{"schema_version":"secwatch.filing_event.v1","accession":"0001849867-24-000025","form_type":"8-K","ticker":"CLST","cik":"0001849867","company_name":"Catalyst Bancorp, Inc.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.044297+00:00","generated_at":"2026-05-30T10:37:36.359551+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 Q3 net income $447K, down $80K; loan growth record $12.6M","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001849867-24-000025","json":"https://secwatch.observer/filing/0001849867-24-000025.json","markdown":"https://secwatch.observer/filing/0001849867-24-000025.md","text":"https://secwatch.observer/filing/0001849867-24-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849867/000184986724000025/0001849867-24-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849867/000184986724000025/clst-20241024x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:37:36.359551+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"}