Catalyst Bancorp Q3 net income $447K, down $80K; loan growth record $12.6M

Catalyst Bancorp, Inc.

2024-Q3 EPS reported -$0.93

Net income of $447K, down $80K from Q2 2024; includes $238K pre-tax CDFI grant.
Loan portfolio grew $12.6M to $165.9M, an 8% increase, driven by construction and commercial.
Net interest margin expanded 14 bps to 3.86% from prior quarter; net interest income up 3%.
Deposits fell $12.6M to $167.4M; loan-to-deposit ratio rose to 99% from 85%.
Non-performing assets declined to $1.6M (0.57% of assets) from $1.7M; allowance at 1.46%.

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