---
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"
generated_at: "2026-05-23T07:17:56.037387+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Catalyst Bancorp Q1 net income $586K; loans flat, NIM 3.89%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-25-000010
- JSON: https://secwatch.observer/filing/0001849867-25-000010.json
- Plain text: https://secwatch.observer/filing/0001849867-25-000010.txt

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