Side-by-side · Q2 2026 data
Mechanics Bank vs Cathay Bank
Metric by metric
| Measure | Mechanics Bank | Cathay Bank |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 44 | 65 (stronger) |
| Loan quality | 86 (stronger) | 82 |
| Earnings | 60 | 82 (stronger) |
| Funding & liquidity | 55 (stronger) | 26 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 54th | 69th |
| Total assets | $21.2B | $24.6B |
| Deposits / shares | $18.1B | $21.1B |
| Capital ratio | 9.38% | 11.52% (stronger) |
| Problem loans | 0.41% (stronger) | 0.54% |
| Net charge-offs | 0.11% | 0.04% (stronger) |
| Return on assets | 0.99% | 1.55% (stronger) |
| Loans ÷ deposits | 74.2% (stronger) | 96.6% |
| Uninsured deposits | 42.9% (stronger) | 49.2% |
| Offices | 166 | 63 |
| CFPB complaints (3 yrs) | — | 60 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 20.1% | 9.0% |
Cathay Bank has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 3 and Cathay Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.