Los Angeles, CA · Cert 18503 · Cathay General Bcorp
State charter, non-member · FDIC · 62 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.8% share · #10 of 107 inst. · $12.2B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.30% | 1.29% | 1.34% | 1.33% | 1.38% | 1.53% | 1.55% | +20 bps | |
| Return on Equity | 10.17% | 10.54% | 10.21% | 10.65% | 10.58% | 11.03% | 12.12% | 12.26% | +161 bps | |
| Net Interest Margin | 2.90% | 2.92% | 3.08% | 3.09% | 3.09% | 3.11% | 3.26% | 3.28% | +19 bps | |
| Efficiency Ratio | 51.44% | 49.66% | 43.69% | 43.69% | 43.16% | 43.01% | 39.68% | 40.18% | -351 bps | |
| Non-Interest Burden | 1.37% | 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 / Loans | 0.88% | 0.89% | 0.86% | 0.96% | 0.82% | 0.56% | 0.47% | 0.54% | -41 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.15% | 0.04% | 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 | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.10% | 11.20% | 11.44% | 11.45% | 11.28% | 11.28% | 11.52% | 11.52% | +6 bps | |
| Total Risk-Based Capital | 14.59% | 14.76% | 15.03% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.14% | 99.19% | 98.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |