Cathay Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.08 percentage points lower than in Q1 2026, at 133.75%. Cathay Bank ranks 31st of 114 California banks on loan-to-deposit ratio, in the upper half at 97.62% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. Cathay Bank sits 10.75 points higher, at 97.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.33B |
| Cash and noninterest-bearing balances to assets | 5.39% |
| Cash and securities | $3.02B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.62% |
| Net loans and leases to deposits | 96.59% |
| Loans and leases to core deposits | 133.75% |
| Core deposits to total deposits | 64.54% |
| Brokered deposits to total deposits | 8.53% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 96.92% | 65.08% | $0 | $70.3M |
| Q4 2023 | 101.07% | 63.77% | $0 | $590.6M |
| Q1 2024 | 98.06% | 62.75% | $0 | $316.9M |
| Q2 2024 | 97.81% | 63.29% | $0 | $218.2M |
| Q3 2024 | 97.01% | 62.94% | $0 | $77.8M |
| Q4 2024 | 98.18% | 65.38% | $0 | $77.7M |
| Q1 2025 | 97.61% | 65.11% | $0 | $112.7M |
| Q2 2025 | 98.83% | 64.52% | $0 | $429.7M |
| Q3 2025 | 97.85% | 64.48% | $0 | $207.6M |
| Q4 2025 | 96.31% | 64.68% | $0 | $17.6M |
| Q1 2026 | 97.47% | 64.51% | $0 | $13.5M |
| Q2 2026 | 97.62% | 64.54% | $0 | $13.5M |
Cathay Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cathay Bank, freeSource: Call Report Schedules RC and RC-M, 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)