BlastPoint's Banking Scorecard
Customers Bank
Designations: ✓ Community bank
Malvern, PA
7 branches across PA · NJ · NY
Customers Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 50.0% in tier
- + Efficiency Ratio 5.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.9B
+15.4% YoY
+3.9% QoQ
|
-$21.5B |
$47.4B
-2.0% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.0% YoY
|
51% |
| Total Loans ? |
$17.2B
+15.2% YoY
+3.6% QoQ
|
-$12.4B |
$29.6B
-0.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.7% YoY
|
50% |
| Total Deposits ? |
$21.7B
+13.4% YoY
+3.4% QoQ
|
-$17.0B |
$38.7B
-1.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.0% YoY
|
52% |
| Return on Assets ? |
1.14%
+325.7% YoY
+13.0% QoQ
|
-0.15% |
1.28%
+19.3% YoY
|
1.46%
+26.2% YoY
|
1.24%
+13.1% YoY
|
41% |
| Net Interest Margin ? |
3.23%
+1.7% YoY
-5.5% QoQ
|
-0.54% |
3.77%
+5.6% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
48.44%
-6.0% YoY
+0.5% QoQ
|
-5.46% |
53.90%
-4.0% YoY
|
69.09%
-7.7% YoY
|
66.84%
-3.8% YoY
|
73% |
| Delinquency Rate ? |
0.30%
-22.6% YoY
+4.6% QoQ
|
-0.72% |
1.02%
-4.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Top 14.2% in tier |
| Loan-to-Deposit Ratio ? |
79.38%
+1.5% YoY
+0.3% QoQ
|
-1.51% |
80.88%
+2.0% YoY
|
83.35%
-0.2% YoY
|
76.69%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
31.55%
+5.1% YoY
+1.6% QoQ
|
+11.72% |
19.82%
+0.3% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.1% YoY
|
Top 12.6% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-6.0% YoY
-1.0% QoQ
|
-0.42% |
0.73%
+4.0% YoY
|
0.67%
+14.7% YoY
|
0.66%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
13.78%
+11.1% YoY
+4.0% QoQ
|
-1.78% |
15.56%
-0.1% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.13%
+9.4% YoY
-73.3% QoQ
|
-0.09% |
0.23%
+0.9% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.0% YoY
|
41% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.