Welcome to our dedicated page for Catalyst Bancorp SEC filings (Ticker: CLST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Catalyst Bancorp, Inc. (NASDAQ: CLST) SEC filings page provides access to the company’s regulatory reports as a publicly traded bank holding company in the savings institutions industry. Through these filings, investors can review detailed information about the financial condition, results of operations, capital management, and governance of Catalyst Bancorp and its banking subsidiary, Catalyst Bank.
Key documents include annual reports on Form 10-K and quarterly reports on Form 10-Q, which present audited or reviewed financial statements, management’s discussion and analysis, loan portfolio composition, credit quality metrics, investment securities data, deposit and borrowing structures, and information about non-interest income and expenses. These filings also discuss non-performing assets, allowance for credit losses on loans and unfunded commitments, and other risk-related disclosures that are central to evaluating a community-oriented savings institution.
The company also files current reports on Form 8-K to announce material events. Examples disclosed in recent filings include quarterly earnings press releases furnished under Item 2.02 and the approval of new share repurchase programs under Item 8.01. Another 8-K describes a change in the independent registered public accounting firm, noting the resignation of the prior firm after its partners and professional staff joined a new firm and the subsequent appointment of the successor auditor with audit committee approval.
In addition, investors can review information related to share repurchase plans, capital levels, and other corporate actions that appear in periodic and current reports. By combining these filings with AI-powered summaries and highlights, this page helps users quickly understand the main points of lengthy documents, such as how CLST’s loan mix, deposit base, and capital ratios evolve over time, and how specific 8-K events fit into the company’s broader regulatory history.
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 (CLST) reported a change in independent auditor. After the partners and professional staff of HORNE LLP joined BDO USA, P.C., HORNE resigned as auditor on October 31, 2025. With Audit Committee approval, the Company appointed BDO on November 5, 2025.
The Company stated there were no disagreements with HORNE on accounting principles, disclosures, or audit scope during the period from March 28, 2025 through October 31, 2025, and HORNE did not issue reports on the Company’s financial statements.
Catalyst Bancorp (CLST) director Kirk E. Kleiser reported insider trades on 10/28/2025. Indirect holdings via Kleiser Enterprises Corporation sold 1,500 shares at $13.43, 2,500 at $13.39, and 750 at $13.3974. The reporting person also purchased 100 shares at $13.4 and 4,650 shares at $13.4099 through an IRA.
Post‑trade holdings include 24,522 direct shares and 17,749 shares held indirectly via IRA, plus 1,000 via K & G On the Geaux LLC, 5,000 via K Kleiser LLC, 3,100 via spouse’s IRA, and 900 via spouse. Derivatives listed include stock options for 21,160 shares at $13.3 (expire 09/01/2032) and 2,645 shares at $12.08 (expire 06/10/2035), each vesting 20% per year per their stated schedules.
Catalyst Bancorp, Inc. (CLST) furnished an update on its business by announcing results for the quarter ended September 30, 2025. The company provided a press release as Exhibit 99.1, offering details on the quarter.
The information under Items 2.02 and 9.01 is expressly furnished, not filed under the Exchange Act, and is not subject to Section 18 liabilities nor incorporated by reference unless specifically stated. The company’s common stock trades on the Nasdaq Capital Market under the symbol CLST.
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.
Jacques L.J. Bourque, Chief Financial Officer and director of Catalyst Bancorp, Inc. (CLST), reported insider transactions on Form 4. The filing shows a single sale of 131 shares of common stock on 09/01/2025 at $12.83 per share to satisfy a tax obligation related to a stock benefit plan. After the sale, Mr. Bourque directly owns 3,597 shares. He also holds 687.9343 shares indirectly in the Catalyst Bank 401(k) plan, 2,040.8886 shares indirectly via the ESOP, and two custodial positions of 100 shares each for Quinn and Levi Bourque.
Derivative holdings include two stock option grants exercisable for 5,000 shares at $13.30 (vesting 20% per year from 09/01/2023) and 4,000 shares at $12.08 (vesting 20% per year commencing 06/10/2026).
Joseph B. Zanco, President and CEO and a director of Catalyst Bancorp, Inc. (CLST), reported a sale and multiple holdings on Form 4. On 09/01/2025 he disposed of 1,158 shares of common stock at $12.83 to satisfy tax obligations from a stock benefit distribution. After the sale he beneficially owns 32,870 shares directly. He also reports 15,000 shares held indirectly by spouse, 2,458.9121 shares in the Catalyst Bank 401(k) plan, 6,474.1176 shares in the ESOP and 22,009 shares in an IRA. He holds two option grants exercisable for 52,900 and 13,225 shares with exercise prices of $13.30 (expiring 09/01/2032) and $12.08 (expiring 06/10/2035), respectively, with stated vesting schedules. The Form 4 was signed by a P.O.A. on 09/02/2025.
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.