Catalyst Bancorp, Inc. Announces 2025 Second Quarter Results
Trade with 70% Backtested Accuracy
Analyst Views on CLST
About CLST
About the author
Catalyst Bancorp Q4 Financial Highlights
- Earnings Per Share: Catalyst Bancorp reported a GAAP EPS of $0.13 for Q4 2025, indicating stable profitability despite ongoing market challenges that could affect investor confidence.
- Revenue Performance: The company generated $2.86 million in revenue during the fourth quarter, an increase from $1.798 million in the previous quarter, reflecting its ongoing efforts to adapt to market conditions and enhance revenue generation.
- Deposit Trends: Total deposits stood at $185.3 million as of December 31, 2025, down by $1.1 million or 1% from September 30, 2025, indicating some pressure on deposit liquidity that may impact future funding strategies.
- Loan-to-Deposit Ratio: As of December 31, 2025, the loan-to-deposit ratio was 92%, up from 88% on September 30, suggesting an aggressive lending strategy that could influence the company's liquidity management moving forward.
Catalyst Bancorp Reports Decline in Q4 Earnings
- Earnings Decline: Catalyst Bancorp's Q4 earnings fell to $0.456 million, or $0.13 per share, down from $0.626 million and $0.16 per share last year, indicating a weakening profitability that may affect investor confidence.
- Revenue Slight Increase: Despite the earnings drop, the company's revenue rose by 0.9% to $3.54 million from $3.51 million last year, demonstrating some resilience in revenue growth amidst challenging conditions.
- Performance Comparison: The decline in earnings and EPS compared to last year highlights the challenges the company faces in cost management and market competition, suggesting a need for strategic measures to restore growth.
- Market Reaction: The earnings decline may lead to a cautious outlook from the market regarding Catalyst Bancorp's future performance, prompting investors to monitor the company's strategic adjustments and responses to market conditions.
Catalyst Bancorp Reports Q4 2025 Financial Highlights
- Net Income Growth: Catalyst Bancorp reported a net income of $456,000 for Q4 2025, translating to a diluted EPS of $0.13, which, while slightly down from $489,000 in Q3, reflects a significant recovery with an annual net income of $2.1 million, indicating potential resilience in challenging conditions.
- Loan Portfolio Expansion: As of December 31, 2025, total loans reached $170.2 million, up $5.4 million from Q3 2025, primarily driven by robust growth in the oilfield services sector, highlighting the company's ability to capitalize on rising market demands in specific industries.
- Increase in Non-Performing Assets: Non-performing assets totaled $2.7 million as of December 31, 2025, up from $1.9 million in Q3 2025, mainly due to rising non-accruing one-to-four-family residential mortgage loans, indicating pressure on credit quality.
- Share Repurchase Program: The company repurchased 54,693 shares of common stock at an average cost of $14.76 per share in Q4 2025, demonstrating confidence in its stock value, while also initiating a new repurchase plan for up to 205,000 shares, enhancing shareholder returns.
Catalyst Bancorp, Inc. Unveils New Stock Buyback Program
Share Repurchase Plan Announcement: Catalyst Bancorp, Inc. has approved its sixth share repurchase plan, allowing the purchase of up to 205,000 shares, which is about 5% of its outstanding common stock.
Previous Repurchases: Since January 2023, the company has repurchased a total of 1,180,817 shares, representing approximately 22% of the originally issued common shares, at an average cost of $11.97 per share.
Company Overview: Catalyst Bancorp, Inc. is a Louisiana-based bank holding company with $283.8 million in assets as of September 30, 2025, operating Catalyst Bank, which has been serving the Acadiana region since 1922.
Forward-Looking Statements: The announcement includes forward-looking statements regarding the company's financial performance and operations, which are subject to various risks and uncertainties that may affect actual results.
Catalyst Bancorp, Inc. Announces 2025 Third Quarter Results
Financial Performance: Catalyst Bancorp reported a net income of $489,000 for Q3 2025, a slight decrease from $521,000 in Q2 2025, with total loans decreasing by 2% to $164.8 million.
Loan Portfolio Composition: The company's loan portfolio saw a decline in real estate loans, particularly in one-to-four-family residential and construction loans, while commercial and industrial loans experienced a slight increase.
Deposit Growth: Total deposits rose by 2% to $186.4 million, attributed to successful high-yield account promotions that attracted new customers and deepened existing relationships.
Credit Quality and Expenses: Non-performing assets increased to $1.9 million, with a slight rise in the ratio of non-performing loans to total loans, while non-interest expenses rose by 1% to $2.2 million, primarily due to increased salaries and employee benefits.
Catalyst Bancorp Posts Q2 Profit Drop
Financial Performance: Catalyst Bancorp reported a net income of $521,000 in Q2 2025, an 11% decrease from the previous quarter, while earnings per share increased to $0.14. The efficiency ratio worsened to 77.46%, indicating challenges in cost control despite stable asset quality and modest growth in loans and deposits.
Loan Portfolio Diversification: The bank significantly diversified its loan portfolio, with commercial real estate loans increasing by 54% and multi-family residential loans more than doubling. However, overall loan growth remained modest at 1%, primarily due to re-categorization of existing loans rather than organic growth.
Catalyst Bancorp Q4 Financial Highlights
- Earnings Per Share: Catalyst Bancorp reported a GAAP EPS of $0.13 for Q4 2025, indicating stable profitability despite ongoing market challenges that could affect investor confidence.
- Revenue Performance: The company generated $2.86 million in revenue during the fourth quarter, an increase from $1.798 million in the previous quarter, reflecting its ongoing efforts to adapt to market conditions and enhance revenue generation.
- Deposit Trends: Total deposits stood at $185.3 million as of December 31, 2025, down by $1.1 million or 1% from September 30, 2025, indicating some pressure on deposit liquidity that may impact future funding strategies.
- Loan-to-Deposit Ratio: As of December 31, 2025, the loan-to-deposit ratio was 92%, up from 88% on September 30, suggesting an aggressive lending strategy that could influence the company's liquidity management moving forward.
Catalyst Bancorp Reports Decline in Q4 Earnings
- Earnings Decline: Catalyst Bancorp's Q4 earnings fell to $0.456 million, or $0.13 per share, down from $0.626 million and $0.16 per share last year, indicating a weakening profitability that may affect investor confidence.
- Revenue Slight Increase: Despite the earnings drop, the company's revenue rose by 0.9% to $3.54 million from $3.51 million last year, demonstrating some resilience in revenue growth amidst challenging conditions.
- Performance Comparison: The decline in earnings and EPS compared to last year highlights the challenges the company faces in cost management and market competition, suggesting a need for strategic measures to restore growth.
- Market Reaction: The earnings decline may lead to a cautious outlook from the market regarding Catalyst Bancorp's future performance, prompting investors to monitor the company's strategic adjustments and responses to market conditions.
Catalyst Bancorp Reports Q4 2025 Financial Highlights
- Net Income Growth: Catalyst Bancorp reported a net income of $456,000 for Q4 2025, translating to a diluted EPS of $0.13, which, while slightly down from $489,000 in Q3, reflects a significant recovery with an annual net income of $2.1 million, indicating potential resilience in challenging conditions.
- Loan Portfolio Expansion: As of December 31, 2025, total loans reached $170.2 million, up $5.4 million from Q3 2025, primarily driven by robust growth in the oilfield services sector, highlighting the company's ability to capitalize on rising market demands in specific industries.
- Increase in Non-Performing Assets: Non-performing assets totaled $2.7 million as of December 31, 2025, up from $1.9 million in Q3 2025, mainly due to rising non-accruing one-to-four-family residential mortgage loans, indicating pressure on credit quality.
- Share Repurchase Program: The company repurchased 54,693 shares of common stock at an average cost of $14.76 per share in Q4 2025, demonstrating confidence in its stock value, while also initiating a new repurchase plan for up to 205,000 shares, enhancing shareholder returns.
Catalyst Bancorp, Inc. Unveils New Stock Buyback Program
Share Repurchase Plan Announcement: Catalyst Bancorp, Inc. has approved its sixth share repurchase plan, allowing the purchase of up to 205,000 shares, which is about 5% of its outstanding common stock.
Previous Repurchases: Since January 2023, the company has repurchased a total of 1,180,817 shares, representing approximately 22% of the originally issued common shares, at an average cost of $11.97 per share.
Company Overview: Catalyst Bancorp, Inc. is a Louisiana-based bank holding company with $283.8 million in assets as of September 30, 2025, operating Catalyst Bank, which has been serving the Acadiana region since 1922.
Forward-Looking Statements: The announcement includes forward-looking statements regarding the company's financial performance and operations, which are subject to various risks and uncertainties that may affect actual results.
Catalyst Bancorp, Inc. Announces 2025 Third Quarter Results
Financial Performance: Catalyst Bancorp reported a net income of $489,000 for Q3 2025, a slight decrease from $521,000 in Q2 2025, with total loans decreasing by 2% to $164.8 million.
Loan Portfolio Composition: The company's loan portfolio saw a decline in real estate loans, particularly in one-to-four-family residential and construction loans, while commercial and industrial loans experienced a slight increase.
Deposit Growth: Total deposits rose by 2% to $186.4 million, attributed to successful high-yield account promotions that attracted new customers and deepened existing relationships.
Credit Quality and Expenses: Non-performing assets increased to $1.9 million, with a slight rise in the ratio of non-performing loans to total loans, while non-interest expenses rose by 1% to $2.2 million, primarily due to increased salaries and employee benefits.
Catalyst Bancorp Posts Q2 Profit Drop
Financial Performance: Catalyst Bancorp reported a net income of $521,000 in Q2 2025, an 11% decrease from the previous quarter, while earnings per share increased to $0.14. The efficiency ratio worsened to 77.46%, indicating challenges in cost control despite stable asset quality and modest growth in loans and deposits.
Loan Portfolio Diversification: The bank significantly diversified its loan portfolio, with commercial real estate loans increasing by 54% and multi-family residential loans more than doubling. However, overall loan growth remained modest at 1%, primarily due to re-categorization of existing loans rather than organic growth.
