Every 10-Q that Catalyst Bancorp, Inc. (CLST) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported stable performance for the quarter ended June 30, 2026. Total assets were $290.0 million, up from $282.9 million at December 31, 2025, driven by higher cash and investment securities. Net loans declined to $160.6 million from $167.8 million as construction and commercial balances ran off or converted.
For the three months ended June 30, 2026, net interest income was $2.6 million, with total interest income of $3.6 million and interest expense of $1.0 million. A $104 thousand reversal of credit losses boosted results, leading to quarterly net income of $524 thousand, similar to $521 thousand a year earlier, and diluted EPS of $0.14. For the first half of 2026, net income was $1.1 million and diluted EPS was $0.30.
Asset quality metrics remained controlled. The allowance for credit losses on loans decreased to $2.2 million, reflecting portfolio contraction and lower classified balances. Non-accrual loans totaled $2.2 million, and loans with modifications for borrowers experiencing financial difficulty were $662 thousand. Deposits increased to $196.4 million, while FHLB borrowings declined to $9.8 million, with $53.9 million of remaining FHLB capacity.
Catalyst Bancorp, Inc. reported a modestly lower profit while strengthening liquidity and announcing a planned acquisition. For the three months ended March 31, 2026, net income was $558,000 versus $586,000 a year earlier, with basic earnings per share steady at $0.16.
Total assets rose to $288.5 million, up 2.0% from year-end, as cash and cash equivalents increased to $38.5 million, driven mainly by a $10.1 million rise in deposits to $195.4 million and lower Federal Home Loan Bank borrowings. The loan portfolio declined 3.8% to $163.7 million, led by paydown of a large commercial and industrial relationship, while the allowance for credit losses decreased slightly to $2.3 million with a small reversal.
Credit quality remained generally stable, with non-accrual loans of $2.4 million and total loans past due still a small portion of the portfolio. After quarter-end, the company agreed to acquire Lakeside Bancshares, Inc. for $19.58 per share in cash, or $41.1 million in aggregate, adding a bank with $385.7 million in assets as of December 31, 2025, subject to regulatory and shareholder approvals.
Catalyst Bancorp (CLST) filed its Q3 2025 10‑Q, reporting net income of $489 thousand and diluted EPS of $0.13, up from $0.11 a year ago. Net interest income was $2.45 million versus $2.53 million, supported by a $36 thousand reversal of credit losses compared with a $337 thousand provision last year. Non‑interest expense declined to $2.20 million from $2.26 million.
Total assets were $283.8 million, up from $276.7 million at year‑end. Deposits were $186.4 million and borrowings rose to $14.7 million, reflecting $15.0 million of FHLB advances at a 2.05% rate. Shareholders’ equity increased to $81.6 million as accumulated other comprehensive loss improved to $2.65 million from $3.56 million with higher available‑for‑sale securities valuations ($44.9 million fair value vs. $28.7 million at year‑end).
Loans, net, were $162.4 million (down from $164.6 million) while the allowance for credit losses was $2.40 million. Nonaccrual loans totaled $1.46 million, slightly lower than year‑end. The company recorded a $30,000 refund related to a foreign ATM fee correction. There were 4,113,660 common shares outstanding as of November 7, 2025.
Catalyst Bancorp, Inc. reported modest profitability for the quarter and a material year-over-year turnaround for the six-month period. Total assets were $273,785 (dollars in thousands), with loans net of allowance at $165,138 and deposits of $182,211. For the three months ended June 30, 2025 the company earned net income of $521 and basic earnings per share of $0.14, essentially flat with the prior-year quarter. For the six months ended June 30, 2025 the company reported net income of $1,107 versus a loss of $(4,162) in the comparable 2024 period, producing basic EPS of $0.30 compared with $(1.03) a year earlier.
Net interest income for the quarter was $2,468 and noninterest expense was $2,178. The allowance for credit losses totaled $2,431 and the company held unrealized losses in securities (aggregate unrealized loss $5,451). Cash and cash equivalents were $40,056 and shareholders' equity was $80,799.