Cathay Bank

Chang M. Liu serves as President and CEO of Cathay Bank, overseeing its lending strategy and operations. Day-to-day credit decisions are administered through regional lending teams, but the bank’s concentration in commercial real estate and C&I lending reflects a top-down risk appetite set by the executive office and board.

Commercial real estate loans represent roughly 80% of the bank’s total loan portfolio, including construction, multifamily, and commercial mortgage loans. The remainder is largely allocated to commercial and industrial loans, with a smaller proportion of residential mortgage and consumer lending.

Cathay Bank operates as a wholly owned subsidiary of Cathay General Bancorp, a publicly traded holding company listed on Nasdaq under the ticker CATY. This means the bank is answerable to public shareholders and regulated by federal banking agencies, distinguishing it from privately held family offices or credit funds.

Cathay Bank is primarily a credit institution, originating and holding loans rather than making equity investments. Its trust division can hold and manage client assets, but the bank itself does not operate a direct private equity or venture capital investment program as a principal.

Yes. The Cathay Bank Foundation, a separate charitable entity sponsored by the corporate parent, awards grants to community-based organizations focused on affordable housing, economic development, and education, largely in the geographies where the bank operates.