Catalyst Bancorp, Inc. — Form 8-K
Filed July 30, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 72/100
What the filing says
On July 14, 2026, Catalyst Bancorp (market cap ~$43M) completed acquisition of Lakeside Bancshares and Lakeside Bank. Q2 2026 net income was $524,000 ($0.14 diluted EPS) vs. Q1 $558,000 ($0.15 EPS). Merger-related expenses totaled $87,000 pre-tax in Q2. Post-merger, consolidated equity is estimated at $78.7M (12.5% of assets, down from 28.5% pre-merger). Company repurchased 24,206 shares at $16.20/share. Total assets reached $290.0M at June 30, 2026. Loan portfolio declined 1% to $162.8M; deposits grew 1% to $196.4M; non-performing loans improved to 1.43% of loans.
Why this rating
Merger meaningful to small company—equity dilution to 12.5% is material but typical post-acquisition. Growth in assets offset by moderate earnings pressure and integration costs.
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