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  <xs:element id="cato_RetailSegmentMember" abstract="true" nillable="true" name="RetailSegmentMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
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  <xs:element id="cato_NumberOfLongTermCompensationPlans" nillable="true" name="NumberOfLongTermCompensationPlans" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"></xs:element>
  <xs:element id="cato_LandHeldForInvestmentMember" abstract="true" nillable="true" name="LandHeldForInvestmentMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_AccruedBonusAndBenefits" nillable="true" name="AccruedBonusAndBenefits" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_ProceedFromInsuranceClaimSettlementAndSaleOfCorporateJet" nillable="true" name="ProceedFromInsuranceClaimSettlementAndSaleOfCorporateJet" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
</xs:schema>
