Regulatory Capital (Tables)

9 Months Ended

Sep. 30, 2020

Summary of Capital Amounts, Tier 1 Risk Based and Tier 1 Leveraged Ratios

Generally, to comply with the regulatory definition of adequately capitalized, or well capitalized, respectively, or to comply with the Basel III capital requirements, an institution must at least maintain the common equity Tier 1, Tier 1 and total risk-based capital ratios and the Tier 1 leverage ratio in excess of the related minimum ratios as set forth in the following table:


					Minimum Capital Levels to be Classified as:
	Actual				Adequately Capitalized				Well Capitalized				Basel III Compliant
(amounts in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
As of September 30, 2020:
Common equity Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	902,174	7.488	%	$	542,199	4.500	%	N/A		N/A		$	843,420	7.000	%
Customers Bank	$	1,217,159	10.120	%	$	541,217	4.500	%	$	781,757	6.500	%	$	841,892	7.000	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,119,645	9.293	%	$	722,932	6.000	%	N/A		N/A		$	1,024,153	8.500	%
Customers Bank	$	1,217,159	10.120	%	$	721,622	6.000	%	$	962,163	8.000	%	$	1,022,298	8.500	%
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,361,237	11.298	%	$	963,909	8.000	%	N/A		N/A		$	1,265,130	10.500	%
Customers Bank	$	1,397,059	11.616	%	$	962,163	8.000	%	$	1,202,704	10.000	%	$	1,262,839	10.500	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	1,119,645	8.534	%	$	524,799	4.000	%	N/A		N/A		$	524,799	4.000	%
Customers Bank	$	1,217,159	9.288	%	$	524,203	4.000	%	$	655,254	5.000	%	$	524,203	4.000	%
As of December 31, 2019:
Common equity Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	821,810	7.984	%	$	463,211	4.500	%	N/A		N/A		$	720,551	7.000	%
Customers Bank	$	1,164,652	11.323	%	$	462,842	4.500	%	$	668,549	6.500	%	$	719,976	7.000	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,039,281	10.096	%	$	617,615	6.000	%	N/A		N/A		$	874,955	8.500	%
Customers Bank	$	1,164,652	11.323	%	$	617,122	6.000	%	$	822,829	8.000	%	$	874,256	8.500	%
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,256,309	12.205	%	$	823,487	8.000	%	N/A		N/A		$	1,080,827	10.500	%
Customers Bank	$	1,330,155	12.933	%	$	822,829	8.000	%	$	1,028,537	10.000	%	$	1,079,964	10.500	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	1,039,281	9.258	%	$	449,026	4.000	%	N/A		N/A		$	449,026	4.000	%
Customers Bank	$	1,164,652	10.379	%	$	448,851	4.000	%	$	561,064	5.000	%	$	448,851	4.000	%