BanksCATALYST BANK

CATALYST BANK

OPELOUSAS, LASmallEst. Jan. 1, 1922, midnightFDIC #29804RSSD #420578OCC
Latest · 2025-12-31

CATALYST BANK is an 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%. CET1 capital ratio: 42.45%, well above regulatory minimums. NPL ratio: 1.32% · Texas Ratio: 3.03%. Operates 6 domestic branches.

Assets
$280M
Deposits
$191M
Loans
$170M
Equity
$73M

Profitability

Return on Assets (ROA)0.70%
Return on Equity (ROE)2.71%
Net Interest Margin3.87%
Yield on Assets5.48%
Cost of Funds2.02%

Asset Quality

NPL Ratio1.32%
Net Charge-Off Ratio0.07%
Texas Ratio3.03%
NPA Ratio0.82%
ACL / Loans1.39%

Capital & Liquidity

CET1 Ratio42.45%
Tier 1 Capital42.45%
Total Capital Ratio43.71%
Leverage Ratio27.36%
Loan-to-Deposit89.25%

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