BlastPoint's Banking Scorecard

Cathay Bank

Mid-Market Specialty: Commercial CA FDIC cert 18503

Los Angeles, CA

201 banks in Mid-Market tier nationally 18 in CA

View Mid-Market leaderboard (CA) →

Cathay Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29% in Mid-Market

Get updates when Cathay Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$24.2B +5.1% YoY +0.6% QoQ	+$13.8B	$10.5B +2.9% YoY	$4.7B +7.1% YoY	$5.9B +6.5% YoY	Top 2% in tier
Total Loans ?	$19.9B +3.8% YoY +0.2% QoQ	+$12.8B	$7.1B +4.5% YoY	$3.2B +8.7% YoY	$3.1B +8.5% YoY	Top 1% in tier
Total Deposits ?	$20.9B +6.0% YoY +1.8% QoQ	+$12.4B	$8.5B +3.0% YoY	$3.9B +6.8% YoY	$4.7B +6.3% YoY	Top 1% in tier
Return on Assets ?	1.38% +6.3% YoY +4.0% QoQ	+0.22%	1.16% +9.4% YoY	0.96% +10.8% YoY	1.12% +15.6% YoY	68%
Net Interest Margin ?	3.37% +7.6% YoY +1.0% QoQ	-0.02%	3.40% +7.9% YoY	3.80% +7.5% YoY	3.75% +7.1% YoY	42%
Efficiency Ratio ?	43.01% -13.4% YoY -0.4% QoQ	-13.60%	56.60% -3.2% YoY	61.43% -2.7% YoY	65.09% -5.1% YoY	Top 13% in tier
Delinquency Rate ?	0.57% -36.9% YoY -31.7% QoQ	-0.12%	0.68% +12.0% YoY	0.69% +31.8% YoY	0.66% +20.3% YoY	50%
Loan-to-Deposit Ratio ?	95.38% -2.0% YoY -1.6% QoQ	+9.90%	85.47% +1.1% YoY	85.48% +0.3% YoY	78.04% +0.7% YoY	79%
Non-Interest-Bearing Deposit Share ?	16.84% -0.3% YoY -3.7% QoQ	-3.79%	20.64% -0.3% YoY	25.54% -3.2% YoY	21.79% -1.3% YoY	31%
Nonperforming Asset Ratio ?	0.59% -30.3% YoY -28.1% QoQ	+0.09%	0.50% +7.3% YoY	0.51% +32.9% YoY	0.48% +20.8% YoY	33%
Tier 1 Capital Ratio ?	13.72% -0.8% YoY +0.7% QoQ	+0.17%	13.55% +1.8% YoY	11.83% -4.8% YoY	9.75% -1.9% YoY	65%
Non-Interest Income / Assets ?	0.29% +10.1% YoY +34.3% QoQ	-0.67%	0.96% +7.1% YoY	0.50% +8.5% YoY	0.65% +0.6% YoY	16%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Liquidity Strain

risk

#24 of 80 · Bottom 29% in Mid-Market

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.38%

(Tier: 85.47%, National: 78.04%)

better than tier avg

80 of 80 Mid-Market banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 201 peers in Mid-Market tier

Top Strengths

100

Total Loans

Current: $19.9B · Tier avg: $7.1B

100th pctile

Total Deposits

Current: $20.9B · Tier avg: $8.5B

99th pctile

Total Assets

Current: $24.2B · Tier avg: $10.5B

98th pctile

Efficiency Ratio

Current: 43.01% · Tier avg: 56.60%

87th pctile

Loan-to-Deposit Ratio

Current: 95.38% · Tier avg: 85.47%

79th pctile

Return on Assets

Current: 1.38% · Tier avg: 1.16%

68th pctile

Tier 1 Capital Ratio

Current: 13.72% · Tier avg: 13.55%

65th pctile

Delinquency Rate

Current: 0.57% · Tier avg: 0.68%

50th pctile

Net Interest Margin

Current: 3.37% · Tier avg: 3.40%

42th pctile

Nonperforming Asset Ratio

Current: 0.59% · Tier avg: 0.50%

33th pctile

Non-Interest-Bearing Deposit Share

Current: 16.84% · Tier avg: 20.64%

31th pctile

Non-Interest Income / Assets

Current: 0.29% · Tier avg: 0.96%

16th pctile

Top Weaknesses