Catalyst Bancorp, Inc.
For the period ended Sep 30, 2025. Filed Nov 13, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 13, 2025
CLST$17.32-2.4%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Cash Flows
| | | | | | | |
|---|---|---|---|---|---|---|
| · · Nine Months Ended September 30, | ||||||
| (Dollars in thousands) · · 2025 · 2024 | ||||||
| CASH FLOWS FROM OPERATING ACTIVITIES · · | ||||||
| Net income (loss) | | $1,596 | | $(3,715) | ||
| Adjustments to reconcile net income (loss) to net cash provided by operating activities: | | | ||||
| Investment securities amortization, net | | 60 | | 119 | ||
| Stock dividends from correspondent banks | | (41) | | (62) | ||
| Amortization of prepayment penalties on debt restructuring | | | 135 | | | 135 |
| Provision for (reversal of) credit losses | | (36) | | 531 | ||
| Increase in cash surrender value of bank-owned life insurance | | | (360) | | | (344) |
| Loss on sales of investment securities | | - | | 5,507 | ||
| Loss (gain) on disposals and sales of premises and equipment | | 1 | | (6) | ||
| Stock-based compensation | | | 649 | | | 608 |
| Depreciation of premises and equipment | | 315 | | 306 | ||
| Net write-downs and losses on the sale of foreclosed assets | | 106 | | 57 | ||
| Deferred income tax expense (benefit) | | 248 | | (1,039) | ||
| Increase in other assets | | (107) | | (215) | ||
| Increase (decrease) in other liabilities | | (76) | | 654 | ||
| Net cash provided by operating activities | | 2,490 | | 2,536 | ||
| CASH FLOWS FROM INVESTING ACTIVITIES | | | ||||
| Activity in available-for-sale securities: | | | ||||
| Proceeds from maturities, calls, and paydowns | | 2,485 | | | 3,845 | |
| Proceeds from sales | | | - | | | 42,525 |
| Purchases | | (17,528) | | | (7,873) | |
| Activity in held-to-maturity securities: | | | | | ||
| Purchases | | (1,506) | | | - | |
| Net decrease (increase) in loans | | 2,209 | | | (21,515) | |
| Proceeds from sale of foreclosed assets | | 29 | | | 114 | |
| Purchases of premises and equipment | | (185) | | | (375) | |
| Purchase of Federal Home Loan Bank Stock | | | (108) | | | - |
| Proceeds from redemption of Federal Home Loan Bank Stock | | 1,171 | | | - | |
| Proceeds from sale of premises and equipment | | - | | | 12 | |
| Net cash (used in) provided by investing activities | | (13,433) | | 16,733 | ||
| CASH FLOWS FROM FINANCING ACTIVITIES | | | | |||
| Net increase in deposits | | 698 | | 1,814 | ||
| Borrowings from the Federal Home Loan Bank of Dallas | | | 5,001 | | | 793 |
| Repayments of borrowings from Federal Home Loan Bank of Dallas | | | (1) | | | (793) |
| Borrowings from the Federal Reserve Bank of Atlanta | | | - | | | 43,000 |
| Repayments of borrowings from the Federal Reserve Bank of Atlanta | | | - | | | (33,000) |
| Repurchase of common stock | | | (1,779) | | | (4,341) |
| Net cash provided by financing activities | | 3,919 | | 7,473 | ||
| NET CHANGE IN CASH AND CASH EQUIVALENTS | | (7,024) | | 26,742 | ||
| CASH AND CASH EQUIVALENTS, beginning of period | | 44,295 | | 19,011 | ||
| CASH AND CASH EQUIVALENTS, end of period | | $37,271 | | $45,753 | ||
| | | | | | | |
| SUPPLEMENTAL SCHEDULE OF NONCASH INVESTING ACTIVITIES | | | ||||
| Acquisition of real estate in settlement of loans | | $17 | | $284 | ||
| | | | | | | |
| SUPPLEMENTAL SCHEDULE OF INTEREST AND TAXES PAID | | | ||||
| Cash paid for interest | | $2,950 | | $2,547 | ||
| Cash paid for income taxes | | | 66 | | | 200 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.