Catalyst Bancorp, Inc. CLST

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
32/100
Developing

Ranked against 399 peers in Banks - Regional

About Catalyst Bancorp, Inc.

Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking products and services to individuals and businesses in Louisiana. The company accepts various deposit products, including demand and NOW accounts, money market accounts, savings accounts, and certificates of deposit. It also offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential … Full CLST analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.73), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.16).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.23).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
30
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where CLST ranks in Banks - Regional

Catalyst Bancorp, Inc. ranks #308 of 393 scored companies in Banks - Regional by moat score — the top 78%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
304 Middlefield Banc Corp. MBCN 33/100 Developing
305 Summit State Bank SSBI 32/100 Developing
306 Eastern Bankshares, Inc. EBC 32/100 Developing
307 Chemung Financial Corp CHMG 32/100 Developing
308 Catalyst Bancorp, Inc. CLST 32/100 Developing
309 Dime Community Bancshares, Inc. DCOMP 31/100 Developing
310 Peapack-Gladstone Financial Cor PGC 31/100 Developing
311 Washington Trust Bancorp, Inc. WASH 31/100 Developing
312 Banco Macro S.A. BMA 31/100 Developing

See every Banks & Lenders company ranked by moat score →

How CLST scores on the Bank Specialized defenses

Deposit Franchise

Score 30 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 20 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 48 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 20 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 51 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 15 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding CLST's moat

What is Catalyst Bancorp, Inc.'s moat score?

Catalyst Bancorp, Inc. (CLST) scores 32 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #308 of 393 scored companies in Banks - Regional, the top 78%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (51/100) and its weakest is Risk Management (15/100).

How does Catalyst Bancorp, Inc. compare with other Banks - Regional companies?

Catalyst Bancorp, Inc. ranks #308 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Chemung Financial Corp (CHMG) at 32 just above it and Dime Community Bancshares, Inc. (DCOMP) at 31 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Catalyst Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Catalyst Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and CLST scores: Deposit Franchise (30), Lending Advantage (20), Capital Strength (48), Cost Discipline (20), Revenue Diversification (51), Risk Management (15). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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