{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-000498","form_type":"8-K","ticker":"CLST","cik":"0001849867","company_name":"Catalyst Bancorp, Inc.","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:08.837234+00:00","generated_at":"2026-06-27T15:05:09.949284+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Catalyst Bancorp Q4 net income $83K vs $1.4M in Q3; full-year net income $1.9M","bullets":["Net income for Q4 2021 was $83,000, down from $1.4M in Q3 2021 which included a $1.8M CDFI grant.","Full-year 2021 net income of $1.9M vs. net loss in 2020; net interest income $1.7M for Q4, up 3% QoQ.","Loans receivable $131.8M, down 4% from Sept 30; commercial real estate fell $5.0M on a $4.3M hotel pay-off.","Non-performing assets $1.2M, down 7% QoQ; allowance for loan losses reversed $374K during Q4.","Total deposits $176.8M, down 29% as IPO subscription deposits of $72.9M were returned after offering."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-000498","json":"https://secwatch.observer/filing/0001558370-22-000498.json","markdown":"https://secwatch.observer/filing/0001558370-22-000498.md","text":"https://secwatch.observer/filing/0001558370-22-000498.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849867/000155837022000498/0001558370-22-000498-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849867/000155837022000498/clst-20220127x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:05:09.949284+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}