Catalyst Bancorp, Inc.
For the period ended Sep 30, 2025. Filed Nov 13, 2025.
View on SEC.govAbout this filing
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 Income (Loss)
| | | | | | | | | | | | | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| · · Three Months Ended September 30, · · Nine Months Ended September 30, | ||||||||||||
| (Dollars in thousands, except per share data) · · 2025 · · 2024 · · 2025 · · 2024 | ||||||||||||
| INTEREST INCOME · · · · · · · · | ||||||||||||
| Loans receivable, including fees | | $2,816 | | $2,717 | | $8,346 | | $7,314 | ||||
| Investment securities | | 345 | | 255 | | 914 | | 790 | ||||
| Cash and due from banks | | 345 | | 678 | | 1,039 | | 2,184 | ||||
| Other earning assets | | 7 | | 21 | | 49 | | 63 | ||||
| Total interest income | | 3,513 | | 3,671 | | 10,348 | | 10,351 | ||||
| INTEREST EXPENSE | | | | | ||||||||
| Deposits | | 983 | | 830 | | 2,849 | | 2,370 | ||||
| Borrowings | | 80 | | 309 | | 216 | | 908 | ||||
| Total interest expense | | 1,063 | | 1,139 | | 3,065 | | 3,278 | ||||
| Net interest income | | 2,450 | | 2,532 | | 7,283 | | 7,073 | ||||
| Provision for (reversal of) credit losses | | (36) | | 337 | | (36) | | 531 | ||||
| Net interest income after provision for (reversal of) credit losses | | 2,486 | | 2,195 | | 7,319 | | 6,542 | ||||
| NON-INTEREST INCOME (LOSS) | | | | | ||||||||
| Service charges on deposit accounts | | 172 | | 200 | | 571 | | 597 | ||||
| Bank-owned life insurance | | 123 | | 118 | | 360 | | 344 | ||||
| Loss on sale of investment securities | | - | | - | | - | | (5,507) | ||||
| Other income on foreclosed assets | | | - | | | - | | | 216 | | | - |
| Gain (loss) on sale of fixed assets | | (1) | | - | | (1) | | 6 | ||||
| Federal community development grant | | - | | 280 | | - | | 280 | ||||
| Other | | 21 | | 22 | | 66 | | 103 | ||||
| Total non-interest income (loss) | | 315 | | 620 | | 1,212 | | (4,177) | ||||
| NON-INTEREST EXPENSE | | | | | ||||||||
| Salaries and employee benefits | | 1,312 | | 1,200 | | 3,819 | | 3,603 | ||||
| Occupancy and equipment | | 220 | | 193 | | 627 | | 572 | ||||
| Data processing and communication | | 179 | | 238 | | 537 | | 1,170 | ||||
| Professional fees | | 91 | | 151 | | 306 | | 375 | ||||
| Directors’ fees | | 123 | | 116 | | 354 | | 345 | ||||
| ATM and debit card | | 24 | | 24 | | 75 | | | 124 | |||
| Foreclosed assets, net | | 7 | | 33 | | 114 | | 67 | ||||
| Advertising and marketing | | 35 | | 31 | | 94 | | 112 | ||||
| Regulatory fees and assessments | | | 34 | | | 42 | | | 102 | | | 111 |
| Franchise and shares tax | | | 14 | | | 15 | | | 41 | | | 46 |
| Other | | 163 | | 217 | | 509 | | 594 | ||||
| Total non-interest expense | | 2,202 | | 2,260 | | 6,578 | | 7,119 | ||||
| Income (loss) before income tax expense (benefit) | | 599 | | 555 | | 1,953 | | (4,754) | ||||
| Income tax expense (benefit) | | 110 | | 108 | | 357 | | (1,039) | ||||
| NET INCOME (LOSS) | | $489 | | $447 | | $1,596 | | $(3,715) | ||||
| | | | | | | | | | | | | |
| Earnings (loss) per share - basic | | $0.13 | | $0.11 | | $0.43 | | $(0.93) | ||||
| Earnings (loss) per share - diluted | | | 0.13 | | | 0.11 | | | 0.43 | | | (0.93) |
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