---
schema_version: "secwatch.filing_event.v1"
accession: "0001849867-25-000002"
form_type: "8-K"
ticker: "CLST"
cik: "0001849867"
company_name: "Catalyst Bancorp, Inc."
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T15:42:29.422534+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Catalyst Bancorp Q4 net income up 40% to $626K; loans grow record 15% YoY

## Summary
- Net income of $626K for Q4 2024, up 40% from $447K in Q3 2024.
- Loan portfolio grew $22.2M (15%) for full year ended Dec 2024; total loans $167.1M.
- Net interest margin increased to 3.92% from 3.86%; net interest income $2.5M.
- Paid off $20M BTFP advance; deposits up 11% to $185.7M mainly on seasonal public funds.
- Repurchased 120,977 shares at avg $11.70 in Q4; 187,150 shares remaining under plan.

## SEC filing metadata
- accession: 0001849867-25-000002
- form_type: 8-K
- ticker: CLST
- cik: 0001849867
- company_name: Catalyst Bancorp, Inc.
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1849867/000184986725000002/0001849867-25-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1849867/000184986725000002/clst-20250123x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-25-000002
- JSON: https://secwatch.observer/filing/0001849867-25-000002.json
- Plain text: https://secwatch.observer/filing/0001849867-25-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.