BlastPoint's Banking Scorecard
Cathay Bank
Designations: ✓ Minority Depository Institution
Los Angeles, CA
65 branches across CA · NY · WA · IL · TX · MA · MD · NJ · NV
Cathay Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Efficiency Ratio 14.33% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.6% in tier
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.0B
+3.6% YoY
-0.7% QoQ
|
-$22.9B |
$47.0B
-1.9% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$20.0B
+4.0% YoY
+0.1% QoQ
|
-$9.4B |
$29.4B
-0.4% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$20.7B
+4.3% YoY
-1.0% QoQ
|
-$17.7B |
$38.4B
-1.6% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.53%
+18.3% YoY
+10.5% QoQ
|
+0.25% |
1.28%
+18.7% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.44%
+4.6% YoY
+2.1% QoQ
|
-0.33% |
3.77%
+5.8% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
39.68%
-9.2% YoY
-7.7% QoQ
|
-14.33% |
54.01%
-3.7% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 13.1% in tier |
| Delinquency Rate ? |
0.47%
-45.6% YoY
-16.7% QoQ
|
-0.54% |
1.02%
-3.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
96.46%
-0.3% YoY
+1.1% QoQ
|
+15.67% |
80.79%
+1.9% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.53%
-3.0% YoY
-1.9% QoQ
|
-3.51% |
20.04%
+0.2% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.53%
-33.4% YoY
-10.3% QoQ
|
-0.19% |
0.72%
+4.2% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
13.91%
-0.9% YoY
+1.3% QoQ
|
-1.61% |
15.51%
-0.4% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.08%
+13.9% YoY
-73.9% QoQ
|
-0.15% |
0.22%
+0.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.