# CATALYST BANK
OPELOUSAS, LA · FDIC certificate 29804 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $286.8M | |
| Deposits | $201.2M | |
| Loans and leases | $162.8M | |
| Total equity | $74.6M | |
| Loans / deposits | 79.84% (p62 of band) | 73.59% |
| Liquid assets / assets | 35.34% (p56 of band) | |
| Uninsured deposits / deposits | 26.33% (p73 of band) | 19.81% |
| Brokered deposits | 2.39% | |
| Wholesale funding | 5.80% (p75 of band) | |
| FHLB advances / assets | 3.41% | |
| Tier 1 leverage | 26.55% (p93 of band) | 11.76% |
| Unrealized securities loss / equity | -5.68% (p54 of band) | -6.57% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 0.93% (p36 of band) | 1.17% |
| Net interest margin | 4.01% (p55 of band) | 3.93% |
| Efficiency ratio | 75.22% (p70 of band) | |
| Noncurrent loans | 1.43% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 94.10% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 21.24% (p54 of band) | |
| Auto loans | $48,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | securities losses >30% of equity |
| 2012-03 | 5 | charge-offs p90, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 6 | deposits shrinking |  |
| 2012-09 | 5 |  | assets shrinking |
| 2012-12 | 4 |  | charge-offs p90 |
| 2013-03 | 3 |  | deposits shrinking |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | uninsured deposits leaving |  |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2017-12 | 3 | deposits shrinking |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | wholesale funding >15% |  |
| 2018-12 | 3 |  | charge-offs p90, wholesale funding >15% |
| 2019-03 | 4 | wholesale funding >15% |  |
| 2019-06 | 5 | uninsured deposits leaving |  |
| 2019-09 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 |  | reserve under noncurrent, wholesale funding >15% |
| 2020-03 | 2 | wholesale funding >15% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2020-12 | 3 | losing money, expense ratio p90 |  |
| 2021-03 | 1 | charge-offs p90 | capital falling, losing money, expense ratio p90 |
| 2021-06 | 1 | expense ratio p90 | charge-offs p90 |
| 2021-09 | 1 | capital falling | expense ratio p90 |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2022-12 | 3 |  | uninsured deposits leaving |
| 2023-03 | 1 |  | deposits shrinking, assets shrinking |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 5 | reserve under noncurrent, uninsured deposits leaving |  |
| 2023-12 | 0 |  | expense ratio p90, deposits shrinking, assets shrinking, reserve under noncurrent, uninsured deposits leaving |
| 2024-03 | 4 | losing money, expense ratio p90, charge-offs p90, uninsured deposits leaving |  |
| 2024-06 | 2 |  | expense ratio p90, uninsured deposits leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | charge-offs p90 |
| 2025-03 | 0 |  | losing money |
| 2025-06 | 1 | assets shrinking |  |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [Catalyst Bancorp, Inc. Completes Acquisition of Lakeside Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQRnQxbFJPOWllOXF6MVVPY1h3cDdkZlBONXkzNEcyRDBzZHVhY0dBSHdvRmQ0N1BPeThmaWtiWmZOSGJQMDJ4dHh1ZDh5bTZEWGJWRWYycUdyZF84bHZBZnp2WUtkdkhnbGF4djI2TWpSM3lsNjRHUm94QXVxRGRtV0lvQkxpcjUySE9nNDhxdHFMQlFnR190VFZXN1lLZkZRWWVROU5LTFdUVkRsU1Ntd19qc3daRlRVNVJpMzQ5TS16U1U?oc=5) · PR Newswire
- 2026-07-15 [Catalyst Bank completes merger with a Lake Charles-based bank. See the details. - theadvocate.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQRzF3aVFLRmhGRkU5ejFPU1l4TXB1cFdnY1ltNmtqME9sOG1iRGV4OEN6V0NlZ2wzai1MUXdMdEtNUEN5NllULXJqR3BEUGVETjdsZUkyWVhXTFM2ME82cXhvM1JMeGZlRjZoU2w1cmNaVUliTV9LQTVvN045ZHEyaW9zUEZqaUJsY2h0UVBpVmF2MEgycDlVUUpMWGs0MVJmWmlhN0RTTHVuSVEtY3hJcVZQRTdjUzFpa29FVS1oa1MyMzBkM29LV2pXQWxUVDg4TEpncGRFTTByMXRaeUN5X3FkdmY?oc=5) · theadvocate.com
- 2026-07-14 [Catalyst Bancorp Completes Acquisition Of Lakeside Bancshares, Creating A $620 Million Community Bank Across Southwest Louisiana - Pulse 2.0](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQNU1LT1hnZnNCdXoxc24xSGNvSDcyTHo0aFFqMmktMTRVbXFFbjIwZ3hyWlR6WmlEVGJQTld4c1Q5REdVY1BpQ3l3NU1TVHVvLWQxd0ZGSUdjdUZ4REExNUthWENBaktaeVZ3bEl4dDF1MXNCRFlGOWRwbXJ5dXBXU3NYWGFVa2kzcTBFcENxSTRoNkxOZVE0UllicGhyMG42MktoakZKZzcxRDZqZ29XS2VrVEtmdVo3M0g4djhZWi0xQjdfNHBsYXBlTmlzOXBBampRSGphMzJCY0VTSC1Z0gHkAUFVX3lxTFBCR2czZW43MmxDOVR6amxSN3RTYmlDT2Q0UThxQS1QRHNKMnRnT1hETVZIOXdRWGhqNldFTl8wUlU3RzAzSlJxMFNUQU1mVmdYWEE4ZGdjSnUxNjhUSnY5VmpuLWN5VlVHcTJ2SVV1aVp6QlNOOU4wN0o5M1NJdW1MUGJaby1QZEpIYXdzSWcteTBYT1FIUzRFU3pJOUo3S2dVWGxNUkMwdkhlVzVPdGE0ZEtlSnZOS2RQS2x5Y0hiVDNaSHpwMW5Rb0FSWTlQZVFOZHBNd3lzSUJkeHo1S0hkZ1cwcQ?oc=5) · Pulse 2.0
- 2026-04-08 [Catalyst Bancorp, Inc. Announces Agreement to Acquire Lakeside Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxQOG5qRXRmbWZTbk93YW5Ic2l3OTZXSFp4TEhDTUw1WWJGNml2TXdqeEVEQ3FHc09ITkxqdk5KTzBZaDJmMUN5U0g2ekp3MWp3MDZldkszV05HM1d1TjJuMS0tXzNEUTlPVjZFMWdwd2ItcTZla193V3FONzlZamlpTjlMY2pNWTBTalZjam1XdlE0NV93WDI0eFpQWERmS0JvLWRwS25JaXl3ZDdoWTlsaDlKQUtmOVQ5RllMVHpHQno5VnFHRE9icjZHMA?oc=5) · PR Newswire
- 2026-06-26 [Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. Announce Shareholder and Regulatory Approvals for Pending Mergers - PR Newswire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOdVRjTU9NN3JPbTVUQkNTX0lxNC1QaGF5dDlEd2syd1I5RDd4VFAwTUMyVTRMSm93YW5mcTB4bXBERlBKSjNfa2s2dEJOelFqSTNwS3cyeHM2Y0N2S1lFSFRCMnY3UHUtTTBjZTB3YnRzOTQtTVM1Z2ZOSjc3ekx4M2gwdFRhRGhTcUcteVZzaDcySVk1Y1BJMExZbEY3U2Nta0FHNEthTjh4LXZOZ3NSSjl2aVlRWUQwVERxZXo4SWluRGhUa2liNjhiTHZHMXIxRTRVOEllRHNqYjZXNjIyT2plQzY1VkRsMGhzb01xeFFhc2xVTzdUNEhNRy1Ucms?oc=5) · PR Newswire
- 2026-05-11 [A longtime Lafayette banker's take on the state's economy: 'Louisiana is due for a 10-year run' - theadvocate.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOdXAzVGpURXBjWkZncjFsLW1zNkg2ZjJINHhnSGxzc2xfdXZ6OWhRSXJPY3FnWlh4TnQ3U2NObjVNUS1LY3NURWhyMXJ4bi13bkhGcHVoYmFnRldfQmhzTXFDT0VPV3pYQWJjX0l6SW1YVVI1X3dkYVNaU1ZLLVJaZWMxbktvS1M4LXpiSk9sU2MtUTR5T0lhR00waEZYVkh2bkpxaVNTMDU2b1hxa0EtVFJYSVl2SE5OWEVzN3ExRmNSeDN3cVFqU2FGTXlock9nSVdQNl9ROW9IdGZQTWh3dlBfOWJxNmxqaWlZ?oc=5) · theadvocate.com
- 2026-04-09 [Catalyst Bancorp: $41.1 Million Acquisition Of Community Bank Lakeside Bancshares - Pulse 2.0](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTUh0eVJVbGxQdkFxRWZFTHpKSk81RXI1U1o2QVQ3VEN5RGRvUlJPT2JoU0NFWTJFV3JVTFYzV291d0RjRk1wSkhVMjN5ekdtX2RuMTY1RDVjU1pHSEh1SHlYSldxTzBZNnRsUVR0MzBfNTgtbXowSWNvSnRSMGF1ZjJnZTBEWl9JTzdGaEJUYXZKX2FNR1RyWVRwYVNkMFBH0gGmAUFVX3lxTE11b0dvR1VzMThZVGR1T2prWEFKR21QNHFURnFLcHN3WGZLSmc4VDZLQVk0c1dleTdwNnJkOURlaWlaMFhwSkJyU3FWU1JaM3RFdEYyS2pHM1ZNMWVGM204RFBSUXJiZE1nM1RMY2V4VVlNSUFRZERWWUk0eTEtLThHLUd3LUlhRjgtTWNDRTlHRXJMVTlJeHZjd0J1MXh6czRUS05VVmc?oc=5) · Pulse 2.0
- 2025-08-23 [Catalyst Bank Welcomes Candace Papilion - St. Landry Now Online Newspaper](https://news.google.com/rss/articles/CBMikwFBVV95cUxPOXlsanhuQ2lmZ0FEUUFhNzRSSEJfLWZteWtMZ1U1S3FSMWRhd1NMY0l4UGtZX2Nzai1TY0w2Ym1YZ1g4QkhlTXg2ME1wdzBQbG0yZmtYZlBMemV0VmtKdy1jbUlHV3BvNHVPcTRDTUVNNGozN3FweTZXc2xtelg1SkZFZE0zaWV3Z1MySDhPSUxIODQ?oc=5) · St. Landry Now Online Newspaper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29804 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "29804", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide