Cathay Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Cathay Bank runs leaner than most banks of its size. Its balance sheet stood at $24.6 billion at June 30, 2026, up 3.9% from a year earlier; it is based in Los Angeles, California. It spends about 41 cents to bring in each dollar of revenue, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). On the other hand, it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
Its $3.1 billion commercial and industrial book is improving, with 1.22% past due or on nonaccrual, down from 3.39% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.52% of loans from 0.96%.
As of June 30, 2026, Cathay Bank reported a CET1 capital ratio of 13.98%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 4.81%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 777 N Broadway, Los Angeles, CA 90012
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- April 19, 1962
- Offices
- 66 domestic
- Employees (FTE)
- 1,300
- Domestic deposits
- $20.86B
- Allowance for credit losses
- $218.9M
- Net charge-offs (YTD)
- $4.0M
- Average total assets
- $24.30B
- Average total loans
- $20.29B
- Average interest-bearing deposits
- $20.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 19, 1962
- FDIC Cert
- 18503
- Fed RSSD
- 595869
- SEC CIK
- 861842 → filed by CATHAY GENERAL BANCORP
- Website
- www.cathaybank.com →
- Parent Holding Company
- CATHAY GENERAL BANCORP (RSSD 1843080) · CATY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Chang Liu | CEO | President & CEO |
| Dunson K Cheng | CHR | Executive Chairman |
| Wang Albert Jen-Wen | CFO | EVP, Chief Financial Officer |
| Albert Sun | CCO | EVP, Chief Credit Officer |
| May K. Chan | GC | SVP, General Counsel |
| Diana G. Deen | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cathay Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cathay Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cathay Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.98% | 1.57% | 0.54% | 4.81% | 3.49% |
| Q1 2026 | 13.91% | 1.53% | 0.47% | 4.36% | 3.41% |
| Q4 2025 | 13.72% | 1.54% | 0.56% | 5.04% | 3.42% |
| Q3 2025 | 13.62% | 1.30% | 0.82% | 7.00% | 3.37% |
| Q2 2025 | 13.79% | 1.40% | 0.96% | 7.53% | 3.29% |
| Q1 2025 | 14.04% | 1.28% | 0.86% | 6.75% | 3.24% |
| Q4 2024 | 13.84% | 1.44% | 0.89% | 7.31% | 3.13% |
| Q3 2024 | 13.66% | 1.14% | 0.88% | 7.02% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 62 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cathay Bank (main office) | Los Angeles , CA | 90012 | $3.07B |
| Chicago -Chinatown Branch | Chicago , IL | 60616 | $1.22B |
| Monterey Park Branch | Monterey Park , CA | 91754 | $1.06B |
| City of Industry Branch | City Of Industry , CA | 91748 | $901.8M |
| Irvine Branch | Irvine , CA | 92604 | $818.7M |
| Irvine Parkview Branch | Irvine , CA | 92612 | $714.8M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $638.3M |
| San Gabriel Branch | San Gabriel , CA | 91776 | $621.6M |
| Cerritos Valley Branch | Artesia , CA | 90701 | $586.2M |
| Cupertino Branch | Cupertino , CA | 95014 | $503.7M |
| El Monte Office | El Monte , CA | 91731 | $498.5M |
| Flushing Branch | Flushing , NY | 11354 | $477.4M |
| Northridge Branch | Northridge , CA | 91324 | $474.7M |
| Diamond Bar Branch | Diamond Bar , CA | 91765 | $473.8M |
| Fremont Mission Branch | Fremont , CA | 94539 | $435.9M |
| Alhambra Main St. Branch | Alhambra , CA | 91801 | $378.5M |
| Arcadia Branch | Arcadia , CA | 91007 | $378.4M |
| Fountain Valley Branch | Fountain Valley , CA | 92708 | $341.0M |
| Midtown Branch | New York , NY | 10016 | $324.8M |
| Brea Branch | Brea , CA | 92821 | $296.6M |
| Flushing South Branch | Flushing , NY | 11355 | $286.0M |
| Torrance Branch | Torrance , CA | 90505 | $270.0M |
| Plano Branch | Plano , TX | 75075 | $268.3M |
| San Diego Branch | San Diego , CA | 92111 | $267.4M |
| New York-Chinatown Branch | New York , NY | 10002 | $266.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 27, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 27, 2017 | Structure Change | Acquired Far East National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired Asia Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2013 | Structure Change | Acquired Nevada National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2007 | Structure Change | Acquired United Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2006 | Structure Change | Acquired New Asia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2006 | Structure Change | Acquired Great Eastern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2003 | Structure Change | Acquired General Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 27, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 2000 | Structure Change | Acquired Kermit State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 11, 1999 | Structure Change | Acquired Golden City Commercial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 10, 1999 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 18, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 1996 | Structure Change | Acquired First Public Savings Bank, a Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Cathay Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in CA, rank 18 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,320 applications, 1,641 loans originated, $1.42B originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $17.2M approved, $955K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 22 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cathay Bank
What are Cathay Bank's total assets?
As of the Q2 2026 filing, Cathay Bank reported total assets of $24.64 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cathay Bank headquartered?
Cathay Bank is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Cathay Bank founded?
Cathay Bank was established in 1962, per the FDIC institution directory.
Is Cathay Bank FDIC-insured?
Yes. Cathay Bank is an FDIC-insured commercial bank (FDIC Certificate #18503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cathay Bank?
Cathay Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cathay Bank's CET1 capital ratio?
Cathay Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cathay Bank operate?
Cathay Bank operates 66 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cathay Bank's Texas Ratio?
Cathay Bank's Texas Ratio is 4.81% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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