TellerScore

Headquartered in Malvern, Pennsylvania, Customers Bank is a state-chartered bank (fed member) with $26.5B in total assets and $21.9B in deposits as of Q2 2026. It operates 7 offices across 3 states. Its charter dates back to 1997.

Customers Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than 54% of its 132 banks with $10 billion – $100 billion. Among 110 banks headquartered in Pennsylvania, it ranks 68th. Problem-loan coverage contributes the most (94/100, 2.9%); capital cushion contributes the least (43/100, 9.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.34%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.33%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 81.6% · 44.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (62 → 65), mostly because the earnings component improved by 18 points.

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202461
Q1 202556
Q2 202562
Q3 202563
Q4 202564
Q1 202666
Q2 202665
Tier 1 leverage ratio
5.00%7.18%9.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.16%
Q3 20249.08%
Q4 20248.65%
Q1 20258.43%
Q2 20258.86%
Q3 20258.83%
Q4 20258.90%
Q1 20269.37%
Q2 20269.34%
Noncurrent loans
0.20%0.36%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.46%
Q4 20240.51%
Q1 20250.38%
Q2 20250.24%
Q3 20250.20%
Q4 20250.28%
Q1 20260.30%
Q2 20260.33%
Return on assets
0.27%0.71%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.01%
Q4 20240.89%
Q1 20250.27%
Q2 20250.71%
Q3 20250.92%
Q4 20251.01%
Q1 20261.14%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$26.5B9.34%0.33%1.15%81.6%
Q1 202666$25.9B9.37%0.30%1.14%79.4%
Q4 202564$24.9B8.90%0.28%1.01%79.2%
Q3 202563$24.3B8.83%0.20%0.92%78.3%
Q2 202562$22.5B8.86%0.24%0.71%80.0%
Q1 202556$22.4B8.43%0.38%0.27%78.2%
Q4 202461$22.3B8.65%0.51%0.89%76.3%
Q3 202464$21.5B9.08%0.46%1.01%76.4%
Q2 202465$21.0B9.16%0.49%1.06%75.7%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.34%
26th
Total risk-based capital14.53%
60th
Problem loans0.33%
83rd
Net charge-offs0.32%
19th
Return on assets1.15%
39th
Net interest margin3.20%
29th
Efficiency ratio48.9%
69th
Loans to deposits81.6%
63rd
Uninsured deposits44.3%
34th
Loan-loss reserves0.91%
23rd
Texas ratio2.9%
68th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
TriState Capital BankBank Pittsburgh, PA56 out of 100, Moderate$24.3B7.4%0.30%vs
BNY Mellon, National AssociationBank Pittsburgh, PA57 out of 100, Moderate$30.6B6.5%0.06%vs
Fulton Bank, National AssociationBank Lancaster, PA65 out of 100, Moderate$32.6B10.2%0.71%vs
Northwest BankBank Warren, PA66 out of 100, Moderate$17.2B9.8%0.69%vs
Dollar Bank, Federal Savings BankBank Pittsburgh, PA62 out of 100, Moderate$12.7B11.0%0.72%vs
First Commonwealth BankBank Indiana, PA65 out of 100, Moderate$12.2B10.2%0.89%vs

Deposit insurance

Is my money safe at Customers Bank?

Yes. Customers Bank is an FDIC-insured institution (FDIC certificate #34444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.3% of deposits ($9.7B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.34%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.53% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Customers Bank lists 7 offices in 7 cities across 3 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 72 consumer complaints about CUSTOMERS BANCORP, INC to the company (27 in the last 12 months). 100.0% received a timely response. That is 3.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Customers Bank reported 380 home-loan applications under HMDA (LEI 6UHRKD73G36IZYN3FC43): 328 originated ($558,200,000 total), 14 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Customers Bank
Former names
New Century Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34444
RSSD ID
2354985
Primary regulator
FED
Holding company
Customers Bcorp Inc
Established
June 26, 1997
Headquarters
40 General Warren Blvd, Malvern, PA 19355
Employees
883

Quick answers

Customers Bank: common questions

Is Customers Bank FDIC insured?

Yes. Customers Bank is an FDIC-insured institution (FDIC certificate #34444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Customers Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Customers Bank ever failed?

There is no failure record for FDIC certificate #34444 in the FDIC failed bank list.

How many branches does Customers Bank have?

7 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Malvern

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
The National Bank of MalvernBank Malvern, PA93 out of 100, Very strong$224.0M16.5%0.10%vs
SEI Private Trust CompanyBank Oaks, PA93 out of 100, Very strong$208.5M80.4%0.00%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs