# CATHAY BANK
LOS ANGELES, CA · FDIC certificate 18503 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $24.64B | |
| Deposits | $21.12B | |
| Loans and leases | $20.61B | |
| Total equity | $3.10B | |
| Loans / deposits | 96.59% (p84 of band) | 85.78% |
| Liquid assets / assets | 12.26% (p5 of band) | |
| Uninsured deposits / deposits | 49.22% (p81 of band) | 38.39% |
| Brokered deposits | 7.31% | |
| Wholesale funding | 7.36% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.52% (p83 of band) | 10.17% |
| Unrealized securities loss / equity | -2.10% (p82 of band) | -7.43% |
| AOCI / equity | 0.52% (p94 of band) | |
| ROA (annualized) | 1.55% (p73 of band) | 1.24% |
| Net interest margin | 3.48% (p42 of band) | 3.57% |
| Efficiency ratio | 40.18% (p17 of band) | |
| Noncurrent loans | 0.54% (p38 of band) | 0.66% |
| Net charge-offs (annualized) | 0.03% (p28 of band) | |
| Reserve coverage of noncurrent | 196.12% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 9.94% (p25 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $318.3M (10% of equity) (p56 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 1300 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 0 |  | wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | wholesale funding >15% |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 0 |  | loans exceed deposits |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | loans exceed deposits |  |
| 2024-03 | 0 |  | loans exceed deposits |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Cathay Bank Celebrates Grand Opening of Ho Chi Minh City Representative Office - Voice of Alexandria](https://news.google.com/rss/articles/CBMimgJBVV95cUxNMkhoWTNTcWJwUlJMc2lUOXl4SzlzMDJBbjRES0hFT2JHaGFoZHZzYWo2eUFLVHhmUlM0TVpPNUY4NFFHVlJJZmZ4TGhiMmNjX0FFMWVNYmRLOTdXSHUwdFNwMGNYVGljMzVUX1ozNnJ1UDhwT01OSVZ5UlJFWTdHdmhvcmh5aFFYYWJBMUptb21aQWYzM2R0LXQtQUtNQlVfbHZVMmFXc3pVWTJYX1loV1lUSkJnOFhJT2VYc1Y3MFZCdGZsQTBHbU4weGFYaGZ6djN0VFpValQ5eno5ZjVyTWw4bUhLSFNrc1FyaV9yczBmeW1uWWk5TlVSd3JNVFdKX19jT1VFZEtkVzhlUk1kcEotQkxnN0d2MkE?oc=5) · Voice of Alexandria
- 2026-07-29 [Cathay Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE45aTAwa0phbzhsT3JGRkM4Ym8yNHRRdkpLX2RTZzBPd19pMGxsak5kdFNGSWU2alJESUlBVGpDNlRIM0dQOHRITHRqLTZjXzM4Uk9pRUdkS1U2UVpsY0Qza2NwYnBXYTNzN1hJ?oc=5) · reveliolabs.com
- 2026-08-27 [CA-CATHAY-BANK - GazetteXtra](https://news.google.com/rss/articles/CBMirAFBVV95cUxNUndfSm5ZN2VDbkdpeVFNWVZ4NzJUT1U2ZXpnMnFWYjcwZDFwNmwtUEppenNsNVN1OFZkcnpJdVhyZm9mLVlibVRnQmZRQURNUlpLbEE5YjJreVE0M0duUUYtTTZnVVpuMHVoMWJSZkV2TVFybFhUWmxfNXVMYjJheWprT0VIWk91MjFHRGVkS3o5RWJUS1RMMkN3RHpNWVBqWnRpVUhsWFR6d1JU?oc=5) · GazetteXtra
- 2026-01-09 [Membership and Leadership Announcements for the Federal Reserve Bank of San Francisco’s Los Angeles Branch Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOazZoUzFkd2FaelVJV2NQRWhEdFdGOHhnQUdTNXlPME5wVEstdjl1VWxoZUpJNmsxZG56clA5aGRsVDJ1cUd1NG4tTXI3SjBBd1Y2aDF3LWhvN1FIMVpLcnF6dnJSQnZKUVlvb1g4UlJyRk1oUnNMOHUwclB3QU1uS1RiaERYd3BoUFcyTGtSbE1BaWY5NjZidjdoVXpVal95TDBpUEpxXy1XRDFFRGRGRldGdXpLN2U2QTI4d3NRUFVYNE1ESnQtellvNXEtUUM0djRfYW82UDZDdw?oc=5) · Federal Reserve Bank of San Francisco
- 2026-03-03 [Albert Wang Appointed EVP & Chief Financial Officer at Cathay Bank - hrtoday.in](https://news.google.com/rss/articles/CBMijAFBVV95cUxNR0plX3JGUTMtUzRXTTBXM1VrQjBrYWdlVVRjbXBINDE1cGlTY2VTMXNfRDEtSUtxbk5Xc29LN3RhR1RPMnd6ay1fcXRiMGlQZ001NmJQNEFrcDkxNkhoc2xPUzdQb3lRQm5jVW5yS2htZVJUV3ZnWTVLcWtMbTQ1Uy1FdTMybER0Tkxscw?oc=5) · hrtoday.in
- 2025-10-14 [Cathay Bank sues DTLA landlord alleging $31M loan default - The Real Deal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRlMzTTZieDg1bnJuU1NQXzVNUHdJSFNVbmR0VGhvQmFFX3NtVktsbkdFRlBZZGk0M3V2T3UtVlVyUkx5a29WNm5IZ3ZSQUJOVndkUlEyTjltVVYyTDZxTmphQ25jdUczQ1VGM09MQnd3NV9tYmVLZlpmdWpLRVh2Ui1QdzdES0VyMmM1VDctQTZVLUpXanZKYl9B?oc=5) · The Real Deal
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2022-02-09 [Cathay Bank acquires HSBC West Coast - Banking Exchange](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOWRrMWg1UE5BSnBRSHdScFhncURfY2FqNnJBdmJObDVpVG1DYVpHdUZFNERhTFR2UHF2M3BlSm91UzNVVXlBTU9UdDJJV0wycld1cV9tb19hNi1OVXM5akk1NGZzV2R4NEh0MUZJdWx3S0R1QlpScmFzV0J3aFYyRWNJdGtYNGNhTXhkWGxjOW41UQ?oc=5) · Banking Exchange

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18503 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "18503", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide