{"schema_version":"secwatch.filing_event.v1","accession":"0001849867-22-000006","form_type":"8-K","ticker":"CLST","cik":"0001849867","company_name":"Catalyst Bancorp, Inc.","filed_at":"2022-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.439671+00:00","generated_at":"2026-06-24T07:03:41.805034+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Catalyst Bancorp Q2 net income $18,000; NIM rises to 2.71%","bullets":["Net income of $18,000 vs net loss of $131,000 in Q1 2022; net interest income $1.81M, up 3% QoQ.","Net interest margin expanded 12 bps to 2.71% as average yield on earning assets rose to 2.94%.","Loans grew 1% to $133.6M; NPAs steady at $1.6M (0.57% of assets); allowance for loan losses at 1.48%.","Rebranding costs $208K were offset by a $171K CDFI BEA grant; total non-interest expense $2.4M, up 9% QoQ.","Deposits decreased $4.3M to $178.7M; net unrealized losses on AFS securities increased to $8.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001849867-22-000006","json":"https://secwatch.observer/filing/0001849867-22-000006.json","markdown":"https://secwatch.observer/filing/0001849867-22-000006.md","text":"https://secwatch.observer/filing/0001849867-22-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849867/000184986722000006/0001849867-22-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849867/000184986722000006/clst-20220728x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T07:03:41.805034+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"}