---
schema_version: "secwatch.filing_event.v1"
accession: "0001849867-26-000007"
form_type: "8-K"
ticker: "CLST"
cik: "0001849867"
company_name: "Catalyst Bancorp, Inc."
filed_at: "2026-04-30T23:59:59+00:00"
generated_at: "2026-05-15T01:07:02.673333+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Catalyst Bancorp Q1 net income $558k ($0.15 EPS); deposits up 5% sequentially

## Summary
- Net income of $558k ($0.15 diluted EPS) vs $456k ($0.13) in Q4 2025.
- Net interest margin 3.83%, down 8 bps from prior quarter; net interest income $2.5M (+$38k).
- Loans fell 4% to $163.7M; $5.9M C&I loan paid off on business sale.
- Deposits rose 5% to $195.4M, driven by seasonal public fund deposits.
- Professional fees of $95k for pending Lakeside acquisition; share repurchases paused.

## SEC filing metadata
- accession: 0001849867-26-000007
- form_type: 8-K
- ticker: CLST
- cik: 0001849867
- company_name: Catalyst Bancorp, Inc.
- filed_at: 2026-04-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1849867/000184986726000007/0001849867-26-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1849867/000184986726000007/clst-20260430x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-26-000007
- JSON: https://secwatch.observer/filing/0001849867-26-000007.json
- Plain text: https://secwatch.observer/filing/0001849867-26-000007.txt

## Key facts
- Earnings Releases
  Catalyst Bancorp, Inc. reported quarter ended March 31, 2026 results: net income $558,000, EPS $0.15.
  - Period: quarter ended March 31, 2026
  - Net income: $558,000
  - EPS: $0.15
  - Result: reported results
  source text: Catalyst Bancorp, Inc. (Nasdaq: “CLST”) (the “Company”), the parent company for Catalyst Bank (the “Bank”) (www.catalystbank.com), reported net income of $558,000, or $0.15 per diluted common share (“diluted EPS”), for the first quarter of 2026, compared to net income of $456,000, or $0.13 diluted EPS, for the fourth quarter of 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1849867/000184986726000007/0001849867-26-000007-index.htm

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