Catalyst Bancorp, Inc.: management transactions · United States · SEC (Form 4)

About Catalyst Bancorp, Inc.

Catalyst Bancorp, Inc. (Nasdaq Capital Market: CLST) is a United States-listed banking company headquartered in Opelousas, Louisiana, at 235 North Court Street. The company’s business model is straightforward: it is a bank holding company whose sole operating subsidiary is Catalyst Bank, a community-focused financial institution serving individuals, professionals, and small businesses in its primary Louisiana market. Recent SEC filings and company disclosures consistently describe the organization as a regional retail bank with a strong local footprint. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849867/000155837025003964/clst-20241231x10k.htm?utm_source=openai)) Catalyst Bancorp’s modern corporate history is tied to the conversion of Catalyst Bank from mutual to stock form. According to the company’s 2024 annual report, that conversion was completed on October 12, 2021, at which point Catalyst Bancorp became the bank holding company. This conversion created a public-market structure that can support capital raising, shareholder returns, and broader strategic flexibility while keeping the operating focus on community banking. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849867/000155837025003964/clst-20241231x10k.htm?utm_source=openai)) From an operating perspective, Catalyst Bank offers classic retail banking products and services: deposit accounts, savings solutions, mortgage and real estate lending, and additional credit products for local customers. The company’s 2025 annual report states that Catalyst Bank serves its retail banking customers through six full-service locations, reinforcing its branch-based, relationship-driven distribution model. That footprint suggests a business that depends on local deposit gathering, disciplined underwriting, and close ties to its service area rather than a national scale strategy. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849867/000110465926043013/clst-20251231xars.pdf?utm_source=openai)) In competitive terms, Catalyst Bancorp occupies the community and small-regional banking segment, where service quality, local knowledge, and balance-sheet management are often more important than brand scale. Its relatively small size means it competes with larger regional banks, but it can also benefit from a more focused geographic niche in southern Louisiana. Recent SEC disclosures also highlight active liquidity management, borrowing capacity with the Federal Home Loan Bank of Dallas, and share repurchase activity, all of which point to a conservative capital and funding profile. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1849867/000110465925111034/clst-20250930x10q.htm?utm_source=openai)) Recent results have been encouraging. In its January 29, 2026 earnings release, Catalyst Bancorp reported fourth-quarter 2025 net income of $456,000 and full-year 2025 net income of $2.1 million, versus a net loss of $3.1 million in 2024. Management said loan growth was strong and that net interest margin widened as funding costs declined. For investors, CLST is a small-cap U.S. banking name on the Nasdaq market with regional exposure, earnings leverage to interest-rate trends, and a business model anchored in local retail and commercial banking. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001849867/000184986726000002/clst-20260129xex99d1.htm?utm_source=openai))