CATALYST BANK

OPELOUSAS, LA | Small | Est. Jan. 1, 1922, midnight | FDIC #29804 | RSSD #420578 | OCC
Latest Report: 2025-12-31

CATALYST BANK is asn small FDIC-insured commercial bank headquartered in OPELOUSAS, LA, established in Jan. 1, 1922, midnight. As of 2025-12-31, the bank reported total assets of $280M and total deposits of $191M. Profitability stands at 0.70% ROA and 2.71% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 42.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.32% and a Texas Ratio of 3.03%. FDIC Certificate #29804.

Assets

$280M

Deposits

$191M

Loans

$170M

Equity

$73M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 2.71%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.48%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 1.32%
Net Charge-Off Ratio 0.07%
Texas Ratio 3.03%
NPA Ratio 0.82%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 42.45%
Tier 1 Capital 42.45%
Total Capital Ratio 43.71%
Leverage Ratio 27.36%
Loan-to-Deposit 89.25%

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