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Cathay General Bancorp (CATY) investor relations material
Cathay General Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $77.5M, up 11.5% sequentially and 16% year-over-year; diluted EPS rose to $1.10 from $0.98 in Q1 2025 and $0.92 in Q2 2024.
Total loans grew to $19.8B and deposits to $20.01B as of June 30, 2025.
Return on average assets was 1.33% and return on average equity was 10.72% for Q2 2025.
Net interest margin increased to 3.27% from 3.25% in Q1 2025 and 3.01% in Q2 2024.
Announced a $150M share repurchase program; 804,179 shares repurchased for $35.6M in Q2 2025.
Financial highlights
Net interest income before provision for credit losses was $181.2M, up 2.6% sequentially and 9.6% year-over-year.
Noninterest income rose to $15.4M, up 37.5% sequentially and 16.7% year-over-year, driven by higher derivative and FX fees.
Noninterest expense increased to $89.1M, mainly due to higher amortization and professional expenses.
Efficiency ratio improved to 45.34% from 45.60% in Q1 2025 and 55.65% in Q2 2024.
Provision for credit losses was $11.2M, down from $15.5M in Q1 2025 but up from $6.6M in Q2 2024.
Outlook and guidance
2025 loan and deposit growth guidance revised to 3%-4% due to strong Q2 performance.
Net interest margin projected between 3.25% and 3.35% for 2025; further expansion expected with Fed rate cuts.
Effective tax rate guidance updated to 18.5%-19% for 2025 due to California tax law changes.
Core noninterest expense growth estimated at 4.5%-5.5% for the year.
Management anticipates two rate cuts in September and December 2025.
Explain the decrease in deposit interest rates.
Why did professional service expenses increase?
Detail the change in non-performing construction loans.
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Next Cathay General Bancorp earnings date
Q3 202521 Oct, 2025
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Q3 202521 Oct, 2025
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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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