Clientes Bancorp, Inc. (Cubi): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No mundo dinâmico dos bancos modernos, os clientes Bancorp, Inc. (Cubi) surgem como uma potência financeira de ponta, navegando estrategicamente no complexo cenário de serviços bancários digitais e financeiros inovadores. Ao alavancar uma tenna sofisticada modelo de negócios que combina a experiência bancária tradicional com a inovação tecnológica, a Cubi se posicionou como uma instituição de visão de futuro que atende a pequenas empresas, empresas comerciais e clientes individuais. Sua abordagem única combina soluções bancárias personalizadas, plataformas digitais avançadas e um profundo compromisso com produtos financeiros flexíveis, rápidos e competitivos que os diferenciam em um mercado cada vez mais competitivo.

Clientes Bancorp, Inc. (Cubi) - Modelo de negócios: Parcerias -chave

Redes bancárias regionais e nacionais

Clientes Bancorp mantém parcerias com:

• A Associação de Clearing House (TCH)
• Banqueiros comunitários independentes da América (ICBA)

Parceiro de rede	Foco em parceria	Ano estabelecido
A Associação da Clearing House	Colaboração de sistemas de pagamento	2018
ICBA	Advocacia bancária comunitária	2015

Provedores de serviços de tecnologia

As principais parcerias tecnológicas incluem:

• Fiserv (Tecnologia Bancária Core)
• Jack Henry & Associados
• Microsoft Azure Cloud Services

Provedor de tecnologia	Serviços	Valor do contrato
Fiserv	Plataforma bancária principal	US $ 3,2 milhões anualmente
Microsoft Azure	Infraestrutura em nuvem	US $ 1,7 milhão anualmente

Pequenas empresas e redes de empréstimos comerciais

Redes de parceria em empréstimos:

• Administração de pequenas empresas (SBA)
• Programas de empréstimos do Departamento de Agricultura dos EUA (USDA)

Rede de empréstimos	Volume total de empréstimos 2023	Duração da parceria
Programa de empréstimos da SBA	US $ 187 milhões	Desde 2010
Desenvolvimento Rural do USDA	US $ 42 milhões	Desde 2015

Plataformas de colaboração de fintech

Parcerias FinTech:

• Processamento de pagamento de faixas
• Conectividade de dados financeiros xadrez

Consultores de conformidade regulatória e serviços financeiros

Redes de parceria de conformidade:

• Wolters Kluwer Financial Services
• Tecnologia regulatória de conformidade

Parceiro de conformidade	Tipo de serviço	Investimento anual
Wolters Kluwer	Relatórios regulatórios	US $ 1,1 milhão
Conformidade	Gerenciamento de riscos	$750,000

Clientes Bancorp, Inc. (Cubi) - Modelo de Negócios: Atividades -chave

Empréstimos comerciais e industriais

A partir do quarto trimestre de 2023, os clientes Bancorp reportaram a carteira total de empréstimos de US $ 14,8 bilhões, com empréstimos comerciais e industriais representando uma parcela significativa.

Categoria de empréstimo	Balanço total	Porcentagem de portfólio
Comercial & Empréstimos industriais	US $ 8,2 bilhões	55.4%
Imóveis comerciais	US $ 4,6 bilhões	31.1%
Outros empréstimos	US $ 2,0 bilhões	13.5%

Serviços bancários de pequenas empresas

Os clientes Bancorp fornecem serviços bancários especializados para pequenas empresas.

• Operações totais de empréstimos para pequenas empresas em 2023: US $ 1,3 bilhão
• Tamanho médio de empréstimo para pequenas empresas: US $ 275.000
• Número de clientes bancários ativos de pequenas empresas: 22.500

Desenvolvimento da plataforma bancária digital

O banco investiu significativamente na infraestrutura bancária digital.

Métrica bancária digital	2023 desempenho
Usuários bancários móveis	185,000
Volume de transação digital	3,2 milhões por mês
Investimento anual da plataforma digital	US $ 12,5 milhões

Gerenciamento de riscos e avaliação de crédito

Os clientes Bancorp mantêm práticas robustas de gerenciamento de riscos.

• Razão de empréstimos não-desempenho: 0,87%
• Reserva de perda de empréstimo: US $ 156 milhões
• Tamanho da equipe de gerenciamento de risco de crédito: 42 profissionais

Gerenciamento de produtos de depósito e investimento

O banco oferece diversos produtos de depósito e investimento.

Categoria de produto	Balanço total	Taxa de crescimento
Total de depósitos	US $ 19,3 bilhões	6.2%
Produtos de investimento	US $ 2,7 bilhões	8.5%

Clientes Bancorp, Inc. (Cubi) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária digital

A partir do quarto trimestre 2023, os clientes Bancorp mantêm uma plataforma bancária digital com as seguintes especificações:

Métrica da plataforma digital	Valor quantitativo
Usuários bancários digitais	387,000
Downloads de aplicativos bancários móveis	276,500
Volume de transações online	US $ 2,4 bilhões mensais

Equipe de gestão financeira experiente

Composição da equipe de gerenciamento:

• PRODIÇÃO EXECUTIVO Média: 14,7 anos em bancos
• Tamanho da equipe de liderança: 8 executivos seniores
• Experiência bancária combinada: 112 anos

Portfólio de empréstimos diversificados

Categoria de empréstimo	Valor total do portfólio	Porcentagem de portfólio
Empréstimos comerciais	US $ 6,2 bilhões	42%
Empréstimos ao consumidor	US $ 3,8 bilhões	26%
Empréstimos hipotecários	US $ 4,1 bilhões	28%
Empréstimos para pequenas empresas	US $ 1,5 bilhão	10%

Tecnologias avançadas de avaliação de risco de crédito

Detalhes de investimento em tecnologia:

• Investimento de tecnologia anual: US $ 22,6 milhões
• Precisão da avaliação de risco orientada pela IA: 94,3%
• Modelos de aprendizado de máquina implantado: 17

Sistemas robustos de conformidade e regulamentação

Métrica de conformidade	Medição quantitativa
Equipe de conformidade	76 profissionais dedicados
Orçamento anual de conformidade	US $ 18,3 milhões
Taxa de sucesso da auditoria regulatória	99.7%

Clientes Bancorp, Inc. (Cubi) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas

No quarto trimestre 2023, os clientes Bancorp ofereceram soluções bancárias especializadas com US $ 19,4 bilhões em ativos totais e US $ 15,3 bilhões em empréstimos totais.

Produto bancário de negócios	Valor médio do empréstimo	Intervalo de taxa de juros
Empréstimos imobiliários comerciais	US $ 3,2 milhões	6.25% - 8.75%
Capital de giro de pequenas empresas	$250,000	5.50% - 7.25%
Financiamento de equipamentos	$500,000	5.75% - 8.00%

Produtos financeiros flexíveis e inovadores

• Plataforma bancária digital com 99,8% de tempo de atividade
• Funcionalidade de depósito de cheque móvel
• Monitoramento de transações em tempo real
• Serviços personalizados de gerenciamento de tesouraria

Processamento e aprovação de empréstimos rápidos

Tempo médio de aprovação do empréstimo: 3-5 dias úteis para empréstimos para pequenas empresas.

Tipo de empréstimo	Tempo médio de processamento	Taxa de aprovação
Linha de crédito comercial	2-3 dias úteis	68%
Empréstimos a termos comerciais	4-7 dias úteis	55%

Atendimento ao cliente personalizado

Classificação de satisfação do cliente: 4.6/5 com base em 2023 pesquisas de clientes.

• Gerentes de relacionamento dedicados
• Suporte ao cliente 24 horas por dia, 7 dias por semana
• Serviços bancários multilíngues

Taxas de juros competitivas

Tipo de conta	Taxa de juro	Equilíbrio mínimo
Verificação de negócios	0.25%	$5,000
Economia de negócios de alto rendimento	3.75%	$10,000
Conta do mercado monetário	2.90%	$25,000

Clientes Bancorp, Inc. (Cubi) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes bancários de relacionamento dedicado

No quarto trimestre 2023, os clientes Bancorp mantêm 427 profissionais de bancos de relacionamento dedicados em seus segmentos bancários comerciais e de varejo.

Segmento de clientes	Gerentes de relacionamento	Tamanho médio do portfólio
Bancos comerciais	287	US $ 42,6 milhões por gerente
Bancos de pequenas empresas	98	US $ 18,3 milhões por gerente
Bancos pessoais	42	US $ 7,5 milhões por gerente

Plataformas bancárias online e móveis

Métricas bancárias digitais para 2023 revelam:

• Usuários bancários móveis: 214.000
• Transações bancárias online: 3,7 milhões mensais
• Classificação de satisfação da plataforma digital: 4.6/5

Consultoria financeira personalizada

Os clientes Bancorp oferecem serviços de consultoria especializados com o seguinte detalhamento:

Tipo de consultoria	Número de especialistas	Interações médias do cliente
Gestão de patrimônio	62	47 clientes por especialista
Planejamento financeiro de negócios	38	29 clientes por especialista

Canais de suporte ao cliente digital

Infraestrutura de suporte ao cliente em 2023:

• Suporte de bate -papo online 24/7
• Tempo médio de resposta: 2,3 minutos
• Representantes de suporte ao cliente: 156
• Taxa de resolução de suporte digital: 92,4%

Abordagem bancária focada na comunidade

Métricas de engajamento da comunidade para 2023:

Iniciativa comunitária	Valor do investimento	Alcance de impacto
Programas de suporte comercial local	US $ 3,2 milhões	487 pequenas empresas suportadas
Programas de alfabetização financeira	US $ 1,1 milhão	6.200 indivíduos treinados

Clientes Bancorp, Inc. (Cubi) - Modelo de Negócios: Canais

Site Banking Digital

A partir do quarto trimestre 2023, o site do Bancorp Banking do Bancorp processou 247.362 sessões mensais exclusivas de usuários com uma taxa de disponibilidade de 92,7%.

Métrica de canal digital	2023 desempenho
Usuários mensais do site	247,362
Disponibilidade do site	92.7%
Volume de transações online	1.842.156 transações

Aplicativo bancário móvel

O aplicativo Banking Mobile registrou 183.245 usuários mensais ativos com uma classificação de App Store de 4,6/5.0 em 2023.

• Downloads de aplicativos móveis totais: 412.387
• Usuários ativos mensais: 183.245
• App Store Classificação: 4.6/5.0

Rede de ramificação física

Os clientes da Bancorp operavam 84 localizações de filiais físicas na Pensilvânia e Nova York em 31 de dezembro de 2023.

Localização da filial	Número de ramificações
Pensilvânia	67
Nova Iorque	17
Filiais totais	84

Sistemas de aplicativos de empréstimo on -line

A plataforma de aplicativo de empréstimo on -line processou 42.156 pedidos de empréstimo em 2023, com uma taxa de aprovação de 73,4%.

• Pedidos de empréstimo total: 42.156
• Taxa de aprovação do pedido de empréstimo: 73,4%
• Tempo médio de processamento: 2,7 dias

Centros de atendimento ao cliente

Os centros de atendimento ao cliente lidaram com 612.387 interações com o cliente em 2023, com um tempo médio de resolução de 8,2 minutos.

Métrica de call center	2023 desempenho
Interações totais do cliente	612,387
Tempo médio de resolução	8,2 minutos
Taxa de satisfação do cliente	88.6%

Clientes Bancorp, Inc. (Cubi) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, os clientes Bancorp atende a aproximadamente 16.500 clientes comerciais pequenos e médios em sua pegada operacional.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
SMBs de fabricação	3,750	US $ 1,2 milhão
Serviços profissionais	4,200	$850,000
Serviços de varejo	5,250	$650,000

Clientes corporativos comerciais

Os clientes da empresa comercial representam uma parcela significativa do portfólio da Bancorp, com a carteira total de empréstimos comerciais avaliada em US $ 4,3 bilhões em 2023.

• Total Comercial Enterprise Client: 2.300
• Tamanho médio de empréstimo comercial: US $ 1,87 milhão
• Os setores da indústria serviram: tecnologia, saúde, imóveis, construção

Clientes bancários de varejo individuais

Os clientes Bancorp atende a 287.000 clientes de banco de varejo individuais em suas plataformas bancárias digitais e físicas.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	162,000	$12,500
Contas de poupança	95,000	$25,300
Contas de investimento	30,000	$87,600

Comunidades comerciais locais e regionais

Os clientes Bancorp mantêm uma forte presença nas redes de negócios locais e regionais, com envolvimento ativo em 12 áreas metropolitanas.

• Total Regional Business Network Connections: 8.700
• Associações da Câmara de Comércio: 43
• Patrocínio de eventos de negócios local: 76 em 2023

Provedores de serviços profissionais

Os provedores de serviços profissionais constituem um segmento de clientes especializado para os clientes Bancorp, com soluções financeiras direcionadas.

Categoria profissional	Número de clientes	Serviços bancários especializados
Empresas jurídicas	1,250	Contas de confiança, capital de giro
Práticas médicas	1,800	Financiamento de equipamentos, empréstimos para prática
Empresas de consultoria	950	Linhas de crédito comercial, banco internacional

Clientes Bancorp, Inc. (Cubi) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

Custos anuais de infraestrutura de tecnologia para clientes Bancorp, Inc. em 2023: US $ 18,7 milhões

Categoria de tecnologia	Quantidade de despesa
Sistemas bancários principais	US $ 6,2 milhões
Infraestrutura de segurança cibernética	US $ 4,5 milhões
Plataformas bancárias digitais	US $ 3,8 milhões
Sistemas de rede e comunicação	US $ 4,2 milhões

Despesas de conformidade regulatória

Custos totais de conformidade regulatória para 2023: US $ 12,3 milhões

• Pessoal de Departamento de Legal e Conformidade: US $ 5,6 milhões
• Sistemas de relatórios regulatórios: US $ 2,9 milhões
• Taxas externas de auditoria e consultoria: US $ 3,8 milhões

Compensação e treinamento de funcionários

Total de despesas relacionadas aos funcionários em 2023: US $ 89,4 milhões

Categoria de despesa	Quantia
Salários da base	US $ 62,7 milhões
Bônus de desempenho	US $ 11,5 milhões
Treinamento e desenvolvimento	US $ 3,2 milhões
Benefícios e saúde	US $ 12 milhões

Custos operacionais da rede de filiais

Despesas anuais da rede de filiais para 2023: US $ 22,6 milhões

• Aluguel e ocupação: US $ 9,4 milhões
• Utilitários e manutenção: US $ 4,2 milhões
• Salários da equipe da filial: US $ 8,1 milhões
• Equipamento e tecnologia: US $ 900.000

Despesas de marketing e aquisição de clientes

Custos totais de marketing e aquisição de clientes em 2023: US $ 7,5 milhões

Canal de marketing	Quantidade de despesa
Marketing digital	US $ 3,2 milhões
Publicidade tradicional	US $ 1,8 milhão
Programas de referência ao cliente	US $ 1,5 milhão
Patrocínio de eventos	US $ 1 milhão

Clientes Bancorp, Inc. (Cubi) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

Para o ano fiscal de 2023, os clientes da Bancorp reportaram receita de juros líquidos de US $ 557,4 milhões. A receita de juros do empréstimo comercial representou uma parcela significativa desse total.

Categoria de empréstimo	Saldo total de empréstimo	Taxa de juros média
Imóveis comerciais	US $ 9,3 bilhões	6.75%
Comercial & Empréstimos industriais	US $ 4,2 bilhões	7.25%

Taxas de serviço bancário

As taxas de serviço bancário para 2023 totalizaram US $ 86,3 milhões, derivadas de vários serviços de conta.

• Taxas de manutenção da conta
• Taxas de transferência de arame
• Taxas de cheque especial
• Taxas de transação ATM

Comissões de produtos de investimento

As comissões de produtos de investimento geraram US $ 42,7 milhões em receita para 2023.

Produto de investimento	Receita da Comissão
Fundos mútuos	US $ 18,5 milhões
Serviços de gerenciamento de patrimônio	US $ 24,2 milhões

Taxas de transação bancária digital

As taxas de transação bancária digital atingiram US $ 33,6 milhões em 2023.

• Taxas de transação bancária móvel
• Processamento de pagamento on -line
• Transações da carteira digital

Receita de serviços bancários para pequenas empresas

Os serviços bancários de pequenas empresas geraram US $ 67,9 milhões em receita para 2023.

Categoria de serviço	Receita
Contas de corrente de negócios	US $ 22,4 milhões
Serviços comerciais	US $ 45,5 milhões

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.