Cathay General Bancorp (CATY): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico do Cathay General Bancorp (CATY), uma instituição financeira dinâmica que navega magistralmente no complexo cenário do setor bancário por meio de sua inovadora tela de modelo de negócios. Essa estrutura atraente revela como o CATY transforma bancos tradicionais, misturando serviço personalizado, proezas tecnológicas e parcerias estratégicas para oferecer valor excepcional aos seus diversos segmentos de clientes, de pequenas empresas a indivíduos de alto patrimônio no vibrante mercado do oeste dos Estados Unidos.

Cathay General Bancorp (CATY) - Modelo de negócios: Parcerias -chave

Colaboração com empresas locais e regionais para serviços de empréstimos

A partir do quarto trimestre 2023, relatou Cathay General Bancorp US $ 17,6 bilhões em empréstimos totais com parcerias significativas nos mercados direcionados.

Categoria de parceria	Número de parcerias ativas	Valor total
Empréstimos para pequenas empresas	387	US $ 2,3 bilhões
Imóveis comerciais	214	US $ 5,7 bilhões
Redes de negócios comunitários	156	US $ 1,9 bilhão

Alianças estratégicas com promotores e investidores imobiliários

Cathay General Bancorp mantém parcerias robustas de financiamento imobiliário, particularmente na Califórnia, com foco em:

• Financiamento de desenvolvimento residencial
• Investimento de propriedade comercial
• Financiamento do projeto de uso misto

Segmento de parceria imobiliária	Investimento total	Concentração geográfica
California Real Estate	US $ 4,5 bilhões	68% do portfólio
Desenvolvimento do Noroeste do Pacífico	US $ 1,2 bilhão	17% do portfólio

Parcerias com provedores de serviços de tecnologia financeira (fintech)

Em 2023, Cathay General Bancorp investiu US $ 12,7 milhões em infraestrutura bancária digital através de colaborações estratégicas de fintech.

• Integração da plataforma bancária móvel
• Aprimoramento da segurança cibernética
• Soluções de pagamento digital

Relacionamentos com empresas de conformidade regulatória e gerenciamento de riscos

As parcerias de conformidade totalizaram US $ 8,3 milhões em investimento anual em vários domínios de gerenciamento de riscos.

Foco em parceria de conformidade	Investimento anual	Fornecedores primários
Monitoramento regulatório	US $ 3,6 milhões	3 empresas especializadas
Avaliação de risco	US $ 2,7 milhões	2 provedores de tecnologia
Lavagem anti-dinheiro	US $ 2 milhões	4 redes de conformidade

Cathay General Bancorp (CATY) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre de 2023, a Cathay General Bancorp registrou ativos totais de US $ 21,2 bilhões, com uma carteira de empréstimos de US $ 16,8 bilhões. O banco opera 35 agências principalmente na Califórnia, com presença adicional em outros estados ocidentais.

Categoria de serviço	Volume total (2023)	Segmento de mercado
Empréstimos comerciais	US $ 11,4 bilhões	Pequenas a médias empresas
Empréstimos ao consumidor	US $ 5,4 bilhões	Bancos pessoais

Operações de empréstimos e crédito

As atividades de empréstimos do banco se concentram em segmentos especializados com perfis de risco específicos.

• Origenas totais de empréstimos em 2023: US $ 2,7 bilhões
• Empréstimos imobiliários comerciais: US $ 8,6 bilhões
• Empréstimos de hipoteca residencial: US $ 3,2 bilhões

Gerenciamento de depósito e investimento

O Cathay General Bancorp registrou depósitos totais de US $ 18,5 bilhões em 2023.

Tipo de depósito	Volume total	Taxa de juro
Contas de verificação	US $ 6,2 bilhões	0.25%
Contas de poupança	US $ 4,8 bilhões	0.50%
Depósitos de tempo	US $ 7,5 bilhões	3.75%

Avaliação de risco e subscrição de crédito

O banco mantém um taxa de carga líquida de 0,25% para 2023, indicando estratégias robustas de gerenciamento de riscos.

• Pontuação de crédito médio para empréstimos comerciais: 720
• Reserva de perda de empréstimo: US $ 312 milhões
• Taxa de padrão de empréstimo: 1,2%

Desenvolvimento da plataforma bancária digital

Os investimentos em bancos digitais totalizaram US $ 42 milhões em 2023.

Serviço digital	Taxa de adoção do usuário	Volume de transação
Mobile Banking	68%	3,2 milhões de transações mensais
Bancos online	82%	4,5 milhões de transações mensais

Cathay General Bancorp (CATY) - Modelo de negócios: Recursos -chave

Base de capital forte e reservas financeiras

A partir do quarto trimestre 2023, Cathay General Bancorp informou:

Métrica financeira	Quantia
Total de ativos	US $ 21,3 bilhões
Patrimônio total	US $ 2,8 bilhões
Índice de capital de camada 1	13.5%
Índice de capital total	14.2%

Profissionais de gestão e bancos experientes

Composição de liderança:

• Total de funcionários: 1.872
• PRODIÇÃO EXECUTIVO Média: 15,6 anos
• Especializado em mercado bancário asiático-americano

Infraestrutura bancária digital avançada

Os recursos bancários digitais incluem:

• Plataformas bancárias móveis
• Sistemas de transação online
• Investimento de segurança cibernética: US $ 12,4 milhões anualmente

Extensa rede de filiais

Presença geográfica	Número de ramificações
Califórnia	93
Outros estados ocidentais	37
Rede total de ramificação	130

Sistemas robustos de gerenciamento de riscos

Métricas de gerenciamento de riscos:

• Razão de empréstimos não-desempenho: 0,35%
• Reserva de perda de empréstimo: US $ 156 milhões
• Investimento em tecnologia de gerenciamento de riscos: US $ 8,7 milhões

Cathay General Bancorp (CATY) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos

A partir do quarto trimestre de 2023, o Cathay General Bancorp registrou empréstimos totais de US $ 22,2 bilhões, com foco em segmentos de empréstimos especializados.

Categoria de empréstimo	Valor total do empréstimo	Porcentagem de portfólio
Imóveis comerciais	US $ 12,4 bilhões	55.9%
Comercial & Industrial	US $ 6,8 bilhões	30.6%
Hipoteca residencial	US $ 2,5 bilhões	11.3%
Empréstimos ao consumidor	US $ 500 milhões	2.2%

Taxas de juros competitivas em empréstimos e depósitos

Em fevereiro de 2024, o Cathay General Bancorp oferece as seguintes taxas competitivas:

Produto	Taxa de juro
Taxas de empréstimos comerciais	6.25% - 8.75%
Contas de poupança pessoal	3.50% - 4.25%
Certificado de depósito (12 meses)	4.75% - 5.25%

Experiência bancária comercial especializada

• Serve Principalmente mercados empresariais asiáticos-americanos
• Opera 90 filiais em toda a Califórnia, Nova York, Washington e outros estados
• Total de ativos de US $ 23,1 bilhões em 31 de dezembro de 2023
• Receita de juros líquidos de US $ 631,2 milhões em 2023

Experiências bancárias digitais e pessoais convenientes

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 215.000
• Volume de transações online: 3,2 milhões de transações mensais
• Taxa de abertura da conta digital: 42% das novas contas

Concentre-se em serviços bancários baseados em relacionamento

Estatísticas de relacionamento com o cliente:

• Valor médio do relacionamento do cliente: $ 187.500
• Taxa de retenção de clientes: 87,3%
• Número médio de produtos por cliente: 2.6

Cathay General Bancorp (CATY) - Modelo de Negócios: Relacionamentos ao Cliente

Abordagem personalizada de atendimento ao cliente

A partir do quarto trimestre 2023, Cathay General Bancorp mantém uma abordagem de atendimento ao cliente com as seguintes métricas -chave:

Métrica de atendimento ao cliente	Dados quantitativos
Pontuação média de satisfação do cliente	4.2 de 5
Taxa de retenção de clientes	87.6%
Tempo médio de interação do cliente	12,4 minutos

Gerenciamento de relacionamento de longo prazo

A estratégia de gerenciamento de relacionamento de Cathay General Bancorp inclui:

• Duração média do relacionamento do cliente: 7,3 anos
• Taxa repetida do cliente: 65,2%
• Taxa de sucesso da venda cruzada: 42,7%

Gerentes de relacionamento dedicados para clientes de negócios

Segmento de clientes de negócios	Gerentes dedicados	Tamanho médio do portfólio
Pequenas empresas	127 gerentes	US $ 42,3 milhões
Empresas do mercado intermediário	84 gerentes	US $ 156,7 milhões
Clientes corporativos	36 gerentes	US $ 412,5 milhões

Plataformas de comunicação multicanais

Redução de uso do canal de comunicação:

• Mobile Banking: 62,3% das interações
• Banco online: 53,7% das interações
• Banco telefônico: 24,1% das interações
• Serviços em ramo: 18,9% das interações

Serviços de consultoria financeira personalizada

Tipo de serviço de consultoria	Número de clientes	Portfólio de consultoria média
Gestão de patrimônio	3.421 clientes	US $ 2,7 milhões
Planejamento de aposentadoria	5.612 clientes	US $ 1,4 milhão
Estratégia de investimento	2.893 clientes	US $ 3,2 milhões

Cathay General Bancorp (CATY) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, Cathay General Bancorp opera 65 locais de ramificação de serviço completo, principalmente concentrado em:

• Califórnia: 48 filiais
• Nova York: 7 filiais
• Washington: 4 ramos
• Massachusetts: 3 galhos
• Outros estados: 3 ramos

Plataforma bancária online

Estatísticas bancárias digitais para Cathay General Bancorp:

Métrica bancária online	2024 dados
Usuários bancários online ativos	87,500
Transações online mensais	1,2 milhão
Taxa de abertura da conta on -line	42%

Aplicativo bancário móvel

Métricas de desempenho bancário móvel:

Estatística bancária móvel	2024 Valor
Downloads de aplicativos móveis	135,000
Usuários de celular ativos mensais	72,300
Volume de transação móvel	890.000 mensais

Serviços bancários telefônicos

Detalhes do canal bancário telefônico:

• Horário de atendimento ao cliente: 7:00 - 19:00 PST
• Volume anual de chamada: 425.000 chamadas
• Duração média da chamada: 6,2 minutos
• Representantes de atendimento ao cliente: 85 funcionários

Rede ATM

Infraestrutura de rede ATM:

Métrica de rede atm	2024 dados
Locais totais de atm	92
Transações ATM por mês	310,000
Total de retirada em dinheiro em caixas eletrônicos	US $ 42,6 milhões mensais

Cathay General Bancorp (CATY) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Cathay General Bancorp atende a aproximadamente 12.500 clientes comerciais pequenos e médios em seus mercados operacionais.

Segmento de negócios	Empréstimos totais ($ m)	Tamanho médio do empréstimo ($)
Pequenas empresas	1,842	375,000
Médias empresas	3,256	1,250,000

Investidores imobiliários comerciais

Os empréstimos imobiliários comerciais representam 45,3% da carteira total de empréstimos da Cathay General Bancorp, totalizando US $ 8,7 bilhões em 2023.

• Concentração geográfica primária: Califórnia, Washington, Nova York
• Tamanho médio do empréstimo imobiliário comercial: US $ 2,3 milhões
• Relação empréstimo / valor: aproximadamente 65%

Indivíduos de alta rede

O Cathay General Bancorp tem como alvo indivíduos de alta rede com ativos superiores a US $ 1 milhão, representando 22% de sua base total de clientes.

Segmento de riqueza	Total de clientes	Valor médio do portfólio ($ m)
Alta rede	4,750	3.2

Comunidade chinesa-americana

A partir de 2023, o Cathay General Bancorp atende a aproximadamente 37.500 clientes na comunidade chinesa-americana, com uma forte presença nas principais áreas metropolitanas.

• Concentração na Califórnia: 68% da base de clientes chineses-americanos
• Produtos bancários especializados adaptados às necessidades da comunidade

Provedores de serviços profissionais

Os provedores de serviços profissionais constituem 15% do portfólio total de clientes da Cathay General Bancorp, com empréstimos totais de US $ 1,95 bilhão em 2023.

Segmento profissional	Total de clientes	Valor médio de relacionamento bancário de negócios ($)
Profissionais do direito	2,350	425,000
Médicos	3,100	575,000
Profissionais de contabilidade	1,850	385,000

Cathay General Bancorp (CATY) - Modelo de negócios: estrutura de custos

Compensação e benefícios dos funcionários

Para o ano fiscal de 2023, o Cathay General Bancorp registrou despesas totais de pessoal de US $ 233,4 milhões.

Categoria de despesa	Valor ($)
Salários	178,600,000
Benefícios dos funcionários	54,800,000
Contribuições de pensão	15,200,000

Manutenção de tecnologia e infraestrutura digital

O investimento anual de infraestrutura de tecnologia para 2023 foi de US $ 42,7 milhões.

• Custos de infraestrutura de TI: US $ 22.300.000
• Investimentos de segurança cibernética: US $ 12.500.000
• Manutenção da plataforma bancária digital: US $ 7.900.000

Despesas de operação de ramificação

Os custos operacionais totais relacionados à filial para 2023 foram de US $ 87,6 milhões.

Categoria de despesa de ramificação	Valor ($)
Aluguel e instalações	45,200,000
Utilitários	18,700,000
Manutenção e reparos	23,700,000

Custos de conformidade regulatória

As despesas de conformidade regulatória de 2023 totalizaram US $ 36,5 milhões.

• Equipe legal e de conformidade: US $ 18.900.000
• Custos de auditoria e relatório: US $ 11.300.000
• Treinamento regulatório: US $ 6.300.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 24,8 milhões.

Categoria de despesa de marketing	Valor ($)
Marketing digital	12,400,000
Publicidade tradicional	7,600,000
Programas de aquisição de clientes	4,800,000

Cathay General Bancorp (CATY) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais e de consumo

Para o ano fiscal de 2023, a Cathay General Bancorp registrou receita total de juros de US $ 739,1 milhões. A repartição da receita de juros do empréstimo foi a seguinte:

Categoria de empréstimo	Receita de juros ($ m)
Empréstimos imobiliários comerciais	412.3
Empréstimos comerciais comerciais	276.5
Empréstimos ao consumidor	50.3

Retornos de títulos de investimento

Os títulos de investimento geraram US $ 98,7 milhões em receita de juros para o ano de 2023, com a seguinte composição:

• Títulos do governo dos EUA: US $ 45,2 milhões
• Títulos municipais: US $ 22,5 milhões
• Títulos corporativos: US $ 31,0 milhões

Serviços baseados em taxas

A receita da taxa de 2023 totalizou US $ 87,4 milhões, distribuída:

Tipo de serviço	Receita de taxa ($ m)
Taxas de serviço da conta	32.6
Taxas de cartão de crédito	18.9
Outros cobranças de serviço	35.9

Receitas bancárias de hipotecas

As receitas bancárias de hipotecas para 2023 foram de US $ 42,6 milhões, incluindo:

• Taxas de originação hipotecária: US $ 24,3 milhões
• Taxas de manutenção de hipotecas: US $ 18,3 milhões

Serviços de Gerenciamento do Tesouro

Os serviços de gerenciamento do tesouro geraram US $ 22,5 milhões em receita para 2023, com os principais segmentos:

Serviço do Tesouro	Receita ($ m)
Gerenciamento de caixa	12.7
Serviços bancários internacionais	6.3
Processamento de pagamento	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.