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Cathay Bank

Los Angeles, CA · Cert 18503 · Cathay General Bcorp

State charter, non-member · FDIC · 62 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cathay Bank

Los Angeles, CA · Cert 18503 · Cathay General Bcorp

State charter, non-member · FDIC · 62 branches

Q2 2026

$24.6BAssets
$20.6BLoans
$20.9BDeposits
$3.1BEquity
Loan mix
85%RE $17.0B15%C&I $2.9B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $17.3B17%Noninterest $3.6BQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.8% share · #10 of 107 inst. · $12.2B of $667.8B

3.1% Los Angeles
1.6% Orange
0.3% Cook
0.6% Santa Clara

Executive Summary

  • Earnings: ROA of 1.55%, up 20 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.54% of loans (-41 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.52%, up 6 bps from a year ago.
  • Funding: loans stand at 98.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.55%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+19 bps YoY

Efficiency Ratio (YTD, annualized)

40.18%-351 bps YoY

Tier 1 Leverage Ratio

11.52%+6 bps YoY

NIM

5.69%Q2 ’245.49%Q2 ’255.36%Q2 ’26+7%+6%

Non-interest income vs. expense

1.61%Q2 ’241.48%Q2 ’251.45%Q2 ’26-13%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.30%1.29%1.34%1.33%1.38%1.53%1.55%+20 bps
Return on Equity10.17%10.54%10.21%10.65%10.58%11.03%12.12%12.26%+161 bps
Net Interest Margin2.90%2.92%3.08%3.09%3.09%3.11%3.26%3.28%+19 bps
Efficiency Ratio51.44%49.66%43.69%43.69%43.16%43.01%39.68%40.18%-351 bps
Non-Interest Burden1.37%1.32%1.20%1.20%1.17%1.18%1.11%1.13%-7 bps
Growth
Asset Growth (YoY)1.88%-0.09%-0.84%2.12%3.47%5.11%3.65%3.93%+181 bps
Loan Growth (YoY)1.74%-0.92%-0.62%2.15%3.69%3.94%4.19%4.14%+198 bps
Deposit Growth (YoY)1.33%2.09%-0.44%0.87%2.72%5.70%4.21%5.40%+453 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.89%0.86%0.96%0.82%0.56%0.47%0.54%-41 bps
Net Charge-Offs / Loans0.09%0.15%0.04%0.15%0.20%0.18%0.04%0.04%-11 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.10%11.20%11.44%11.45%11.28%11.28%11.52%11.52%+6 bps
Total Risk-Based Capital14.59%14.76%15.03%14.75%14.63%14.79%15.05%15.16%+41 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits98.14%99.19%98.69%100.00%99.07%97.54%98.67%98.80%-120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cathay Bank

Los Angeles, CA · Cert 18503 · Peer group: banks over $10B in assets (n=142-144) · Cathay General Bcorp

State charter, non-member · FDIC · 62 branches

Q2 2026

$24.6BAssets
$20.6BLoans
$20.9BDeposits
$3.1BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 86% of banks over $10B in assets (rank 21 of 144).
  • Widest gap: net interest margin trails 51% of banks over $10B in assets (rank 74 of 144).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.52%

Rank 40 of 144

Net Interest Margin

3.28%

Rank 74 of 144

Efficiency Ratio

40.28%

Rank 21 of 144

Equity / Assets

12.58%

Rank 44 of 144

Non-interest income vs. expense

$77.3M$352.7MINCOMEEXPENSE
Unfavorable gap of $275.4M · efficiency ratio beats 86% of banks over $10B in assets
Bank 40.28%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.52%1.00%1.26%1.54%Beats 72%40 / 144
Return on Equity12.11%8.98%11.34%14.40%Beats 56%63 / 144
Net Interest Margin3.28%2.82%3.31%3.68%Beats 49%74 / 144
Efficiency Ratio40.28%49.42%56.02%62.41%Beats 86%21 / 144
Asset Quality
Nonperforming Loans / Loans0.54%0.48%0.73%1.07%Beats 68%47 / 142
Net Charge-Offs / Loans0.06%0.05%0.11%0.22%Beats 70%44 / 142
Capital
Tier 1 Capital Ratio13.98%12.07%12.98%14.92%Beats 64%52 / 144
Total Risk-Based Capital Ratio15.16%13.39%14.14%16.25%Beats 65%51 / 144
Equity / Assets12.58%9.69%11.39%12.96%Beats 69%44 / 144
Liquidity & Funding
Loans / Deposits98.80%75.72%84.92%91.56%88th pctl17 / 143
Loans / Assets83.65%59.83%69.07%74.80%96th pctl6 / 144
Brokered Deposits / Depositsn/aNot reported for this institution