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
Unfavorable gap of $275.4M · efficiency ratio beats 86% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 1.00% | 1.26% | 1.54% | Beats 72% | 40 / 144 | | |
| Return on Equity | 12.11% | 8.98% | 11.34% | 14.40% | Beats 56% | 63 / 144 | | |
| Net Interest Margin | 3.28% | 2.82% | 3.31% | 3.68% | Beats 49% | 74 / 144 | | |
| Efficiency Ratio | 40.28% | 49.42% | 56.02% | 62.41% | Beats 86% | 21 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.48% | 0.73% | 1.07% | Beats 68% | 47 / 142 | | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.11% | 0.22% | Beats 70% | 44 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 13.98% | 12.07% | 12.98% | 14.92% | Beats 64% | 52 / 144 | | |
| Total Risk-Based Capital Ratio | 15.16% | 13.39% | 14.14% | 16.25% | Beats 65% | 51 / 144 | | |
| Equity / Assets | 12.58% | 9.69% | 11.39% | 12.96% | Beats 69% | 44 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.80% | 75.72% | 84.92% | 91.56% | 88th pctl | 17 / 143 | | |
| Loans / Assets | 83.65% | 59.83% | 69.07% | 74.80% | 96th pctl | 6 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |