---
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"
generated_at: "2026-05-16T06:33:50.154858+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-26-000002
- JSON: https://secwatch.observer/filing/0001849867-26-000002.json
- Plain text: https://secwatch.observer/filing/0001849867-26-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.