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Cathay Bank

$10B-$250B Specialty: Commercial CA FDIC cert 18503

Designations: ✓ Minority Depository Institution

Los Angeles, CA

65 branches across CA · NY · WA · IL · TX · MA · MD · NJ · NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
  • Deposits +5.4% year over year ($21.1B on the books).
  • Delinquency rate 0.55%.
  • Return on assets 1.55%.
  • Efficiency ratio 40.18% vs a 53.67% peer average.
  • Loan-to-deposit ratio 96.59% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in CA
View $10B-$250B leaderboard (CA) →

Cathay Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.16% above tier average
  • + Efficiency Ratio 13.49% below tier average
  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 30.0% in tier
  • - Net Interest Margin 0.44% below tier average
Get updates when Cathay Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $24.6B
+3.9% YoY +2.5% QoQ
-$19.0B $43.6B
-13.8% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $20.4B
+3.9% YoY +2.1% QoQ
-$7.6B $28.0B
-8.6% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $21.1B
+5.4% YoY +2.0% QoQ
-$14.3B $35.4B
-14.0% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 1.55%
+15.1% YoY +1.1% QoQ
+0.16% 1.39%
+25.9% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 3.48%
+5.3% YoY +1.1% QoQ
-0.44% 3.92%
+8.9% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 40.18%
-8.0% YoY +1.3% QoQ
-13.49% 53.67%
-1.9% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 12.2% in tier
Delinquency Rate ? 0.55%
-43.3% YoY +15.7% QoQ
-0.47% 1.01%
-2.8% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 96.59%
-1.4% YoY +0.1% QoQ
+13.98% 82.61%
+3.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ? 17.15%
+0.9% YoY +3.7% QoQ
-3.43% 20.58%
+4.9% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.59%
-32.9% YoY +10.8% QoQ
-0.14% 0.73%
+5.8% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 13.98%
+1.3% YoY +0.5% QoQ
-1.37% 15.35%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.16%
+13.1% YoY +107.0% QoQ
-0.34% 0.50%
+10.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
19%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 17.1%
+0.2pp YoY
+0.6pp QoQ
 -3.9pp 21.0% 25.5% 22.2% 28%
Brokered Deposits 8.5%
+1.9pp YoY
+1.2pp QoQ
 -0.7pp 9.2% 11.0% 8.5% 66%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 15.2%
+0.9pp YoY
+0.5pp QoQ
 -2.0pp 17.2% 11.8% 12.5% 48%
CRE 48.5%
+0.4pp YoY
-0.4pp QoQ
 +6.5pp 42.0% 67.5% 41.4% 62%
1-4 Family 34.7%
-0.8pp YoY
-0.3pp QoQ
 +11.6pp 23.1% 16.5% 31.3% 82%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -12.9pp 12.9% 5.3% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 14.0%
+0.2pp YoY
+0.1pp QoQ
 -1.3pp 15.3% 23.7% 19.7% 66%
Leverage Ratio 11.5%
+0.1pp YoY
0.0pp QoQ
 +1.1pp 10.4% 14.5% 12.6% 83%
Total Capital Ratio 15.2%
+0.4pp YoY
+0.1pp QoQ
 -1.4pp 16.5% 25.1% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 1,300
+35 (+2.8%) YoY
+12 (+0.9%) QoQ
 -1,958 3,258 337 482 29%
Assets per Employee ($) $19.0M
+1.1% YoY
+1.6% QoQ
 -$8.1M $27.0M $11.3M $8.8M 74%
Branch Count 65
0 YoY
0 QoQ
 -73 137 15 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.3% 0.4% n/a
Nonaccrual 0.5%
-0.4pp YoY
+0.1pp QoQ
 -0.2pp 0.7% 1.4% 1.0% 44%
Allowance Coverage 1.96x
+113.9% YoY
-11.3% QoQ
 -0.85x 2.81x 17.11x 20.23x 58%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.3% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 12.3%
+1.6pp YoY
+0.1pp QoQ
 -0.4pp 12.6% 8.2% 11.6% 61%
Cost of Funds (YTD) 2.2%
-0.4pp YoY
0.0pp QoQ
 +0.2pp 2.0% 1.9% 1.7% 64%
Net Income ($, YTD) $187.7M
+20.0% YoY
— QoQ
 -$109.1M $296.8M $28.5M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#13 of 40 • Bottom 30.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.59%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

18
Efficiency Ratio
profitability
Value: 40.18%
Peer Median: 53.67%
#18 of 139 Top 12.2% in $10B-$250B

Top Weaknesses (2 metrics)

120
Loan-to-Deposit Ratio
liquidity
Value: 96.59%
Peer Median: 82.61%
#120 of 139 Bottom 14.4% in $10B-$250B
114
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.50%
#114 of 139 Bottom 18.7% in $10B-$250B
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