CUBBMEDIUM SIGNALFINANCIAL10-K

CUBB demonstrated solid growth across key financial metrics with notable expansion in assets and deposits, while significantly reducing share repurchase activity.

The bank's balanced growth profile shows healthy business expansion with total assets growing to $24.9B and deposits reaching $20.8B, indicating successful customer acquisition and market penetration. The substantial reduction in share buybacks from $19.2M to $5.6M suggests management is prioritizing capital retention for growth opportunities rather than returning capital to shareholders.

Comparing 2026-02-27 vs 2025-02-28View on EDGAR →
FINANCIAL ANALYSIS

CUBB delivered strong financial performance with net income growing to $224.1M, supported by meaningful expansion across the balance sheet including 16.5% growth in cash and equivalents to $4.4B and 10.3% growth in total deposits to $20.8B. The bank maintained a healthy capital position with stockholders equity increasing 15.2% to $2.1B, while total assets grew 11.6% to $24.9B. The sharp 70.7% decline in share repurchases indicates a strategic shift toward capital preservation to support the bank's growth trajectory.

FINANCIAL STATEMENT CHANGES
Share Buybacks
Cash Flow
-70.7%
$19.2M$5.6M

Buyback activity reduced 70.7% — capital being redeployed elsewhere or cash conservation underway.

Net Income
P&L
+23.5%
$181.5M$224.1M

Net income grew 23.5% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
+16.5%
$3.8B$4.4B

Cash grew 16.5% — improving liquidity position supports investment and shareholder returns.

Stockholders Equity
Balance Sheet
+15.2%
$1.8B$2.1B

Equity base grew 15.2% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Total Assets
Balance Sheet
+11.6%
$22.3B$24.9B

Asset base grew 11.6% — expansion through organic growth, acquisitions, or capital deployment.

Total Liabilities
Balance Sheet
+11.3%
$20.5B$22.8B

Liabilities increased 11.3% — monitor debt-to-equity ratio and interest coverage.

Total Deposits
Balance Sheet
+10.3%
$18.8B$20.8B

Deposits grew 10.3% — expanding customer base or increased trust in the institution.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-28
ADDED
On February 24, 2026, 34,212,174 shares of common stock were outstanding.
Stablecoins Act of 2025 GLBA Gramm-Leach-Bliley Act of 1999 Higher One Higher One Holdings, Inc.
The Bank has diversified lending activities that build overall franchise value and a high-tech, high-touch, branch-light strategy that serves its customers through a single-point-of-contact private banking strategy.
The Bank serves commercial businesses, through community, SBA, and private client groups.
The Bank also serves corporate businesses nationwide, including healthcare, real estate specialty finance, fund finance, technology and venture capital banking, financial institutions group, mortgage finance and commercial equipment financing, as well as commercial real estate companies in the Bank s geographic markets and provides payments and treasury services.
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REMOVED
On February 25, 2025, 31,467,244 shares of common stock were outstanding.
Amended and Restated 2004 Incentive Equity and Deferred Compensation Plan 2010 Plan 2010 Stock Option Plan 2019 Plan 2019 Stock Incentive Plan 2024 Share Repurchase Program Share repurchase program authorized by the Board of Directors of Customers Bancorp in 2024 ACL Allowance for Credit Losses AFS Available for sale AI Artificial Intelligence AOCI Accumulated Other Comprehensive Income (Loss) ASC Accounting Standards Codification ASU Accounting Standards Update ATM Automated Teller Machine B2B Business-to-business Bancorp Customers Bancorp, Inc.
Department of Housing and Urban Development Insiders Directors, Officers, Employees and 10%-or-Greater Shareholders Interstate Act Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 Interstate MOU Memorandum of Understanding between Banking Regulators in the States of New Jersey, New York and Pennsylvania IRS Internal Revenue Service ISO International Organization for Standardization LIBOR London Interbank Offered Rate LPO Limited Purpose Office Malware Unauthorized Software MFAC Megalith Financial Acquisition Corp.
The Bank has diversified lending activities that build overall franchise value and a high-tech, high-touch branch-light strategy that serves its customers through a single-point-of-contact private banking strategy with a focus on community banking businesses, including commercial and industrial and commercial real estate loans (to borrowers in Pennsylvania, New Jersey, New York City, New England and other geographies), multifamily lending, SBA lending and residential mortgage lending.
The Bank also serves specialized businesses nationwide, including its specialized lending, mortgage finance loans and commercial equipment financing.
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