Q4 net income $456K ($0.13 EPS); loans up 3%; NPA ratio rises to 0.95%

Catalyst Bancorp, Inc.

2025-FY EPS reported $0.56

Net income $456K ($0.13 diluted EPS) in Q4, vs $489K ($0.13) in Q3; FY2025 net income $2.1M vs net loss $3.1M in FY2024.
Loans grew $5.4M (3%) to $170.2M; commercial & industrial up 22% driven by oilfield services.
Non-performing assets increased to $2.7M (0.95% of assets) from $1.9M (0.67%) largely due to residential mortgage loans.
Net interest margin widened to 3.91% from 3.88% QoQ; funding costs declined.
Company repurchased 54,693 shares at $14.76 avg in Q4; new plan authorizes up to 205K shares.

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