Cathay General Bancorp (CATY): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Cathay General Bancorp (Caty), una institución financiera dinámica que navega magistralmente del complejo panorama de la banca a través de su innovador lienzo de modelo de negocio. Este marco convincente revela cómo Caty Transforma la banca tradicional al combinar el servicio personalizado, la destreza tecnológica y las asociaciones estratégicas para ofrecer un valor excepcional a sus diversos segmentos de clientes, desde pequeñas empresas hasta personas de alto valor en el mercado occidental vibrante de los Estados Unidos.

Cathay General Bancorp (Caty) - Modelo de negocios: asociaciones clave

Colaboración con empresas locales y regionales para servicios de préstamos

A partir del cuarto trimestre de 2023, Cathay General Bancorp informó $ 17.6 mil millones en préstamos totales con importantes asociaciones en los mercados específicos.

Categoría de asociación	Número de asociaciones activas	Valor total
Préstamos para pequeñas empresas	387	$ 2.3 mil millones
Inmobiliario comercial	214	$ 5.7 mil millones
Redes comerciales comunitarias	156	$ 1.9 mil millones

Alianzas estratégicas con desarrolladores e inversores inmobiliarios

Cathay General Bancorp mantiene asociaciones sólidas de financiamiento de bienes raíces, particularmente en California, centrándose en:

• Financiación del desarrollo residencial
• Inversión inmobiliaria comercial
• Financiación del proyecto de uso mixto

Segmento de asociación inmobiliaria	Inversión total	Concentración geográfica
Bienes raíces de California	$ 4.5 mil millones	68% de la cartera
Desarrollo del noroeste del Pacífico	$ 1.2 mil millones	17% de la cartera

Asociaciones con proveedores de servicios de tecnología financiera (fintech)

En 2023, Cathay General Bancorp invirtió $ 12.7 millones en infraestructura bancaria digital a través de colaboraciones estratégicas de fintech.

• Integración de la plataforma de banca móvil
• Mejora de la ciberseguridad
• Soluciones de pago digital

Relaciones con el cumplimiento regulatorio y las empresas de gestión de riesgos

Las asociaciones de cumplimiento totalizaron $ 8.3 millones en inversión anual en múltiples dominios de gestión de riesgos.

Enfoque de asociación de cumplimiento	Inversión anual	Proveedores principales
Monitoreo regulatorio	$ 3.6 millones	3 empresas especializadas
Evaluación de riesgos	$ 2.7 millones	2 proveedores de tecnología
Anti-lavado de dinero	$ 2 millones	4 Redes de cumplimiento

Cathay General Bancorp (Caty) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Cathay General Bancorp informó activos totales de $ 21.2 mil millones, con una cartera de préstamos de $ 16.8 mil millones. El banco opera 35 sucursales principalmente en California, con presencia adicional en otros estados occidentales.

Categoría de servicio	Volumen total (2023)	Segmento de mercado
Préstamo comercial	$ 11.4 mil millones	Empresas pequeñas a medianas
Préstamo de consumo	$ 5.4 mil millones	Banca personal

Operaciones de préstamos y crédito

Las actividades de préstamo del banco se centran en segmentos especializados con perfiles de riesgo específicos.

• Originaciones totales de préstamo en 2023: $ 2.7 mil millones
• Préstamos inmobiliarios comerciales: $ 8.6 mil millones
• Préstamos hipotecarios residenciales: $ 3.2 mil millones

Gestión de depósitos e inversiones

Cathay General Bancorp informó depósitos totales de $ 18.5 mil millones en 2023.

Tipo de depósito	Volumen total	Tasa de interés
Cuentas corrientes	$ 6.2 mil millones	0.25%
Cuentas de ahorro	$ 4.8 mil millones	0.50%
Depósitos de tiempo	$ 7.5 mil millones	3.75%

Evaluación de riesgos y suscripción de crédito

El banco mantiene un relación de carga neta de 0.25% para 2023, que indica estrategias sólidas de gestión de riesgos.

• Puntuación de crédito promedio para préstamos comerciales: 720
• Reserva de pérdida de préstamos: $ 312 millones
• Tasa de incumplimiento del préstamo: 1.2%

Desarrollo de la plataforma de banca digital

Las inversiones bancarias digitales totalizaron $ 42 millones en 2023.

Servicio digital	Tasa de adopción de usuarios	Volumen de transacción
Banca móvil	68%	3.2 millones de transacciones mensuales
Banca en línea	82%	4.5 millones de transacciones mensuales

Cathay General Bancorp (Caty) - Modelo de negocio: recursos clave

Strong Capital Base y reservas financieras

A partir del cuarto trimestre de 2023, Cathay General Bancorp informó:

Métrica financiera	Cantidad
Activos totales	$ 21.3 mil millones
Equidad total	$ 2.8 mil millones
Relación de capital de nivel 1	13.5%
Relación de capital total	14.2%

Profesionales de gestión y banca experimentados

Composición de liderazgo:

• Total de empleados: 1.872
• Promedio de tenencia ejecutiva: 15.6 años
• Especializado en el mercado bancario asiático-estadounidense

Infraestructura de banca digital avanzada

Las capacidades de banca digital incluyen:

• Plataformas de banca móvil
• Sistemas de transacción en línea
• Inversión de ciberseguridad: $ 12.4 millones anuales

Red de sucursal extensa

Presencia geográfica	Número de ramas
California	93
Otros estados occidentales	37
Red de sucursales totales	130

Sistemas de gestión de riesgos robustos

Métricas de gestión de riesgos:

• Relación de préstamos sin rendimiento: 0.35%
• Reserva de pérdida de préstamos: $ 156 millones
• Inversión en tecnología de gestión de riesgos: $ 8.7 millones

Cathay General Bancorp (Caty) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, Cathay General Bancorp informó préstamos totales de $ 22.2 mil millones, con un enfoque en segmentos de préstamos especializados.

Categoría de préstamo	Monto total del préstamo	Porcentaje de cartera
Inmobiliario comercial	$ 12.4 mil millones	55.9%
Comercial & Industrial	$ 6.8 mil millones	30.6%
Hipoteca residencial	$ 2.5 mil millones	11.3%
Préstamos al consumo	$ 500 millones	2.2%

Tasas de interés competitivas sobre préstamos y depósitos

A partir de febrero de 2024, Cathay General Bancorp ofrece las siguientes tarifas competitivas:

Producto	Tasa de interés
Tasas de préstamo comercial	6.25% - 8.75%
Cuentas de ahorro personal	3.50% - 4.25%
Certificado de depósito (12 meses)	4.75% - 5.25%

Experiencia de banca comercial especializada

• Porción Principalmente mercados comerciales asiático-estadounidenses
• Opera 90 sucursales en California, Nueva York, Washington y otros estados
• Activos totales de $ 23.1 mil millones al 31 de diciembre de 2023
• Ingresos de intereses netos de $ 631.2 millones en 2023

Convenientes experiencias bancarias digitales y en persona

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 215,000
• Volumen de transacciones en línea: 3.2 millones de transacciones mensuales
• Tasa de apertura de la cuenta digital: 42% de las cuentas nuevas

Centrarse en los servicios bancarios basados ​​en relaciones

Estadísticas de relación con el cliente:

• Valor promedio de la relación con el cliente: $ 187,500
• Tasa de retención de clientes: 87.3%
• Número promedio de productos por cliente: 2.6

Cathay General Bancorp (Caty) - Modelo de negocio: relaciones con los clientes

Enfoque de servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Cathay General Bancorp mantiene un enfoque de servicio al cliente con las siguientes métricas clave:

Métrica de servicio al cliente	Datos cuantitativos
Puntuación promedio de satisfacción del cliente	4.2 de 5
Tasa de retención de clientes	87.6%
Tiempo promedio de interacción con el cliente	12.4 minutos

Gestión de relaciones a largo plazo

La estrategia de gestión de relaciones de Cathay General Bancorp incluye:

• Duración promedio de la relación con el cliente: 7.3 años
• Tasa de cliente repetida: 65.2%
• Tasa de éxito de venta cruzada: 42.7%

Gerentes de relaciones dedicadas para clientes comerciales

Segmento de clientes comerciales	Gerentes dedicados	Tamaño promedio de la cartera
Pequeño negocio	127 gerentes	$ 42.3 millones
Empresas del mercado medio	84 gerentes	$ 156.7 millones
Clientes corporativos	36 gerentes	$ 412.5 millones

Plataformas de comunicación multicanal

Desglose de uso del canal de comunicación:

• Banca móvil: 62.3% de las interacciones
• Banca en línea: 53.7% de las interacciones
• Banca telefónica: 24.1% de las interacciones
• Servicios en la rama: 18.9% de las interacciones

Servicios de asesoramiento financiero a medida

Tipo de servicio de asesoramiento	Número de clientes	Cartera de asesoramiento promedio
Gestión de patrimonio	3.421 clientes	$ 2.7 millones
Planificación de jubilación	5.612 clientes	$ 1.4 millones
Estrategia de inversión	2.893 clientes	$ 3.2 millones

Cathay General Bancorp (Caty) - Modelo de negocio: canales

Red de sucursales físicas

A partir de 2024, Cathay General Bancorp opera 65 ubicaciones de ramas de servicio completo, principalmente concentrado en:

• California: 48 ramas
• Nueva York: 7 ramas
• Washington: 4 ramas
• Massachusetts: 3 ramas
• Otros estados: 3 ramas

Plataforma bancaria en línea

Estadísticas de banca digital para Cathay General Bancorp:

Métrica de banca en línea	2024 datos
Usuarios bancarios en línea activos	87,500
Transacciones mensuales en línea	1.2 millones
Tasa de apertura de la cuenta en línea	42%

Aplicación de banca móvil

Métricas de rendimiento de la banca móvil:

Estadística de banca móvil	Valor 2024
Descargas de aplicaciones móviles	135,000
Usuarios móviles activos mensuales	72,300
Volumen de transacción móvil	890,000 mensuales

Servicios de banca telefónica

Detalles del canal de banca telefónica:

• Horario de servicio al cliente: 7:00 a.m. a 7:00 p.m. PST
• Volumen anual de llamadas: 425,000 llamadas
• Duración promedio de llamadas: 6.2 minutos
• Representantes de servicio al cliente: 85 miembros del personal

Red de cajeros automáticos

Infraestructura de red de atm:

Métrica de red de cajeros automáticos	2024 datos
Ubicaciones de cajeros automáticos totales	92
Transacciones de cajero automático por mes	310,000
Retiros de efectivo de cajero automático total	$ 42.6 millones mensuales

Cathay General Bancorp (Caty) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Cathay General Bancorp atiende a aproximadamente 12.500 clientes comerciales pequeños a medianos en sus mercados operativos.

Segmento de negocios	Préstamos totales ($ M)	Tamaño promedio del préstamo ($)
Pequeñas empresas	1,842	375,000
Empresas medianas	3,256	1,250,000

Inversores inmobiliarios comerciales

Los préstamos inmobiliarios comerciales representan el 45.3% de la cartera de préstamos totales de Cathay General Bancorp, por un total de $ 8.7 mil millones en 2023.

• Concentración geográfica primaria: California, Washington, Nueva York
• Tamaño promedio del préstamo inmobiliario comercial: $ 2.3 millones
• Relación de préstamo a valor: aproximadamente el 65%

Individuos de alto nivel de red

Cathay General Bancorp se dirige a personas de alto valor de la red con activos superiores a $ 1 millón, lo que representa el 22% de su base total de clientes.

Segmento de riqueza	Total de clientes	Valor de cartera promedio ($ M)
De alto nivel	4,750	3.2

Comunidad china-estadounidense

A partir de 2023, Cathay General Bancorp atiende a aproximadamente 37,500 clientes dentro de la comunidad china-estadounidense, con una fuerte presencia en las principales áreas metropolitanas.

• Concentración en California: 68% de la base de clientes chino-estadounidense
• Productos bancarios especializados diseñados a las necesidades de la comunidad

Proveedores de servicios profesionales

Los proveedores de servicios profesionales constituyen el 15% de la cartera total de clientes de Cathay General Bancorp, con préstamos totales de $ 1.95 mil millones en 2023.

Segmento profesional	Total de clientes	Valor de relación bancaria comercial promedio ($)
Profesionales legales	2,350	425,000
Médicos	3,100	575,000
Profesionales de contabilidad	1,850	385,000

Cathay General Bancorp (Caty) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

Para el año fiscal 2023, Cathay General Bancorp informó gastos totales de personal de $ 233.4 millones.

Categoría de gastos	Monto ($)
Salarios	178,600,000
Beneficios para empleados	54,800,000
Contribuciones de pensiones	15,200,000

Tecnología y mantenimiento de infraestructura digital

La inversión anual de infraestructura tecnológica para 2023 fue de $ 42.7 millones.

• Costos de infraestructura de TI: $ 22,300,000
• Inversiones de ciberseguridad: $ 12,500,000
• Mantenimiento de la plataforma de banca digital: $ 7,900,000

Gastos de operación de rama

Los costos operativos totales relacionados con las sucursales para 2023 fueron de $ 87.6 millones.

Categoría de gastos de rama	Monto ($)
Alquiler e instalaciones	45,200,000
Utilidades	18,700,000
Mantenimiento y reparaciones	23,700,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 totalizaron $ 36.5 millones.

• Personal legal y de cumplimiento: $ 18,900,000
• Costos de auditoría e informes: $ 11,300,000
• Capacitación regulatoria: $ 6,300,000

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 24.8 millones.

Categoría de gastos de marketing	Monto ($)
Marketing digital	12,400,000
Publicidad tradicional	7,600,000
Programas de adquisición de clientes	4,800,000

Cathay General Bancorp (Caty) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos comerciales y de consumo

Para el año fiscal 2023, Cathay General Bancorp informó ingresos por intereses totales de $ 739.1 millones. El desglose de los ingresos por intereses del préstamo fue el siguiente:

Categoría de préstamo	Ingresos de intereses ($ M)
Préstamos inmobiliarios comerciales	412.3
Préstamos comerciales comerciales	276.5
Préstamos al consumo	50.3

Devoluciones de valores de inversión

Los valores de inversión generaron $ 98.7 millones en ingresos por intereses para el año 2023, con la siguiente composición:

• Valores del gobierno de EE. UU.: $ 45.2 millones
• Valores municipales: $ 22.5 millones
• Bonos corporativos: $ 31.0 millones

Servicios basados ​​en tarifas

Los ingresos de tarifas para 2023 totalizaron $ 87.4 millones, distribuidos en todo:

Tipo de servicio	Ingresos de tarifas ($ M)
Tarifas de servicio de cuentas	32.6
Tarifas de tarjeta de crédito	18.9
Otros cargos de servicio	35.9

Ingresos bancarios hipotecarios

Los ingresos de la banca hipotecaria para 2023 fueron de $ 42.6 millones, que incluyen:

• Tarifas de origen de la hipoteca: $ 24.3 millones
• Tarifas de servicios hipotecarios: $ 18.3 millones

Servicios de gestión del tesoro

Los servicios de gestión del tesoro generaron $ 22.5 millones en ingresos para 2023, con segmentos clave:

Servicio del tesoro	Ingresos ($ M)
Gestión de efectivo	12.7
Servicios bancarios internacionales	6.3
Procesamiento de pagos	3.5

Cathay General Bancorp (CATY) - Canvas Business Model: Value Propositions

You're looking at what Cathay General Bancorp (CATY) offers its customers that makes them choose this bank over the competition. It's about deep community ties and specialized lending focus.

Specialized financial services tailored to the Chinese-American community

Cathay General Bancorp offers financial tools specifically designed for the needs of the Asian American community, a focus that started when Cathay Bank opened its doors in Los Angeles Chinatown back in 1962. This value proposition is built on long-established relationships and a deep cultural understanding. The bank has since broadened its appeal to include other minority communities, especially across the U.S. West Coast and in New York.

• Founded in 1962 to serve the unserved Chinese community in Los Angeles.
• Continues to support local businesses and families within these communities.
• Emphasizes hard work and heart in supporting customer financial journeys.

Comprehensive commercial lending, with CRE loans being a major focus

The bank heavily commits to commercial financing, making commercial real estate (CRE) loans a cornerstone of its lending activity. This focus is clear in the balance sheet composition as of the second quarter of 2025. The CRE portfolio is strategically concentrated in key markets where the bank has a strong presence.

Here's a quick look at the loan book as of June 30, 2025:

Loan Category	Portfolio Amount (as of Q2 2025)	Percentage of Total Loans
Commercial Real Estate (CRE) Loans	$10.4 billion	52%
Residential Mortgages	$5.9 billion (Calculated: 30% of $19.8B)	30%
Commercial and Industrial (C&I) Loans	$3.2 billion (Calculated: 16% of $19.8B)	16%
Construction Loans	$0.4 billion (Calculated: 2% of $19.8B)	2%

The CRE portfolio itself shows a geographic concentration, with 46% in California and 35% in New York. That's a clear bet on those markets. The total loan portfolio stood at $19.8 billion at the end of Q2 2025.

Personalized, high-touch relationship banking model

Cathay General Bancorp competes by relying on personal contacts from its officers, directors, and employees, offering responsiveness to client needs that larger institutions might miss. This means you get service powered by well-trained employees working closely with you. The bank also offers extended hours on weekdays and Saturday banking at certain locations to help customers manage their finances.

International banking services supporting cross-border business

For businesses involved in international trade, Cathay General Bancorp provides necessary support through its established international network. This network helps facilitate cross-border operations for its client base, which includes small to medium-sized enterprises.

• One branch in Hong Kong.
• Three representative offices located in Beijing, Shanghai, and Taipei.

Financial stability with a Tier 1 risk-based capital ratio of 13.35% (Q2 2025)

A core value proposition is the bank's demonstrated financial strength, which gives clients confidence in the security of their deposits and the bank's ability to weather economic shifts. Regulators use capital ratios to gauge this strength, and Cathay General Bancorp remains comfortably above minimum requirements. As of June 30, 2025, the bank's capital position was:

The Tier 1 risk-based capital ratio was 13.35%. Also, the Total risk-based capital ratio stood at 14.92%, and the Tier 1 leverage capital ratio was 11.09%. That's a solid buffer, honestly.

Cathay General Bancorp (CATY) - Canvas Business Model: Customer Relationships

You're building a bank that thrives on deep, localized connections, which is exactly what Cathay General Bancorp (CATY) emphasizes in its customer relationships. This isn't just about transactions; it's about long-term partnership, especially with its core commercial clients.

Dedicated relationship managers for commercial and high-net-worth clients

For the commercial sector, which forms a significant part of the balance sheet, personalized service is key. The bank's structure supports this high-touch model, necessary for managing complex lending relationships. As of Q2 2025, Commercial and Industrial (C&I) loans accounted for 16% ($3.2 billion) of the gross loan portfolio, indicating a substantial base requiring dedicated attention beyond standard branch interactions. This level of service is what anchors the relationship with high-net-worth individuals and mid-sized enterprises.

Community-centric approach fostering long-term loyalty

Cathay General Bancorp's relationship strategy is deeply rooted in its community focus, which has been a defining characteristic since its founding. The physical footprint directly supports this. As of Q2 2025, Cathay Bank operated over 60 branches across nine U.S. states. The concentration of this physical presence shows where the bank invests its relationship capital: 31 branches are in California, and 8 branches are in New York, reflecting the heavy geographic concentration of its loan portfolio, with 46% of loans in California and 35% in New York as of Q2 2025. This localized presence helps foster the long-term loyalty that underpins its business.

The commitment extends globally to support internationally connected clients:

• Branch in Hong Kong.
• Representative offices in Beijing, Shanghai, and Taipei.

Hybrid model combining in-person branch service with digital access

The bank manages a hybrid model, balancing its strong physical presence with the efficiency of modern digital tools. This balance is reflected in its operational metrics. For the six months ended June 30, 2025, the efficiency ratio stood at 45.46%, suggesting strong cost control while maintaining a broad service network. This ratio indicates that the operational structure effectively supports both in-person relationship building and digital transaction processing. The goal is to ensure that whether a client is signing a complex commercial agreement in a private office or using a mobile app for daily deposits, the relationship experience remains consistent.

Advisory services for small-to-medium-sized business (SMB) owners

Serving SMB owners means going beyond simple lending. The bank provides a range of services that help these businesses manage their finances, which is crucial for retaining the commercial segment. The bank's focus on commercial lending, including the 16% C&I loans and the substantial Commercial Real Estate (CRE) portfolio (52% of loans as of Q2 2025), necessitates advisory support for planning and risk management. The overall financial health, with Q3 2025 net income at $77.7 million and a projected 2025 loan growth guidance of 3%-4%, shows the success of these client-focused lending and advisory efforts.

Here are some key figures underpinning the scale of the relationships Cathay General Bancorp manages as of mid-to-late 2025:

Metric	Value as of Q2 2025 or Latest	Context
Total Gross Loans	$19.78 billion	As of June 30, 2025, showing lending relationship size.
Commercial Real Estate (CRE) Loans	52% of Gross Loans	Represents a major segment requiring dedicated relationship management.
U.S. Branch Count	Over 60	The physical backbone of the community-centric approach.
Efficiency Ratio	45.34%	Q2 2025 figure, reflecting operational effectiveness in servicing relationships.
Diluted EPS	$1.13	Q3 2025 result, showing profitability derived from the client base.

The bank's ability to maintain a strong Net Interest Margin of 3.31% in Q3 2025, up from 3.27% in Q2 2025, is a direct result of managing its deposit costs effectively while servicing its loan book-a relationship management success.

The relationship strategy is further evidenced by these operational touchpoints:

• 31 branches concentrated in California.
• 8 branches concentrated in New York.
• Loan portfolio growth guidance for 2025 revised to 3%-4%.
• Market capitalization of $3.38B as of December 05, 2025.

Finance: review the Q3 2025 provision for credit losses of $28.7 million against the loan portfolio concentration for risk assessment by Monday.

Cathay General Bancorp (CATY) - Canvas Business Model: Channels

You're looking at how Cathay General Bancorp gets its services to its customers, which is a mix of traditional brick-and-mortar and modern digital access points. It's not just about where they are, but how many touchpoints they maintain across their core markets.

The physical branch network remains a key channel, particularly for the established customer base and complex commercial relationships. As of the detailed breakdown available near the end of 2024, Cathay General Bancorp operated a network spanning several states and international hubs. The concentration is heavily weighted toward California.

Here is the breakdown of the physical footprint, which serves as the foundation for in-person service delivery:

• Physical branches in Southern California: 24
• Physical branches in Northern California: 18
• Physical branches in New York State: 9
• Physical branches in Washington State: 4
• Physical branches in Illinois: 2
• Physical branches in Texas: 2
• Single branches in Maryland, Massachusetts, Nevada, and New Jersey: 1 each
• International presence included a branch in Hong Kong and representative offices in Beijing, Shanghai, and Taipei.

The total number of U.S. branches is stated as over 60 across nine states.

Digital banking platforms are the essential modern channel, supporting both retail and commercial customers through online and mobile access. The industry trend shows significant reliance on these tools; as of 2025, over 83% of U.S. adults have used digital banking services. For Cathay General Bancorp, this means their digital channels must support the core business, which is heavily reliant on lending. The company provides login access for both Personal Banking and Business Digital Banking. Globally, 72% of banking customers prefer using mobile apps for core services in 2025.

Direct sales through loan officers and business development teams are critical for driving the core revenue stream, which is net interest income from loans. While the exact headcount of loan officers isn't published quarterly, the output of this channel is visible in the loan growth figures. For instance, in the third quarter of 2025, total gross loans increased at a 6.6% annualized rate, driven by specific increases in commercial real estate (CRE) loans of $122 million and residential loans of $123 million. This direct engagement channel is clearly effective in expanding the loan portfolio.

For broad accessibility, ATMs and interbank networks are standard for any bank. While specific 2025 ATM network statistics for Cathay General Bancorp aren't readily available in the latest reports, the physical branch network itself implies a local ATM presence, supplemented by participation in wider networks to serve customers outside their immediate footprint.

Here's a summary of the concrete channel-related data points we can confirm for late 2025:

Channel Component	Metric/Value	Period/Context
Total U.S. Branches	Over 60	As of early/mid-2025
Primary U.S. State Branch Count (CA)	42 (24 South + 18 North)	As of late 2024
New York State Branches	9	As of late 2024
U.S. Adult Digital Banking Usage	Over 83%	As of 2025
Customer Mobile App Preference (Global)	72%	As of 2025
Q3 2025 CRE Loan Increase (Direct Sales Output)	$122 million	Q3 2025
Q3 2025 Residential Loan Increase (Direct Sales Output)	$123 million	Q3 2025

The efficiency ratio for the first six months of 2025 was 45.46%, suggesting that the mix of channels is operating with relatively low overhead compared to the prior year's 54.45% for the same period in 2024.

The bank's digital platforms support online banking and mobile access, which is crucial given that 77% of consumers prefer to manage accounts via mobile app or computer.

Cathay General Bancorp (CATY) - Canvas Business Model: Customer Segments

You're looking at the core clientele Cathay General Bancorp serves, which is deeply rooted in community banking, especially within Asian American demographics. This focus isn't new; it's been the bank's defining characteristic since it started back in 1962, aiming to fill service gaps for this specific group. Still, the bank has definitely broadened its appeal beyond its initial base to include a wider range of businesses and individuals who value that culturally sensitive, personalized approach.

The composition of Cathay General Bancorp's loan book gives you a clear picture of its primary business and investor customer segments as of mid-2025. Commercial Real Estate (CRE) is the single biggest focus area.

Loan Category	Balance as of Q2 2025	Percentage of Total Gross Loans
Commercial Real Estate (CRE) Loans	$10.4 billion	52%
Residential Mortgages	$5.9 billion	30%
Commercial and Industrial (C&I) Loans	$3.2 billion	16%
Construction Loans	N/A	2%

This concentration shows you that commercial real estate investors and developers are a critical segment. That CRE portfolio, totaling $10.4 billion as of the second quarter of 2025, is geographically concentrated, with 46% in California and 35% in New York. To be fair, management has noted that the blended loan-to-value ratio across the CRE book looks healthy, sitting at less than 50%.

For individuals and families within the Chinese-American community and others, their financial relationship is reflected in the deposit base. Deposits are the lifeblood, and the mix tells a story about customer preference for holding funds. As of the third quarter of 2025, total deposits reached $20.006 billion.

• Time deposits represented nearly 50% of the total deposit mix in Q3 2025.
• Non-interest-bearing demand deposits stood at $3.574 billion as of September 30, 2025.
• Non-interest-bearing balances made up less than 20% of the overall deposit mix in Q3 2025.

The focus on Small and medium-sized businesses (SMBs), especially those owned by Asian Americans, is largely captured within the Commercial and Industrial (C&I) loan segment, which accounted for $3.2 billion, or 16%, of the portfolio in Q2 2025. This segment relies on the bank's deep understanding of the community's entrepreneurial base.

High-net-worth individuals seeking wealth management services contribute to the non-interest income line. For instance, in the second quarter of 2025, total noninterest income was $15.4 million. While specific Assets Under Management (AUM) for this segment at Cathay General Bancorp isn't explicitly broken out in the latest reports, the fee-based income stream confirms this service line is an active part of serving wealthier clients.

Cathay General Bancorp (CATY) - Canvas Business Model: Cost Structure

You're looking at the cost side of Cathay General Bancorp's operations as of late 2025. For a bank, the cost structure is fundamentally driven by funding costs and operating expenses to maintain its physical and digital presence. Here's a breakdown based on the latest reported figures from the third quarter of 2025.

Interest expense on deposits and borrowings is definitely a key variable, directly tied to the rates Cathay General Bancorp pays to keep its $20.52 billion in total deposits and other borrowings. The CFO noted that Net Interest Income growth was partially offset by an increase in deposit expense during Q3 2025, reflecting the competitive pricing environment for deposits. For context, the cost of interest-bearing deposits in Q3 2025 was reported at 3.28%.

The overall operating costs, categorized as Non-interest expenses, are well-documented, showing a slight sequential decrease in Q3 2025.

The total Non-interest expenses for the third quarter of 2025 were $88.117 million. This figure reflects the costs associated with running the bank's network and administrative functions, excluding the interest paid on funding.

Here is the component breakdown of that non-interest expense for Q3 2025 (amounts in millions USD):

Cost Component	Q3 2025 Amount ($mn)
Salaries and employee benefits	$43.462
Amortization of investments in low income housing and alternative energy partnerships	$12.149
Occupancy expense	$6.104
Professional services expense	$7.360
Computer and equipment expense	$5.760
Data processing service expense	$3.991
FDIC and State assessments	$2.783

The Provision for credit losses, which is a charge against earnings to cover expected future loan losses, saw a significant step-up in Q3 2025. The amount recorded was $28.7 million. This provision was influenced by specific factors, including an additional reserve of $9.1 million for two movie theatre loans and $3.8 million from a change in the Current Expected Credit Losses (CECL) model.

Regarding the physical footprint, the Salaries, benefits, and occupancy costs for the branch network are a major part of the non-interest expense base. Specifically for Q3 2025, the combined cost was:

• Salaries and employee benefits: $43.462 million
• Occupancy expense: $6.104 million

Cathay General Bancorp supports this network with over 60 branches across the nation.

The Amortization expense on tax-advantaged investments, specifically for investments in low-income housing and alternative energy partnerships, was a notable cost component within non-interest expense for the quarter, totaling $12.149 million in Q3 2025. This expense is directly linked to the tax benefits these investments generate, which helps lower the effective tax rate.

Finance: review the Q4 2025 expense forecast against the Q3 2025 actuals by next Tuesday.

Cathay General Bancorp (CATY) - Canvas Business Model: Revenue Streams

You're looking at how Cathay General Bancorp generates its top line as of late 2025. The primary engine remains the spread between what they earn on assets and what they pay for liabilities. For the third quarter of 2025, Net Interest Income (NII) before provision for credit losses stood at $189.6 million. This was supported by an improved net interest margin of 3.31% for Q3 2025, up from 3.27% in Q2 2025, which management attributed to a lower cost of funds.

The asset base driving this NII is substantial, with gross loans held for investment reaching $20.10 billion as of September 30, 2025. The loan portfolio has significant exposure to commercial real estate (CRE) and residential mortgages, which contributed to the $320 million quarter-over-quarter loan growth.

The second major component of revenue is Non-interest income, which totaled $21 million in Q3 2025, a jump of $5.6 million from the $15.4 million reported in Q2 2025. Honestly, while fee income is a consistent stream, the big swing this quarter came from a $4.7 million change in mark-to-market unrealized gain on equity securities in Q3, moving from an unrealized loss in Q2. Still, the underlying fee-based services are key to stability.

Here's a quick look at the loan portfolio composition that generates that interest income:

Loan Type	Balance as of Q3 2025 (Millions USD)
Commercial Real Estate (CRE) Loans	$10,840
Commercial Loans (Non-CRE)	$3,212.907
Construction Loans	$356.215
Total Gross Loans Held for Investment	$20,100

The non-interest income bucket is comprised of several fee-related activities, even if the quarterly fluctuations are driven by market movements in securities. You can expect revenue from:

• Service charges on deposit accounts
• Treasury management fees
• Wealth management fees, which saw a notable increase contributing to the Q3 total
• Commissions from letters of credit

The efficiency ratio, which measures non-interest expense against total operating revenue (NII before provision plus non-interest income), improved to 41.84% in Q3 2025 from 45.34% in Q2 2025, showing better operational leverage. That's a concrete sign of cost discipline helping the bottom line, even with provisioning volatility.

Finance: draft the Q4 2025 forecast for fee income components by next Tuesday.