HIGHBuilt-inLoan_portfolio
91.5%
commercial loans
“10-K Item 1A: 'we had $15.4 billion in commercial loans outstanding, approximately 91.5% of our total loan and lease portfolio'”
CUBI · Concentration risk · 10-K extracted
Customers Bancorp (CUBI) concentration risks
Updated
The most significant concentration Customers Bancorp discloses is commercial loans at 91.5%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Customers Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Northeast and Mid-Atlantic regions
“10-K Item 1A: 'our loan and deposit activities remained largely based in the Northeast and Mid-Atlantic regions'”
MEDIUMBuilt-inLoan_portfolio
digital asset industry deposits
“10-K Item 1A: 'many of our largest deposit relationships are concentrated in the digital asset industry'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile reflects three exposures that together define a distinctive risk architecture for a regional bank. The dominant disclosure is a high-share loan portfolio concentration: $15.4 billion in commercial loans outstanding represented approximately 91.5% of the total loan and lease portfolio. This is a structural concentration — it reflects a deliberate lending strategy weighted heavily toward commercial borrowers rather than consumer or residential credits, and at that share, virtually all credit performance variability runs through the commercial book. Alongside this, loan and deposit activities remained largely based in the Northeast and Mid-Atlantic regions — a moderate geographic concentration that is structural in character, reflecting the bank's historical operating footprint and branch network. Regional economic downturns or real estate stress in these markets would disproportionately affect both lending and deposit flows. The third exposure is notable for its idiosyncratic nature: many of the company's largest deposit relationships are concentrated in the digital asset industry, a moderate structural concentration in a sector known for heightened volatility and rapid deposit outflow risk. This deposit-side skew compounds the overall profile because digital asset industry clients can exhibit correlated withdrawal behavior during periods of sector stress, creating funding concentration risk that differs materially from a more diversified depositor base. Together, the three exposures — commercial loan book dominance, regional funding geography, and a digital asset deposit base — create a profile where credit, funding, and sector-specific dynamics all warrant close monitoring.
For the engine’s reasoning on CUBI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| CUBI● | Customers Bancorp, Inc | 1 | 2 | 0 | 3 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.