Cathay Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) dropped 1.87 percentage points in Q2 2026, from 12.24% to 10.37%. It was the largest change from Q1 2026 among the key lines here. Cathay Bank ranks 31st of 114 California banks on loan-to-deposit ratio, in the upper half at 97.62% (Q2 2026). Cathay Bank reported 97.62% on loan-to-deposit ratio for Q2 2026, 10.75 points above the 86.87% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.61B |
| Net loans and leases | $20.39B |
| Loans held for sale | $0 |
| Loans to total assets | 83.65% |
| Loan-to-deposit ratio | 97.62% |
| Net loans to equity capital | 6.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.95% |
| Multifamily (5+ residential) | 12.55% |
| Commercial and industrial | 15.00% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 272.09% |
| Construction concentration (Tier 1 capital + allowance) | 10.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.96% |
| Interest income on loans | $302.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $19.05B | $19.66B | 31.24% | 14.90% | 0.03% |
| Q4 2023 | $19.56B | $19.35B | 31.96% | 14.78% | 0.03% |
| Q1 2024 | $19.48B | $19.87B | 31.39% | 14.64% | 0.03% |
| Q2 2024 | $19.38B | $19.81B | 31.77% | 14.44% | 0.03% |
| Q3 2024 | $19.38B | $19.98B | 32.04% | 14.61% | 0.03% |
| Q4 2024 | $19.38B | $19.74B | 32.41% | 14.68% | 0.03% |
| Q1 2025 | $19.36B | $19.84B | 33.06% | 13.99% | 0.03% |
| Q2 2025 | $19.79B | $20.03B | 33.25% | 14.19% | 0.01% |
| Q3 2025 | $20.10B | $20.54B | 33.37% | 13.90% | 0.01% |
| Q4 2025 | $20.14B | $20.91B | 33.50% | 14.13% | 0.01% |
| Q1 2026 | $20.17B | $20.70B | 33.82% | 14.49% | 0.01% |
| Q2 2026 | $20.61B | $21.12B | 33.95% | 15.00% | 0.01% |
Cathay Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cathay Bank, freeSource: Call Report Schedule RC-C, 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)