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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.
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.
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