The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 5 points (64 → 69), mostly because the loan quality component improved by 14 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in California

Yes. Cathay Bank is an FDIC-insured institution (FDIC certificate #18503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.2% of deposits ($10.4B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.16% (benchmark: 10%).

Check how much of your own balance is covered

Cathay Bank lists 63 offices in 52 cities across 10 states. Most locations:

• Flushing, NY (3)
• Irvine, CA (3)
• New York, NY (3)
• San Francisco, CA (3)
• Brooklyn, NY (2)
• San Jose, CA (2)
• Seattle, WA (2)
• Alhambra, CA (1)
• Arcadia, CA (1)
• Artesia, CA (1)
• Bellevue, WA (1)
• Boston, MA (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 60 consumer complaints about CATHAY BANK to the company (22 in the last 12 months). 100.0% received a timely response. That is 2.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Cathay Bank reported 2,107 home-loan applications under HMDA (LEI FT6J43S06X6CLJ0R0B48): 1,641 originated ($1,421,775,000 total), 170 denied, and 210 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Cathay Bank

Type

State-chartered bank

FDIC certificate #

18503

RSSD ID

595869

Primary regulator

FDIC

Holding company

Cathay General Bcorp

Established

April 19, 1962

Headquarters

777 N Broadway, Los Angeles, CA 90012

Website

www.cathaybank.com

Employees

1,300