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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.
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Q3 2025 earnings summary21 Oct, 2025

Executive summary

  • Q3 2025 net income was $77.7M, or $1.13 per diluted share, up from Q2 2025; total revenue reached $210.6M and total assets were $24.1B as of September 30, 2025.

  • Loans and deposits grew to $20.1B and $20.5B, respectively, with a net loans-to-deposit ratio of 97%.

  • Repurchased 1.07M shares at $46.81/share, totaling $50.1M under a $150M buyback program.

  • Year-to-date net income reached $224.6M, a 9.1% increase year-over-year.

Financial highlights

  • Net interest income rose 5% quarter-over-quarter to $189.6M; net interest margin increased to 3.31% from 3.27% in Q2 2025.

  • Noninterest income rose 36.4% to $21M, mainly due to mark-to-market gains on equity securities.

  • Noninterest expense decreased by 1.2% to $88.1M, 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.

  • Pre-tax pre-provision income ratio remained stable at 1.92% for Q3 2025.

Outlook and guidance

  • Loan and deposit growth guidance raised to 3.5%-5% for 2025.

  • Core noninterest expense projected to grow 4.5%-5.5%.

  • Net interest margin guidance between 3.25%-3.35%; effective tax rate estimated at 18.5%-19%.

  • Management expects fixed-rate loans to support yields as market rates decline.

  • Net interest margin projected to rise 6-7 bps for every 25 bps Fed funds rate cut over six months.

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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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