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Cathay General Bancorp (CATY) investor relations material
Cathay General Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $77.7 million, or $1.13 per diluted share, up 15.1% year-over-year and 0.3% sequentially.
Total revenue reached $210.6 million, and total assets increased to $24.1 billion as of September 30, 2025.
Loans and deposits grew to $20.1 billion and $20.5 billion, respectively, with a net loans-to-deposit ratio of 97%.
Return on average equity was 10.60% and return on average assets was 1.29% for Q3 2025.
Year-to-date net income reached $224.6 million, a 9.1% increase year-over-year.
Financial highlights
Net interest income before provision for credit losses rose to $189.6 million, up 5% quarter-over-quarter and 12.1% year-over-year.
Net interest margin improved to 3.31% from 3.27% in Q2 2025 and 3.04% in Q3 2024.
Non-interest income rose to $21.0 million, mainly from equity securities gains and higher wealth management fees.
Non-interest expense decreased to $88.1 million, with an improved efficiency ratio of 41.84%.
Book value per share was $42.50, up 1.02% sequentially and 7.16% year-over-year.
Outlook and guidance
Loan and deposit growth guidance for 2025 increased to 3.5%-5%, with net interest margin expected between 3.25% and 3.35%.
Core noninterest expense projected to grow 4.5% to 5.5%.
Net interest margin expected to rise by 6-7 basis points for each 25 bps Fed funds rate cut over six months.
Management expects deposit repricing to trend lower as Fed funds rates decrease in 2025.
The company is evaluating the impact of recent federal and state legislative changes, including the OBBBA and GENIUS Act.
Impact of movie theatre loans and CECL model change?
Reason for surge in loan modifications?
Future impact of maturing time deposit repricing?
Detail the resolution path for special mention loans.
Describe your M&A criteria and strategic focus.
Quantify NIM sensitivity to future rate cuts.
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Next Cathay General Bancorp earnings date
Q4 202523 Jan, 2026
Next Cathay General Bancorp earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Cathay General Bancorp is a bank holding company that operates through its subsidiary, Cathay Bank. It provides commercial and personal banking services, including loans, deposit accounts, and international banking. The company serves individuals, professionals, and small to medium-sized businesses, with a focus on Asian-American communities. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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