CLST — what changed in the latest 10-Q
A section-by-section comparison of CLST's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-14 vs the prior 10-Q · 2026-05-15
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +44 | −21 | ~32 | 48 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 1 |
| Legal proceedings | Text added/removed | 0 | 0 | ~1 | 0 |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Market risk (Item 3), Risk factors
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-14
Founded in 1922, the Bank is a community-oriented savings bank serving the banking needs of customers in south Louisiana. Our primary business consists of attracting deposits from the general public and using those funds together with funds we borrow from other sources to originate loans to our cust…
On July 14, 2026, the Company completed the acquisition of Lakeside Bancshares, Inc. and its subsidiary, Lakeside Bank (collectively referred to as “Lakeside”). The Company’s reported net income for 2026 includes certain expenses related to Lakeside’s merger with and into the Company and the Bank. T…
The following tables present an overview of financial results for the three and six months ended June 30, 2026. It is only a summary and should be read in conjunction with the business and financial information regarding the Company included elsewhere herein, including the financial statements inclu…
Non-performing loans as a percent of total loans outstanding
Allowance for credit losses on loans as a percent of total loans outstanding
Text removed vs the prior filing · source: 10-Q · 2026-05-15
Founded in 1922, the Bank is a community-oriented savings bank serving the banking needs of customers in the Acadiana region of south-central Louisiana. We are headquartered in Opelousas, Louisiana and serve our customers through six full-service branches located in Carencro, Eunice, Lafayette, Opel…
The following is an overview of financial results for the three months ended March 31, 2026:
●Net interest income increased $180,000, or 7.6%, to $2.5 million and net interest margin decreased six basis points (“bps”) to 3.83% for the three months ended March 31, 2026, compared to the same period in 2025
●A reversal of provision for credit losses of $70,000 for the three months ended March 31, 2026, compared to zero provision for the same period in 2025
●Non-interest expense of $2.3 million for the three months ended March 31, 2026, up $301,000, or 15.2%, compared to the same period in 2025, largely due to $216,000 in insurance proceeds for damaged foreclosed properties which partially offset non-interest expense in 2025
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice