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  <xs:element id="cato_WithholdingTaxRateOnAnyUnremittedEarnings" nillable="true" name="WithholdingTaxRateOnAnyUnremittedEarnings" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_EarningsFromNonUsSubsidiaries" nillable="true" name="EarningsFromNonUsSubsidiaries" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_NumberOfLongTermCompensationPlans" nillable="true" name="NumberOfLongTermCompensationPlans" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_DirectExpensesOfReportableSegmentTableTextBlock" nillable="true" name="DirectExpensesOfReportableSegmentTableTextBlock" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ScheduleOfPropertyPlantAndEquipmentUsefulLifeTableTextBlock" nillable="true" name="ScheduleOfPropertyPlantAndEquipmentUsefulLifeTableTextBlock" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_EffectiveIncomeTaxRateReconciliationTaxCreditInsurancePercent" nillable="true" name="EffectiveIncomeTaxRateReconciliationTaxCreditInsurancePercent" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_RevenueVendorAllowancesPolicyTextBlock" nillable="true" name="RevenueVendorAllowancesPolicyTextBlock" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ValuationAllowancesAndReservesAdditionsReductionsChargeToOtherAccount" nillable="true" name="ValuationAllowancesAndReservesAdditionsReductionsChargeToOtherAccount" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_EstimatedCostToRepairCorporateJetMember" abstract="true" nillable="true" name="EstimatedCostToRepairCorporateJetMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_DeferredTaxAssetsAmortization" nillable="true" name="DeferredTaxAssetsAmortization" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_OtherDeferredTaxAssetsAffectingStateIncomeTaxMember" abstract="true" nillable="true" name="OtherDeferredTaxAssetsAffectingStateIncomeTaxMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_USFederalNetOperatingLossCarryforwardsOtherCreditCarryforwardsAndOtherDeferredTaxAssetsNetOfDeferredTaxLiabilitiesMember" abstract="true" nillable="true" name="USFederalNetOperatingLossCarryforwardsOtherCreditCarryforwardsAndOtherDeferredTaxAssetsNetOfDeferredTaxLiabilitiesMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_USFederalNetOperatingLossCarryforwardsMember" abstract="true" nillable="true" name="USFederalNetOperatingLossCarryforwardsMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_CreditCarryforwardsMember" abstract="true" nillable="true" name="CreditCarryforwardsMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_DeferredTaxAssetsNetOfDeferredTaxLiabilitiesMember" abstract="true" nillable="true" name="DeferredTaxAssetsNetOfDeferredTaxLiabilitiesMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_PaymentsForProceedsFromOtherProjects" nillable="true" name="PaymentsForProceedsFromOtherProjects" 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_TreasuryStockSharesAcquiredAndRetired" nillable="true" name="TreasuryStockSharesAcquiredAndRetired" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseCharitableContributionOfInventoryPercent" nillable="true" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseCharitableContributionOfInventoryPercent" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_DeferredIncomeTaxBenefitExpense" nillable="true" name="DeferredIncomeTaxBenefitExpense" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_InsuranceClaimSettlementAndSaleOfCorporateJetMember" abstract="true" nillable="true" name="InsuranceClaimSettlementAndSaleOfCorporateJetMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ReportableSegmentsCorporateMember" abstract="true" nillable="true" name="ReportableSegmentsCorporateMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></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_ABLCreditFacilityMember" abstract="true" nillable="true" name="ABLCreditFacilityMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_SellingGeneralAndAdministrativeExclusiveOfDepreciation" nillable="true" name="SellingGeneralAndAdministrativeExclusiveOfDepreciation" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_InterestAndOtherIncomeExcludingCorporateOverhead" nillable="true" name="InterestAndOtherIncomeExcludingCorporateOverhead" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="duration" xbrli:balance="debit"></xs:element>
  <xs:element id="cato_SubCreditFacilityMember" abstract="true" nillable="true" name="SubCreditFacilityMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_EligibleCreditCardReceivablePercentage" nillable="true" name="EligibleCreditCardReceivablePercentage" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"></xs:element>
  <xs:element id="cato_NetRecoveryPercentageOfEligibleInventory" nillable="true" name="NetRecoveryPercentageOfEligibleInventory" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"></xs:element>
  <xs:element id="cato_DebtInstrumentUnrestrictedCash" nillable="true" name="DebtInstrumentUnrestrictedCash" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_LandheldforinvestmentMember" abstract="true" nillable="true" name="LandheldforinvestmentMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ExpirationPeriodForRewardsCard" nillable="true" name="ExpirationPeriodForRewardsCard" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_PriorCreditAgreementMember" abstract="true" nillable="true" name="PriorCreditAgreementMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_LineOfCreditFacilityCovenantBorrowingBasePercent" nillable="true" name="LineOfCreditFacilityCovenantBorrowingBasePercent" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_LineOfCreditFacilityAmountSubjectToOtherLimitations" nillable="true" name="LineOfCreditFacilityAmountSubjectToOtherLimitations" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_LineOfCreditFacilityUncommittedAccordionFeature" nillable="true" name="LineOfCreditFacilityUncommittedAccordionFeature" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_LineOfCreditFacilityMaximumBorrowingCapacityUnderCertainConditions" nillable="true" name="LineOfCreditFacilityMaximumBorrowingCapacityUnderCertainConditions" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_AnnualRate1Member" abstract="true" nillable="true" name="AnnualRate1Member" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_AnnualRate2Member" abstract="true" nillable="true" name="AnnualRate2Member" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_ExcessAvailabilityMember" abstract="true" nillable="true" name="ExcessAvailabilityMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_PercentageOfLineOfCreditFacilityAvailabilityRequiredAmountOnAggregateRevolvingCommitment" nillable="true" name="PercentageOfLineOfCreditFacilityAvailabilityRequiredAmountOnAggregateRevolvingCommitment" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_LineOfCreditFacilityAvailabilityRequiredAmount" nillable="true" name="LineOfCreditFacilityAvailabilityRequiredAmount" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" xbrli:balance="credit"></xs:element>
  <xs:element id="cato_LineOfCreditFacilityMinimumAvailabilityRequiredTriggerThresholdConsecutiveDays" nillable="true" name="LineOfCreditFacilityMinimumAvailabilityRequiredTriggerThresholdConsecutiveDays" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_AtLeastHalfOfABLCommitmentsUnutilizedAndAtAnnualRateMember" abstract="true" nillable="true" name="AtLeastHalfOfABLCommitmentsUnutilizedAndAtAnnualRateMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="cato_LessThanHalfOfABLCommitmentsUnutilizedMember" abstract="true" nillable="true" name="LessThanHalfOfABLCommitmentsUnutilizedMember" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"></xs:element>
</xs:schema>
