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 set forth in the following table:


					Minimum Capital Levels to be Classified as:
	Actual				Adequately Capitalized				Well Capitalized				Basel III Compliant
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2023:
Common equity Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,661,149	12.230	%	$	611,200	4.500	%	N/A		N/A		$	950,755	7.000	%
Customers Bank	$	1,868,360	13.773	%	$	610,453	4.500	%	$	881,765	6.500	%	$	949,594	7.000	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,798,942	13.245	%	$	814,933	6.000	%	N/A		N/A		$	1,154,489	8.500	%
Customers Bank	$	1,868,360	13.773	%	$	813,937	6.000	%	$	1,085,250	8.000	%	$	1,153,078	8.500	%
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	2,076,550	15.289	%	$	1,086,578	8.000	%	N/A		N/A		$	1,426,133	10.500	%
Customers Bank	$	2,073,202	15.283	%	$	1,085,250	8.000	%	$	1,356,562	10.000	%	$	1,424,390	10.500	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	1,798,942	8.375	%	$	859,189	4.000	%	N/A		N/A		$	859,189	4.000	%
Customers Bank	$	1,868,360	8.708	%	$	858,225	4.000	%	$	1,072,782	5.000	%	$	858,225	4.000	%
As of December 31, 2022:
Common equity Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,470,837	9.637	%	$	686,838	4.500	%	N/A		N/A		$	1,068,415	7.000	%
Customers Bank	$	1,708,598	11.213	%	$	685,694	4.500	%	$	990,447	6.500	%	$	1,066,636	7.000	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,608,630	10.539	%	$	915,784	6.000	%	N/A		N/A		$	1,297,361	8.500	%
Customers Bank	$	1,708,598	11.213	%	$	914,259	6.000	%	$	1,219,012	8.000	%	$	1,295,201	8.500	%
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	1,862,089	12.200	%	$	1,221,045	8.000	%	N/A		N/A		$	1,602,622	10.500	%
Customers Bank	$	1,889,472	12.400	%	$	1,219,012	8.000	%	$	1,523,765	10.000	%	$	1,599,954	10.500	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	1,608,630	7.664	%	$	839,547	4.000	%	N/A		N/A		$	839,547	4.000	%
Customers Bank	$	1,708,598	8.150	%	$	838,611	4.000	%	$	1,048,264	5.000	%	$	838,611	4.000	%