Cathay Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings rose 0.42 percentage points from Q1 2026 to Q2 2026, ending at 3.92% against 3.50%. It was the largest change among the key lines on this page. Within California, Cathay Bank is 77th of 114 on net interest margin, 3.49% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.59% on net interest margin; Cathay Bank reported 3.49% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 5.96% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.49% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $302.4M |
| Total interest expense | $124.7M |
| Interest expense on deposits | $121.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.90% | 2.36% | 3.42% | 6.17% | 3.08% |
| Q4 2023 | 6.00% | 2.56% | 3.31% | 6.25% | 3.42% |
| Q1 2024 | 5.95% | 2.80% | 3.04% | 6.21% | 3.44% |
| Q2 2024 | 5.98% | 2.89% | 3.00% | 6.24% | 3.50% |
| Q3 2024 | 6.11% | 2.93% | 3.10% | 6.38% | 3.50% |
| Q4 2024 | 5.95% | 2.74% | 3.13% | 6.23% | 3.35% |
| Q1 2025 | 5.79% | 2.47% | 3.24% | 6.09% | 3.13% |
| Q2 2025 | 5.80% | 2.45% | 3.29% | 6.10% | 3.20% |
| Q3 2025 | 5.87% | 2.44% | 3.37% | 6.20% | 2.97% |
| Q4 2025 | 5.78% | 2.29% | 3.42% | 6.11% | 3.16% |
| Q1 2026 | 5.61% | 2.16% | 3.41% | 5.94% | 3.02% |
| Q2 2026 | 5.63% | 2.10% | 3.49% | 5.96% | 3.29% |
Cathay Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cathay Bank, freeSource: Call Report Schedules RI and RC-K, 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)