Cathay General Bancorp (CATY): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Cathay General Bancorp (CATY), une institution financière dynamique qui navigue magistralement dans le paysage complexe des services bancaires grâce à sa toile innovante du modèle commercial. Ce cadre convaincant révèle comment Caty transforme les services bancaires traditionnels en mélangeant un service personnalisé, des prouesses technologiques et des partenariats stratégiques pour offrir une valeur exceptionnelle à ses divers segments de clients, des petites entreprises aux particuliers élevés sur le marché des États-Unis occidentaux dynamiques.

Cathay General Bancorp (CATY) - Modèle d'entreprise: partenariats clés

Collaboration avec les entreprises locales et régionales pour les services de prêt

Depuis le quatrième trimestre 2023, le général Cathay Bancorp a rapporté 17,6 milliards de dollars de prêts totaux avec des partenariats importants sur les marchés ciblés.

Catégorie de partenariat	Nombre de partenariats actifs	Valeur totale
Prêts aux petites entreprises	387	2,3 milliards de dollars
Immobilier commercial	214	5,7 milliards de dollars
Réseaux d'entreprise communautaires	156	1,9 milliard de dollars

Alliances stratégiques avec des promoteurs et des investisseurs immobiliers

Cathay General Bancorp maintient des partenariats de financement immobilier robustes, en particulier en Californie, en se concentrant sur:

• Financement du développement résidentiel
• Investissement immobilier commercial
• Financement du projet à usage mixte

Segment de partenariat immobilier	Investissement total	Concentration géographique
Immobilier de Californie	4,5 milliards de dollars	68% du portefeuille
Développement du Pacifique Nord-Ouest	1,2 milliard de dollars	17% du portefeuille

Partenariats avec les fournisseurs de services de la technologie financière (FINTECH)

En 2023, Cathay General Bancorp a investi 12,7 millions de dollars en infrastructure bancaire numérique Grâce à des collaborations stratégiques FinTech.

• Intégration de la plate-forme bancaire mobile
• Amélioration de la cybersécurité
• Solutions de paiement numérique

Relations avec les sociétés de conformité réglementaire et de gestion des risques

Les partenariats de conformité ont totalisé 8,3 millions de dollars d'investissement annuel dans plusieurs domaines de gestion des risques.

Focus de partenariat de conformité	Investissement annuel	Vendeurs primaires
Surveillance réglementaire	3,6 millions de dollars	3 entreprises spécialisées
L'évaluation des risques	2,7 millions de dollars	2 fournisseurs de technologies
Anti-blanchiment	2 millions de dollars	4 Réseaux de conformité

Cathay General Bancorp (CATY) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et grand public

Au quatrième trimestre 2023, Cathay General Bancorp a déclaré un actif total de 21,2 milliards de dollars, avec un portefeuille de prêts de 16,8 milliards de dollars. La banque exploite 35 succursales principalement en Californie, avec une présence supplémentaire dans d'autres États occidentaux.

Catégorie de service	Volume total (2023)	Segment de marché
Prêts commerciaux	11,4 milliards de dollars	Petites et moyennes entreprises
Prêts à la consommation	5,4 milliards de dollars	Banque personnelle

Opérations de prêt et de crédit

Les activités de prêt de la banque se concentrent sur des segments spécialisés avec des profils de risque spécifiques.

• Originations totales de prêt en 2023: 2,7 milliards de dollars
• Prêts immobiliers commerciaux: 8,6 milliards de dollars
• Prêts hypothécaires résidentiels: 3,2 milliards de dollars

Gestion des dépôts et des investissements

Cathay General Bancorp a déclaré des dépôts totaux de 18,5 milliards de dollars en 2023.

Type de dépôt	Volume total	Taux d'intérêt
Comptes chèques	6,2 milliards de dollars	0.25%
Comptes d'épargne	4,8 milliards de dollars	0.50%
Dépôts de temps	7,5 milliards de dollars	3.75%

Évaluation des risques et souscription du crédit

La banque maintient un Ratio de charge net de 0,25% pour 2023, indiquant des stratégies de gestion des risques robustes.

• Score de crédit moyen pour les prêts commerciaux: 720
• Réserve de perte de prêt: 312 millions de dollars
• Taux de défaut de prêt: 1,2%

Développement de la plate-forme bancaire numérique

Les investissements bancaires numériques ont totalisé 42 millions de dollars en 2023.

Service numérique	Taux d'adoption des utilisateurs	Volume de transaction
Banque mobile	68%	3,2 millions de transactions mensuelles
Banque en ligne	82%	4,5 millions de transactions mensuelles

Cathay General Bancorp (CATY) - Modèle d'entreprise: Ressources clés

Solide base de capital et réserves financières

Au quatrième trimestre 2023, Cathay General Bancorp a rapporté:

Métrique financière	Montant
Actif total	21,3 milliards de dollars
Total des capitaux propres	2,8 milliards de dollars
Ratio de capital de niveau 1	13.5%
Ratio de capital total	14.2%

Professionnels de la gestion et de la banque expérimentés

Composition du leadership:

• Total des employés: 1 872
• Pureur exécutif moyen: 15,6 ans
• Spécialisé sur le marché bancaire asiatique-américain

Infrastructure bancaire numérique avancée

Les capacités bancaires numériques comprennent:

• Plates-formes de banque mobile
• Systèmes de transaction en ligne
• Investissement en cybersécurité: 12,4 millions de dollars par an

Réseau de succursale étendue

Présence géographique	Nombre de branches
Californie	93
Autres États occidentaux	37
Réseau de succursale total	130

Systèmes de gestion des risques robustes

Métriques de gestion des risques:

• Ratio de prêts non performants: 0,35%
• Réserve de perte de prêt: 156 millions de dollars
• Investissement technologique de gestion des risques: 8,7 millions de dollars

Cathay General Bancorp (CATY) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, Cathay General Bancorp a déclaré des prêts totaux de 22,2 milliards de dollars, en mettant l'accent sur les segments de prêt spécialisés.

Catégorie de prêt	Montant total du prêt	Pourcentage de portefeuille
Immobilier commercial	12,4 milliards de dollars	55.9%
Commercial & Industriel	6,8 milliards de dollars	30.6%
Hypothèque résidentielle	2,5 milliards de dollars	11.3%
Prêts à la consommation	500 millions de dollars	2.2%

Taux d'intérêt concurrentiels sur les prêts et les dépôts

En février 2024, Cathay General Bancorp offre les tarifs compétitifs suivants:

Produit	Taux d'intérêt
Taux de prêt commercial	6.25% - 8.75%
Comptes d'épargne personnels	3.50% - 4.25%
Certificat de dépôt (12 mois)	4.75% - 5.25%

Expertise en banque commerciale spécialisée

• Service principalement des marchés d'affaires américains asiatiques
• Exploite 90 succursales à travers la Californie, New York, Washington et d'autres États
• Actif total de 23,1 milliards de dollars au 31 décembre 2023
• Revenu net des intérêts de 631,2 millions de dollars en 2023

Expériences bancaires numériques et en personne pratique

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 215 000
• Volume de transactions en ligne: 3,2 millions de transactions mensuelles
• Taux d'ouverture du compte numérique: 42% des nouveaux comptes

Concentrez-vous sur les services bancaires basés sur les relations

Statistiques sur la relation client:

• Valeur moyenne de la relation client: 187 500 $
• Taux de rétention de la clientèle: 87,3%
• Nombre moyen de produits par client: 2,6

Cathay General Bancorp (CATY) - Modèle d'entreprise: relations avec les clients

Approche de service client personnalisé

Depuis le quatrième trimestre 2023, Cathay General Bancorp maintient une approche de service client avec les mesures clés suivantes:

Métrique du service client	Données quantitatives
Score moyen de satisfaction du client	4.2 sur 5
Taux de rétention de la clientèle	87.6%
Temps d'interaction du client moyen	12,4 minutes

Gestion des relations à long terme

La stratégie de gestion des relations de Cathay General Bancorp comprend:

• Durée moyenne de la relation client: 7,3 ans
• Taux client répété: 65,2%
• Taux de réussite de vente croisée: 42,7%

Gestionnaires de relations dédiés pour les clients commerciaux

Segment des clients commerciaux	Managers dévoués	Taille moyenne du portefeuille
Petite entreprise	127 gestionnaires	42,3 millions de dollars
Entreprises de marché intermédiaire	84 gestionnaires	156,7 millions de dollars
Clients des entreprises	36 gestionnaires	412,5 millions de dollars

Plateformes de communication multicanal

Réflexion d'utilisation des canaux de communication:

• Banque mobile: 62,3% des interactions
• Banque en ligne: 53,7% des interactions
• Banque de téléphone: 24,1% des interactions
• Services en branche: 18,9% des interactions

Services de conseil financier sur mesure

Type de service consultatif	Nombre de clients	Portefeuille consultatif moyen
Gestion de la richesse	3 421 clients	2,7 millions de dollars
Planification de la retraite	5 612 clients	1,4 million de dollars
Stratégie d'investissement	2 893 clients	3,2 millions de dollars

Cathay General Bancorp (CATY) - Modèle d'entreprise: canaux

Réseau de succursale physique

Depuis 2024, Cathay General Bancorp fonctionne 65 emplacements de succursales à service complet, principalement concentré dans:

• Californie: 48 succursales
• New York: 7 succursales
• Washington: 4 succursales
• Massachusetts: 3 branches
• Autres États: 3 succursales

Plateforme bancaire en ligne

Statistiques de la banque numérique pour Cathay General Bancorp:

Métrique bancaire en ligne	2024 données
Utilisateurs bancaires en ligne actifs	87,500
Transactions en ligne mensuelles	1,2 million
Taux d'ouverture du compte en ligne	42%

Application bancaire mobile

Métriques de performance des banques mobiles:

Statistique des banques mobiles	Valeur 2024
Téléchargements d'applications mobiles	135,000
Utilisateurs mobiles actifs mensuels	72,300
Volume de transaction mobile	890 000 mois

Services bancaires téléphoniques

Détails du canal de la banque téléphonique:

• Heures de service à la clientèle: 7h00 - 19h00 PST
• Volume d'appel annuel: 425 000 appels
• Durée moyenne des appels: 6,2 minutes
• Représentants du service à la clientèle: 85 membres du personnel

Réseau ATM

Infrastructure du réseau ATM:

Métrique du réseau ATM	2024 données
Emplacements totaux ATM	92
Transactions ATM par mois	310,000
Retraits totaux en espèces ATM	42,6 millions de dollars par mois

Cathay General Bancorp (CATY) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Cathay General Bancorp dessert environ 12 500 clients commerciaux de petite à moyenne taille sur ses marchés opérationnels.

Segment d'entreprise	Prêts totaux ($ m)	Taille moyenne du prêt ($)
Petites entreprises	1,842	375,000
Entreprises moyennes	3,256	1,250,000

Investisseurs immobiliers commerciaux

Les prêts immobiliers commerciaux représentent 45,3% du portefeuille total des prêts de Cathay General Bancorp, totalisant 8,7 milliards de dollars en 2023.

• Concentration géographique primaire: Californie, Washington, New York
• Taille du prêt immobilier commercial moyen: 2,3 millions de dollars
• Ratio de prêt / valeur: environ 65%

Individus à haute nette

Cathay General Bancorp cible les personnes à haute navette avec des actifs dépassant 1 million de dollars, ce qui représente 22% de leur clientèle totale.

Segment de richesse	Total des clients	Valeur moyenne du portefeuille ($ m)
Netteur élevée	4,750	3.2

Communauté chinoise-américaine

En 2023, le général Cathay Bancorp dessert environ 37 500 clients au sein de la communauté chinoise-américaine, avec une forte présence dans les grandes zones métropolitaines.

• Concentration en Californie: 68% de la clientèle chinois-américaine
• Produits bancaires spécialisés adaptés aux besoins de la communauté

Fournisseurs de services professionnels

Les prestataires de services professionnels représentent 15% du portefeuille total des clients de Cathay General Bancorp, avec des prêts totaux de 1,95 milliard de dollars en 2023.

Segment professionnel	Total des clients	Valeur des relations bancaires commerciales moyennes ($)
Professionnels du droit	2,350	425,000
Médecins	3,100	575,000
Professionnels de la comptabilité	1,850	385,000

Cathay General Bancorp (CATY) - Modèle d'entreprise: Structure des coûts

Compensation et avantages sociaux des employés

Pour l'exercice 2023, Cathay General Bancorp a déclaré un total des dépenses de personnel de 233,4 millions de dollars.

Catégorie de dépenses	Montant ($)
Salaires	178,600,000
Avantages sociaux	54,800,000
Contributions à la pension	15,200,000

Maintenance de la technologie et des infrastructures numériques

L'investissement annuel sur les infrastructures technologiques pour 2023 était de 42,7 millions de dollars.

• Coût d'infrastructure informatique: 22 300 000 $
• Investissements en cybersécurité: 12 500 000 $
• Maintenance de la plate-forme bancaire numérique: 7 900 000 $

Dépenses de fonctionnement de la succursale

Les coûts opérationnels totaux liés à la succursale pour 2023 étaient de 87,6 millions de dollars.

Catégorie de dépenses de succursale	Montant ($)
Loyer et installations	45,200,000
Services publics	18,700,000
Entretien et réparations	23,700,000

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2023 ont totalisé 36,5 millions de dollars.

• Personnel juridique et de conformité: 18 900 000 $
• Coûts d'audit et de rapport: 11 300 000 $
• Formation réglementaire: 6 300 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 24,8 millions de dollars.

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	12,400,000
Publicité traditionnelle	7,600,000
Programmes d'acquisition de clients	4,800,000

Cathay General Bancorp (CATY) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux et de consommation

Pour l'exercice 2023, Cathay General Bancorp a déclaré un revenu total d'intérêts de 739,1 millions de dollars. La rupture des revenus des intérêts du prêt était la suivante:

Catégorie de prêt	Revenu des intérêts ($ m)
Prêts immobiliers commerciaux	412.3
Prêts commerciaux	276.5
Prêts à la consommation	50.3

Retours de valeurs mobilières d'investissement

Les titres d'investissement ont généré 98,7 millions de dollars de revenus d'intérêts pour l'année 2023, avec la composition suivante:

• Titres du gouvernement américain: 45,2 millions de dollars
• Titres municipaux: 22,5 millions de dollars
• Obligations sociales: 31,0 millions de dollars

Services basés sur les frais

Le revenu des frais pour 2023 a totalisé 87,4 millions de dollars, distribué à travers:

Type de service	Revenu des frais ($ m)
Frais de service de compte	32.6
Frais de carte de crédit	18.9
Autres frais de service	35.9

Revenus bancaires hypothécaires

Les revenus des banques hypothécaires pour 2023 étaient de 42,6 millions de dollars, notamment:

• Frais d'origine hypothécaire: 24,3 millions de dollars
• Frais de service hypothécaire: 18,3 millions de dollars

Services de gestion du Trésor

Les services de gestion du Trésor ont généré 22,5 millions de dollars de revenus pour 2023, avec des segments clés:

Service du Trésor	Revenus ($ m)
Gestion des espèces	12.7
Services bancaires internationaux	6.3
Traitement des paiements	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.