{"schema_version":"secwatch.filing_event.v1","accession":"0001849867-25-000020","form_type":"8-K","ticker":"CLST","cik":"0001849867","company_name":"Catalyst Bancorp, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.805294+00:00","generated_at":"2026-05-17T02:33:51.442846+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Catalyst Bancorp reports Q3 net income of $489K, down from $521K in Q2; loans decline 2%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001849867-25-000020","json":"https://secwatch.observer/filing/0001849867-25-000020.json","markdown":"https://secwatch.observer/filing/0001849867-25-000020.md","text":"https://secwatch.observer/filing/0001849867-25-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849867/000184986725000020/0001849867-25-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849867/000184986725000020/clst-20251023x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:33:51.442846+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"}