ratio improving to 13.0% at the end of Q3 2025. This strong capital position is not just a regulatory requirement; it's a commitment to stability, ensuring the bank can support its clients and communities even during economic uncertainty.

Customers Bancorp, Inc. (CUBI) Core Values

You're looking for the bedrock of Customers Bancorp, Inc.'s strategy-the mission, vision, and core values that drive their financial performance. The direct takeaway is this: Customers Bancorp operates on a foundation of High-Performance, Entrepreneurial Talent, Technology-Driven Innovation, and Community Commitment, which is why they are consistently a top-performing bank in their category.

As a seasoned analyst, I see these values not as corporate platitudes but as clear operational priorities mapped directly to their strong 2025 results. They've been named a Top 10 Performing Bank by American Banker for five consecutive years, which tells you the model is working.

High-Performance and Shareholder Value

This value is about delivering top-tier financial returns and disciplined execution. It's the commitment to maximizing shareholder value through efficient growth and capital management. Customers Bancorp has a stated 'Vision 2025' goal to achieve $6 in core earnings per share (EPS) by the end of 2025, a clear, measurable target that anchors their strategic decisions.

The proof is in the numbers. For the third quarter of 2025, the company reported a net income available to common shareholders of $73.7 million, or $2.20 per diluted share. Their tangible book value per share grew to $59.72 at September 30, 2025, demonstrating real, measurable franchise value creation. This isn't just growth; it's profitable, capital-efficient growth.

• Q3 2025 Net Interest Margin (NIM) expanded to 3.46%.
• CET 1 ratio at Q3 2025 was a robust 13.0%.
• Common equity increased by $263 million in Q3 2025.

Entrepreneurial Talent and Culture

Customers Bancorp's model relies on attracting and empowering top-tier bankers who are tired of bureaucratic legacy institutions. They view team recruitment not as a tactic but as a core strategy for expanding their franchise with purpose. This entrepreneurial culture means giving their teams the autonomy to serve clients effectively through a Single Point of Contact approach.

This focus on talent directly impacts their deposit franchise. The deposit-focused teams recruited since March 2023 have managed to increase commercial deposit accounts by approximately 60% since year-end 2022, adding granular, sticky relationships. That's a huge win for stability. The company's leadership team even takes a majority of their compensation in company stock, ensuring their interests are defintely aligned with long-term shareholders.

Innovation and Technology

The bank's strategy is famously 'High Tech/High Touch,' meaning they use industry-leading technology to provide better access to money while maintaining a personalized, concierge-style service. This isn't just about a good website; it's about building proprietary platforms to solve client problems.

A prime example is their proprietary, in-house developed payments platform, cubiX. This platform is a clear investment in future-proofing the business and serving specialized lending clients with cutting-edge digital solutions. The company's strategic focus on specialized lending verticals, which grew by $1.6 billion, or 29.5%, year-over-year at Q3 2025, is only possible with this technological backbone. Technology enables the high-touch service. You can learn more about this approach and the company's history here: Customers Bancorp, Inc. (CUBI): History, Ownership, Mission, How It Works & Makes Money.

Community and Social Responsibility

Beyond the balance sheet, Customers Bancorp is committed to strengthening the communities they serve, especially those with low- and moderate-income customers. Their community efforts focus on economic development, affordable housing, and educational improvement, which are all critical for a healthy banking environment. They understand that a strong community is a strong client base.

Specific actions demonstrate this commitment:

• Small Business Lending: The SBA/Government Guaranteed Lending team is a national leader, funding $97.7 million in loans to qualifying small businesses in 2024.
• Educational Support: The long-running 'books for bikes' program fights 'the summer slide' by encouraging reading among youth, partnering with organizations like United Way Berks.
• Affordable Housing: They provide crucial capital and credit to diverse local partners, including community development financial institutions (CDFI), to support safe, decent housing for seniors, families, and veterans.

Here's the quick math: their investment in small businesses and community development provides a long-term, stable loan pipeline and a positive brand reputation that helps with client acquisition. It's a virtuous cycle.