---
schema_version: "secwatch.filing_event.v1"
accession: "0001849867-25-000018"
form_type: "8-K"
ticker: "CLST"
cik: "0001849867"
company_name: "Catalyst Bancorp, Inc."
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:37:08.919265+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Catalyst Bancorp Q2 net income $521k vs Q1 $586k; NIM expands to 3.98%

## Summary
- Net income of $521,000 for Q2 2025, down from $586,000 in Q1 2025.
- Loans grew to $167.6M (+$1.5M); deposits up $1.6M to $182.2M.
- Net interest margin rose 9 bps to 3.98%; provision for credit losses remained zero.
- Non-performing assets $1.8M (0.64% of assets), stable vs prior quarter.
- Company repurchased 62,385 shares at avg $11.91 in Q2.

## SEC filing metadata
- accession: 0001849867-25-000018
- form_type: 8-K
- ticker: CLST
- cik: 0001849867
- company_name: Catalyst Bancorp, Inc.
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1849867/000184986725000018/0001849867-25-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1849867/000184986725000018/clst-20250724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-25-000018
- JSON: https://secwatch.observer/filing/0001849867-25-000018.json
- Plain text: https://secwatch.observer/filing/0001849867-25-000018.txt

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