Cathay Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 24.98 percentage points in Q2 2026, from 221.10% to 196.12%. It was the largest change from Q1 2026 among the key lines here. Within California, Cathay Bank is 25th of 114 on return on assets, 1.57% as of Q2 2026. The median for banks in the $10B-100B asset tier is 1.29% on return on assets. Cathay Bank sits 0.28 points higher, at 1.57% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.98% |
| Tier 1 risk-based capital ratio | 13.98% |
| Total risk-based capital ratio | 15.16% |
| Tier 1 leverage ratio | 11.52% |
| Equity capital to assets | 12.58% |
| Tangible equity to tangible assets | 11.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 4.81% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 196.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 12.38% |
| Net interest margin | 3.49% |
| Efficiency ratio | 40.66% |
| Yield on earning assets | 5.63% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.62% |
| Core deposits to total deposits | 64.54% |
| Brokered deposits to total deposits | 8.53% |
| Deposits to assets | 85.69% |
| Securities to assets | 6.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.14% | 13.14% | 14.03% | 10.79% | 1.54% |
| Q4 2023 | 13.23% | 13.23% | 14.09% | 10.87% | 1.33% |
| Q1 2024 | 13.49% | 13.49% | 14.36% | 11.06% | 1.36% |
| Q2 2024 | 13.61% | 13.61% | 14.47% | 11.11% | 1.21% |
| Q3 2024 | 13.66% | 13.66% | 14.59% | 11.10% | 1.14% |
| Q4 2024 | 13.84% | 13.84% | 14.76% | 11.20% | 1.44% |
| Q1 2025 | 14.04% | 14.04% | 15.03% | 11.44% | 1.28% |
| Q2 2025 | 13.79% | 13.79% | 14.75% | 11.45% | 1.40% |
| Q3 2025 | 13.62% | 13.62% | 14.63% | 11.28% | 1.30% |
| Q4 2025 | 13.72% | 13.72% | 14.79% | 11.28% | 1.54% |
| Q1 2026 | 13.91% | 13.91% | 15.05% | 11.52% | 1.53% |
| Q2 2026 | 13.98% | 13.98% | 15.16% | 11.52% | 1.57% |
Cathay Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cathay Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)