Customers Bancorp is the holding company for Customers Bank, a roughly $25B asset commercial bank based in Pennsylvania. Customers Bank's core business is commercial lending and deposit gathering, targeting small and mid-sized businesses, professional services firms, and specialized corporate clients across the Northeast, Mid-Atlantic, and select national markets. The bank operates on a "branch-light" model — just seven branches — relying instead on a single-point-of-contact private banking approach where each client has a dedicated relationship manager. Customers earns primarily through net interest income, and has actively remixed its deposit base away from expensive brokered CDs toward lower-cost relationship deposits, growing noninterest-bearing deposits from roughly 10% to ~31% of total deposits over three years. The loan portfolio is ~91.5% commercial, spanning C&I, fund finance, venture banking, healthcare, mortgage warehouse, commercial real estate, multifamily, and equipment finance. A key differentiator is cubiX, a proprietary B2B instant payments platform processing over $2T in annual volume, primarily for digital asset clients including crypto exchanges, stablecoin providers, and market makers. These clients hold ~$3.9B in noninterest-bearing operating deposits at Customers Bank, providing extremely low-cost funding. Growth is driven primarily by recruiting commercial banking teams from larger institutions — over 17 teams since mid-2023 — who bring existing client relationships, with management viewing this as more efficient than bank acquisitions.