Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
Catalyst Bancorp's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2026 was 78.79%
, which is higher than
77.40% for the pervious quarter ended in Dec. 2025.
Catalyst Bancorp's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 76.99%
, which is lower than
160.51% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Catalyst Bancorp's Efficiency Overhead Ratio % or its related term are showing as below:
CLST's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
Catalyst Bancorp (NAS:CLST) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
Catalyst Bancorp Efficiency Overhead Ratio % Related Terms
Catalyst Bancorp Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for Catalyst Bancorp's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Catalyst Bancorp Efficiency Overhead Ratio % Chart
CLST vs LSFG, SMAL, ORBN: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Catalyst Bancorp (NAS:CLST) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 78.79% mean?
Catalyst Bancorp (CLST) has a Efficiency Overhead Ratio % of 78.79% as of Mar. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Catalyst Bancorp and its competitors.
Is Catalyst Bancorp's Efficiency Overhead Ratio % too high?
Catalyst Bancorp's current Efficiency Overhead Ratio % is 78.79%. Overall, Catalyst Bancorp has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Catalyst Bancorp's Efficiency Overhead Ratio % compare to LSFG and SMAL?
Catalyst Bancorp's Efficiency Overhead Ratio % of 78.79% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Catalyst Bancorp and its competitors. Catalyst Bancorp's current Efficiency Overhead Ratio % is 78.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Catalyst Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Catalyst Bancorp (CLST) is currently considered Modestly Undervalued. The stock's GF Value™ is $19.04, compared to a current price of $16.56 — trading 13% below its estimated fair value. The current Efficiency Overhead Ratio % is 78.79%. Catalyst Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current Efficiency Overhead Ratio % is 78.79% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Catalyst Bancorp (CLST) Overvalued in 2026?
Based on GuruFocus' analysis, Catalyst Bancorp stock appears to be undervalued.
The current stock price of $16.56 is trading 13% below its estimated GF Value™ of $19.04.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
Efficiency Overhead Ratio %: 78.79%
GF Value™: $19.04 vs. price of $16.56 (13% below fair value)
No single metric tells the full story. See the CLST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Catalyst Bancorp Inc is a bank holding company. Through its subsidiary, which is a federally chartered community-oriented savings bank, it is engaged in attracting deposits from the general public and using those funds to invest in loans and securities. The sources of funds are customer deposits, repayments of loans, maturities of investments, and funds borrowed from outside sources, which are used for the origination of loans. It operates in one reportable segment, which generates income principally from interest on loans and investment securities, as well as from fees charged in connection with various loan and deposit services.
71GF Score
Get the complete analysis for CLST
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