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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	1.34%	1.33%	1.38%	1.53%	1.55%	+20 bps
Return on Equity	10.65%	10.58%	11.03%	12.12%	12.26%	+161 bps
Net Interest Margin	3.09%	3.09%	3.11%	3.26%	3.28%	+19 bps
Efficiency Ratio	43.69%	43.16%	43.01%	39.68%	40.18%	-351 bps
Non-Interest Burden	1.20%	1.17%	1.18%	1.11%	1.13%	-7 bps
Growth
Asset Growth (YoY)	2.12%	3.47%	5.11%	3.65%	3.93%	+181 bps
Loan Growth (YoY)	2.15%	3.69%	3.94%	4.19%	4.14%	+198 bps
Deposit Growth (YoY)	0.87%	2.72%	5.70%	4.21%	5.40%	+453 bps
Asset Quality
Nonperforming Loans / Loans	0.96%	0.82%	0.56%	0.47%	0.54%	-41 bps
Net Charge-Offs / Loans	0.15%	0.20%	0.18%	0.04%	0.04%	-11 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	11.45%	11.28%	11.28%	11.52%	11.52%	+6 bps
Total Risk-Based Capital	14.75%	14.63%	14.79%	15.05%	15.16%	+41 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	100.00%	99.07%	97.54%	98.67%	98.80%	-120 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a