{"schema_version":"secwatch.filing_event.v1","accession":"0001849867-26-000002","form_type":"8-K","ticker":"CLST","cik":"0001849867","company_name":"Catalyst Bancorp, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.530061+00:00","generated_at":"2026-05-16T06:33:50.154858+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Q4 net income $456K ($0.13 EPS); loans up 3%; NPA ratio rises to 0.95%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001849867-26-000002","json":"https://secwatch.observer/filing/0001849867-26-000002.json","markdown":"https://secwatch.observer/filing/0001849867-26-000002.md","text":"https://secwatch.observer/filing/0001849867-26-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1849867/000184986726000002/0001849867-26-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1849867/000184986726000002/clst-20260129x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:33:50.154858+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"}