Customers Bancorp, Inc.

At September 30, 2025, the AFS debt securities portfolio had a spot yield of 5.81%, an effective duration of approximately 2.1 years, and approximately 29% are variable rate.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

At September 30, 2025, the HTM debt securities portfolio represented only 3.3% of total assets, had a spot yield of 3.68% and an effective duration of approximately 3.7 years.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Borrowings Total borrowings increased slightly to $1.5 billion at September 30, 2025 as compared to the prior quarter.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Total borrowings increased $79 million, or 6%, to $1.5 billion at September 30, 2025 as compared to a year ago.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Customers Bancorp s common equity increased $380 million to $2.0 billion, and tangible common equity* increased $380 million to $2.0 billion, at September 30, 2025 compared to a year ago, respectively, primarily from earnings of $162 million, the issuance of 2,518,248 shares and a decrease in AOCI of $55 million (net of taxes) mostly from decreased unrealized losses on investment securities, offset in part by $7 million of common share repurchases.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Otherwise represents Q2 25 data STRONG CAPITAL AND LIQUIDITY Immediately available liquidity to uninsured deposits1 of 146% Total overall liquidity of $10.9 billion as of Q3 25 Loans-HFI to Deposits Q3 25, percent CUBI Regional Bank Peers2 80% 88% Borrowings % of Total Liabilities Q3 25, percent CUBI Regional Bank Peers2 7% 5% 20 Let s take on tomorrow.

SEC original ↗Customers Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

CEO Commentary West Reading, Pa, October 23, 2025 - We are pleased with our third quarter results that show the company s continued execution of its strategic priorities and underscore our success in growing franchise value, said Customers Bancorp Chairman and CEO Jay Sidhu.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

The success of this offering reflects a clear vote of confidence in our strategy, our team, and the disciplined execution of our business model.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

We believe that our unique strategy, the investments we have continued to make, and the exceptional talent across our organization position us strongly for continued success, Jay Sidhu continued.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

We have a strong loan pipeline and our primarily deposit focused commercial banking team recruitment strategy continued to gain momentum with an additional 4 teams joining in the third quarter.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

As previously communicated, we continued to reinvest a portion of the benefit of our operational excellence initiatives to further strengthen our human capital, risk management and technology infrastructure to support the next phase of growth.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

These forward-looking statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole or in part, are beyond Customers Bancorp, Inc.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

trade policies, including the imposition of tariffs and retaliatory tariffs on its trading partners and the effects of any changes in accounting standards or policies.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

For a more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers Bancorp, Inc.

SEC original ↗Customers Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

trade policies, including the imposition of tariffs and retaliatory tariffs on its trading partners; and the effects of any changes in accounting standards or policies.

SEC original ↗Customers Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025