Q4 2025 Customers Bancorp Inc Earnings Call Transcript
Key Points
- Customers Bancorp Inc (CUBI) reported a strong financial performance for 2025, with core EPS increasing to $7.61 from $5.60 in 2024.
- The company achieved significant deposit growth, with deposits increasing by approximately $2 billion or 10% for the year.
- Customers Bancorp Inc (CUBI) saw a 15% growth in loans, contributing to record net interest income, which also grew by 15%.
- The company's efficiency ratio improved by over 6 percentage points, and tangible book value grew by 14% in 2025.
- The cubiX platform achieved over $2 trillion in payments volume, positioning Customers Bancorp Inc (CUBI) as the #1 commercial payments network in the U.S.
- The company faces risks and uncertainties related to forward-looking statements, which may cause actual performance to differ materially.
- There was a $15 million increase in non-performing C&I loans and a $2 million increase in multifamily loans, indicating some credit quality concerns.
- The company's deposit beta was 54% for the quarter, which may indicate sensitivity to interest rate changes.
- Professional fees remain high, with $1.9 million in legal fees related to new team onboarding, which may impact future expenses.
- The company is still under a regulatory order, although it is substantially complete, which could pose ongoing compliance challenges.
Good morning. Thank you for joining us, and welcome to the Customers Bancorp 2025 Q4 and year-end earnings report. My name is Devin, and I will be your call moderator for today. (Operator Instructions)
I will now hand the call over to Philip Watkins, Executive Vice President, Head of Corporate Development and Investor Relations. Please go ahead.
Thanks, Devin, and good morning, everyone. Thank you for joining us for the Customers Bancorp's earnings webcast for the fourth quarter and full year 2025.
The presentation you will see during today's webcast has been posted on the Investors webpage of the bank's website at www.customersbank.com. You can scroll to fourth-quarter and full-year 2025 results and click Download Presentation. You can also download a PDF of the full press release at this spot.
Before we begin, we would like to remind you that some of the statements
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