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.
Catalyst Bancorp, Inc. filings document the formal reporting record for the parent company of Catalyst Bank. The company’s 8-K reports furnish quarterly results and financial condition updates, including loan portfolio composition, deposit categories, net interest trends, and related exhibits from earnings releases.
Other filings cover capital-structure and governance matters, including common stock repurchase authorizations, annual meeting proxy materials, shareholder voting matters, board and audit committee disclosures, and changes in the company’s independent registered public accounting firm.
Stilwell’s investment group has filed a second amended ownership report on Catalyst Bancorp, Inc., disclosing an 8.6% stake and an activist agenda. The group, led by Joseph Stilwell and several affiliated Delaware partnerships and an LLC, reports beneficial ownership of 348,590 shares of Catalyst’s common stock, based on 4,058,297 shares outstanding as of March 30, 2026.
Stilwell Activist Fund and Stilwell Activist Investments funded recent purchases primarily from working capital, with the latter spending $1,414,269.46 for 87,473 shares and the former $17,174.00 for 1,108 shares, sometimes using margin loans from major brokerages. The group states its purpose is to profit from share price appreciation by asserting shareholder rights and explicitly plans to seek board representation, arguing Catalyst’s asset value is not fully reflected in its current stock price.
Catalyst Bancorp, Inc. is acquiring Lakeside Bancshares, Inc. in an all-cash deal valued at $19.58 per share, or $41.1 million in total, subject to adjustment. Lakeside shareholders will receive cash for each share, followed by mergers of both holding companies and their banks, with Catalyst and Catalyst Bank surviving.
Based on December 31, 2025 data, Lakeside had $385.7 million in assets, and the combined company is expected to have approximately $627.3 million in assets, $399.9 million in loans and $470.0 million in deposits. Catalyst expects the transaction to be over 180% accretive to earnings per share once cost savings are fully realized and accretive to tangible book value per share within three years of closing, while maintaining strong post-merger capital ratios of about 10.4% leverage and 15.4% total risk-based capital. The merger, unanimously approved by both boards, is targeted to close in the third quarter of 2026, subject to Lakeside shareholder approval and regulatory approvals.
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.
Catalyst Bancorp Inc amendment filing reports that The Vanguard Group holds 0 shares of Common Stock, representing 0% of the class as disclosed in the Schedule 13G/A.
The filing notes an internal realignment at The Vanguard Group, Inc. on January 12, 2026, after which certain subsidiaries will report beneficial ownership separately in reliance on SEC Release No. 34-39538.
Catalyst Bancorp, Inc. Employee Stock Ownership Plan reported beneficial ownership of 416,791.85 shares of Catalyst Bancorp common stock, representing 10.2% of the class, based on 4,074,911 shares outstanding as of December 31, 2025.
The plan has sole voting and dispositive power over 333,270 shares and shared voting and dispositive power over 83,521.85 shares. Of the total, 83,521.85 shares are allocated to individual employee accounts and 333,270 shares remain unallocated for future allocation. The plan states the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.
Catalyst Bancorp, Inc. filed a current report to note that it has announced its financial results for the quarter ended December 31, 2025. The company released these results through a press release dated January 29, 2026, which is included as Exhibit 99.1.
The report clarifies that the results press release and related information furnished under Items 2.02 and 9.01 are not treated as filed for liability purposes under the Exchange Act and are not automatically incorporated into other SEC filings except by specific reference.
Stilwell-affiliated investment entities filed an amended Schedule 13D reporting beneficial ownership of 260,009 shares of Catalyst Bancorp, Inc. common stock, or 6.3% of the 4,113,660 shares outstanding as of November 7, 2025. The stake is held across Stilwell Activist Fund, Stilwell Activist Investments, Stilwell Partners and related entities, with shared voting and dispositive power. Since their prior report, Stilwell Activist Fund spent $70,220.57 to buy 4,710 shares and Stilwell Activist Investments spent $592,999.82 to buy 39,316 shares, funded by working capital and margin loans. The group describes itself as an activist investor, states it believes Catalyst Bancorp’s asset value is not fully reflected in the share price, and aims to profit by asserting shareholder rights and working with management and the board to maximize shareholder value.
Catalyst Bancorp, Inc. reported that its Board of Directors approved a sixth share repurchase program, called the November 2025 Repurchase Plan. Under this plan, the company may buy back up to 205,000 shares of its common stock, which is approximately 5% of its outstanding shares. Repurchases may occur in open-market trades or privately negotiated transactions, depending on market conditions and other factors.
The new authorization is in addition to the company’s fifth repurchase plan announced in November 2024. As of the date of this report, 18,183 shares were still available to be repurchased under that earlier plan, so the company now has two active authorizations for buying back its stock.
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.