FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS ANDSIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 ☒ANNUALREPORTPURSUANT TOSECTION15(d)OFTHESECURITIES EXCHANGEACT OF 1934For the fiscal year endedDecember 31, 2025 OR ☐TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGEACT OF1934For the transition period fromto Commission file number:001-40893 A.Full title of the plan and the address of the plan, if different from that of the issuer named below: Catalyst Bank 401(k) Plan Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Catalyst Bancorp, Inc.235 N. Court StreetOpelousas, Louisiana 70570 REQUIRED INFORMATION Financial Statements.The following financial statements are filed as part of this annual report forthe Catalyst Bank 401(k) Plan (the “Plan”) and appear immediately after the signature page hereof: Schedule I to Form 5500 Annual Return/Report of Employee Benefit Plan for the Plan for the yearended December 31, 2025. SIGNATURES The Plan.Pursuant to the requirements of the Securities Exchange Act of 1934, the administratorfor the Plan has duly caused this annual report to be signed by the undersigned hereunto duly authorized. Catalyst Bank 401(k) Plan June 30, 2026 By: /s/ Jutta A. CodoriJutta A. CodoriSenior Administrative Officer, on behalf of CatalystBank as administrator of the Plan 5aHas a resolution to terminate the plan been adopted during the plan yearor any prior plan year?YesXNo If "Yes", enter the amount of any plan assets that reverted to theemployer this year- If, during this plan year, any assets or liabilities were transferred from this plan to another plan(s), identify the plan(s) to which assets orliabilities were transferred. (See instructions.) 5cWas the plan a defined benefit plan covered under the PBGC insurance program at any time during this plan year? (See ERISA section 4021and instructions.)