Cathay Bank (FDIC #18503): Bank Stress & Real-Estate Credit Exposure
Cathay Bank (FDIC Cert #18503): bank stress 51/100, moderate, STABLE over 7 days; parent CATHAY GENERAL BCORP.
Cathay Bank (#18503) lends in 22 counties across 9 states; Cathay Bank (#18503) reaches 1,744 ZIP codes: California 10 counties, 873 ZIPs; New York 3 counties, 176 ZIPs; Illinois 2 counties, 212 ZIPs; Texas 2 counties, 183 ZIPs; Washington 1 county, 89 ZIPs; Nevada 1 county, 76 ZIPs.
Cathay Bank (#18503) largest markets: Los Angeles County, CA (4,560 branches, 304 ZIPs) (#18503), Cook County, IL (178 branches, 178 ZIPs) (#18503), Harris County, TX (143 branches, 143 ZIPs) (#18503), San Diego County, CA (116 branches, 116 ZIPs) (#18503), San Bernardino County, CA (200 branches, 100 ZIPs) (#18503), Orange County, CA (552 branches, 92 ZIPs) (#18503).
Cathay Bank (#18503) reports $24.64 billion in total assets; Cathay Bank (#18503) equity $3.10 billion (12.6% of Cathay Bank (#18503) assets); Cathay Bank (#18503) domestic deposits $20.86 billion; Cathay Bank (#18503) net income $187.7 million; Cathay Bank (#18503) return on assets 1.55%; Cathay Bank (#18503) return on equity 12.26%; Cathay Bank (#18503) net interest income $399.1 million; Cathay Bank (#18503) call report June 30, 2026.
Cathay Bank (#18503) noncurrent real-estate loans: none reported; Cathay Bank (#18503) multifamily 0.04%; Cathay Bank (#18503) residential -0.05%; Cathay Bank (#18503) net charge-offs on real estate 0.60%; Cathay Bank (#18503) multifamily charge-offs 1.22%; Cathay Bank (#18503) residential charge-offs 0.54%.
Cathay Bank (#18503) net interest margin 3.48% against an eight-quarter Cathay Bank (#18503) average of 3.31% (Cathay Bank (#18503) compression -0.17 points); Cathay Bank (#18503) non-residential real estate 53.6% of equity; Cathay Bank (#18503) rate-exposure score 40/100, Cathay Bank (#18503) fixed-rate trap 40/100; Cathay Bank (#18503) risk type credit driven; Cathay Bank (#18503) rate regime rates elevated, Cathay Bank (#18503) snapshot October 19, 2026.
Cathay Bank (#18503) stress score moved from 48.7 on June 22, 2026 to 50.5 on October 19, 2026; Cathay Bank (#18503) ranged 48.7 to 50.5 over 116 snapshots.
Cathay Bank (#18503) alerts: 22 counties; top Cathay Bank (#18503) alert scores: San Francisco County, CA 39 (moderate); San Mateo County, CA 38 (moderate); San Diego County, CA 38 (moderate); Sacramento County, CA 37 (moderate); Boston County, CA 19 (low).