Cathay Bank
BankRegReports is independent of Cathay Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Cathay Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1962 (FDIC certificate 18503), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $24.64B, up 3.9% from Q2 2025, the 5th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18503
- Headquarters
- Los Angeles, CA
- Established
- 1962
- Total assets, Q2 2026
- $24.64B
- Assets vs Q2 2025
- +3.9%
- CET1 ratio, Q2 2026
- 13.98%
- Domestic offices
- 65 FDIC institution directory, current count
- Routing number
- 122203950
- Holding company
- CATHAY GENERAL BANCORP
- Asset rank in state
- 5th of 113 in California
Cathay Bank runs leaner than most banks of its size. Its balance sheet stood at $24.6 billion at June 30, 2026, up 3.9% from a year earlier; it is based in Los Angeles, California. It spends about 41 cents to bring in each dollar of revenue, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). On the other hand, it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
Its $3.1 billion commercial and industrial book is improving, with 1.22% past due or on nonaccrual, down from 3.39% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.52% of loans from 0.96%.
As of June 30, 2026, Cathay Bank reported a CET1 capital ratio of 13.98%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 4.81%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Cathay Bank is the 5th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $24.64B, loans rose 2.2% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.4% of total loans, followed by non-owner-occupied commercial real estate loans at 25.3%. Its 62 offices in the FDIC Summary of Deposits are in 51 cities across 9 states; its Los Angeles office books 15% of its branch deposits. Judged on its Q2 2026 call report, Cathay Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 777 N Broadway, Los Angeles, CA 90012
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- April 19, 1962
- Domestic offices
- 65 FDIC institution directory, current count
- Employees (FTE)
- 1,300
- Domestic deposits
- $20.86B
- Allowance for credit losses
- $218.9M
- Net charge-offs (YTD)
- $4.0M
- Average total assets
- $24.30B
- Average total loans
- $20.29B
- Average interest-bearing deposits
- $20.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 19, 1962
- FDIC Cert
- 18503
- Fed RSSD
- 595869
- SEC CIK
- 861842 → filed by CATHAY GENERAL BANCORP
- Website
- www.cathaybank.com →
- Parent Holding Company
- CATHAY GENERAL BANCORP (RSSD 1843080) · CATY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Chang Liu | CEO | President & CEO |
| Dunson K Cheng | CHR | Executive Chairman |
| Wang Albert Jen-Wen | CFO | EVP, Chief Financial Officer |
| Albert Sun | CCO | EVP, Chief Credit Officer |
| May K. Chan | GC | SVP, General Counsel |
| Diana G. Deen | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Cathay Bank's total assets moved between a low of $22.82B (Q3 2023) and a high of $24.64B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$24.64B total assets against $23.71B; $21.54B total liabilities against $20.74B.
$20.39B net loans and leases against $19.62B; $21.12B total deposits against $20.03B.
$1.69B securities against $1.66B; $1.33B cash and balances due against $1.25B.
$327.7M total interest income against $323.1M; $124.7M total interest expense against $139.7M.
$202.9M net interest income against $183.4M.
$20.5M total noninterest income against $17.5M; $91.1M total noninterest expense against $88.0M.
$11.2M provision for credit losses against $11.2M.
$95.6M net income against $81.8M.
1.57% return on assets against 1.40%; 3.49% net interest margin against 3.29%.
13.98% CET1 capital ratio against 13.79%; 11.52% tier 1 leverage ratio against 11.45%.
Inside the full Cathay Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cathay Bank rankings
Its closest position to the top of a national ranking is 87 of 4,196, for total assets; its furthest is 1,126 of 2,134, for CET1 ratio.
Metric pages for Cathay Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q3 2024) to 1.57% (Q2 2026) and its net interest margin ran from 3.10% (Q3 2024) to 3.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.98% | 1.57% | 0.54% | 4.81% | 3.49% |
| Q1 2026 | 13.91% | 1.53% | 0.47% | 4.36% | 3.41% |
| Q4 2025 | 13.72% | 1.54% | 0.56% | 5.04% | 3.42% |
| Q3 2025 | 13.62% | 1.30% | 0.82% | 7.00% | 3.37% |
| Q2 2025 | 13.79% | 1.40% | 0.96% | 7.53% | 3.29% |
| Q1 2025 | 14.04% | 1.28% | 0.86% | 6.75% | 3.24% |
| Q4 2024 | 13.84% | 1.44% | 0.89% | 7.31% | 3.13% |
| Q3 2024 | 13.66% | 1.14% | 0.88% | 7.02% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 62 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cathay Bank (main office) | Los Angeles , CA | 90012 | $3.07B |
| Chicago -Chinatown Branch | Chicago , IL | 60616 | $1.22B |
| Monterey Park Branch | Monterey Park , CA | 91754 | $1.06B |
| City of Industry Branch | City Of Industry , CA | 91748 | $901.8M |
| Irvine Branch | Irvine , CA | 92604 | $818.7M |
| Irvine Parkview Branch | Irvine , CA | 92612 | $714.8M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $638.3M |
| San Gabriel Branch | San Gabriel , CA | 91776 | $621.6M |
| Cerritos Valley Branch | Artesia , CA | 90701 | $586.2M |
| Cupertino Branch | Cupertino , CA | 95014 | $503.7M |
| El Monte Office | El Monte , CA | 91731 | $498.5M |
| Flushing Branch | Flushing , NY | 11354 | $477.4M |
| Northridge Branch | Northridge , CA | 91324 | $474.7M |
| Diamond Bar Branch | Diamond Bar , CA | 91765 | $473.8M |
| Fremont Mission Branch | Fremont , CA | 94539 | $435.9M |
| Alhambra Main St. Branch | Alhambra , CA | 91801 | $378.5M |
| Arcadia Branch | Arcadia , CA | 91007 | $378.4M |
| Fountain Valley Branch | Fountain Valley , CA | 92708 | $341.0M |
| Midtown Branch | New York , NY | 10016 | $324.8M |
| Brea Branch | Brea , CA | 92821 | $296.6M |
| Flushing South Branch | Flushing , NY | 11355 | $286.0M |
| Torrance Branch | Torrance , CA | 90505 | $270.0M |
| Plano Branch | Plano , TX | 75075 | $268.3M |
| San Diego Branch | San Diego , CA | 92111 | $267.4M |
| New York-Chinatown Branch | New York , NY | 10002 | $266.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 27, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 27, 2017 | Structure Change | Acquired Far East National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired Asia Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2013 | Structure Change | Acquired Nevada National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2007 | Structure Change | Acquired United Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2006 | Structure Change | Acquired New Asia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2006 | Structure Change | Acquired Great Eastern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2003 | Structure Change | Acquired General Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 27, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 2000 | Structure Change | Acquired Kermit State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 11, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 1999 | Structure Change | Acquired Golden City Commercial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 10, 1999 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 18, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 1996 | Structure Change | Acquired First Public Savings Bank, a Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in CA, rank 18 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,320 applications, 1,641 loans originated, $1.42B originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $17.2M approved, $955K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 22 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Cathay Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Cathay Bank
What are Cathay Bank's total assets?
As of the Q2 2026 filing, Cathay Bank reported total assets of $24.64 billion in its FFIEC call report.
Where is Cathay Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was Cathay Bank founded?
It was established in 1962, per the FDIC institution directory.
Is Cathay Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cathay Bank?
Cathay Bank's primary federal regulator is the FDIC.
What is Cathay Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cathay Bank operate?
It operates 65 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cathay Bank's Texas Ratio?
Its Texas Ratio is 4.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Cathay Bank.
Get an email when Cathay Bank files its next call report, and benchmark it against any peer you choose.
Unlock Cathay Bank, freeFree account