secwatch.observer — SEC 8-K summary
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Issuer:     Catalyst Bancorp, Inc. (CLST)
CIK:        0001849867
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001849867-26-000002
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1849867/000184986726000002/0001849867-26-000002-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1849867/000184986726000002/clst-20260129x8k.htm
  HTML page:      https://secwatch.observer/filing/0001849867-26-000002

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