---
schema_version: "secwatch.filing_event.v1"
accession: "0001849867-26-000016"
form_type: "8-K"
ticker: "CLST"
cik: "0001849867"
company_name: "Catalyst Bancorp, Inc."
filed_at: "2026-07-30T13:46:57+00:00"
generated_at: "2026-07-30T13:48:17.824111+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Catalyst Bancorp Q2 net income $524k ($0.14 EPS); completes Lakeside acquisition

## Summary
- Net income of $524,000 ($0.14 diluted EPS) vs $558,000 ($0.15) in Q1 2026.
- Completed acquisition of Lakeside Bancshares on July 14, 2026; merger-related expenses $87k pre-tax.
- Loans $162.8M, down 1% from Q1; deposits $196.4M, up 1%.
- Non-performing assets $2.3M, down 14% from Q1; ACL 1.34% of loans.
- Net interest margin 3.86%, up 3 bps; share repurchases of 24,206 shares at avg $16.20.

## SEC filing metadata
- accession: 0001849867-26-000016
- form_type: 8-K
- ticker: CLST
- cik: 0001849867
- company_name: Catalyst Bancorp, Inc.
- filed_at: 2026-07-30T13:46:57+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/1849867/000184986726000016/0001849867-26-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1849867/000184986726000016/clst-20260730x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-26-000016
- JSON: https://secwatch.observer/filing/0001849867-26-000016.json
- Plain text: https://secwatch.observer/filing/0001849867-26-000016.txt

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