Catalyst Bancorp reports Q3 net income of $489K, down from $521K in Q2; loans decline 2%

Catalyst Bancorp, Inc.

2025-Q3 EPS reported $0.43

Net income $489k vs $521k in Q2; NPAs $1.9M (0.67% of assets).
Loans $164.8M, down 2% from Q2 due to $4.6M construction loan payoff; C&I classified $2.1M.
Deposits $186.4M, up 2% driven by high-yield specials; loans-to-deposits 88%.
Net interest margin 3.88%, down 10 bps; purchased $16.2M securities at 5.17% yield.
Repurchased 13,212 shares at avg $12.93; total repurchases 1.16M shares (22% original).

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