{"schema_version":"secwatch.filing_event.v1","accession":"0001849867-25-000010","form_type":"8-K","ticker":"CLST","cik":"0001849867","company_name":"Catalyst Bancorp, Inc.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.145970+00:00","generated_at":"2026-05-23T07:17:56.037387+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 Q1 net income $586K; loans flat, NIM 3.89%","bullets":["Net income of $586K in Q1 2025 vs $626K in Q4 2024 (down 6% sequentially).","Loans $166.1M, down $1.0M (<1%) from Dec 31; NPAs improved to $1.7M (0.63% of assets).","Net interest margin narrowed 3 bps to 3.89%; net interest income $2.4M (down 4%).","Total deposits $180.6M, down $5.1M (3%) driven by public funds; loans/deposits ratio 92%.","Repurchased 72,949 shares at avg $11.86 in Q1; 114,201 shares remain under buyback plan."],"urls":{"canonical":"https://secwatch.observer/filing/0001849867-25-000010","json":"https://secwatch.observer/filing/0001849867-25-000010.json","markdown":"https://secwatch.observer/filing/0001849867-25-000010.md","text":"https://secwatch.observer/filing/0001849867-25-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849867/000184986725000010/0001849867-25-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849867/000184986725000010/clst-20250424x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:17:56.037387+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"}