<SEC-DOCUMENT>0000000000-22-010493.txt : 20230519
<SEC-HEADER>0000000000-22-010493.hdr.sgml : 20230519
<ACCEPTANCE-DATETIME>20220923083003
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-22-010493
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20220923

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Customers Bancorp, Inc.
		CENTRAL INDEX KEY:			0001488813
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				272290659
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		701 READING AVENUE
		CITY:			WEST READING
		STATE:			PA
		ZIP:			19611
		BUSINESS PHONE:		484-359-7113

	MAIL ADDRESS:	
		STREET 1:		701 READING AVENUE
		CITY:			WEST READING
		STATE:			PA
		ZIP:			19611

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Customers 1st Bancorp, Inc.
		DATE OF NAME CHANGE:	20100408
PUBLIC REFERENCE ACCESSION NUMBER:		0001488813-22-000018
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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United States securities and exchange commission logo





                             September 23, 2022

       Carla A. Leibold
       Chief Financial Officer
       Customers Bancorp, Inc.
       701 Reading Avenue
       West Reading, PA 19611

                                                        Re: Customers Bancorp,
Inc.
                                                            Form 10-K for the
Fiscal Year Ended December 31, 2021
                                                            Form 10-Q for the
Quarterly Period Ended June 30, 2022
                                                            File No. 001-35542

       Dear Ms. Leibold:

              We have limited our review of your filing to the financial
statements and related
       disclosures and have the following comments. In some of our comments, we
may ask you to
       provide us with information so we may better understand your disclosure.

              Please respond to these comments within ten business days by
providing the requested
       information or advise us as soon as possible when you will respond. If
you do not believe our
       comments apply to your facts and circumstances, please tell us why in
your response.

                                                        After reviewing your
response to these comments, we may have additional comments.

       Form 10-K for the Fiscal Year Ended December 31, 2021

       Item 1. Business, page 8

   1.                                                   We note that Customers
Bank (the "Company") launched the Customers Bank Instant
                                                        Token ("CBIT") in
October 2021 on the TassatPay blockchain based payments platform.
                                                        Please tell us, and
consider the need to revise your disclosures in future filings for, the
                                                        items below.
                                                            Describe the rights
and benefits conveyed to holders of CBIT, as well as any rights
                                                            and obligations the
Company has towards those holders. For example, tell us whether
                                                            holders of CBIT
receive any yield or interest on their tokens.
                                                            Explain the roles
and responsibilities of the Company and of TassatPay under the
                                                            arrangement. For
example, describe how CBIT is held, who controls the asset, who is
                                                            responsible for
safeguarding the assets, and who holds cryptographic or private key
                                                            information.
                                                            Describe the terms
of any fee arrangements between the Company and TassatPay or
 Carla A. Leibold
FirstName
Customers LastNameCarla
           Bancorp, Inc. A. Leibold
Comapany 23,
September  NameCustomers
               2022        Bancorp, Inc.
September
Page 2     23, 2022 Page 2
FirstName LastName
              the Company and users associated with the issuance, payment,
holding, or
              redemption of CBIT.
                Where applicable, tell us how the fee arrangements and any
other revenue related to
              CBIT are reflected in your financial statements and how you
account for them, and
              quantify any amounts, as appropriate.
2.       In addition to the comment above, please address the items below.
             Tell us, in detail, the transactional process for minting,
issuing, making payments,
             redeeming / burning, and converting CBIT back to dollar form. In
addition, clarify
             what happens to the dollars in a client   s deposit account when
they are exchanged
             into CBIT.
             As it relates to the above activities, tell us how each of these
activities are reflected in
             your financial statements. For example, specify any assets or
liabilities that you
             recognize relating to CBIT (e.g., deposits, digital assets,
segregated cash, etc.) and
             how you account for each of them. Include references to specific
accounting guidance
             you relied upon to support your conclusions.
             Clarify for us whether there would be any scenarios in which the
transaction or
             redemption value of one CBIT would not be one U.S. dollar. If so,
provide additional
             detail including how pricing or value of CBIT would be determined
and / or
             maintained.
3.       We note that you held $1.9 billion of deposits from customers
participating in CBIT as of
         December 31, 2021, and that this amount increased to $2.1 billion as
of June 30, 2022.
         Please address the items below.
             Clarify if this means that there are also 1.9 billion and 2.1
billion tokens outstanding
             as of December 31, 2021 and June 30, 2022, respectively. If not,
then tell us how
             many tokens are outstanding at the end of each period.
             Tell us how you classify cash received as deposits for CBIT
participants and describe
             any restrictions related to your usage of these deposits. Include
in your response a
             discussion of how you currently use such deposits, including
reference to any asset
             liability management or liquidity considerations.
             We note that the Company's balance of cash and equivalents is
below that of your
             CBIT-related deposits. Explain what would occur if clients made
withdrawals in
             excess of those balances at one time. In addition, tell us the
extent to which such
             deposits are insured by the FDIC or another entity.
             Please explain where the deposit dollars are held (e.g., in
Company checking
             accounts, an omnibus wallet on TassatPay, or some other
arrangement).
Form 10-Q for the Quarterly Period Ended June 30, 2022

Notes to Consolidated Unaudited Financial Statements
Note 8 - Loans and Leases Receivable and Allowance for Credit Losses on Loans
and Leases,
page 23

4.       We note that installment loans constituted about 15% of loans and
leases receivable and
 Carla A. Leibold
FirstName
Customers LastNameCarla
           Bancorp, Inc. A. Leibold
Comapany 23,
September  NameCustomers
               2022        Bancorp, Inc.
September
Page 3     23, 2022 Page 3
FirstName LastName
         25% of total nonaccrual loans as of June 30, 2022, as well as a
significant portion of
         provision for credit losses and charge offs for the three and six
months ended June 30,
         2022. We also note your disclosure on page 72 that such loans largely
consist of personal,
         student loan refinancing, and home improvement loans. Please provide
us with a table
         showing additional granularity regarding the balances and changes for
different types of
         installment loans for the periods presented, as well as a discussion
of period over period
         changes and drivers within this category, including reference to items
such as weighted
         average interest rates or fees, as applicable. In future filings, to
the extent that installment
         loans comprise a material portion of key metrics or measures, please
enhance your
         disclosures to provide (here or within MD&A, as appropriate) this same
level of
         granularity, so that investors can get a better sense of trends within
this loan category.
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Operations
New Accounting Pronouncements, page 50

5.       Please tell us, and revise your future filings to disclose, the
Company's consideration
         of and accounting adoption of Staff Accounting Bulletin No. 121 ("SAB
121"), including
         quantification of the impact upon adoption, as well as any applicable
disclosures required
         by SAB 121. As part of your response, provide us with your accounting
analysis
         explaining the Company's conclusions regarding applicability and
adoption, including but
         not limited to discussion of any scoping considerations; whether you
or an agent acting on
         your behalf has a safeguarding obligation or not; and who is
responsible in the event of a
         theft or breach of CBIT.
Technology, communication, and bank operations, page 65

6.       We note your reference to "investments in digital transformation."
Please tell us how you
         are defining digital transformation and what it means in this context,
including what type
         of investments you have made for the periods presented, quantification
of related costs,
         and how (if at all) business operations have been impacted or changed
as a result. To the
         extent that this is part of a broader strategy, also revise future
disclosures to provide
         context and specificity for your planned and executed    digital
transformation    activity and
         costs.
Total Loans and Leases Receivable, page 73

7.       We note that Commercial and industrial loans, including specialty
lending, grew from
         $3.4 billion at December 31, 2021 to $5.7 billion at June 30, 2022.
Please provide us with
         a table and accompanying narrative showing specific balances and
trends for material
         components of this category, such as significant specialty lending
activities, and
         explaining main growth drivers. Additionally, to the extent that such
significant shifts
         occur in future periods, enhance your disclosures in future periods to
provide similar
         granularity regarding what sectors or loan types are driving the
overall category trends, as
         well as any other key details, such as weighted average interest
rates, related income, or
         fees for such components, as applicable.
 Carla A. Leibold
Customers Bancorp, Inc.
September 23, 2022
Page 4

       In closing, we remind you that the company and its management are
responsible for the
accuracy and adequacy of their disclosures, notwithstanding any review,
comments, action or
absence of action by the staff.

       You may contact Marc Thomas at (202)551-3452 or Cara Lubit at
(202)551-5909 with
any questions.



FirstName LastNameCarla A. Leibold                        Sincerely,
Comapany NameCustomers Bancorp, Inc.
                                                          Division of
Corporation Finance
September 23, 2022 Page 4                                 Office of Finance
FirstName LastName
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
