The bank maintains a highly conservative capital structure with an equity-to-assets ratio of 0.28, which significantly exceeds regulatory requirements but limits overall profitability.
| Cash & Short Term Investments | 278.68M | 74.09M | 44.3M | 20.65M | 93.07M | 129.22M | 45.98M | 32.13M |
| Cash & Due from Banks | 4.9M | 25.2M | 44.3M | 19.01M | 13.47M | 40.88M | 25.25M | 17.91M |
| Short Term Investments | 48.22M | 48.89M | 28.71M | 1.64M | 79.6M | 88.34M | 20.73M | 14.22M |
| Total Investments | 224.51M | 233.23M | 206.71M | 226.8M | 224.88M | 231.66M | 187.03M | 188.93M |
| Investments Growth % | 35.39% | 12.83% | -8.86% | 0.85% | -2.93% | 23.86% | -1.01% | - |
| Long-Term Investments | 719.58M | 184.34M | 206.71M | 225.15M | 145.28M | 143.32M | 166.3M | 174.71M |
| Accounts Receivables | 849K | 907K | 851K | 906K | 673K | 579K | 564K | 577K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 5.75M | 5.85M | 6.08M | 6.07M | 6.3M | 6.58M | 5.49M | 5.29M |
| Other Assets | 99.17M | 17.74M | 18.75M | 16.02M | 18.04M | 5.91M | 6.36M | 5.79M |
| Total Current Assets | 5.75M | 75M | 45.15M | 21.56M | 93.75M | 129.8M | 46.54M | 32.71M |
| Total Non-Current Assets | 282.76M | 207.93M | 231.55M | 249.37M | 169.62M | 155.81M | 178.15M | 185.79M |
| Total Assets | 288.51M | 282.93M | 276.7M | 270.93M | 263.36M | 285.61M | 224.69M | 218.5M |
| Asset Growth % | 2.31% | 2.25% | 2.13% | 2.87% | -7.79% | 27.11% | 2.83% | - |
| Return on Assets (ROA) | 0.72% | 0.73% | -1.13% | 0.2% | 0.07% | 0.75% | -0.32% | 0.61% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 9.76M | 14.73M | 9.56M | 9.38M | 0 | 0 | 0 | 0 |
| Net Debt | 4.86M | -10.47M | -34.74M | -9.63M | -13.47M | -40.88M | -25.25M | -17.91M |
| Long-Term Debt | 9.76M | 14.73M | 9.56M | 9.38M | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 196.54M | 1.2M | 1.26M | 11.37M | 9.76M | 10.26M | 9.56M | 25.75M |
| Total Current Liabilities | 195.37M | 185.27M | 185.67M | 165.62M | 165.09M | 176.79M | 164.6M | 141.63M |
| Total Non-Current Liabilities | 206.3M | 15.93M | 10.82M | 20.75M | 9.76M | 10.26M | 9.56M | 25.75M |
| Total Liabilities | 206.3M | 201.2M | 196.49M | 186.37M | 174.85M | 187.06M | 174.16M | 167.38M |
| Total Equity | 82.21M | 81.72M | 80.2M | 84.56M | 88.51M | 98.55M | 50.53M | 51.12M |
| Equity Growth % | 3.54% | 1.9% | -5.15% | -4.47% | -10.19% | 95.03% | -1.14% | - |
| Equity / Assets (Capital Ratio) | 28.49% | 28.89% | 28.99% | 31.21% | 33.61% | 34.51% | 22.49% | 23.39% |
| Return on Equity (ROE) | 2.48% | 2.53% | -3.75% | 0.61% | 0.19% | 2.57% | -1.38% | 2.6% |
| Book Value per Share | 22.10 | 21.93 | 20.36 | 19.66 | 19.67 | 20.46 | 9.55 | 9.66 |
| Tangible BV per Share | 22.10 | 21.93 | 20.36 | 19.66 | 19.67 | 20.46 | 9.55 | 9.66 |
| Common Stock | 41K | 41K | 43K | 48K | 53K | 53K | 0 | 0 |
| Additional Paid-in Capital | 37.3M | 37.36M | 39.56M | 45.02M | 51.06M | 50.8M | 0 | 0 |
| Retained Earnings | 52.47M | 51.91M | 49.86M | 52.95M | 52.78M | 52.56M | 50.43M | 51.13M |
| Accumulated OCI | -2.48M | -2.41M | -3.56M | -7.24M | -9.07M | -683K | 107K | -12K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Geographic concentration credit exposure
According to recent financial statements, Catalyst Bancorp's total assets have remained largely range-bound between $270 million and $295 million over the last ten quarters, suggesting that the bank is currently prioritizing balance sheet preservation over aggressive expansion of its interest-earning asset base in the Acadiana region.
The lack of meaningful asset growth appears to stem from a strategic preference for holding high levels of cash and securities rather than deploying capital into the loan book. This conservative posture may protect the bank from credit volatility but likely limits the potential for significant earnings expansion in the near term.
As reported in quarterly filings, the bank maintains an equity-to-assets ratio consistently near 0.30, which, based on the provided data, indicates a fortress-like capital position that significantly exceeds regulatory requirements but simultaneously exerts downward pressure on return on equity metrics for shareholders.
The bank's capital-heavy structure suggests that management has not yet fully leveraged its balance sheet to optimize shareholder returns. Investors should monitor whether this capital buffer is eventually deployed toward strategic M&A or if it remains a permanent drag on the bank's overall profitability profile.
Based on the bank's reported figures, cash and equivalents fluctuated from a peak of $76 million in 2024Q1 to $25.2 million by 2025Q4, reflecting a persistent liquidity profile that appears to be underutilized in the current interest rate environment relative to the bank's total asset base.
The significant allocation to cash and investment securities suggests a cautious approach to liquidity management that may be hindering net interest margin expansion. This reliance on low-yielding liquid assets appears to be a primary factor in the bank's stagnant net interest income growth observed over the last two years.
As evidenced by the balance sheet data, the investment securities portfolio consistently accounts for over 75% of total assets, which warrants further investigation into the duration risk and potential unrealized losses that could impact tangible book value if interest rates remain elevated for an extended period.
The heavy concentration in securities rather than loans suggests that the bank's balance sheet is more sensitive to market-wide interest rate fluctuations than to localized credit events. This structural mismatch may expose the bank to significant valuation volatility that is not immediately apparent in the headline net interest margin.
Quick answers to the most common questions about buying CLST stock.
As of 2025, Catalyst Bancorp, Inc. (CLST) had total assets of $282.9M including $75.0M in current assets.
Catalyst Bancorp, Inc. (CLST) carries total debt of $14.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Catalyst Bancorp, Inc. (CLST) has total shareholders' equity (book value) of $81.7M ($21.93 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Catalyst Bancorp, Inc. (CLST) reported a current ratio of 0.40x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.