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Catalyst Bancorp (CLST) CEO Joseph Zanco awarded new restricted shares and options

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Catalyst Bancorp, Inc. director and President/CEO Joseph B. Zanco reported new equity awards in the form of both restricted stock and stock options. He received 5,290 shares of common stock at a grant price of $0.00 per share, issued under the 2022 Recognition and Retention Plan, which vest at 20% per year commencing on June 10, 2027.

He also received 13,225 stock options with an exercise price of $15.96 per share, expiring on June 10, 2036, which vest at 20% per year starting on June 10, 2027. Following these awards, he directly holds 38,160 common shares and maintains indirect holdings through an IRA, ESOP, a 401(k) plan, and shares held by his spouse, along with previously granted options at exercise prices of $12.08 and $13.30.

Positive

  • None.

Negative

  • None.
Insider Zanco Joseph B
Role PRESIDENT AND CEO
Type Security Shares Price Value
Grant/Award Stock Option (Right to Buy) 13,225 $0.00 --
Grant/Award Common Stock 5,290 $0.00 --
holding Stock Option (Right to Buy) -- -- --
holding Stock Option (Right to Buy) -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Stock Option (Right to Buy) — 13,225 shares (Direct, null); Common Stock — 38,160 shares (Direct, null); Common Stock — 15,000 shares (Indirect, By Spouse)
Footnotes (1)
  1. Represents the grant of shares pursuant to the Issuer's 2022 Recognition and Retention Plan and Trust Agreement that vest at 20% per year commencing on June 10, 2027. Includes 8,464 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 21,160 shares that commenced vesting 20% per year on September 1, 2023. Includes 4,232 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 5,290 shares that commenced vesting 20% per year on June 10, 2026. Includes shares acquired in the Catalyst Bank 401(k) Plan since the last filed Form 4, based on a report dated June 4, 2026. Includes shares allocated to the reporting person's account in the ESOP since the last filed Form 4, as of December 31, 2025. These options are vesting at a rate of 20% per year that commenced on September 1, 2023. These options are vesting at a rate of 20% per year that commenced on June 10, 2026. These options vest at a rate of 20% per year commencing on June 10, 2027.
Restricted share grant 5,290 shares at $0.00 Common stock grant on June 10, 2026; vests 20% annually from June 10, 2027
New option grant 13,225 options at $15.96 Stock Option (Right to Buy), expires June 10, 2036; vests 20% annually from June 10, 2027
Direct common shares after grant 38,160 shares Total direct common stock holding following reported transactions
IRA indirect holding 22,009 shares Common stock held indirectly by IRA as of the reported date
ESOP indirect holding 8,506.7075 shares Common stock held indirectly by ESOP as of the reported date
401(k) indirect holding 2,886.38 shares Common stock held indirectly by Catalyst Bank 401(k) Plan
Existing option position 13,225 underlying shares at $12.08 Stock options expiring June 10, 2035, held directly
Existing option position 52,900 underlying shares at $13.30 Stock options expiring September 1, 2032, held directly
Recognition and Retention Plan financial
"granted pursuant to the Issuer's 2022 Recognition and Retention Plan and Trust Agreement"
ESOP financial
"Includes shares allocated to the reporting person's account in the ESOP"
An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.
401(k) Plan financial
"Includes shares acquired in the Catalyst Bank 401(k) Plan since the last filed Form 4"
A 401(k) plan is a workplace retirement account that lets employees set aside part of their pay into a tax-advantaged savings pot, often with employers adding matching contributions — like a workplace piggy bank for future income. It matters to investors because the amount people save and how employers fund these plans influence consumer spending, corporate payroll costs and the flow of money into financial markets, which can affect stock prices and company valuations.
Stock Option (Right to Buy) financial
"Stock Option (Right to Buy) with underlying security title Common Stock"
vesting at a rate of 20% per year financial
"These options vest at a rate of 20% per year commencing on June 10, 2027."
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SEC Form 4
FORM 4UNITED 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
Estimated average burden
hours per response:0.5
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*
Zanco Joseph B

(Last)(First)(Middle)
C/O CATALYST BANCORP INC
235 N COURT ST

(Street)
OPELOUSAS LOUISIANA 70570

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Catalyst Bancorp, Inc. [ CLST ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
PRESIDENT AND CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/10/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock06/10/2026A(1)5,290A$038,160(2)(3)D
Common Stock15,000IBy Spouse
Common Stock2,886.38(4)IBy 401(k) Plan
Common Stock8,506.7075(5)IBy ESOP
Common Stock22,009IBy IRA
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Option (Right to Buy)$13.3 (6)09/01/2032Common Stock52,90052,900D
Stock Option (Right to Buy)$12.08 (7)06/10/2035Common Stock13,22513,225D
Stock Option (Right to Buy)$15.9606/10/2026A13,22506/10/2027(8)06/10/2036Common Stock13,225$013,225D
Explanation of Responses:
1. Represents the grant of shares pursuant to the Issuer's 2022 Recognition and Retention Plan and Trust Agreement that vest at 20% per year commencing on June 10, 2027.
2. Includes 8,464 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 21,160 shares that commenced vesting 20% per year on September 1, 2023.
3. Includes 4,232 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 5,290 shares that commenced vesting 20% per year on June 10, 2026.
4. Includes shares acquired in the Catalyst Bank 401(k) Plan since the last filed Form 4, based on a report dated June 4, 2026.
5. Includes shares allocated to the reporting person's account in the ESOP since the last filed Form 4, as of December 31, 2025.
6. These options are vesting at a rate of 20% per year that commenced on September 1, 2023.
7. These options are vesting at a rate of 20% per year that commenced on June 10, 2026.
8. These options vest at a rate of 20% per year commencing on June 10, 2027.
/s/ Jutta Codori by P.O.A. Joseph B. Zanco06/11/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)

FAQ

What equity awards did Catalyst Bancorp (CLST) CEO Joseph Zanco receive?

Joseph Zanco received 5,290 restricted shares and 13,225 stock options. The shares were granted at $0.00 per share, and the options have a $15.96 exercise price, forming part of his long-term incentive compensation package.

When do Joseph Zanco’s new Catalyst Bancorp (CLST) awards start vesting?

Both the 5,290 restricted shares and 13,225 stock options begin vesting on June 10, 2027. Each award vests at a 20% annual rate, spreading the compensation over several years to encourage longer-term alignment with shareholder interests.

How many Catalyst Bancorp (CLST) common shares does Joseph Zanco now hold directly?

After the reported transactions, Joseph Zanco directly holds 38,160 shares of Catalyst Bancorp common stock. This direct position is in addition to indirect holdings through an IRA, ESOP, a 401(k) plan, and shares reported as held by his spouse.

What stock options on Catalyst Bancorp (CLST) does Joseph Zanco hold and at what prices?

Joseph Zanco holds options to buy Catalyst Bancorp common stock at exercise prices of $12.08, $13.30, and $15.96 per share. These options cover multiple grants with expiration dates ranging from September 1, 2032, to June 10, 2036.

How are Joseph Zanco’s indirect Catalyst Bancorp (CLST) holdings structured?

His indirect Catalyst Bancorp holdings include shares held by an IRA, shares allocated in an ESOP, shares in a 401(k) plan, and shares held by his spouse. These positions supplement his direct share ownership and option grants reported in the filing.