Cathay Bank
Total assets
$24.64B
▲ +3.9% YoY
Deposits
$21.12B
▲ +5.4% YoY
Loans
$20.39B
▲ +3.9% YoY
Offices
66
CATHAY GENERAL BCORP
ROA (annualized)
1.55%
peers 1.23%
ROE (annualized)
12.26%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Cathay Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.9% | -1.9 pts |
| Deposit growth (YoY) | +5.4% | +5.7% | -0.3 pts |
| Loan growth (YoY) | +3.9% | +6.9% | -3.0 pts |
| ROA | 1.55% | 1.23% | +0.3 pts |
| ROE | 12.3% | 11.2% | +1.0 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
Profile
- Established
- 1962
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CATHAY GENERAL BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 777 N Broadway, Los Angeles, CA, 90012
- County
- Los Angeles
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 66
- FDIC cert #
- 18503
- RSSD ID
- 595869
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.64B | $21.12B | $20.39B | $3.10B | $187.7M | 1.55% | 3.48% | 0.59% |
| Q1 2026 | $24.04B | $20.70B | $19.97B | $3.07B | $92.2M | 1.53% | 3.44% | 0.53% |
| Q4 2025 | $24.21B | $20.91B | $19.94B | $3.01B | $326.9M | 1.38% | 3.37% | 0.59% |
| Q3 2025 | $24.06B | $20.54B | $19.91B | $2.99B | $234.2M | 1.33% | 3.34% | 0.83% |
| Q2 2025 | $23.71B | $20.03B | $19.62B | $2.97B | $156.5M | 1.34% | 3.30% | 0.88% |
| Q1 2025 | $23.19B | $19.84B | $19.19B | $2.95B | $74.7M | 1.29% | 3.29% | 0.80% |
| Q4 2024 | $23.04B | $19.74B | $19.22B | $2.90B | $301.5M | 1.30% | 3.13% | 0.85% |
| Q3 2024 | $23.25B | $19.98B | $19.22B | $2.89B | $217.5M | 1.25% | 3.11% | 0.81% |
Loan mix (Q2 2026): real estate $17.20B · commercial $3.09B · consumer $1.9M · securities $1.69B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Cathay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.23% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 11.3% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.55% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.2% | 54.9% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Cathay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Cathay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Cathay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Cathay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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