BlastPoint's Banking Scorecard

Customers Bank

$10B-$250B Specialty: Commercial PA FDIC cert 34444

Designations: ✓ Community bank

Malvern, PA

7 branches across PA · NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 8 in PA.
Deposits +14.6% year over year ($21.9B on the books).
Delinquency rate 0.33%.
Return on assets 1.15%.
Efficiency ratio 48.88% vs a 53.67% peer average.
Loan-to-deposit ratio 81.60% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 8 in PA

View $10B-$250B leaderboard (PA) →

Customers Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 17.1% in tier
+ Efficiency Ratio 4.79% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.4% in tier
- ROA 0.24% below tier average
- Net Interest Margin 0.72% below tier average

Get updates when Customers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$26.5B +17.6% YoY +2.5% QoQ	-$17.1B	$43.6B -13.8% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$17.9B +16.9% YoY +3.6% QoQ	-$10.1B	$28.0B -8.6% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$21.9B +14.6% YoY +0.8% QoQ	-$13.5B	$35.4B -14.0% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	1.15% +61.0% YoY +0.5% QoQ	-0.24%	1.39% +25.9% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	37%
Net Interest Margin ?	3.20% -1.8% YoY -1.0% QoQ	-0.72%	3.92% +8.9% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	48.88% -2.7% YoY +0.9% QoQ	-4.79%	53.67% -1.9% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.33% +39.7% YoY +11.6% QoQ	-0.68%	1.01% -2.8% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	85%
Loan-to-Deposit Ratio ?	81.60% +2.0% YoY +2.8% QoQ	-1.01%	82.61% +3.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	62%
Non-Interest-Bearing Deposit Share ?	32.23% +10.2% YoY +2.2% QoQ	+11.65%	20.58% +4.9% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	Top 13.7% in tier
Nonperforming Asset Ratio ?	0.34% +10.3% YoY +10.9% QoQ	-0.39%	0.73% +5.8% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	13.55% +4.2% YoY -1.7% QoQ	-1.80%	15.35% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.26% -5.9% YoY +93.0% QoQ	-0.24%	0.50% +10.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	32.2% +3.0pp YoY +0.7pp QoQ	+11.2pp	21.0%	18.7%	22.2%	85%
Brokered Deposits	21.1% -11.8pp YoY +0.5pp QoQ	+11.9pp	9.2%	6.8%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	18.3% -1.0pp YoY -0.3pp QoQ	+1.1pp	17.2%	8.6%	12.5%	62%
CRE	36.1% +1.7pp YoY +0.4pp QoQ	-6.0pp	42.0%	37.9%	41.4%	31%
1-4 Family	3.7% -0.7pp YoY 0.0pp QoQ	-19.4pp	23.1%	47.8%	31.3%	8%
Consumer	5.7% +0.1pp YoY +0.4pp QoQ	-7.2pp	12.9%	3.8%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.6pp YoY -0.2pp QoQ	-1.7pp	15.3%	22.3%	19.7%	60%
Leverage Ratio	9.3% +0.5pp YoY 0.0pp QoQ	-1.1pp	10.4%	13.2%	12.6%	24%
Total Capital Ratio	14.5% +0.1pp YoY -0.2pp QoQ	-2.0pp	16.5%	23.3%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	883 +77 (+9.6%) YoY -18 (-2.0%) QoQ	-2,375	3,258	299	482	19%
Assets per Employee ($)	$30.0M +7.3% YoY +4.6% QoQ	+$3.0M	$27.0M	$9.2M	$8.8M	86%
Branch Count	7 0 YoY 0 QoQ	-131	137	20	18	22%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.4%	36%
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.7%	0.9%	1.0%	27%
Allowance Coverage	2.74x -31.9% YoY -11.8% QoQ	-0.07x	2.81x	3.63x	20.23x	74%
Net Charge-off Rate (YTD)	0.3% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.4%	0.1%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	13.1% +4.5pp YoY +0.1pp QoQ	+0.4pp	12.6%	10.2%	11.6%	68%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.4pp	2.0%	1.8%	1.7%	75%
Net Income ($, YTD)	$147.4M +85.0% YoY — QoQ	-$149.4M	$296.8M	$18.2M	$40.4M	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#7 of 35 • Top 17.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.33%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#16 of 67 • Bottom 22.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.33%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.23%

Peer Median: 20.58%

#20 of 139 Top 13.7% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.33%

Peer Median: 1.01%

#22 of 138 Top 15.2% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.34%

Peer Median: 0.73%

#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available