CUBI Customers Bancorp (CUBI) Q2 FY26 earnings call
Customers Bancorp delivered strong Q2 FY26 results, marked by record loan and deposit growth, and continued expansion of tangible book value per share. The bank is aggressively integrating AI across its operations, aiming for transformational efficiency gains and enhanced client experience. Strategic team recruitment and the cubiX payments platform are driving low-cost deposit growth, positioning the bank for NII and NIM expansion in the second half of the year.
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CUBI operating KPIs by quarter
| KPI | This call Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 3.17%As we signaled last quarter, our second quarter net interest margin of 3.17% is expected to be the low point for 2026.Source: earnings call transcript | 3.19%Our third quarter net interest margin expanded 2 basis points to 3.19%.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 12.8%Our CET1 ratio was 12.8%, and our TCE to TA ratio grew 40 basis points year-over-year to 8.3%, even as tangible assets grew 18% over the same period.Source: earnings call transcript | 12.6%Our estimated CET1 ratio was 12.6% and our tangible common equity to tangible assets ratio was 8%, while we grew our tangible assets by over 3% and repurchased nearly 500,000 shares or about 1.5% of our common stock during the quarter.Source: earnings call transcript | -0.2 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.