Cathay Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cathay Bank of Los Angeles, CA against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.34% | +0.23% | 71st above |
| ROAE | 12.38% | 12.25% | +0.13% | 65th above |
| Net Interest Margin | 3.49% | 3.68% | -0.19% | 41st below |
| Efficiency Ratio | 40.66% | 53.86% | -13.20% | 88th top |
| PPNR / Avg Assets | 2.18% | — | — | 74th above |
| Yield on Earning Assets | 5.63% | 5.58% | +0.05% | 69th above |
| Cost of Funds | 2.10% | 1.99% | +0.11% | 38th below |
| Net Interest Spread | 2.76% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.54% | 1.09% | -0.55% | 64th above |
| NPA / Total Assets | 0.59% | — | — | 39th below |
| NCO / Avg Loans | 0.04% | 0.36% | -0.32% | 80th top |
| ACL / Total Loans | 1.06% | — | — | 37th below |
| ACL / NPLs (Coverage) | 196.12% | — | — | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.81% | 5.43% | -0.62% | 43rd below |
| Provision / NCO | 607.57% | — | — | 93rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.98% | 14.50% | -0.52% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.98% | 14.60% | -0.62% | 64th above |
| Total Capital Ratio | 15.16% | — | — | 66th above |
| Leverage Ratio | 11.52% | 10.26% | +1.26% | 83rd top |
| Equity / Assets | 12.58% | 11.55% | +1.03% | 68th above |
| TCE / Tangible Assets | 11.22% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.62% | 83.97% | +13.65% | 14th bottom |
| Core Deposit Ratio | 64.54% | 86.78% | -22.24% | 5th bottom |
| Uninsured Deposit Ratio | 49.22% | 38.93% | +10.29% | 19th bottom |
| Wholesale Funding Ratio | 0.05% | — | — | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.93% | — | — | 37th below |
| Loan Growth (Y/Y) | 4.14% | — | — | 37th below |
| Deposit Growth (Y/Y) | 5.42% | — | — | 49th below |
See Cathay Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cathay Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cathay Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cathay Bank peer analysis.