XML 41 R29.htm IDEA: XBRL DOCUMENT
v3.21.1

Loans and Leases Receivable and Allowance for Credit Losses (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2021
Receivables [Abstract] |
Schedule of Loans and Leases Receivable | The following table presents loans and leases receivable as of March 31, 2021 and December 31, 2020.
(amounts in thousands) | March 31, 2021 |  | December 31, 2020
Loans and leases receivable, mortgage warehouse, at fair value | $ | 3,407,622 |  |  | $ | 3,616,432 |
Loans receivable, PPP | 5,178,089 |  |  | 4,561,365 |
Loans receivable: |  |  |
Commercial: |  |  |
Multi-family | 1,640,278 |  |  | 1,761,301 |
Commercial and industrial (1) | 2,220,652 |  |  | 2,289,441 |
Commercial real estate owner occupied | 590,093 |  |  | 572,338 |
Commercial real estate non-owner occupied | 1,194,832 |  |  | 1,196,564 |
Construction | 156,837 |  |  | 140,905 |
Total commercial loans and leases receivable | 5,802,692 |  |  | 5,960,549 |
Consumer: |  |  |
Residential real estate | 293,805 |  |  | 317,170 |
Manufactured housing | 59,977 |  |  | 62,243 |
Installment | 1,380,015 |  |  | 1,235,406 |
Total consumer loans receivable | 1,733,797 |  |  | 1,614,819 |
Loans and leases receivable (2) | 7,536,489 |  |  | 7,575,368 |
Allowance for credit losses on loans and leases | (128,736) |  |  | (144,176) |
Total loans and leases receivable, net of allowance for credit losses on loans and leases | $ | 15,993,464 |  |  | $ | 15,608,989 |
(1)Includes direct finance equipment leases of $107.1 million and $108.0 million at March 31, 2021 and December 31, 2020, respectively. (2)Includes deferred (fees) costs and unamortized (discounts) premiums, net of $(133.2) million and $(54.6) million at March 31, 2021 and December 31, 2020, respectively.
Loans and Leases Receivable by Loan Type and Performance Status | The following tables summarize loans and leases receivable by loan and lease type and performance status as of March 31, 2021 and December 31, 2020:
| March 31, 2021
(amounts in thousands) | 30-59 Days past due (1) |  | 60-89 Days past due (1) |  | 90 Days or more past due (1) |  | Total past due (1) |  | Loans and leases not past due (2) |  | Total loans and leases (3)
Multi-family | $ | 8,480 |  |  | $ | 1,245 |  |  | $ | 16,703 |  |  | $ | 26,428 |  |  | $ | 1,613,850 |  |  | $ | 1,640,278 |
Commercial and industrial | 2,086 |  |  | 4,732 |  |  | 2,705 |  |  | 9,523 |  |  | 2,211,129 |  |  | 2,220,652 |
Commercial real estate owner occupied | 1,920 |  |  | — |  |  | 2,219 |  |  | 4,139 |  |  | 585,954 |  |  | 590,093 |
Commercial real estate non-owner occupied | 2,169 |  |  | — |  |  | 2,356 |  |  | 4,525 |  |  | 1,190,307 |  |  | 1,194,832 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 156,837 |  |  | 156,837 |
Residential real estate | 2,514 |  |  | 235 |  |  | 1,324 |  |  | 4,073 |  |  | 289,732 |  |  | 293,805 |
Manufactured housing | 1,403 |  |  | 871 |  |  | 1,917 |  |  | 4,191 |  |  | 55,786 |  |  | 59,977 |
Installment | 5,492 |  |  | 2,125 |  |  | 78 |  |  | 7,695 |  |  | 1,372,320 |  |  | 1,380,015 |
Total | $ | 24,064 |  |  | $ | 9,208 |  |  | $ | 27,302 |  |  | $ | 60,574 |  |  | $ | 7,475,915 |  |  | $ | 7,536,489 |
| December 31, 2020
(amounts in thousands) | 30-59 Days past due (1) |  | 60-89 Days past due (1) |  | 90 Days or more past due (1) |  | Total past due (1) |  | Loans and leases not past due (2) |  | Total loans and leases (3)
Multi-family | $ | 4,193 |  |  | $ | 5,224 |  |  | $ | 14,907 |  |  | $ | 24,324 |  |  | $ | 1,736,977 |  |  | $ | 1,761,301 |
Commercial and industrial | 2,257 |  |  | 1,274 |  |  | 3,079 |  |  | 6,610 |  |  | 2,282,831 |  |  | 2,289,441 |
Commercial real estate owner occupied | 864 |  |  | 1,324 |  |  | 2,370 |  |  | 4,558 |  |  | 567,780 |  |  | 572,338 |
Commercial real estate non-owner occupied | — |  |  | 60 |  |  | 2,356 |  |  | 2,416 |  |  | 1,194,148 |  |  | 1,196,564 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 140,905 |  |  | 140,905 |
Residential real estate | 6,640 |  |  | 1,827 |  |  | 1,856 |  |  | 10,323 |  |  | 306,847 |  |  | 317,170 |
Manufactured housing | 1,518 |  |  | 673 |  |  | 1,951 |  |  | 4,142 |  |  | 58,101 |  |  | 62,243 |
Installment | 6,161 |  |  | 3,430 |  |  | 81 |  |  | 9,672 |  |  | 1,225,734 |  |  | 1,235,406 |
Total | $ | 21,633 |  |  | $ | 13,812 |  |  | $ | 26,600 |  |  | $ | 62,045 |  |  | $ | 7,513,323 |  |  | $ | 7,575,368 |
(1)Includes past due loans and leases that are accruing interest because collection is considered probable. (2)Loans and leases where next payment due is less than 30 days from the report date. The March 31, 2021 and December 31, 2020 tables exclude PPP loans of $5.2 billion and $4.6 billion, respectively, which are all current as of March 31, 2021 and December 31, 2020. (3)Includes PCD loans of $12.5 million and $13.4 million at March 31, 2021 and December 31, 2020, respectively.
Amortized cost of Loans and Leases on Nonaccrual Status | The following table presents the amortized cost of loans and leases held for investment on nonaccrual status.
| March 31, 2021 (1) |  | December 31, 2020 (1) |  |  |  |
(amounts in thousands) | Nonaccrual loans with no related allowance |  | Nonaccrual loans with related allowance |  | Total nonaccrual loans |  | Nonaccrual loans with no related allowance |  | Nonaccrual loans with related allowance |  | Total nonaccrual loans |  |  |  |  |  |  |  |
Multi-family | $ | 20,530 |  |  | $ | — |  |  | $ | 20,530 |  |  | $ | 18,800 |  |  | $ | 2,928 |  |  | $ | 21,728 |  |  |  |  |  |  |  |  |
Commercial and industrial | 7,282 |  |  | 262 |  |  | 7,544 |  |  | 6,384 |  |  | 2,069 |  |  | 8,453 |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied | 3,242 |  |  | — |  |  | 3,242 |  |  | 3,411 |  |  | — |  |  | 3,411 |  |  |  |  |  |  |  |  |
Commercial real estate non-owner occupied | 2,259 |  |  | 97 |  |  | 2,356 |  |  | 2,356 |  |  | — |  |  | 2,356 |  |  |  |  |  |  |  |  |
Residential real estate | 9,353 |  |  | — |  |  | 9,353 |  |  | 9,911 |  |  | — |  |  | 9,911 |  |  |  |  |  |  |  |  |
Manufactured housing | — |  |  | 2,871 |  |  | 2,871 |  |  | — |  |  | 2,969 |  |  | 2,969 |  |  |  |  |  |  |  |  |
Installment | — |  |  | 2,185 |  |  | 2,185 |  |  | — |  |  | 3,211 |  |  | 3,211 |  |  |  |  |  |  |  |  |
Total | $ | 42,666 |  |  | $ | 5,415 |  |  | $ | 48,081 |  |  | $ | 40,862 |  |  | $ | 11,177 |  |  | $ | 52,039 |  |  |  |  |  |  |  |  |
(1) Presented at amortized cost basis.
Schedule of Allowance for Credit Losses on Loans and Leases | The changes in the ACL on loans and leases for the three months ended March 31, 2021 and 2020 are presented in the tables below.
Three Months Ended March 31, 2021 | Multi-family |  | Commercial and industrial |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Construction |  | Residential real estate |  | Manufactured housing |  | Installment |  | Total
(amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance, December 31, 2020 | $ | 12,620 |  |  | $ | 12,239 |  |  | $ | 9,512 |  |  | $ | 19,452 |  |  | $ | 5,871 |  |  | $ | 3,977 |  |  | $ | 5,190 |  |  | $ | 75,315 |  |  | $ | 144,176 |
Charge-offs | (1,132) |  |  | (635) |  |  | (142) |  |  | — |  |  | — |  |  | (50) |  |  | — |  |  | (12,687) |  |  | (14,646) |
Recoveries | — |  |  | 260 |  |  | 8 |  |  | 10 |  |  | 5 |  |  | 10 |  |  | — |  |  | 1,832 |  |  | 2,125 |
Provision (benefit) for credit losses | (3,462) |  |  | (4,361) |  |  | (3,443) |  |  | (7,841) |  |  | (1,773) |  |  | (728) |  |  | (390) |  |  | 19,079 |  |  | (2,919) |
Ending Balance, March 31, 2021 | $ | 8,026 |  |  | $ | 7,503 |  |  | $ | 5,935 |  |  | $ | 11,621 |  |  | $ | 4,103 |  |  | $ | 3,209 |  |  | $ | 4,800 |  |  | $ | 83,539 |  |  | $ | 128,736 |
Three Months Ended March 31, 2020 | Multi-family |  | Commercial and industrial |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Construction |  | Residential real estate |  | Manufactured housing |  | Installment |  | Total
(amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance, December 31, 2019 | $ | 6,157 |  |  | $ | 15,556 |  |  | $ | 2,235 |  |  | $ | 6,243 |  |  | $ | 1,262 |  |  | $ | 3,218 |  |  | $ | 1,060 |  |  | $ | 20,648 |  |  | $ | 56,379 |
Cumulative effect of change in accounting principle | 2,171 |  |  | 759 |  |  | 5,773 |  |  | 7,918 |  |  | (98) |  |  | 1,518 |  |  | 3,802 |  |  | 57,986 |  |  | 79,829 |
Charge-offs | — |  |  | (97) |  |  | — |  |  | (12,797) |  |  | — |  |  | — |  |  | — |  |  | (6,246) |  |  | (19,140) |
Recoveries | — |  |  | 54 |  |  | 3 |  |  | — |  |  | 3 |  |  | 29 |  |  | — |  |  | 340 |  |  | 429 |
Provision (benefit) for credit losses | 422 |  |  | 2,534 |  |  | 516 |  |  | 17,166 |  |  | 767 |  |  | (585) |  |  | 125 |  |  | 10,841 |  |  | 31,786 |
Ending Balance, March 31, 2020 | $ | 8,750 |  |  | $ | 18,806 |  |  | $ | 8,527 |  |  | $ | 18,530 |  |  | $ | 1,934 |  |  | $ | 4,180 |  |  | $ | 4,987 |  |  | $ | 83,569 |  |  | $ | 149,283 |
Analysis of Loans Modified in Troubled Debt Restructuring by Type of Concession | The following table presents loans modified in a TDR by type of concession for the three months ended March 31, 2021 and 2020. There were no modifications that involved forgiveness of debt for the three months ended March 31, 2021 and 2020.
| Three Months Ended March 31,
| 2021 |  | 2020
(dollars in thousands) | Number of loans |  | Recorded investment |  | Number of loans |  | Recorded investment
Extensions of maturity | — |  |  | $ | — |  |  | 4 |  |  | $ | 245 |
Interest-rate reductions | 8 |  |  | 184 |  |  | 12 |  |  | 530 |
Other (1) | 20 |  |  | 541 |  |  | — |  |  | — |
Total | 28 |  |  | $ | 725 |  |  | 16 |  |  | $ | 775 |
(1) Other includes covenant modifications, forbearance, loans discharged under Chapter 7 bankruptcy, or other concessions.
Summary of Loans Modified in Troubled Debt Restructurings and Related Recorded Investment Within Twelve Months | The following table presents, by loan type, the number of loans modified in TDRs and the related recorded investment, for which there was a payment default within twelve months following the modification:
| March 31, 2021 |  | March 31, 2020 |  |
(dollars in thousands) | Number of loans |  | Recorded investment |  | Number of loans |  | Recorded investment |  |  |  |
Manufactured housing | 3 |  |  | $ | 48 |  |  | — |  |  | $ | — |  |  |  |  |
Commercial real estate owner occupied | — |  |  | — |  |  | 1 |  |  | 8 |  |  |  |  |
Residential real estate | 1 |  |  | 56 |  |  | 5 |  |  | 684 |  |  |  |  |
Installment | 16 |  |  | 250 |  |  | — |  |  | — |  |  |  |  |
Total loans | 20 |  |  | $ | 354 |  |  | 6 |  |  | $ | 692 |  |  |  |  |
Credit Ratings of Covered and Non-Covered Loan Portfolio | The following tables present the credit ratings of loans and leases receivable as of March 31, 2021 and December 31, 2020.
| Term Loans Amortized Cost Basis by Origination Year as of March 31, 2021 |  |  |  |  |  |
(amounts in thousands) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Multi-family loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 90,497 |  |  | $ | 130,496 |  |  | $ | 22,678 |  |  | $ | 275,379 |  |  | $ | 418,365 |  |  | $ | 565,953 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,503,368 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 20,279 |  |  | 36,870 |  |  | — |  |  | — |  |  | 57,149 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 50,078 |  |  | 29,683 |  |  | — |  |  | — |  |  | 79,761 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |  |  | — |
Total multi-family loans | $ | 90,497 |  |  | $ | 130,496 |  |  | $ | 22,678 |  |  | $ | 275,379 |  |  | $ | 488,722 |  |  | $ | 632,506 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,640,278 |
Commercial and industrial loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 274,698 |  |  | $ | 448,597 |  |  | $ | 335,492 |  |  | $ | 139,864 |  |  | $ | 109,093 |  |  | $ | 112,621 |  |  | $ | 692,981 |  |  | $ | — |  |  | $ | 2,113,346 |
Special mention | 16,935 |  |  | 13,200 |  |  | 1,044 |  |  | 563 |  |  | 33 |  |  | 258 |  |  | 16,342 |  |  | — |  |  | 48,375 |
Substandard | — |  |  | 10,856 |  |  | 6,619 |  |  | 18,049 |  |  | 7,148 |  |  | 7,752 |  |  | 8,507 |  |  | — |  |  | 58,931 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans and leases | $ | 291,633 |  |  | $ | 472,653 |  |  | $ | 343,155 |  |  | $ | 158,476 |  |  | $ | 116,274 |  |  | $ | 120,631 |  |  | $ | 717,830 |  |  | $ | — |  |  | $ | 2,220,652 |
Commercial real estate owner occupied loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 33,144 |  |  | $ | 82,661 |  |  | $ | 167,487 |  |  | $ | 71,146 |  |  | $ | 61,561 |  |  | $ | 133,469 |  |  | $ | 672 |  |  | $ | — |  |  | $ | 550,140 |
Special mention | — |  |  | — |  |  | 4,286 |  |  | — |  |  | 11,010 |  |  | 292 |  |  | — |  |  | — |  |  | 15,588 |
Substandard | — |  |  | — |  |  | 2,848 |  |  | 9,538 |  |  | 240 |  |  | 11,739 |  |  | — |  |  | — |  |  | 24,365 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate owner occupied loans | $ | 33,144 |  |  | $ | 82,661 |  |  | $ | 174,621 |  |  | $ | 80,684 |  |  | $ | 72,811 |  |  | $ | 145,500 |  |  | $ | 672 |  |  | $ | — |  |  | $ | 590,093 |
Commercial real estate non-owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 11,186 |  |  | $ | 120,080 |  |  | $ | 94,136 |  |  | $ | 95,355 |  |  | $ | 120,861 |  |  | $ | 423,438 |  |  | $ | 14,019 |  |  | $ | — |  |  | $ | 879,075 |
Special mention | — |  |  | 61,994 |  |  | 11,285 |  |  | 996 |  |  | 99,671 |  |  | 53,340 |  |  | — |  |  | — |  |  | 227,286 |
Substandard | — |  |  | — |  |  | — |  |  | 17,741 |  |  | 20,611 |  |  | 50,119 |  |  | — |  |  | — |  |  | 88,471 |
Doubtful | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate non-owner occupied loans | $ | 11,186 |  |  | $ | 182,074 |  |  | $ | 105,421 |  |  | $ | 114,092 |  |  | $ | 241,143 |  |  | $ | 526,897 |  |  | $ | 14,019 |  |  | $ | — |  |  | $ | 1,194,832 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 971 |  |  | $ | 28,168 |  |  | $ | 110,973 |  |  | $ | 4,921 |  |  | $ | — |  |  | $ | 9,627 |  |  | $ | 667 |  |  | $ | — |  |  | $ | 155,327 |
Special mention | — |  |  | 1,510 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,510 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | $ | 971 |  |  | $ | 29,678 |  |  | $ | 110,973 |  |  | $ | 4,921 |  |  | $ | — |  |  | $ | 9,627 |  |  | $ | 667 |  |  | $ | — |  |  | $ | 156,837 |
Total commercial loans and leases receivable | $ | 427,431 |  |  | $ | 897,562 |  |  | $ | 756,848 |  |  | $ | 633,552 |  |  | $ | 918,950 |  |  | $ | 1,435,161 |  |  | $ | 733,188 |  |  | $ | — |  |  | $ | 5,802,692 |
Residential real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 2,573 |  |  | $ | 11,110 |  |  | $ | 14,660 |  |  | $ | 12,060 |  |  | $ | 7,379 |  |  | $ | 105,969 |  |  | $ | 131,018 |  |  | $ | — |  |  | $ | 284,769 |
Non-performing | — |  |  | — |  |  | 98 |  |  | 906 |  |  | 780 |  |  | 4,785 |  |  | 2,467 |  |  | — |  |  | 9,036 |
Total residential real estate loans | $ | 2,573 |  |  | $ | 11,110 |  |  | $ | 14,758 |  |  | $ | 12,966 |  |  | $ | 8,159 |  |  | $ | 110,754 |  |  | $ | 133,485 |  |  | $ | — |  |  | $ | 293,805 |
Manufactured housing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | — |  |  | $ | — |  |  | $ | 300 |  |  | $ | 443 |  |  | $ | 77 |  |  | $ | 54,394 |  |  | $ | — |  |  | $ | — |  |  | $ | 55,214 |
Non-performing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,763 |  |  | — |  |  | — |  |  | 4,763 |
Total manufactured housing loans | $ | — |  |  | $ | — |  |  | $ | 300 |  |  | $ | 443 |  |  | $ | 77 |  |  | $ | 59,157 |  |  | $ | — |  |  | $ | — |  |  | $ | 59,977 |
Installment loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 204,365 |  |  | $ | 476,856 |  |  | $ | 599,887 |  |  | $ | 91,009 |  |  | $ | 3,633 |  |  | $ | 1,249 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,376,999 |
Non-performing | — |  |  | 341 |  |  | 2,117 |  |  | 437 |  |  | 33 |  |  | 88 |  |  | — |  |  | — |  |  | 3,016 |
Total installment loans | $ | 204,365 |  |  | $ | 477,197 |  |  | $ | 602,004 |  |  | $ | 91,446 |  |  | $ | 3,666 |  |  | $ | 1,337 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,380,015 |
Total consumer loans | $ | 206,938 |  |  | $ | 488,307 |  |  | $ | 617,062 |  |  | $ | 104,855 |  |  | $ | 11,902 |  |  | $ | 171,248 |  |  | $ | 133,485 |  |  | $ | — |  |  | $ | 1,733,797 |
Loans and leases receivable | $ | 634,369 |  |  | $ | 1,385,869 |  |  | $ | 1,373,910 |  |  | $ | 738,407 |  |  | $ | 930,852 |  |  | $ | 1,606,409 |  |  | $ | 866,673 |  |  | $ | — |  |  | $ | 7,536,489 |
| Term Loans Amortized Cost Basis by Origination Year as of December 31, 2020 |  |  |  |  |  |
(amounts in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Multi-family loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 150,835 |  |  | $ | 23,716 |  |  | $ | 299,319 |  |  | $ | 535,510 |  |  | $ | 227,296 |  |  | $ | 420,809 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,657,485 |
Special mention | — |  |  | — |  |  | — |  |  | 20,901 |  |  | 10,394 |  |  | 26,708 |  |  | — |  |  | — |  |  | 58,003 |
Substandard | — |  |  | — |  |  | — |  |  | 34,197 |  |  | 8,256 |  |  | 3,360 |  |  | — |  |  | — |  |  | 45,813 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multi-family loans | $ | 150,835 |  |  | $ | 23,716 |  |  | $ | 299,319 |  |  | $ | 590,608 |  |  | $ | 245,946 |  |  | $ | 450,877 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,761,301 |
Commercial and industrial loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 729,270 |  |  | $ | 373,050 |  |  | $ | 141,943 |  |  | $ | 116,793 |  |  | $ | 45,367 |  |  | $ | 71,502 |  |  | $ | 717,007 |  |  | $ | — |  |  | $ | 2,194,932 |
Special mention | 13,200 |  |  | 1,117 |  |  | 436 |  |  | 113 |  |  | 516 |  |  | 21 |  |  | 17,524 |  |  | — |  |  | 32,927 |
Substandard | 9,968 |  |  | 6,890 |  |  | 19,065 |  |  | 5,901 |  |  | 8,318 |  |  | 2,722 |  |  | 8,718 |  |  | — |  |  | 61,582 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans and leases | $ | 752,438 |  |  | $ | 381,057 |  |  | $ | 161,444 |  |  | $ | 122,807 |  |  | $ | 54,201 |  |  | $ | 74,245 |  |  | $ | 743,249 |  |  | $ | — |  |  | $ | 2,289,441 |
Commercial real estate owner occupied loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 82,343 |  |  | $ | 168,977 |  |  | $ | 72,615 |  |  | $ | 70,642 |  |  | $ | 46,510 |  |  | $ | 91,798 |  |  | $ | 741 |  |  | $ | — |  |  | $ | 533,626 |
Special mention | — |  |  | 4,464 |  |  | — |  |  | 9,056 |  |  | — |  |  | 555 |  |  | — |  |  | — |  |  | 14,075 |
Substandard | — |  |  | 2,848 |  |  | 9,499 |  |  | 342 |  |  | 2,231 |  |  | 9,717 |  |  | — |  |  | — |  |  | 24,637 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate owner occupied loans | $ | 82,343 |  |  | $ | 176,289 |  |  | $ | 82,114 |  |  | $ | 80,040 |  |  | $ | 48,741 |  |  | $ | 102,070 |  |  | $ | 741 |  |  | $ | — |  |  | $ | 572,338 |
Commercial real estate non-owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 143,231 |  |  | $ | 105,430 |  |  | $ | 97,882 |  |  | $ | 157,835 |  |  | $ | 155,168 |  |  | $ | 313,559 |  |  | $ | — |  |  | $ | — |  |  | $ | 973,105 |
Special mention | 39,994 |  |  | — |  |  | — |  |  | 66,745 |  |  | 24,218 |  |  | 14,613 |  |  | — |  |  | — |  |  | 145,570 |
Substandard | — |  |  | — |  |  | 17,741 |  |  | 20,611 |  |  | 366 |  |  | 39,171 |  |  | — |  |  | — |  |  | 77,889 |
Doubtful | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate non-owner occupied loans | $ | 183,225 |  |  | $ | 105,430 |  |  | $ | 115,623 |  |  | $ | 245,191 |  |  | $ | 179,752 |  |  | $ | 367,343 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,196,564 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 19,932 |  |  | $ | 105,466 |  |  | $ | 4,954 |  |  | $ | — |  |  | $ | 9,700 |  |  | $ | — |  |  | $ | 853 |  |  | $ | — |  |  | $ | 140,905 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | $ | 19,932 |  |  | $ | 105,466 |  |  | $ | 4,954 |  |  | $ | — |  |  | $ | 9,700 |  |  | $ | — |  |  | $ | 853 |  |  | $ | — |  |  | $ | 140,905 |
Total commercial loans and leases receivable | $ | 1,188,773 |  |  | $ | 791,958 |  |  | $ | 663,454 |  |  | $ | 1,038,646 |  |  | $ | 538,340 |  |  | $ | 994,535 |  |  | $ | 744,843 |  |  | $ | — |  |  | $ | 5,960,549 |
Residential real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 6,708 |  |  | $ | 13,617 |  |  | $ | 6,810 |  |  | $ | 10,850 |  |  | $ | 38,143 |  |  | $ | 69,496 |  |  | $ | 161,576 |  |  | $ | — |  |  | $ | 307,200 |
Non-performing | — |  |  | — |  |  | 160 |  |  | 785 |  |  | 1,350 |  |  | 4,395 |  |  | 3,280 |  |  | — |  |  | 9,970 |
Total residential real estate loans | $ | 6,708 |  |  | $ | 13,617 |  |  | $ | 6,970 |  |  | $ | 11,635 |  |  | $ | 39,493 |  |  | $ | 73,891 |  |  | $ | 164,856 |  |  | $ | — |  |  | $ | 317,170 |
Manufactured housing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | — |  |  | $ | 295 |  |  | $ | 609 |  |  | $ | 76 |  |  | $ | 41 |  |  | $ | 56,837 |  |  | $ | — |  |  | $ | — |  |  | $ | 57,858 |
Non-performing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,385 |  |  | — |  |  | — |  |  | 4,385 |
Total manufactured housing loans | $ | — |  |  | $ | 295 |  |  | $ | 609 |  |  | $ | 76 |  |  | $ | 41 |  |  | $ | 61,222 |  |  | $ | — |  |  | $ | — |  |  | $ | 62,243 |
Installment loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 319,453 |  |  | $ | 791,235 |  |  | $ | 114,988 |  |  | $ | 4,736 |  |  | $ | 514 |  |  | $ | 1,204 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,232,130 |
Non-performing | 305 |  |  | 2,326 |  |  | 485 |  |  | 41 |  |  | 2 |  |  | 117 |  |  | — |  |  | — |  |  | 3,276 |
Total installment loans | $ | 319,758 |  |  | $ | 793,561 |  |  | $ | 115,473 |  |  | $ | 4,777 |  |  | $ | 516 |  |  | $ | 1,321 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,235,406 |
Total consumer loans | $ | 326,466 |  |  | $ | 807,473 |  |  | $ | 123,052 |  |  | $ | 16,488 |  |  | $ | 40,050 |  |  | $ | 136,434 |  |  | $ | 164,856 |  |  | $ | — |  |  | $ | 1,614,819 |
Loans and leases receivable | $ | 1,515,239 |  |  | $ | 1,599,431 |  |  | $ | 786,506 |  |  | $ | 1,055,134 |  |  | $ | 578,390 |  |  | $ | 1,130,969 |  |  | $ | 909,699 |  |  | $ | — |  |  | $ | 7,575,368 |
Schedule of Loan Purchases and Sales | Purchases and sales of loans were as follows for the three months ended March 31, 2021 and 2020:
| Three Months Ended March 31, |  |
(amounts in thousands) | 2021 |  | 2020 |  |  |  |
Purchases (1) |  |  |  |  |  |  |
Residential real estate | $ | — |  |  | $ | 495 |  |  |  |  |
Installment (2) | 115,849 |  |  | 191,761 |  |  |  |  |
Total | $ | 115,849 |  |  | $ | 192,256 |  |  |  |  |
Sales (3) |  |  |  |  |  |  |
Commercial and industrial | $ | 18,931 |  |  | $ | — |  |  |  |  |
Commercial real estate owner occupied | 2,237 |  |  | — |  |  |  |  |
Commercial real estate non-owner occupied | 18,366 |  |  | — |  |  |  |  |
Installment | — |  |  | 1,822 |  |  |  |  |
Total | $ | 39,534 |  |  | $ | 1,822 |  |  |  |  |
(1)Amounts reported in the above table are the unpaid principal balance at time of purchase. The purchase price was 101.0% and 100.6% of loans outstanding for the three months ended March 31, 2021 and 2020, respectively. (2)Installment loan purchases for the three months ended March 31, 2021 and 2020 consist of third-party originated unsecured consumer loans. None of the loans are considered sub-prime at the time of origination. Customers considers sub-prime borrowers to be those with FICO scores below 660. (3)Amounts reported in the above table are the unpaid principal balance at time of sale. For the quarters ended March 31, 2021 and 2020, loan sales resulted in net gains of $1.6 million and $11 thousand, respectively.

X
- Definition Tabular disclosure of loans covered under loss sharing agreements with the FDIC and noncovered loans receivable. + References No definition available. + Details
Name: | cubi_ScheduleOfCoveredAndNoncoveredLoansReceivableTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Loan Purchases and Sales [Table Text Block] + References No definition available. + Details
Name: | cubi_ScheduleofLoanPurchasesandSalesTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary Of Loans And Leases Modified In Troubled Debt Restructurings By Concession + References No definition available. + Details
Name: | cubi_SummaryOfLoansAndLeasesModifiedInTroubledDebtRestructuringsByConcessionTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary of Loans Modified in Troubled Debt Restructurings and Related Recorded Investment Within Twelve Months + References No definition available. + Details
Name: | cubi_SummaryOfLoansModifiedInTroubledDebtRestructuringsAndRelatedRecordedInvestmentWithinTwelveMonthsTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration