Financial insights of CUBI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans and leases	1,024,760
Investment securities	139,790
Interest earning deposits	177,387
Loans held for sale	9,588
Other	8,062
Interest income	1,359,587
Deposits	539,133
Fhlb advances	51,953
Frb advances	0
Subordinated debt	13,047
Other borrowings	4,965
Total interest expense	609,098
Net interest income	750,489
Provision for credit losses	97,958
Net interest income after provision for credit losses	652,531
Commercial lease income	47,446
Loan fees	35,204
Bank-owned life insurance	11,263
Mortgage finance transactional fees	4,745
Net gain (loss) on sale of loans and leases	-60
Loss on sale of capital call lines of credit	0
Net gain (loss) on sale of investment securities	-1,638
Impairment loss on debt securities	-51,319
Unrealized gain on equity method investments	0
Other	22,182
Total non-interest income	67,823
Salaries and employee benefits	188,989
Technology, communication and bank operations	43,497
Commercial lease depreciation	38,337
Professional services	50,378
Loan servicing	16,900
Occupancy	15,624
Fdic assessments, non-income taxes, and regulatory fees	41,184
Advertising and promotion	2,437
Legal settlement expense	0
Other	34,577
Total non-interest expense	431,923
Income before income tax expense	288,431
Income tax expense	64,343
Net income	224,088
Preferred stock dividends	10,198
Loss on redemption of preferred stock	4,707
Net income available to common shareholders	209,183

Basic EPS	6.46
Diluted EPS	6.26
Basic Average Shares	32,393,487
Diluted Average Shares	33,438,296