Here are the 10-K annual reports from Catalyst Bancorp, Inc. (CLST) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CLST and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CLST filings page.
Catalyst Bancorp, Inc. files its annual report describing Catalyst Bank’s community banking model in south-central Louisiana, focused on deposits, lending and investment securities. At December 31, 2025, the loan portfolio was $170.2 million, representing 60.2% of total assets, with an ongoing shift from traditional one- to four-family mortgages toward commercial and multi-family lending.
Single-family residential mortgages totaled $80.1 million, while commercial real estate and multi-family loans reached $38.2 million and construction and land loans were $18.8 million. Commercial and industrial loans were $31.2 million, reflecting a growing focus on small and mid-sized business customers. Nonperforming loans were $2.6 million, mostly in one- to four-family mortgages, and the allowance for credit losses on loans was 1.39% of total loans.
Investment securities totaled $65.4 million, or 23.1% of assets, primarily agency mortgage-backed securities and U.S. government and federal agency obligations. Average deposits were $179.5 million in 2025, supplemented by $14.7 million in Federal Home Loan Bank advances. The report also details extensive regulatory, capital, cybersecurity and Community Reinvestment Act frameworks governing the bank’s operations.