Customers Bancorp ratings affirmed as KBRA lifts outlook to positive
A December 2025 ratings action signals improved credit momentum for Customers Bancorp and its banking subsidiary after KBRA maintained multiple debt and deposit ratings. The outlook change to Positive from Stable applies to all long-term ratings and points to stronger expectations for the West Reading, Pennsylvania-based group.
Highlights
- KBRA on December 9, 2025 affirmed Customers Bancorp, Inc.'s senior unsecured debt at BBB, subordinated debt at BBB-, and short-term debt at K3.
- KBRA affirmed all major ratings for Customers Bank subsidiary—including deposit and senior unsecured at BBB+—while upgrading the outlook to Positive from Stable.
- The Positive outlook revision indicates improved longer-term credit conditions for Customers Bancorp and subsidiary, even as current ratings remain unchanged.
December 2025 rating action
As reported by Kroll Bond Rating Agency, KBRA on December 9, 2025 affirmed the senior unsecured debt rating of BBB, the subordinated debt rating of BBB-, and the short-term debt rating of K3 for Customers Bancorp, Inc. The company is based in West Reading, Pennsylvania and trades on the NYSE under the ticker CUBI.KBRA also affirmed ratings for subsidiary Customers Bank, including deposit and senior unsecured debt ratings of BBB+, a subordinated debt rating of BBB, and short-term deposit and debt ratings of K2. At the same time, the agency revised the outlook for all long-term ratings to Positive from Stable.
Implications for the banking group
The rating affirmations indicate that KBRA keeps its existing view of the group’s credit profile across both the parent company and the bank subsidiary. The outlook revision suggests a more favorable assessment of longer-term credit conditions, even as the current ratings remain unchanged.For investors and funding markets, the action matters because it covers senior unsecured debt, subordinated debt, deposits, and short-term obligations across key parts of the organization. The decision also highlights the continued relevance of external credit assessments for regional banking institutions in the U.S.
Our earlier coverage of Unity Trust Bank’s investment-grade rating affirmation explained how its specialist UK business-banking model supports capital generation and stable, deposit-based funding. It also outlined the key factors rating agencies focus on—asset-quality trends and earnings sensitivity to interest-rate changes—while noting expectations for profitability to remain resilient despite shifting policy rates and funding costs.
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