# EDGAR Filing Document

**Accession Number:** 0001849867
**File Stem:** 0001910868-26-000004
**Filing Date:** 2026-2
**Character Count:** 9504
**Document Hash:** 93bef23a1d554f130416ea593bbdc0da
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001910868-26-000004.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0001910868-26-000004

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13G/A

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Catalyst Bancorp, Inc.
- **CENTRAL INDEX KEY:** 0001849867
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 862411762

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-93774
- **FILM NUMBER:** 26629746

**BUSINESS ADDRESS:**
- **STREET 1:** 235 N. COURT STREET
- **CITY:** OPELOUSAS
- **STATE:** LA
- **ZIP:** 70570
- **BUSINESS PHONE:** 337-948-3033

**MAIL ADDRESS:**
- **STREET 1:** 235 N. COURT STREET
- **CITY:** OPELOUSAS
- **STATE:** LA
- **ZIP:** 70570
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Catalyst Bancorp, Inc. Employee Stock Ownership Plan
- **CENTRAL INDEX KEY:** 0001910868

**ORGANIZATION NAME:**
- **EIN:** 876607335
- **STATE OF INCORPORATION:** LA

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G/A

**BUSINESS ADDRESS:**
- **STREET 1:** 235 N. COURT STREET
- **CITY:** OPELOUSAS
- **STATE:** LA
- **ZIP:** 70570
- **BUSINESS PHONE:** 3379483033

**MAIL ADDRESS:**
- **STREET 1:** 235 N. COURT STREET
- **CITY:** OPELOUSAS
- **STATE:** LA
- **ZIP:** 70570

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13G

### Under the Securities Exchange Act of 1934

**(Amendment No. 5)**

**Issuer:** CATALYST BANCORP, INC.

**Title of Class of Securities:** Common Stock, Par Value $0.01 Per Share

**CUSIP Number:** 14888L101

**Date of Event Which Requires Filing of this Statement:** 12/31/2025

**Check the appropriate box to designate the rule pursuant to which this Schedule is filed:**

- [x] Rule 13d-1(b)

- [ ] Rule 13d-1(c)

- [ ] Rule 13d-1(d)

---

| 1. | Names of Reporting Persons<br>Catalyst Bancorp, Inc. Employee Stock Ownership Plan | Names of Reporting Persons<br>Catalyst Bancorp, Inc. Employee Stock Ownership Plan |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>LA | Citizenship or Place of Organization<br>LA |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>333270.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>83521.85 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>333270.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>83521.85 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>416791.85 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>416791.85 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>10.2% | Percent of Class Represented by Amount in Row (9)<br>10.2% |
| 12. | Type of Reporting Person (See Instructions)<br>EP | Type of Reporting Person (See Instructions)<br>EP |

---

**Item 1(a). Name of Issuer:**
CATALYST BANCORP, INC.

**Item 1(b). Address of Issuer's Principal Executive Offices:**
235 N Court St, Opelousas, LA, 70570.

**Item 2(a). Name of Person Filing:**
Catalyst Bancorp, Inc. Employee Stock Ownership Plan (the "Plan")

**Item 2(b). Address of Principal Business Office:**
Catalyst Bank
235 N. Court Street
Opelousas, Louisiana 70570

**Item 2(c). Citizenship:**
Louisiana

**Item 2(d). Title of Class of Securities:**
Common Stock, Par Value $0.01 Per Share

**Item 2(e). CUSIP Number:**
14888L101

**Item 3. If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:**

(a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).

(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

(c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).

(d) [ ] Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8).

(e) [ ] An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);

(f) [x] An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);

(g) [ ] A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

(h) [ ] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i) [ ] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

(j) [ ] A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), if filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:

(k) [ ] Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).

**Item 4. Ownership:**

**(a) Amount beneficially owned:**

416,791.85

**(b) Percent of class:**

10.2% (based on 4,074,911 shares issued and outstanding as of December 31, 2025)

**(c) Number of shares as to which the person has:**

**(i) Sole power to vote or to direct the vote:**

333,270.00

**(ii) Shared power to vote or to direct the vote:**

83,521.85

**(iii) Sole power to dispose or to direct the disposition of:**

333,270.00

**(iv) Shared power to dispose or to direct the disposition of:**

83,521.85
The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended, with individual accounts for the benefit of participating employees and their beneficiaries. The reporting person's assets are held in trust by trustee, Jutta A. Codori ("Plan Trustee"). The number of shares listed as beneficially owned represents the entire number of shares of Common Stock held by the Plan, as of December 31, 2025. As of December 31, 2025, 83,521.85 shares of Common Stock were allocated to individual accounts established for participating employees and their beneficiaries and 333,270 shares were held, unallocated, for allocation in future years. In general, participating employees and their beneficiaries have the power and authority to direct the voting of shares of Common Stock allocated to their individual accounts through the Plan Trustee, who has shared voting power over the allocated Common Stock. Any unallocated Common Stock is generally required to be voted by the Plan Trustee for or against proposals to shareholders in the same proportion as the shares of Common Stock which have been allocated to the accounts of individual participants and beneficiaries are actually voted thereby, subject in each case to the fiduciary duties of the Plan Trustee and applicable law.

**Item 5. Ownership of Five Percent or Less of a Class.**

[x] If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following.

**Item 6. Ownership of More than 5 Percent on Behalf of Another Person.**

Dividends paid, if any, on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in the form of additional securities, would be added to their respective individual accounts. Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in cash, are, at the direction of the Plan Administrator, either (i) credited to the respective individual accounts, (ii) paid to the participant or beneficiary or (iii) used to pay principal and interest on outstanding indebtedness incurred by the reporting person to acquire Common Stock.

**Item 7. Identification and Classification of the Subsidiary**

Not Applicable

**Item 8. Identification and Classification of Members of the Group**

Not Applicable

**Item 9. Notice of Dissolution of Group**

Not Applicable

**Item 10. Certification:**

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Catalyst Bancorp, Inc. Employee Stock Ownership Plan**

**Date:** 02/13/2026

**By:** /s/ Jutta Codori

**Name & Title:** Jutta Codori, Trustee