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  <xs:import namespace="http://xbrl.sec.gov/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd"></xs:import>
  <xs:import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd"></xs:import>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd"></xs:import>
  <xs:element id="cato_IncomeOther" nillable="true" name="IncomeOther" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_DocumentAndEntityInformationAbstract" abstract="true" nillable="true" name="DocumentAndEntityInformationAbstract" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ConsolidatedBalanceSheetParentheticalAbstract" abstract="true" nillable="true" name="ConsolidatedBalanceSheetParentheticalAbstract" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_PrivatelyManagedFundsMember" abstract="true" nillable="true" name="PrivatelyManagedFundsMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_StockBasedCompensationPlansTableTextBlock" nillable="true" name="StockBasedCompensationPlansTableTextBlock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_StockPlan1987MemberMember" abstract="true" nillable="true" name="StockPlan1987MemberMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_StockPlan2004MemberMember" abstract="true" nillable="true" name="StockPlan2004MemberMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_EmployeeStockPurchasePlanShareAwardPurchasePriceDiscount" nillable="true" name="EmployeeStockPurchasePlanShareAwardPurchasePriceDiscount" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="instant"></xs:element>
  <xs:element id="cato_Accelerated2013Dividend" nillable="true" name="Accelerated2013Dividend" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_SpecialDividend" nillable="true" name="SpecialDividend" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_Accumulatedothercomprehensiveincomelossdisclosureabstract" abstract="true" nillable="true" name="Accumulatedothercomprehensiveincomelossdisclosureabstract" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_Accumulatedothercomprehensiveincomelosstextblock" nillable="true" name="Accumulatedothercomprehensiveincomelosstextblock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_Detailsaboutaccumulatedothercomprehensiveincomecomponentstabletextblock" nillable="true" name="Detailsaboutaccumulatedothercomprehensiveincomecomponentstabletextblock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_Accumulatedothercomprehensiveincomelossrollforward" abstract="true" nillable="true" name="Accumulatedothercomprehensiveincomelossrollforward" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_Stockplan2013membermemberMember" abstract="true" nillable="true" name="Stockplan2013membermemberMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_PurchasePremiumAndPremiumAmortization" nillable="true" name="PurchasePremiumAndPremiumAmortization" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_PaymentsToAcquire" nillable="true" name="PaymentsToAcquire" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_ProceedsFromSaleOfInvest" nillable="true" name="ProceedsFromSaleOfInvest" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_Stockplan2018membermemberMember" abstract="true" nillable="true" name="Stockplan2018membermemberMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_Lesseeoperatingleasessupplementalcashflowinformationandnoncashactivitytabletabletextblock" nillable="true" name="Lesseeoperatingleasessupplementalcashflowinformationandnoncashactivitytabletabletextblock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_LesseeOperatingLeaseWeightedAveragesTableTableTextBlock" nillable="true" name="LesseeOperatingLeaseWeightedAveragesTableTableTextBlock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_IncreaseOfAssetsAndLiabilitiesLeases" nillable="true" name="IncreaseOfAssetsAndLiabilitiesLeases" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"></xs:element>
  <xs:element id="cato_ChangeInAccruedTreasuryStock" nillable="true" name="ChangeInAccruedTreasuryStock" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_ChangeOperatingLeaseAssetAndLiabilitiesNet" nillable="true" name="ChangeOperatingLeaseAssetAndLiabilitiesNet" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_OptionsAndOrRestrictedStockMember" abstract="true" nillable="true" name="OptionsAndOrRestrictedStockMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_EmployeeStockPurchasePlanSharePurchaseDiscountRate" nillable="true" name="EmployeeStockPurchasePlanSharePurchaseDiscountRate" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"></xs:element>
  <xs:element id="cato_RepurchaseAndRetirementOfTreasuryShares" nillable="true" name="RepurchaseAndRetirementOfTreasuryShares" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ProceedsFromGovernmentAidProgram" nillable="true" name="ProceedsFromGovernmentAidProgram" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_PandemicRiskPolicyTextBlock" nillable="true" name="PandemicRiskPolicyTextBlock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ScheduleOfDirectExpensesBySegementTableTextBlock" nillable="true" name="ScheduleOfDirectExpensesBySegementTableTextBlock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ReceivableRecoverableRepairCost" nillable="true" name="ReceivableRecoverableRepairCost" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_RetailSegmentMember" abstract="true" nillable="true" name="RetailSegmentMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_CreditSegmentMember" abstract="true" nillable="true" name="CreditSegmentMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <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_ProceedsFromInsuranceClaimSettlementAndSaleOfCorporateJet" nillable="true" name="ProceedsFromInsuranceClaimSettlementAndSaleOfCorporateJet" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_Rightofuseassetobtainedinexchangeforoperatingleaseliabilities" nillable="true" name="Rightofuseassetobtainedinexchangeforoperatingleaseliabilities" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_StockIssuedDuringPeriodValueShareBasedPaymentArrangementAndStockOptionsExercised" nillable="true" name="StockIssuedDuringPeriodValueShareBasedPaymentArrangementAndStockOptionsExercised" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_ABLCreditAgreementMember" abstract="true" nillable="true" name="ABLCreditAgreementMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_SegmentReportingSellingGeneralAndAdministrativeExpense" nillable="true" name="SegmentReportingSellingGeneralAndAdministrativeExpense" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_CorporateOverhead" nillable="true" name="CorporateOverhead" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_CorporateInterestAndOtherIncome" nillable="true" name="CorporateInterestAndOtherIncome" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_TreasuryStockAcquiredAndRetiredCostMethodAmount" nillable="true" name="TreasuryStockAcquiredAndRetiredCostMethodAmount" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_GeneralLineItems" abstract="true" nillable="true" name="GeneralLineItems" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_GeneralTable" abstract="true" nillable="true" name="GeneralTable" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
</xs:schema>
