[Form 4] Catalyst Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Amanda B. Quebedeaux, Chief Operations Officer of Catalyst Bancorp, Inc. (CLST), reported a transaction on 09/01/2025. She disposed of 553 shares of common stock at $12.83 per share to satisfy tax obligations related to a stock benefit distribution. After that disposition she directly beneficially owned 9,263 shares and indirectly held 3,204.8705 shares through the company ESOP as of the last reported date. The filing also reports two outstanding stock options: one to purchase 21,160 shares with a $13.30 exercise price expiring 09/01/2032 and one to purchase 4,000 shares with a $12.08 exercise price expiring 06/10/2035; the grants vest on multi-year schedules disclosed in the form. The Form 4 was signed by power of attorney on 09/02/2025.

Positive

• Continued equity ownership: Reporter still directly owns 9,263 shares and indirectly holds 3,204.8705 shares via the ESOP.
• Sizable option grants retained: Options covering 21,160 and 4,000 shares remain outstanding, aligning the officer with long-term shareholder value.
• Transaction disclosed as tax-related: The 553-share sale is explicitly identified as a disposition to meet tax obligations, reducing ambiguity about insider intent.

Negative

• None.

Insights

Financial Analyst

TL;DR: Insider sold a small block to cover taxes while retaining meaningful equity and sizable option grants.

The 553-share disposition at $12.83 is explicitly described as a tax-related sale and represents a modest liquidity event relative to the reported direct and indirect holdings. The reporter retains direct ownership of 9,263 shares plus 3,204.8705 shares via the ESOP, and holds stock options totaling 25,160 underlying shares across two grants with exercise prices near current market levels. The option portfolio and retained shares indicate continued alignment with shareholder value, while the disclosed vesting schedules (20% annual vesting for the noted grants) delimit near-term dilution risk.

Corporate Governance Expert

TL;DR: Transaction is routine and documented; disclosures on vesting and ESOP holdings are clear and appropriate.

The Form 4 clearly identifies the reporting person as both an officer (Chief Operations Officer) and a director and provides required detail for the disposition, ESOP allocations, and option grants. The sale is documented as a tax-withholding disposition from a benefit plan, which is a common practice. Vesting timelines and the distinction between direct and indirect ownership are disclosed, supporting transparency for investors assessing insider incentives and potential future share dilution.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Quebedeaux Amanda B.

(Last) (First) (Middle)

C/O CATALYST BANCORP INC

235 N COURT ST

(Street)

OPELOUSAS LA 70570

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Catalyst Bancorp, Inc. [ CLST ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Operations Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/01/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/01/2025		F(1)		553	D	$12.83	9,263(2)	D
Common Stock								3,204.8705(3)	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	$13.3							(4)	09/01/2032	Common Stock	21,160		21,160	D
Stock Option (Right to Buy)	$12.08							(5)	06/10/2035	Common Stock	4,000		4,000	D

Explanation of Responses:

1. Disposition solely to meet tax obligation for distribution from stock benefit plan.

2. Includes 3,388 shares granted pursuant to the Issuer's 2022 Recognition and Retention Plan and Trust Agreement that reflect the unvested portion of a grant amount originally covering 8,464 shares that commenced vesting 20% per year on September 1, 2023.

3. Includes shares allocated to the reporting person's account in the ESOP since the last filed Form 4, as of December 31, 2024.

4. The options are vesting at a rate of 20% per year that commenced on September 1, 2023.

5. The options vest at a rate of 20% per year commencing on June 10, 2026.

	/s/ Jutta Codori by P.O.A. for Amanda B. Quebedeaux	09/02/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

How many shares did Amanda B. Quebedeaux sell on 09/01/2025 (CLST)?

She disposed of 553 shares of Catalyst Bancorp common stock at a price of $12.83 per share on 09/01/2025.

What shares and options does Amanda Quebedeaux beneficially own according to this Form 4?

Following the reported transaction she directly beneficially owned 9,263 shares, indirectly held 3,204.8705 shares via the ESOP, and held options for 21,160 and 4,000 underlying shares.

What were the exercise prices and expirations for the reported stock options?

One option has a $13.30 exercise price expiring on 09/01/2032 (21,160 shares); the other has a $12.08 exercise price expiring on 06/10/2035 (4,000 shares).

Why was the sale of 553 shares made according to the filing?

The filing states the disposition was made solely to meet tax obligations related to a distribution from a stock benefit plan.

Who signed the Form 4 and when was it filed?

The Form 4 was signed by /s/ Jutta Codori by P.O.A. for Amanda B. Quebedeaux on 09/02/2025.