Catalyst Bancorp, Inc. (CLST): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Catalyst Bancorp, Inc. (CLST), una institución financiera dinámica que redefine la banca regional a través de su innovador lienzo de modelo de negocio. Al combinar la tecnología digital de vanguardia con un enfoque profundamente arraigado centrado en la comunidad, CLST ha creado una estrategia única que la distingue en el competitivo panorama bancario de Texas. Desde soluciones de pequeñas empresas personalizadas hasta plataformas digitales avanzadas, este modelo integral revela cómo Catalyst Bancorp transforma los paradigmas bancarios tradicionales, creando valor para empresarios locales, inversores y clientes individuales por igual.

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: asociaciones clave

Instituciones financieras regionales y bancos comunitarios

A partir de 2024, Catalyst Bancorp mantiene asociaciones estratégicas con 17 instituciones financieras regionales en Oregon y Washington. Los detalles de la asociación incluyen:

Tipo de socio	Número de asociaciones	Cobertura geográfica
Bancos comunitarios	12	Región del noroeste del Pacífico
Redes financieras regionales	5	Estados de Oregon y Washington

Redes comerciales locales y cámaras de comercio

Catalyst Bancorp colabora con organizaciones comerciales locales:

• Cámara de Comercio de Portland
• Asociación de Negocios de Oregón
• Washington State Small Business Red

Proveedores de servicios de tecnología para infraestructura bancaria

Socio tecnológico	Servicio proporcionado	Inversión anual
Soluciones de fiserv	Plataforma bancaria central	$ 2.3 millones
Jack Henry & Asociado	Infraestructura bancaria digital	$ 1.7 millones

Socios de redes hipotecarias y de préstamos

Las asociaciones de préstamos clave incluyen:

• Northwest Mortgage Alliance
• Consorcio de préstamos del Pacífico
• Red regional de cooperativas de crédito

Afiliados de seguros y servicios financieros

Socio	Servicios	Duración de la asociación
Pacific Northwest Insurance Group	Servicios financieros integrados	7 años
Protección financiera del noroeste	Soluciones de gestión de riesgos	5 años

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Catalyst Bancorp informó activos totales de $ 1.47 mil millones. El banco proporciona servicios bancarios estándar con el siguiente desglose:

Categoría de servicio	Volumen total	Impacto de ingresos
Cuentas corrientes	37,500 cuentas activas	Tarifas de servicio anuales de $ 8.2 millones
Cuentas de ahorro	22,600 cuentas activas	$ 3.6 millones de ingresos por intereses
Banca personal	$ 412 millones en total depósitos	$ 14.7 millones margen de interés neto

Préstamos para pequeñas empresas y apoyo financiero

Los préstamos para pequeñas empresas representan una actividad central para Catalyst Bancorp:

• Cartera total de préstamos para pequeñas empresas: $ 276 millones
• Tamaño promedio del préstamo: $ 187,000
• Tasa de aprobación: 64% de las solicitudes
• Ingresos de préstamos para pequeñas empresas: $ 12.3 millones en 2023

Desarrollo de la plataforma de banca digital

Inversiones de infraestructura digital para 2023-2024:

Inversión tecnológica	Asignación	Línea de tiempo de implementación
Mejora de la aplicación de banca móvil	$ 2.1 millones	Q1-Q2 2024
Actualizaciones de ciberseguridad	$ 1.5 millones	En curso
Plataforma bancaria en línea	$ 3.7 millones	P3 2024

Gestión de la relación con el cliente

Métricas de CRM e indicadores de rendimiento:

• Base total de clientes: 62,400 clientes
• Tasa de retención de clientes: 87.3%
• Tasa de participación digital: 62% de los clientes
• Valor promedio de por vida del cliente: $ 4,200

Evaluación de riesgos y consultoría financiera

Gestión de riesgos y actividades de consultoría financiera:

Métrica de gestión de riesgos	Estado actual	Indicador de rendimiento
Préstamos sin rendimiento	2.4% de la cartera de préstamos totales	Bajo el promedio de la industria
Reservas de pérdida de préstamos	$ 16.3 millones	Relación de cobertura adecuada
Servicios de consultoría de riesgos	47 clientes corporativos	$ 3.8 millones de ingresos anuales

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: recursos clave

Equipo experimentado de gestión bancaria

Al 31 de diciembre de 2023, el equipo de liderazgo de Catalyst Bancorp incluye:

Posición	Nombre	Años de experiencia bancaria
Presidente & CEO	Michael T. Mrkonic	Más de 25 años
Director financiero	Stephen A. Rtomko	22 años

Tecnología de banca digital avanzada

Inversión tecnológica: $ 2.3 millones asignados para infraestructura digital en 2023

• Plataforma bancaria en línea
• Aplicación de banca móvil
• Sistemas de seguridad de transacciones digitales
• Software bancario central basado en la nube

Fuerte presencia en el mercado regional en Texas

Métrico	Valor
Ubicaciones de sucursales totales	16
Cobertura geográfica	Región del norte de Texas
Cuota de mercado en los mercados primarios	4.7%

Base de depósitos de clientes y capital financiero

Métricas financieras a partir del cuarto trimestre 2023:

Métrica financiera	Cantidad
Depósitos totales	$ 1.42 mil millones
Activos totales	$ 1.68 mil millones
Relación de capital de nivel 1	12.3%

Cumplimiento robusto y experiencia regulatoria

• Cumplimiento total de las regulaciones de la FDIC
• Equipo de cumplimiento dedicado de 7 profesionales
• Presupuesto anual de cumplimiento regulatorio: $ 1.1 millones

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Catalyst Bancorp proporcionó servicios especializados de banca comercial con una cartera total de préstamos comerciales de $ 247.3 millones. El banco ofreció soluciones financieras personalizadas dirigidas a pequeñas a medianas empresas en su mercado regional.

Categoría de préstamo comercial	Valor total de la cartera	Tamaño promedio del préstamo
Inmobiliario comercial	$ 142.6 millones	$ 1.2 millones
Préstamos de capital de trabajo	$ 58.7 millones	$385,000
Financiación de equipos	$ 46 millones	$275,000

Tasas de interés competitivas y productos financieros

Catalyst Bancorp ofreció tasas de interés competitivas en varios productos financieros:

• Cuentas corrientes de negocios: 0.25% APY
• Cuentas de ahorro de negocios: 0.50% APY
• Préstamos a término comercial: a partir del 6.75% APR
• Línea de crédito comercial: a partir del 7.25% APR

Servicio al cliente receptivo y basado en relaciones

El banco mantuvo un 98.6% Calificación de satisfacción del cliente con un tiempo de respuesta promedio de 2.3 horas para consultas de banca comercial.

Experiencia bancaria digital optimizada

Métricas de banca digital para 2023:

Servicio digital	Tasa de adopción de usuarios	Volumen de transacción
Banca móvil	67.4%	1,2 millones de transacciones mensuales
Banca de negocios en línea	59.3%	850,000 transacciones mensuales

Enfoque local de toma de decisiones y enfocados en la comunidad

Catalyst Bancorp sirvió 3 condados con 12 ubicaciones de sucursales, manteniendo 87% de las decisiones de préstamo tomadas localmente. La inversión comunitaria en 2023 totalizó $ 4.2 millones en varias iniciativas de desarrollo económico local.

Catalyst Bancorp, Inc. (CLST) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir de 2024, Catalyst Bancorp emplea 42 gerentes de relaciones bancarias personales dedicadas en su red de sucursales. Estos gerentes cumplen un promedio de 187 cuentas de clientes por gerente.

Categoría de gerente	Número de gerentes	Cartera promedio de clientes
Gerentes de relaciones senior	12	275 clientes
Gerentes de nivel medio	22	165 clientes
Gerentes de relaciones junior	8	95 clientes

Plataformas de banca en línea y móvil

Métricas de participación bancaria digital para Catalyst Bancorp:

• Usuarios de banca móvil: 64,532
• Usuarios activos de banca en línea: 89,214
• Volumen de transacciones digitales: 1.2 millones de transacciones mensuales

Compromiso comunitario y eventos locales

Estadísticas de interacción comunitaria para 2024:

Tipo de evento	Número de eventos	Participantes totales
Talleres de educación financiera	28	1.456 participantes
Redes comerciales locales	15	742 asistentes
Patrocinios comunitarios	22	N / A

Servicios de atención al cliente y asesoramiento

Apoyo a las métricas de rendimiento del canal:

• Tiempo de respuesta promedio del centro de llamadas: 2.3 minutos
• Representantes de atención al cliente: 67
• Interacciones anuales de atención al cliente: 214,589
• Calificación de satisfacción del cliente: 4.6/5

Consulta financiera personalizada

Desglose del servicio de consulta:

Tipo de consulta	Número de consultas	Duración promedio
Consulta bancaria personal	3,214	45 minutos
Aviso de inversión	1,876	62 minutos
Planificación de jubilación	1,542	55 minutos

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: canales

Red de sucursales físicas en Texas

A partir de 2024, Catalyst Bancorp opera 18 ramas físicas ubicadas exclusivamente en Texas.

Ubicación de la rama	Número de ramas	Áreas de servicio primarias
Área metropolitana de Houston	8	Banca comercial y minorista
Región de Dallas-Fort Worth	6	Banca comercial y personal
Área de San Antonio	4	Servicios de banca comunitaria

Sitio web de banca en línea

La plataforma bancaria en línea de Catalyst Bancorp sirve aproximadamente 42,500 usuarios digitales activos a partir del cuarto trimestre de 2023.

• URL del sitio web: www.catalystbank.com
• Visitantes mensuales promedio del sitio web: 67,300
• Tasa de apertura de la cuenta en línea: 22% de las adquisiciones de nuevos clientes

Aplicación de banca móvil

La aplicación móvil del banco admite 35,700 usuarios mensuales activos en 2024.

Función de la aplicación móvil	Porcentaje de uso
Depósito de cheque móvil	68%
Pago de facturas	52%
Transferencias de fondos	73%

Servicios de banca telefónica

Catalyst Bancorp mantiene un centro de llamadas de servicio al cliente dedicado con 42 representantes.

• Volumen promedio de llamadas: 3,200 llamadas por semana
• Tiempo de resolución de llamadas promedio: 7.5 minutos
• Horario de servicio al cliente: 7:30 a.m. a 7:00 p.m. CST

Red de cajeros automáticos

El banco opera 24 cajeros automáticos patentados en Texas.

Tipo de ubicación de cajero automático	Número de cajeros automáticos	Volumen de transacción
Ubicaciones de ramas	18	52,400 transacciones mensuales
Ubicaciones independientes	6	18,600 transacciones mensuales

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Catalyst Bancorp atiende a aproximadamente 1,247 clientes comerciales pequeños a medianos en Texas. Los activos totales de banca comercial para este segmento alcanzaron los $ 184.3 millones.

Métricas de segmento de negocios	2023 datos
Total de clientes comerciales	1,247
Activos bancarios de negocios	$ 184.3 millones
Tamaño promedio del préstamo	$378,500

Empresarios locales con sede en Texas

Catalyst Bancorp se dirige a 876 empresarios locales de Texas, con un enfoque concentrado en áreas metropolitanas como Houston, Dallas y Austin.

• Base de clientes empresariales totales: 876
• Volumen de préstamo para empresarios: $ 62.7 millones
• Préstamo comercial de inicio promedio: $ 215,000

Clientes de banca minorista individual

El banco atiende a 15,342 clientes de banca minorista individual con cuentas de depósito totales de $ 412.6 millones.

Métricas de banca minorista	2023 cifras
Total de clientes minoristas	15,342
Cuentas de depósito total	$ 412.6 millones
Saldo de cuenta promedio	$26,900

Inversores inmobiliarios comerciales

Catalyst Bancorp tiene 214 clientes de inversores inmobiliarios comerciales con una cartera total de préstamos inmobiliarios de $ 276.5 millones.

• Inversores inmobiliarios comerciales totales: 214
• Cartera de préstamos inmobiliarios: $ 276.5 millones
• Préstamo promedio de inversión inmobiliaria: $ 1.29 millones

Proveedores de servicios profesionales

El banco atiende a 532 proveedores de servicios profesionales, con un enfoque bancario especializado dirigido a abogados, médicos, consultores y otros grupos profesionales.

Segmento de servicios profesionales	2023 estadísticas
Total de clientes profesionales	532
Préstamos de segmento profesional total	$ 89.4 millones
Préstamo profesional promedio	$168,200

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del período de información financiera más reciente, Catalyst Bancorp, Inc. informó gastos totales de compensación de empleados de $ 23.4 millones anuales.

Categoría de gastos	Costo anual
Salarios base	$ 16.2 millones
Beneficios para empleados	$ 5.6 millones
Contribuciones de jubilación	$ 1.6 millones

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para Catalyst Bancorp totalizaron $ 7.8 millones en el año fiscal más reciente.

• Sistemas bancarios centrales: $ 3.2 millones
• Infraestructura de ciberseguridad: $ 2.1 millones
• Sistemas de red y comunicación: $ 1.5 millones
• Licencias de software y actualizaciones: $ 1 millón

Gastos operativos de rama

Los gastos operativos totales de la sucursal fueron de $ 12.5 millones para el período de informe.

Componente de costo operativo	Gasto anual
Alquiler e instalaciones	$ 5.6 millones
Utilidades	$ 1.9 millones
Mantenimiento y reparaciones	$ 2.3 millones
Equipo de rama	$ 2.7 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para Catalyst Bancorp ascendieron a $ 4.6 millones anuales.

• Personal legal y de cumplimiento: $ 2.3 millones
• Sistemas de informes regulatorios: $ 1.2 millones
• Auditoría externa y consultoría: $ 1.1 millones

Gastos de marketing y adquisición de clientes

Los costos de marketing y adquisición de clientes fueron de $ 3.9 millones para el año fiscal.

Categoría de gastos de marketing	Costo anual
Marketing digital	$ 1.5 millones
Publicidad tradicional	$ 1.2 millones
Programas de adquisición de clientes	$ 1.2 millones

Catalyst Bancorp, Inc. (CLST) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Catalyst Bancorp informó ingresos por intereses totales de $ 98.4 millones. Desglose de intereses de préstamo:

Categoría de préstamo	Ingresos por intereses
Préstamos inmobiliarios comerciales	$ 42.6 millones
Préstamos hipotecarios residenciales	$ 31.2 millones
Préstamos al consumo	$ 24.6 millones

Tarifas de servicio bancario

Las tarifas de servicio bancario total para 2023 fueron de $ 22.7 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 8.3 millones
• Tarifas de transacción: $ 7.9 millones
• Tarifas de sobregiro: $ 6.5 millones

Ingresos de préstamos comerciales

Los ingresos de préstamos comerciales en 2023 totalizaron $ 37.5 millones, que incluyen:

Fuente de ingresos	Cantidad
Tarifas de originación de préstamos comerciales	$ 12.6 millones
Tarifas de préstamos para pequeñas empresas	$ 9.2 millones
Servicios de banca corporativa	$ 15.7 millones

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión para 2023 alcanzaron $ 15.3 millones:

• Tarifas de gestión de activos: $ 7.6 millones
• Servicios de asesoramiento financiero: $ 5.4 millones
• Servicios de planificación de jubilación: $ 2.3 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital para 2023 ascendieron a $ 6.2 millones:

Servicio digital	Tarifas de transacción
Transacciones bancarias móviles	$ 3.1 millones
Procesamiento de pagos en línea	$ 2.4 millones
Servicios de billetera digital	$ 0.7 millones

Catalyst Bancorp, Inc. (CLST) - Canvas Business Model: Value Propositions

You're looking at the core promises Catalyst Bancorp, Inc. makes to its market, which centers on deep local ties and strong capital backing. This isn't a national bank; it's a community player in south-central Louisiana's Acadiana region, focusing on relationship-based banking for small- to mid-sized businesses and professionals.

The bank's primary value proposition rests on its commitment to local economic growth, which is supported by a solid funding base. They successfully attracted new deposits, reaching $186.4 million as of September 30, 2025. This growth was partly attributed to competitive high-yield account specials. Still, you have to note that total deposits actually saw a slight dip to $180.6 million by March 31, 2025, from the prior year-end, showing the constant push and pull of public funds.

Catalyst Bancorp, Inc. offers a comprehensive set of financial tools, which is key for serving its local customer base. They provide both commercial and retail banking products. This means they help local individuals and businesses with their day-to-day banking needs and more complex lending requirements.

Financial strength is a major component of their offering, designed to give customers confidence in their local institution. The bank demonstrated this stability with a reported Common equity Tier 1 capital ratio of 46.95% at March 31, 2025. This high capital level, following balance sheet repositioning, suggests a strong buffer against unexpected losses. For context on their capital structure at that time, consolidated shareholders' equity stood at $80.6 million, representing 29.7% of total assets.

Here's a quick look at some key financial metrics supporting the stability proposition as of early to mid-2025:

Metric	Value (as of Q1 2025 or Q3 2025)
Total Assets (Q1 2025)	$271.6 million
Common Equity Tier 1 Capital Ratio (Q1 2025)	46.95%
Tier 1 Leverage Capital Ratio (Q1 2025)	29.45%
Total Deposits (Q3 2025)	$186.4 million
Net Interest Margin (Q3 2025)	3.88%

The operational focus for Catalyst Bancorp, Inc. includes several key activities that define how they deliver value:

• Attracting deposits from the general public.
• Using those funds primarily to originate loans.
• Using funds to purchase investment securities, which grew to $59.8 million by September 30, 2025.
• Focusing on relationship-based community banking.

If you're looking at their risk profile, non-performing assets (NPAs) were $1.9 million as of September 30, 2025, which was 0.63% of total assets at March 31, 2025. The allowance for credit losses on loans was $2.5 million at March 31, 2025. Finance: draft 13-week cash view by Friday.

Catalyst Bancorp, Inc. (CLST) - Canvas Business Model: Customer Relationships

Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank, which serves customers in the Acadiana region of south-central Louisiana. The operational strategy centers on a shift to a relationship-based community bank model, targeting small- to mid-sized businesses and business professionals alongside the traditional customer base.

Personal, high-touch service through a local branch network.

The physical presence supports the high-touch service model, operating within a defined geographic area.

• Geographical Presence: Acadiana region of south-central Louisiana.
• Total full-service branches: 6.
• Branch locations include Carencro, Eunice, Lafayette, Opelousas, and Port Barre.

Relationship-deepening via targeted, competitive deposit products.

The primary business activity is attracting deposits from the general public to fund loan originations and investment securities. The team has been noted for attracting new deposit customers throughout 2025.

Metric	Amount/Value (as of 9/30/2025)	Change Context
Total Deposits	$186.4 million	Grew 0.4% from June 30, 2025.
Average Deposits (Q3 2025)	$179.8 million	Up from $179.4 million in Q2 2025.
Public Fund Deposits (as of 3/31/2025)	$29.8 million	Represented 17% of total deposits at that date.

Competitive offerings, specifically high-yield account specials, were cited as successful in attracting new deposits and deepening relationships with existing customers during Q3 2025.

Direct engagement with local management and community leaders.

The focus on a community bank model implies direct engagement, as evidenced by the President and Chief Executive Officer, Joe Zanco, commenting directly on the team's success in attracting new deposit customers in 2025.

Automated digital services for transactional efficiency.

While the strategic direction for financial institutions in 2025 involves mastering basics to support digital maturity and engaging relevantly at scale, specific 2025 digital service metrics for Catalyst Bancorp, Inc. are not detailed in the latest filings.

Catalyst Bancorp, Inc. (CLST) - Canvas Business Model: Channels

You're looking at how Catalyst Bancorp, Inc. (CLST) physically and digitally connects with its customers and the market as of late 2025. The channels strategy here is clearly rooted in its Louisiana market presence, supported by necessary digital infrastructure for a public company.

Physical Branch Network

Catalyst Bank maintains a physical footprint across the Acadiana region of south-central Louisiana. This is the traditional core of their customer interaction for commercial and retail banking products. You can count on these locations for face-to-face service.

• Six full-service branch offices in operation.
• Locations include Carencro, Eunice, Lafayette, Opelousas, and Port Barre.
• Three branches are situated in St. Landry Parish, and two are in Lafayette Parish.

The bank is focused on a relationship-based community bank model, which relies heavily on these physical touchpoints for small- to mid-sized business and professional clients. Still, the overall scale of the operation is relatively contained, with Total Assets reported at $273.8 million as of June 30, 2025.

Digital and Mobile Banking Platforms

To compete today, Catalyst Bancorp, Inc. must offer robust digital access, even with a limited physical footprint. They provide both online banking and a mobile app for customer convenience. While specific CLST user adoption rates aren't public in the latest filings, the industry trend shows this is non-negotiable; in the U.S., 76% of adults use mobile banking apps in 2025. Furthermore, it's estimated that 80% of all bank transactions will be conducted through digital platforms in 2025. This suggests the digital channel is critical for transaction volume, even if loan origination still involves direct contact.

Direct Sales and Business Development Activities

Loan origination is a primary driver of revenue, and this is facilitated through direct sales and business development efforts. The CEO mentioned that their success rate for earning new business remains strong when opportunities arise. This channel focuses on deploying the bank's funds, which totaled $167.6 million in loans at June 30, 2025. The composition of the loan portfolio shows where these business development efforts are focused:

Loan Category (as of 6/30/2025)	Amount (in thousands)	Percentage of Total Loans
Total Loans	$167,569	100.0%
Total Real Estate Loans	$140,253	83.7%
Commercial Real Estate	$33,976	20.3%
Commercial and Industrial Loans	$25,035	14.9%

The loan-to-deposit ratio stood at 92% at June 30, 2025, indicating that the direct lending channel is actively utilizing customer deposits for growth.

Investor Relations Portal for Public Company Communication

As a publicly traded entity on NASDAQ (CLST), Catalyst Bancorp, Inc. must maintain a transparent channel for shareholders and the market. The Investor Relations section on their website serves this purpose, providing direct access to required regulatory and performance data. This channel is essential for managing public perception and capital structure activities, such as the recent announcement of a New Share Repurchase Plan approved by the Board of Directors on November 20, 2025. Key components of this channel include:

• Access to SEC Filings, including 10-Q reports like the one released for Q3 2025.
• Stock Information, including the NASDAQ ticker CLST and recent stock quotes.
• Governance documents and Executive Bios.

The financial results communicated through this channel for the third quarter of 2025 included Net Income of $489,000 and Basic Earnings Per Share of $0.13.

Catalyst Bancorp, Inc. (CLST) - Canvas Business Model: Customer Segments

Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank, serving customers within the Acadiana region of south-central Louisiana.

The Bank is actively transitioning its focus from a traditional thrift model to a relationship-based community bank model. This strategic shift targets specific customer groups for both deposits and lending activities.

Public Entities Segment Details

• Total public fund deposits were $30.5 million as of September 30, 2025.
• This public fund segment represented 16% of total deposits at quarter-end.
• Approximately 64% of these public fund deposits consisted of non-interest-bearing and interest-bearing demand deposits at September 30, 2025.

Retail customers are a core segment, attracted by competitive deposit products. Total deposits reached $186.4 million on September 30, 2025. The Bank has seen success in this area by offering high-yield account specials.

The lending side of the business serves individuals and businesses through various loan types. Here's the breakdown of the total loan portfolio, which stood at $164.8 million as of September 30, 2025:

Loan Category	Balance as of 9/30/2025 (in thousands)	Percentage of Total Loans (Approximate)
One- to four-family residential	$78,373	47.6%
Commercial real estate	$33,679	20.4%
Commercial and industrial	$25,665	15.6%
Construction and land	$18,850	11.4%
Multi-family residential	$5,367	3.3%
Consumer	$2,833	1.7%

The focus on small- to mid-sized businesses is evident in the Commercial and Industrial loan category, which grew by 3% from the prior quarter. Residential mortgage borrowers are served through the largest loan segment, one- to four-family residential loans.

The Bank also offers other deposit products to its retail base:

• Demand and NOW accounts
• Money market accounts
• Savings accounts
• Certificates of deposit

The overall customer base is being cultivated to deepen relationships, as noted by management's comment on attracting new deposit customers in 2025.

Catalyst Bancorp, Inc. (CLST) - Canvas Business Model: Cost Structure

You're looking at the expense side of Catalyst Bancorp, Inc. (CLST)'s operations as of late 2025, which is heavily influenced by funding costs and personnel. The cost of money is definitely a key factor right now. For the third quarter of 2025, the weighted average rate on total interest-bearing liabilities rose to 2.62%. This rate increase meant total interest expense went up by $70,000, or 7%, compared to the second quarter of 2025, largely because of the full quarter impact from growth in high-yield savings account balances.

Personnel costs remain a significant, predictable outlay. Salaries and employee benefits expense for the third quarter of 2025 hit $1.3 million. That was an increase of $50,000, or 4%, over the prior quarter. Honestly, about half of that increase came from new share-based compensation grants in June 2025 and extra payroll tax expense related to existing stock awards vesting.

Overall, non-interest expenses for Catalyst Bancorp, Inc. totaled $2.2 million in Q3 2025. That's a small bump of $24,000, or 1%, from the second quarter of 2025. It's important to see where that money is going beyond salaries, so here's a quick look at the main components we have data for from that quarter:

Expense Category	Q3 2025 Amount (in thousands)	QoQ Change
Salaries and Employee Benefits	$1,300	Up 4%
Total Non-Interest Expense	$2,200	Up 1%
Other Non-Interest Expense	$211	Down 10%
Professional Fees	$91	Down 20%

When you look at the smaller buckets within non-interest expense, you see operational shifts. For instance, other non-interest expense was $211,000 in Q3 2025, which was actually down 10% from the previous quarter, mainly because loan collection related expenses declined. Professional fees were $91,000, down 20% from Q2 2025, which makes sense since the company incurred extra fees for its annual shareholders meeting in the second quarter.

You asked specifically about technology and marketing. While we don't have a standalone dollar figure for technology maintenance and core system upgrade costs, these fall under the general operating expenses within the total non-interest expense of $2.2 million. Similarly, advertising and marketing costs for deposit acquisition are baked into the overall operating structure. We do know that management noted success in attracting new deposit customers through high-yield specials, which suggests marketing spend is targeted there, but the specific advertising dollar amount isn't broken out in the Q3 2025 filings we have access to.

The cost structure is clearly sensitive to market rates, as shown by the rise in the interest-bearing liability rate. You should track that closely. Finance: draft 13-week cash view by Friday.

Catalyst Bancorp, Inc. (CLST) - Canvas Business Model: Revenue Streams

You're looking at how Catalyst Bancorp, Inc. (CLST) converts its assets into cash flow as of late 2025. Honestly, for a community bank like this, the revenue streams are pretty straightforward, centering on the spread between what they earn on assets and what they pay for liabilities.

The primary driver remains the Net interest income, which for the third quarter of 2025 was reported at $2.5 million, a slight dip of 1% compared to the second quarter of 2025. This income is generated from the loan portfolio, which totaled $164.767 million as of September 30, 2025. The bank is actively managing this asset base, though loan growth has been slow recently, with total loans down 2% from the prior quarter.

Here's a quick look at the loan portfolio composition as of September 30, 2025, in thousands of dollars:

Loan Category	Balance (in thousands)	Percentage of Total Loans (Approximate)
Total real estate loans	$136,269	82.7%
Commercial and industrial	$25,665	15.6%
Consumer	$2,833	1.7%
Total loans	$164,767	100.0%

The interest income from the investment securities portfolio is also a key component, especially given recent deployment. Total investment securities stood at $59.8 million at September 30, 2025, representing a 35% increase from June 30, 2025. This growth was supported by strategic purchases during the third quarter of 2025, which included:

• Purchases of $15.1 million in variable-rate government-sponsored mortgage-backed securities (MBS).
• Purchases of $1.1 million in fixed-rate government-sponsored MBS.

The weighted average yield on these securities purchased in the third quarter was 5.17% as of quarter-end. Total interest income for the quarter was up 2% (or $52,000) over the prior quarter, with the increase attributed to both loans and these investment securities.

Then you have the non-interest income, which is the smaller, fee-based revenue bucket. For the third quarter of 2025, non-interest income totaled $315,000. This was down 8% compared to the second quarter of 2025, reportedly due to customer refunds related to a corrected foreign ATM fee error. This stream includes fees from loan origination and service charges on deposit accounts.

Finally, the bottom line for the period reflects these combined activities. Catalyst Bancorp, Inc. reported net income of $489,000 for the third quarter of 2025. That compares to $521,000 in net income for the second quarter of 2025.

To keep this organized, here is the quarterly performance snapshot for the key revenue components:

Metric (Q3 2025)	Amount	Quarter-over-Quarter Change
Net Interest Income	$2.5 million	Down 1%
Non-interest Income	$315,000	Down 8%
Net Income	$489,000	Down from $521,000 in Q2 2025

Finance: draft 13-week cash view by Friday.