Catalyst Bank
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Data as of · sourced from FFIEC call reports. How we update
Catalyst Bank is an FDIC-insured savings institution headquartered in Opelousas, LA, established in 1922 (FDIC certificate 29804), and it is supervised by the OCC. At Q2 2026 it reported total assets of $286.8M, up 6.0% from Q2 2025, the 62nd largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 43.37% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29804
- Headquarters
- Opelousas, LA
- Established
- 1922
- Total assets, Q2 2026
- $286.8M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 43.37%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 265270772
- Holding company
- CATALYST BANCORP, INC.
- Asset rank in state
- 62nd of 102 in Louisiana
Problem loans are rising at Catalyst Bank. Its balance sheet stood at $287 million at June 30, 2026, up 6.0% from a year earlier; it is based in Opelousas, Louisiana. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.43% of loans from 1.00% a year earlier. It returns 3.5% a year on shareholders' equity, about a third the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 43.37% of its risk-weighted assets, about triple the median of 15.12% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 2.9% and deposits rose 6.7%. Its $18 million non-owner-occupied commercial real estate book is improving, with 0.40% past due or on nonaccrual, down from 2.07% a year earlier. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Catalyst Bank reported a CET1 capital ratio of 43.37%, a return on assets of 0.90%, a nonperforming-loan ratio of 1.43% and a Texas ratio of 3.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Catalyst Bank is the 62nd largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $286.8M, loans fell 0.5% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.1% of total loans, followed by commercial and industrial loans at 16.1%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in LA; its Opelousas 2 offices book 57% of its branch deposits. Judged on its Q2 2026 call report, Catalyst Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 235 N Court St, Opelousas, LA 70570
- County
- St. Landry
- Metro Area
- Opelousas, LA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Former names
- St Landry Homestead Federal Savings Bank (1989-2022)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $201.2M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $38K
- Average total assets
- $289.0M
- Average total loans
- $163.7M
- Average interest-bearing deposits
- $162.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29804
- Fed RSSD
- 420578
- SEC CIK
- 1849867 → filed by CATALYST BANCORP, INC.
- Website
- www.catalystbank.com →
- Parent Holding Company
- CATALYST BANCORP, INC. (RSSD 5587775) · CLST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Joseph B Zanco | CEO | PRESIDENT AND CEO |
| Bourque Jacques L.J. | CFO | CHIEF FINANCIAL OFFICER |
| Amanda B. Quebedeaux | COO | Chief Operations Officer |
| Don P Ledet | CRO | CHIEF RISK OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Catalyst Bank's total assets ranged from $247.1M (Q3 2023) to $291.5M (Q2 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$286.8M total assets against $270.5M; $212.2M total liabilities against $199.2M.
$160.6M net loans and leases against $165.1M; $201.2M total deposits against $188.5M.
$64.4M securities against $41.3M; $37.0M cash and balances due against $40.1M.
$3.6M total interest income against $3.4M; $993K total interest expense against $993K.
$2.6M net interest income against $2.5M.
$352K total noninterest income against $344K; $2.2M total noninterest expense against $2.1M.
-$104K provision for credit losses against $0.
$653K net income against $581K.
0.90% return on assets against 0.87%; 3.89% net interest margin against 4.01%.
43.37% CET1 capital ratio against 43.72%; 26.55% tier 1 leverage ratio against 27.56%.
Inside the full Catalyst Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCatalyst Bank rankings
Its closest position to the top of a national ranking is 13 of 2,134, for CET1 ratio; its furthest is 3,099 of 3,606, for efficiency ratio.
Banks merged into Catalyst Bank
- Lakeside Bank, effective July 14, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 0.98% (Q4 2024) and its net interest margin ran from 3.80% (Q1 2026) to 4.01% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 43.37% | 0.90% | 1.43% | 3.03% | 3.89% |
| Q1 2026 | 44.29% | 0.91% | 1.64% | 3.56% | 3.80% |
| Q4 2025 | 42.45% | 0.72% | 1.55% | 3.55% | 3.96% |
| Q3 2025 | 43.95% | 0.77% | 1.11% | 2.55% | 3.92% |
| Q2 2025 | 43.72% | 0.87% | 1.00% | 2.37% | 4.01% |
| Q1 2025 | 46.95% | 0.93% | 0.99% | 2.21% | 3.87% |
| Q4 2024 | 45.81% | 0.98% | 0.98% | 2.38% | 3.97% |
| Q3 2024 | 45.71% | 0.69% | 0.87% | 2.10% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Catalyst Bank (main office) | Opelousas , LA | 70570 | $99.4M |
| South College Branch | Lafayette , LA | 70503 | $31.9M |
| Port Barre Branch | Port Barre , LA | 70577 | $25.5M |
| Eunice Branch | Eunice , LA | 70535 | $17.8M |
| Harry Guibeau Branch | Opelousas , LA | 70570 | $16.0M |
| Carencro Branch | Carencro , LA | 70520 | $10.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 14, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2026 | Structure Change | Acquired Lakeside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 80 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 18 loans originated, $6.9M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Catalyst Bank
What are Catalyst Bank's total assets?
As of the Q2 2026 filing, Catalyst Bank reported total assets of $286.8 million in its FFIEC call report.
Where is Catalyst Bank headquartered?
It is headquartered in Opelousas, LA, United States.
When was Catalyst Bank founded?
It was established in 1922, per the FDIC institution directory.
Is Catalyst Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29804). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Catalyst Bank?
Catalyst Bank's primary federal regulator is the OCC.
What is Catalyst Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 43.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Catalyst Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Catalyst Bank's Texas Ratio?
Its Texas Ratio is 3.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Catalyst Bank previously called?
The charter now named Catalyst Bank has also operated as St Landry Homestead Federal Savings Bank (1989-2022), per FDIC structure-change records.
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