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 1.57%, up 18 bps year over year; NIM at 3.34%.
Asset quality: problem loans at 0.54% of loans (-41 bps YoY), with net charge-offs at 0.04%.

Return on Assets (quarter, annualized)

1.57%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+21 bps YoY

Efficiency Ratio (quarter, annualized)

40.66%-303 bps YoY

Tier 1 Leverage Ratio

11.52%+6 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	1.40%	1.30%	1.54%	1.53%	1.57%	+18 bps
Return on Equity	11.06%	10.44%	12.35%	12.12%	12.38%	+133 bps
Net Interest Margin	3.13%	3.21%	3.27%	3.26%	3.34%	+21 bps
Efficiency Ratio	43.69%	42.16%	42.57%	39.68%	40.66%	-303 bps
Non-Interest Burden	1.21%	1.17%	1.22%	1.11%	1.16%	-4 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	0.26%	0.31%	0.11%	0.04%	0.04%	-22 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