Catalyst Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 1.52% and a Texas ratio of 3.03%, according to its call report filed with the FFIEC.
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)
- Offices
- 10 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Catalyst Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Catalyst Bank, freeCatalyst Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Catalyst Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| 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
What the public regulatory sources show for Catalyst Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Catalyst Bank headquartered?
Catalyst Bank is headquartered in Opelousas, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Catalyst Bank founded?
Catalyst Bank was established in 1922, per the FDIC institution directory.
Is Catalyst Bank FDIC-insured?
Yes. Catalyst Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Catalyst Bank's CET1 capital ratio?
Catalyst Bank 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?
Catalyst Bank operates 10 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?
Catalyst Bank's Texas Ratio is 3.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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