MASHINIi

Catalyst Bancorp, Inc..

CLST.US | Other monetary intermediation

Catalyst Bancorp, Inc. operates as the bank holding company for Catalyst Bank, which provides various banking products and services in Louisiana. It accepts various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. Th...Show More

Ethical Profile

Mixed.

Catalyst Bancorp, Inc. (CLST.US) receives a mixed ethical rating, with notable strengths and significant data gaps. The bank earned an 'Outstanding' Community Reinvestment Act (CRA) rating, indicating strong performance in meeting community credit needs, and offers financial literacy programs. However, its DitchCarbon score of 23 is lower than 80% of the industry average, suggesting potential misalignment with planet-friendly business practices. Critics point to a lack of publicly available carbon emissions data or reduction targets. Furthermore, detailed information on fair pay, worker respect, pricing fairness, and exploitative fee exposure is largely unavailable, making a comprehensive ethical assessment challenging.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity-20
-100100
Fair Pay & Worker Respect-40
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-40
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

No evidence available to assess Catalyst Bancorp, Inc. on Better Health for All.

Fair Money & Economic Opportunity

-20

Catalyst Bank received an "Outstanding" Community Reinvestment Act (CRA) rating from the Office of the Comptroller of the Currency (OCC).

1
The CRA examination ensures financial institutions meet the borrowing needs of communities, including low- and moderate-income neighborhoods.
2
The company offers financial literacy initiatives for K-12 students and prison ministry, and references the FDIC's "Money Smart" curriculum to help low- and moderate-income individuals.
3
Catalyst Bank operates six full-service branches in the Acadiana region of south-central Louisiana, specifically in St. Landry and Lafayette Parishes and the surrounding area.
4

Fair Pay & Worker Respect

-40

As of December 31, 2024, none of Catalyst Bank's 49 full-time equivalent employees were represented by a collective bargaining group.

1

Fair Trade & Ethical Sourcing

0

No evidence available to assess Catalyst Bancorp, Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

No evidence available to assess Catalyst Bancorp, Inc. on Honest & Fair Business.

Kind to Animals

0

The provided articles explicitly state that they do not contain any information related to the value 'Kind to Animals' or any specific metrics for Catalyst Bancorp, Inc.

1
Therefore, no KPIs can be scored due to a complete lack of evidence.

No War, No Weapons

0

The provided article focuses solely on corporate governance documents, including clawback policies, committee charters, and a code of ethics.

1
It explicitly states that it does not contain any information about the company's activities in the defense or peacebuilding sectors.
2
Therefore, no evidence is available to assess Catalyst Bancorp, Inc. against any of the 'No War, No Weapons' KPIs.

Planet-Friendly Business

0

No specific, concrete data points related to environmental performance, such as carbon emissions, renewable energy usage, water consumption, waste diversion, or climate targets, were found in the provided articles. The company does not have publicly available carbon emissions data or specific reduction targets and is not participating in any tracked reduction initiatives.

1

Respect for Cultures & Communities

0

No specific, quantifiable data was found in the provided articles to assess Catalyst Bancorp, Inc. against the defined KPIs for 'Respect for Cultures & Communities'. While Catalyst Bank received an 'Outstanding' Community Reinvestment Act Rating from the Office of the Comptroller of the Currency.

1
This is a regulatory compliance rating and does not provide the specific metrics (e.g., percentages of revenue reinvested, number of partnerships, or employee training completion rates) required by the rubric's KPIs.

Safe & Smart Tech

-40

Catalyst Bank experienced a minor incident where $2,000 was fraudulently withdrawn from a customer's account, with an additional $1,000 pending, indicating an instance of unauthorized data use.

1
The bank states it uses security measures that comply with federal law, including FFIEC and GLBA, and is FDIC-insured, demonstrating good regulatory compliance.
2
However, users have limited control over their personal data, with the right to limit some, but not all, sharing as defined by federal law.
3

Zero Waste & Sustainable Products

0

No evidence was found in the provided articles regarding Catalyst Bancorp, Inc.'s waste management practices, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education programs.

1

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.