secwatch.observer — SEC 8-K summary
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Issuer:     Catalyst Bancorp, Inc. (CLST)
CIK:        0001849867
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001849867-25-000020
Event type: earnings
Sentiment:  neutral
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1849867/000184986725000020/0001849867-25-000020-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1849867/000184986725000020/clst-20251023x8k.htm
  HTML page:      https://secwatch.observer/filing/0001849867-25-000020

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer