Cathay Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.16% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.16% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.98% +7.48 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.75B | 2,754,227 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $19.71B | 19,706,172 | RCFAA223 |
| Recomputed ratio | 13.98% | numerator / denominator | |
| Filed ratio | 13.98% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.48 pp | $1.47B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.98% +5.98 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.75B | 2,754,227 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $19.71B | 19,706,172 | RCFAA223 |
| Recomputed ratio | 13.98% | numerator / denominator | |
| Filed ratio | 13.98% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.98 pp | $1.18B | capital that could be lost first |
Total risk-based capital ratio 15.16% +5.16 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.99B | 2,988,041 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $19.71B | 19,706,172 | RCFAA223 |
| Recomputed ratio | 15.16% | numerator / denominator | |
| Filed ratio | 15.16% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.16 pp | $1.02B | capital that could be lost first |
Tier 1 leverage ratio 11.52% +6.52 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.75B | 2,754,227 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $23.92B | 23,917,123 | RCFAA224 |
| Recomputed ratio | 11.52% | numerator / denominator | |
| Filed ratio | 11.52% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.52 pp | $1.56B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,669,878 | 1,667,534 | 1,665,963 | 1,664,064 | 1,662,061 | 1,660,879 | RCFAP742 |
| Retained earnings | 1,469,326 | 1,448,761 | 1,401,596 | 1,383,934 | 1,376,195 | 1,359,399 | RCFAKW00 |
| Accumulated other comprehensive income | (38,314) | (44,178) | (54,400) | (59,698) | (69,222) | (71,747) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,100,890 | 3,072,117 | 3,013,159 | 2,988,300 | 2,969,034 | 2,948,531 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (346,663) | (343,435) | (334,467) | (338,131) | (333,968) | (335,976) | P859 - P840 |
| Common equity Tier 1 capital | 2,754,227 | 2,728,682 | 2,678,692 | 2,650,169 | 2,635,066 | 2,612,555 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 2,754,227 | 2,728,682 | 2,678,692 | 2,650,169 | 2,635,066 | 2,612,555 | RCFA8274 |
| Tier 2 capital | 233,814 | 224,423 | 208,353 | 196,508 | 183,423 | 184,964 | RCFA5311 |
| Allowance includable in Tier 2 capital | 233,814 | 224,423 | 208,353 | 196,508 | 183,423 | 184,964 | RCFA5310 |
| Total capital | 2,988,041 | 2,953,105 | 2,887,045 | 2,846,677 | 2,818,489 | 2,797,519 | RCFA3792 |
| Total risk-weighted assets | 19,706,172 | 19,620,608 | 19,516,817 | 19,451,610 | 19,102,338 | 18,613,754 | RCFAA223 |
| Average total assets for the leverage ratio | 23,917,123 | 23,687,392 | 23,740,675 | 23,498,922 | 23,006,030 | 22,843,481 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.33B | $31.4M | 2.37% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.75B | $226.4M | 12.95% | 1.15% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $7.84B | $4.00B | 51.07% | 20.31% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $79.3M | $119.0M | 150.00% | 0.60% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $12.70B | $12.53B | 98.72% | 63.61% | RC-R Part II, item 4.d, 5.d |
| All other assets | $803.8M | $764.5M | 95.11% | 3.88% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.00B | $2.01B | 100.69% | 10.21% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $31.6M | $15.8M | 50.00% | 0.08% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $700 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $19.71B | ties to item 31 ($19.71B) |
|---|---|---|
| Risk-weighted assets before deductions | $19.71B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $19.71B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.98% | 13.98% | 15.16% | 11.52% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.91% | 13.91% | 15.05% | 11.52% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.72% | 13.72% | 14.79% | 11.28% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.62% | 13.62% | 14.63% | 11.28% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.79% | 13.79% | 14.75% | 11.45% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.04% | 14.04% | 15.03% | 11.44% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.84% | 13.84% | 14.76% | 11.20% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.66% | 13.66% | 14.59% | 11.10% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.61% | 13.61% | 14.47% | 11.11% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 13.49% | 13.49% | 14.36% | 11.06% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.23% | 13.23% | 14.09% | 10.87% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 13.14% | 13.14% | 14.03% | 10.79% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Cathay Bank (this bank) | Risk-based | 13.98% | 13.98% | 15.16% | 11.52% | |
| Centennial Bank | $24.55B | Risk-based | 14.83% | 14.83% | 16.09% | 12.61% |
| Simmons Bank | $24.73B | Risk-based | 10.44% | 10.44% | 11.69% | 9.18% |
| Rockland Trust Company | $24.97B | Risk-based | 14.86% | 14.86% | 15.85% | 11.83% |
| TriState Capital Bank | $24.26B | Risk-based | 18.45% | 18.45% | 19.10% | 7.41% |
| Bank of Hawaii | $23.81B | Risk-based | 13.92% | 13.92% | 14.96% | 8.38% |
| Ameriprise Bank, FSB | $25.48B | Risk-based | 30.38% | 30.38% | 30.57% | 7.38% |
| First Hawaiian Bank | $23.65B | Risk-based | 13.23% | 13.23% | 14.48% | 9.44% |
| Provident Bank | $25.65B | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% |
| First Interstate Bank | $25.79B | Risk-based | 14.32% | 14.32% | 15.46% | 9.42% |
| OceanFirst Bank, N.A. | $23.17B | Risk-based | 12.96% | 12.96% | 13.91% | 12.62% |
| Peer 25th percentile | 13.03% | 13.03% | 14.06% | 8.58% | ||
| Peer median | 14.12% | 14.12% | 15.21% | 9.43% | ||
| Peer 75th percentile | 14.85% | 14.85% | 16.03% | 11.51% | ||
| This bank's percentile | 50 | 50 | 50 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/595869/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.