Customers Bancorp, Inc. (CUBI): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el mundo dinámico de la banca moderna, los clientes Bancorp, Inc. (Cubi) surgen como una potencia financiera de vanguardia, navegando estratégicamente el complejo panorama de la banca digital y los servicios financieros innovadores. Al aprovechar un sofisticado lienzo de modelo de negocio que combina la experiencia bancaria tradicional con innovación tecnológica, Cubi se ha posicionado como una institución con visión de futuro que atiende a pequeñas empresas, empresas comerciales y clientes individuales. Su enfoque único combina soluciones bancarias personalizadas, plataformas digitales avanzadas y un profundo compromiso con productos financieros flexibles, rápidos y competitivos que las distinguen en un mercado cada vez más competitivo.

CLIENDES BANCORP, Inc. (Cubi) - Modelo de negocio: asociaciones clave

Redes bancarias regionales y nacionales

Los clientes Bancorp mantienen asociaciones con:

• La Asociación de la Casa de Clearing (TCH)
• Independent Community Bankers of America (ICBA)

Socio de red	Enfoque de asociación	Año establecido
La asociación de la casa de compensación	Colaboración de sistemas de pago	2018
ICBA	Defensa de la banca comunitaria	2015

Proveedores de servicios de tecnología

Las asociaciones de tecnología clave incluyen:

• Fiserv (Tecnología bancaria central)
• Jack Henry & Asociado
• Servicios en la nube de Microsoft Azure

Proveedor de tecnología	Servicios	Valor de contrato
Fiserv	Plataforma bancaria central	$ 3.2 millones anualmente
Microsoft Azure	Infraestructura en la nube	$ 1.7 millones anuales

Pequeñas redes de préstamos comerciales y comerciales

Redes de asociación de préstamos:

• Administración de Pequeñas Empresas (SBA)
• Programas de préstamos del Departamento de Agricultura de los Estados Unidos (USDA)

Red de préstamos	Volumen total de préstamos 2023	Duración de la asociación
Programa de préstamos de la SBA	$ 187 millones	Desde 2010
Desarrollo rural del USDA	$ 42 millones	Desde 2015

Plataformas de colaboración FinTech

Asociaciones fintech:

• Procesamiento de pagos de rayas
• Conectividad de datos financieros a cuadros

Consultores de cumplimiento regulatorio y servicios financieros

Redes de asociación de cumplimiento:

• Wolters Kluwer Financial Services
• El cumplimiento de la tecnología regulatoria

Socio de cumplimiento	Tipo de servicio	Inversión anual
Wolters Kluwer	Informes regulatorios	$ 1.1 millones
Cumplimiento	Gestión de riesgos	$750,000

CLIENTS BANCORP, Inc. (Cubi) - Modelo de negocio: actividades clave

Préstamos comerciales e industriales

A partir del cuarto trimestre de 2023, los clientes Bancorp informaron una cartera de préstamos totales de $ 14.8 mil millones, con préstamos comerciales e industriales que representan una porción significativa.

Categoría de préstamo	Saldo total	Porcentaje de cartera
Comercial & Préstamos industriales	$ 8.2 mil millones	55.4%
Inmobiliario comercial	$ 4.6 mil millones	31.1%
Otros préstamos	$ 2.0 mil millones	13.5%

Servicios bancarios de pequeñas empresas

CLIENTS BANCORP ofrece servicios bancarios especializados para pequeñas empresas.

• Originaciones totales de préstamos para pequeñas empresas en 2023: $ 1.3 mil millones
• Tamaño promedio del préstamo para pequeñas empresas: $ 275,000
• Número de clientes bancarios de pequeñas empresas activas: 22,500

Desarrollo de la plataforma de banca digital

El banco ha invertido significativamente en la infraestructura bancaria digital.

Métrica de banca digital	2023 rendimiento
Usuarios de banca móvil	185,000
Volumen de transacción digital	3.2 millones por mes
Inversión anual de plataforma digital	$ 12.5 millones

Gestión de riesgos y evaluación de crédito

Los clientes Bancorp mantienen prácticas sólidas de gestión de riesgos.

• Relación de préstamos sin rendimiento: 0.87%
• Reserva de pérdida de préstamos: $ 156 millones
• Tamaño del equipo de gestión de riesgos de crédito: 42 profesionales

Gestión de productos de depósito e inversión

El banco ofrece diversos productos de depósito e inversión.

Categoría de productos	Saldo total	Índice de crecimiento
Depósitos totales	$ 19.3 mil millones	6.2%
Productos de inversión	$ 2.7 mil millones	8.5%

CLIENTES BANCORP, Inc. (Cubi) - Modelo de negocio: recursos clave

Infraestructura bancaria digital fuerte

A partir del cuarto trimestre de 2023, los clientes Bancorp mantienen una plataforma de banca digital con las siguientes especificaciones:

Métrica de plataforma digital	Valor cuantitativo
Usuarios bancarios digitales	387,000
Descargas de aplicaciones de banca móvil	276,500
Volumen de transacciones en línea	$ 2.4 mil millones mensuales

Equipo experimentado de gestión financiera

Composición del equipo de gestión:

• Promedio de la tenencia ejecutiva: 14.7 años en la banca
• Tamaño del equipo de liderazgo: 8 ejecutivos altos
• Experiencia bancaria combinada: 112 años

Cartera de préstamos diversos

Categoría de préstamo	Valor total de la cartera	Porcentaje de cartera
Préstamo comercial	$ 6.2 mil millones	42%
Préstamo de consumo	$ 3.8 mil millones	26%
Préstamo hipotecario	$ 4.1 mil millones	28%
Préstamos para pequeñas empresas	$ 1.5 mil millones	10%

Tecnologías avanzadas de evaluación de riesgos de crédito

Detalles de la inversión tecnológica:

• Inversión tecnológica anual: $ 22.6 millones
• Precisión de evaluación de riesgos impulsada por IA: 94.3%
• Modelos de aprendizaje automático implementado: 17

Cumplimiento y sistemas regulatorios robustos

Métrico de cumplimiento	Medición cuantitativa
Personal de cumplimiento	76 profesionales dedicados
Presupuesto anual de cumplimiento	$ 18.3 millones
Tasa de éxito de auditoría regulatoria	99.7%

CLIENTS BANCORP, Inc. (Cubi) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas

A partir del cuarto trimestre de 2023, los clientes Bancorp ofrecían soluciones bancarias especializadas con $ 19.4 mil millones en activos totales y $ 15.3 mil millones en préstamos totales.

Producto bancario de negocios	Monto promedio del préstamo	Rango de tasas de interés
Préstamos inmobiliarios comerciales	$ 3.2 millones	6.25% - 8.75%
Capital de trabajo de pequeñas empresas	$250,000	5.50% - 7.25%
Financiación de equipos	$500,000	5.75% - 8.00%

Productos financieros flexibles e innovadores

• Plataforma de banca digital con tiempo de actividad del 99.8%
• Funcionalidad de depósito de cheques móviles
• Monitoreo de transacciones en tiempo real
• Servicios de gestión del tesoro personalizados

Procesamiento y aprobación de préstamos rápidos

Tiempo promedio de aprobación del préstamo: 3-5 días hábiles para préstamos para pequeñas empresas.

Tipo de préstamo	Tiempo de procesamiento promedio	Tasa de aprobación
Línea de crédito comercial	2-3 días hábiles	68%
Préstamos a término comercial	4-7 días hábiles	55%

Servicio al cliente personalizado

Calificación de satisfacción del cliente: 4.6/5 basado en encuestas de clientes 2023.

• Gerentes de relaciones dedicadas
• Atención al cliente 24/7
• Servicios bancarios multilingües

Tasas de interés competitivas

Tipo de cuenta	Tasa de interés	Saldo mínimo
Verificación de negocios	0.25%	$5,000
Ahorros comerciales de alto rendimiento	3.75%	$10,000
Cuenta del mercado monetario	2.90%	$25,000

CLIENDES BANCORP, Inc. (Cubi) - Modelo de negocios: relaciones con los clientes

Gerentes de banca de relaciones dedicadas

A partir del cuarto trimestre de 2023, los clientes Bancorp mantienen 427 profesionales de banca de relaciones dedicadas en sus segmentos de banca comercial y minorista.

Segmento de clientes	Gerentes de relaciones	Tamaño promedio de la cartera
Banca comercial	287	$ 42.6 millones por gerente
Banca de pequeñas empresas	98	$ 18.3 millones por gerente
Banca personal	42	$ 7.5 millones por gerente

Plataformas de banca en línea y móvil

Las métricas de banca digital para 2023 revelan:

• Usuarios de banca móvil: 214,000
• Transacciones bancarias en línea: 3.7 millones mensuales
• Clasificación de satisfacción de la plataforma digital: 4.6/5

Consultoría financiera personalizada

Los clientes Bancorp ofrecen servicios de consultoría especializados con el siguiente desglose:

Tipo de consultoría	Número de especialistas	Interacciones promedio del cliente
Gestión de patrimonio	62	47 clientes por especialista
Planificación financiera comercial	38	29 clientes por especialista

Canales de atención al cliente digital

Infraestructura de atención al cliente en 2023:

• Soporte de chat en línea 24/7
• Tiempo de respuesta promedio: 2.3 minutos
• Representantes de atención al cliente: 156
• Tasa de resolución de soporte digital: 92.4%

Enfoque bancario centrado en la comunidad

Métricas de participación comunitaria para 2023:

Iniciativa comunitaria	Monto de la inversión	Alcance de impacto
Programas locales de apoyo comercial	$ 3.2 millones	487 pequeñas empresas admitidas
Programas de educación financiera	$ 1.1 millones	6.200 personas capacitadas

CLIENTS BANCORP, Inc. (Cubi) - Modelo de negocio: canales

Sitio web de banca digital

A partir del cuarto trimestre de 2023, el sitio web de banca digital de los clientes Bancorp procesó 247,362 sesiones de usuario mensuales únicas con una tasa de disponibilidad del sitio del 92.7%.

Métrico de canal digital	2023 rendimiento
Usuarios mensuales del sitio web	247,362
Disponibilidad del sitio web	92.7%
Volumen de transacciones en línea	1,842,156 transacciones

Aplicación de banca móvil

La aplicación de banca móvil registró 183,245 usuarios mensuales activos con una calificación de App Store 4.6/5.0 en 2023.

• Descargas totales de aplicaciones móviles: 412,387
• Usuarios activos mensuales: 183,245
• Calificación de la tienda de aplicaciones: 4.6/5.0

Red de sucursales físicas

Los clientes Bancorp operaban 84 ubicaciones de sucursales físicas en Pensilvania y Nueva York al 31 de diciembre de 2023.

Ubicación de la rama	Número de ramas
Pensilvania	67
Nueva York	17
Total de ramas	84

Sistemas de solicitud de préstamos en línea

La plataforma de solicitud de préstamos en línea procesó 42,156 solicitudes de préstamos en 2023, con una tasa de aprobación del 73.4%.

• Solicitudes totales de préstamos: 42,156
• Tasa de aprobación de la solicitud de préstamo: 73.4%
• Tiempo de procesamiento promedio: 2.7 días

Centros de llamadas de servicio al cliente

Los centros de llamadas de servicio al cliente manejaron 612,387 interacciones con los clientes en 2023, con un tiempo de resolución promedio de 8.2 minutos.

Métrico del centro de llamadas	2023 rendimiento
Interacciones totales del cliente	612,387
Tiempo de resolución promedio	8.2 minutos
Tasa de satisfacción del cliente	88.6%

CLIENDES BANCORP, Inc. (Cubi) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, los clientes Bancorp sirven aproximadamente 16.500 clientes comerciales pequeños a medianos en su huella operativa.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
PYME de fabricación	3,750	$ 1.2 millones
Servicios profesionales	4,200	$850,000
Servicios minoristas	5,250	$650,000

Clientes empresariales comerciales

Los clientes empresariales comerciales representan una porción significativa de la cartera de clientes de Bancorp, con una cartera de préstamos comerciales totales valorados en $ 4.3 mil millones en 2023.

• Total de clientes comerciales comerciales: 2,300
• Tamaño promedio del préstamo comercial: $ 1.87 millones
• Sectores de la industria atendidos: tecnología, atención médica, bienes raíces, construcción

Clientes de banca minorista individual

Los clientes Bancorp atienden a 287,000 clientes de banca minorista individual en sus plataformas de banca digital y física.

Tipo de cliente	Número de clientes	Saldo de cuenta promedio
Comprobación personal	162,000	$12,500
Cuentas de ahorro	95,000	$25,300
Cuentas de inversión	30,000	$87,600

Comunidades comerciales locales y regionales

Los clientes Bancorp mantienen una fuerte presencia en las redes comerciales locales y regionales, con participación activa en 12 áreas metropolitanas.

• Conexiones de red empresariales regionales totales: 8,700
• Membresías de la Cámara de Comercio: 43
• Patrocinios de eventos comerciales locales: 76 en 2023

Proveedores de servicios profesionales

Los proveedores de servicios profesionales constituyen un segmento especializado de clientes para clientes Bancorp, con soluciones financieras específicas.

Categoría profesional	Número de clientes	Servicios bancarios especializados
Firma legal	1,250	Cuentas de confianza, capital de trabajo
Prácticas médicas	1,800	Financiación de equipos, préstamos prácticos
Empresas consultoras	950	Líneas de crédito comercial, banca internacional

CLIENDES BANCORP, Inc. (Cubi) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

Costos anuales de infraestructura tecnológica para clientes Bancorp, Inc. en 2023: $ 18.7 millones

Categoría de tecnología	Monto del gasto
Sistemas bancarios centrales	$ 6.2 millones
Infraestructura de ciberseguridad	$ 4.5 millones
Plataformas de banca digital	$ 3.8 millones
Sistemas de red y comunicación	$ 4.2 millones

Gastos de cumplimiento regulatorio

Costos de cumplimiento regulatorio total para 2023: $ 12.3 millones

• Personal legal y de cumplimiento del departamento de cumplimiento: $ 5.6 millones
• Sistemas de informes regulatorios: $ 2.9 millones
• Tarifas de auditoría y consultoría externa: $ 3.8 millones

Compensación y capacitación de empleados

Gastos totales relacionados con los empleados en 2023: $ 89.4 millones

Categoría de gastos	Cantidad
Salarios base	$ 62.7 millones
Bonos de rendimiento	$ 11.5 millones
Capacitación y desarrollo	$ 3.2 millones
Beneficios y atención médica	$ 12 millones

Costos operativos de la red de sucursales

Gastos anuales de la red de sucursales para 2023: $ 22.6 millones

• Alquiler y ocupación: $ 9.4 millones
• Utilidades y mantenimiento: $ 4.2 millones
• SUCRAMENTOS SALARIOS DEL PERSONAL: $ 8.1 millones
• Equipo y tecnología: $ 900,000

Gastos de marketing y adquisición de clientes

Costos totales de marketing y adquisición de clientes en 2023: $ 7.5 millones

Canal de marketing	Monto del gasto
Marketing digital	$ 3.2 millones
Publicidad tradicional	$ 1.8 millones
Programas de referencia de clientes	$ 1.5 millones
Patrocinios de eventos	$ 1 millón

CLIENTS BANCORP, Inc. (Cubi) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, los clientes Bancorp informaron ingresos por intereses netos de $ 557.4 millones. Los ingresos por intereses de préstamos comerciales representaron una porción significativa de este total.

Categoría de préstamo	Saldo total del préstamo	Tasa de interés promedio
Inmobiliario comercial	$ 9.3 mil millones	6.75%
Comercial & Préstamos industriales	$ 4.2 mil millones	7.25%

Tarifas de servicio bancario

Las tarifas de servicio bancario para 2023 totalizaron $ 86.3 millones, derivados de varios servicios de cuentas.

• Tarifas de mantenimiento de la cuenta
• Cargas de transferencia de cables
• Tarifas de sobregiro
• Tarifas de transacción de cajeros automáticos

Comisiones de productos de inversión

Las comisiones de productos de inversión generaron $ 42.7 millones en ingresos para 2023.

Producto de inversión	Ingresos por comisión
Fondos mutuos	$ 18.5 millones
Servicios de gestión de patrimonio	$ 24.2 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital alcanzaron los $ 33.6 millones en 2023.

• Tarifas de transacción bancaria móvil
• Procesamiento de pagos en línea
• Transacciones de billetera digital

Ingresos de servicios bancarios de pequeñas empresas

Los servicios bancarios de pequeñas empresas generaron $ 67.9 millones en ingresos para 2023.

Categoría de servicio	Ganancia
Cuentas corrientes de negocios	$ 22.4 millones
Servicios comerciales	$ 45.5 millones

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.