Catalyst Bancorp, Inc.

For the period ended Jun 30, 2025. Filed Aug 13, 2025.

About 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.

Jun 30, 2025 · Filed Aug 13, 2025

CLST$17.32-2.4%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income (Loss)


· · Three Months Ended June 30, · · Six Months Ended June 30,
(Dollars in thousands) · · 2025 · · 2024 · · 2025 · · 2024
INTEREST INCOME · · · · · · · ·
Loans receivable, including fees	$2,792	$2,383	$5,530	$4,597
Investment securities	294	210	569	535
Cash and due from banks	353	912	694	1,506
Other earning assets	22	20	42	42
Total interest income	3,461	3,525	6,835	6,680
INTEREST EXPENSE
Deposits	925	771	1,866	1,540
Borrowings	68	306	136	599
Total interest expense	993	1,077	2,002	2,139
Net interest income	2,468	2,448	4,833	4,541
Provision for credit losses	-	99	-	194
Net interest income after provision for credit losses	2,468	2,349	4,833	4,347
NON-INTEREST INCOME (LOSS)
Service charges on deposit accounts	202	194	399	397
Bank-owned life insurance	119	113	237	226
Loss on sale of investment securities	-	-	-	(5,507)
Other income on foreclosed assets	-	-	216	-
(Loss) gain on sale of fixed assets	-	(5)	-	6
Other	23	64	45	81
Total non-interest income (loss)	344	366	897	(4,797)
NON-INTEREST EXPENSE
Salaries and employee benefits	1,262	1,143	2,507	2,403
Occupancy and equipment	208	183	407	379
Data processing and communication	176	138	358	932
Professional fees	114	117	215	224
Directors’ fees	117	114	231	229
ATM and debit card	29	31	51	100
Foreclosed assets, net	18	26	107	34
Advertising and marketing	20	43	59	81
Regulatory fees and assessments	33	46	68	69
Franchise and shares tax	14	15	27	31
Other	187	212	346	377
Total non-interest expense	2,178	2,068	4,376	4,859
Income (loss) before income tax expense (benefit)	634	647	1,354	(5,309)
Income tax expense (benefit)	113	120	247	(1,147)
NET INCOME (LOSS)	$521	$527	$1,107	$(4,162)

Earnings (loss) per share - basic	$0.14	$0.13	$0.30	$(1.03)
Earnings (loss) per share - diluted	0.14	0.13	0.30	(1.03)

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.