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Cathay Bank
Los Angeles, CA·FDIC Cert #18503·Charter: STATE·Est. 19620419.0·HC: CATHAY GENERAL BCORP
Total Assets
$24.2B
Q4 2025
Return on Assets
1.38%
+0.05%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
43.01%
Peer avg: 53.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.38%+0.05
ROE
11.03%+0.45
Efficiency
43.01%-0.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.57%-0.26
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.38%-1.57
Charge-offs
0.18%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.3 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 |
| ROE | 11.3 | 10.6 | 10.2 | 10.5 | 10.2 | 10.7 | 10.6 | 11.0 |
| Efficiency | 49.8 | 51.5 | 51.4 | 49.7 | 43.7 | 43.7 | 43.2 | 43.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.6 | 0.9 | 0.9 | 0.9 | 1.0 | 0.8 | 0.6 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.2 | 0.0 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 97.3 | 97.0 | 96.2 | 97.4 | 96.7 | 98.0 | 96.9 | 95.4 |
Balance Sheet
Total Assets$24.2B
Total Deposits$20.9B
Total Loans$19.9B
Total Equity$3.0B
Profitability
ROA1.38%
ROE11.03%
Efficiency Ratio43.01%
Net Income$326.9M
Risk & Asset Quality
NPL Ratio0.57%
Charge-off Rate0.18%
Loan/Deposit95.38%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans