Customers Bank
Malvern, Pennsylvania, Chester County
$26.5B in total assets, the 85th largest of 4,309 US banks and 4th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 34444
- Established
- 1997
- Owned by
- Customers Bcorp Inc
- Primary regulator
- FED
- Website
- www.customersbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $26.5B | 61% | $22.4B | |
| Loans | $18.0B | 60% | $14.4B | |
| Deposits | $21.9B | 62% | $18.0B | |
| Return on assets | 1.22% | 41% | 1.30% | |
| Net interest margin | 3.20% | 26% | 3.62% | |
| Efficiency ratio | 48.9% | 28% | 55.2% | |
| Equity to assets | 8.77% | 14% | 11.60% | |
| Loans to deposits | 82% | 34% | 87% |
Growth
Total assets grew 6.2% a year over the last 5 years and 10.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2011 | Berkshire Bank Wyomissing, PA | $137M |
| Sep 2010 | ISN Bank Cherry Hill, NJ | $82M |
| Jul 2010 | USA Bank Port Chester, NY | $191M |
Where they operate
7 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Westchester County, NY | $12.1B | 4.4% | 3 of 31 |
| Berks County, PA | $8.5B | 37.6% | 1 of 19 |
| Mercer County, NJ | $884M | 4.0% | 8 of 22 |
| Chester County, PA | $214M | 1.3% | 19 of 29 |
| Bucks County, PA | $204M | 0.8% | 22 of 28 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 9 branches since 2016 (16 to 7, −56.2%). 0 opened, 0 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 16 | |||
| 2017 | Closed Malvern | 0 | 1 | −1 | 15 |
| 2020 | Closed Rye and Yardley | 0 | 2 | −2 | 13 |
| 2022 | Closed 6 in Pennsylvania | 0 | 6 | −6 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 20% | 25% | |
| Business (C&I) | 18% | 17% | |
| Multifamily | 15% | 8% | |
| Consumer | 6% | 10% | |
| 1-4 family residential | 4% | 21% | |
| Construction and land | 1% | 6% | |
| Other | 37% | 12% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 62% | |
| Noninterest-bearing | 32% | 20% | |
| Time deposits | 16% | 18% |
Brokered deposits are 21.1% of deposits (peers 7.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.35% | 0.63% |
| Net charge-offs, annualized | 0.32% | 0.14% |
| Reserves to loans | 0.91% | 1.15% |
| Leverage ratio | 9.34% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Westchester County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/customers