Regulatory Capital (Tables)

3 Months Ended

Mar. 31, 2021

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 March 31, 2021:
Common equity Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,021,018	8.774	%	$	523,659	4.500	%	N/A		N/A		$	814,581	7.000	%
Customers Bank	$	1,365,443	11.745	%	$	523,182	4.500	%	$	755,708	6.500	%	$	813,839	7.000	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,238,489	10.643	%	$	698,212	6.000	%	N/A		N/A		$	989,134	8.500	%
Customers Bank	$	1,365,443	11.745	%	$	697,576	6.000	%	$	930,102	8.000	%	$	988,233	8.500	%
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,447,285	12.437	%	$	930,949	8.000	%	N/A		N/A		$	1,221,871	10.500	%
Customers Bank	$	1,523,681	13.106	%	$	930,102	8.000	%	$	1,162,627	10.000	%	$	1,220,758	10.500	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	1,238,489	8.478	%	$	584,359	4.000	%	N/A		N/A		$	584,359	4.000	%
Customers Bank	$	1,365,443	9.352	%	$	584,025	4.000	%	$	730,031	5.000	%	$	584,025	4.000	%
As of December 31, 2020:
Common equity Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	954,839	8.079	%	$	531,844	4.500	%	N/A		N/A		$	827,312	7.000	%
Customers Bank	$	1,254,082	10.615	%	$	531,639	4.500	%	$	767,923	6.500	%	$	826,994	7.000	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,172,310	9.919	%	$	709,125	6.000	%	N/A		N/A		$	1,004,594	8.500	%
Customers Bank	$	1,254,082	10.615	%	$	708,852	6.000	%	$	945,136	8.000	%	$	1,004,207	8.500	%
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,401,119	11.855	%	$	945,500	8.000	%	N/A		N/A		$	1,240,969	10.500	%
Customers Bank	$	1,424,791	12.060	%	$	945,136	8.000	%	$	1,181,421	10.000	%	$	1,240,492	10.500	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	1,172,310	8.597	%	$	545,485	4.000	%	N/A		N/A		$	545,485	4.000	%
Customers Bank	$	1,254,082	9.208	%	$	544,758	4.000	%	$	680,947	5.000	%	$	544,758	4.000	%