Cathay Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Equity capital to total assets edged down by 0.20 percentage points, from 12.78% to 12.58%, the largest move among the key lines here. Cathay Bank ranks 44th of 74 California banks on CET1 ratio, in the lower half at 13.98% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Cathay Bank sits 1.02 points higher, at 13.98% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.98% |
| Tier 1 risk-based capital ratio | 13.98% |
| Total risk-based capital ratio | 15.16% |
| Tier 1 leverage ratio | 11.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.75B |
| Tier 1 capital | $2.75B |
| Total risk-based capital | $2.99B |
| Total equity capital | $3.10B |
| Risk-weighted assets | $19.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.58% |
| Tangible equity to tangible assets | 11.22% |
| Equity capital to average assets | 12.76% |
| Internal capital growth rate | 2.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.1M |
| Common stock surplus | $1.66B |
| Retained earnings | $1.47B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$38.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.14% | 13.14% | 14.03% | 10.79% | $18.62B |
| Q4 2023 | 13.23% | 13.23% | 14.09% | 10.87% | $18.91B |
| Q1 2024 | 13.49% | 13.49% | 14.36% | 11.06% | $18.95B |
| Q2 2024 | 13.61% | 13.61% | 14.47% | 11.11% | $18.81B |
| Q3 2024 | 13.66% | 13.66% | 14.59% | 11.10% | $18.69B |
| Q4 2024 | 13.84% | 13.84% | 14.76% | 11.20% | $18.60B |
| Q1 2025 | 14.04% | 14.04% | 15.03% | 11.44% | $18.61B |
| Q2 2025 | 13.79% | 13.79% | 14.75% | 11.45% | $19.10B |
| Q3 2025 | 13.62% | 13.62% | 14.63% | 11.28% | $19.45B |
| Q4 2025 | 13.72% | 13.72% | 14.79% | 11.28% | $19.52B |
| Q1 2026 | 13.91% | 13.91% | 15.05% | 11.52% | $19.62B |
| Q2 2026 | 13.98% | 13.98% | 15.16% | 11.52% | $19.71B |
Cathay Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cathay Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cathay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18503) · FFIEC NIC profile (RSSD 595869)