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  <xsd:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-roles-2026.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-sub-2026.xsd" />
  <xsd:element name="CommitmentsToExtendCredit" id="clst_CommitmentsToExtendCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="PaymentsForProceedsFromInvestmentsInHeldToMaturitySecuritiesAbstract" id="clst_PaymentsForProceedsFromInvestmentsInHeldToMaturitySecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForProceedsFromInvestmentsInAvailableForSaleSecuritiesAbstract" id="clst_PaymentsForProceedsFromInvestmentsInAvailableForSaleSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="ServiceChargesOnDepositAccounts" id="clst_ServiceChargesOnDepositAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element name="DebtSecuritiesHeldToMaturityAndAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" id="clst_DebtSecuritiesHeldToMaturityAndAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAndAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="clst_DebtSecuritiesHeldToMaturityAndAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAndAvailableForSaleUnrealizedLossPositionAccumulatedLoss" id="clst_DebtSecuritiesHeldToMaturityAndAvailableForSaleUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="UnfundedConstructionLoansInProcess" id="clst_UnfundedConstructionLoansInProcess" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NonInterestBearingCash" id="clst_NonInterestBearingCash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InvestmentSecuritiesTransferredBetweenClassifications" id="clst_InvestmentSecuritiesTransferredBetweenClassifications" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ForeclosedAssetsExpenseNet" id="clst_ForeclosedAssetsExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoanCarryingAmount" id="clst_ImpairedLoanCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AmortizationOfPrepaymentPenaltiesOnDebtRestructuring" id="clst_AmortizationOfPrepaymentPenaltiesOnDebtRestructuring" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeStockOwnershipPlanSharesReleasedForAllocation" id="clst_EmployeeStockOwnershipPlanSharesReleasedForAllocation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OverdraftPrivilegeUnusedAmounts" id="clst_OverdraftPrivilegeUnusedAmounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OtherLoansMember" id="clst_OtherLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BankOwnedLifeInsuranceFairValueDisclosure" id="clst_BankOwnedLifeInsuranceFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancialInstrumentsOffBalanceSheetRisk" id="clst_FinancialInstrumentsOffBalanceSheetRisk" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NumberOfInvestmentsInSingleIssuer" id="clst_NumberOfInvestmentsInSingleIssuer" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InvestmentsInSingleIssuerThresholdAggregateBookValueAsPercentOfStockholdersEquity" id="clst_InvestmentsInSingleIssuerThresholdAggregateBookValueAsPercentOfStockholdersEquity" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StockInCorrespondentBanks" id="clst_StockInCorrespondentBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnallocatedCommonStockHeldByBenefitPlansMember" id="clst_UnallocatedCommonStockHeldByBenefitPlansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnallocatedCommonStockHeldByBenefitPlans" id="clst_UnallocatedCommonStockHeldByBenefitPlans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansReceivableAccruedInterest" id="clst_LoansReceivableAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonAccrualWithAllowance" id="clst_FinancingReceivableExcludingAccruedInterestNonAccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InvestmentSecuritiesAccruedInterest" id="clst_InvestmentSecuritiesAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OneToFourFamilyResidentialPortfolioSegmentMember" id="clst_OneToFourFamilyResidentialPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConstructionAndLandPortfolioSegmentMember" id="clst_ConstructionAndLandPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MultiFamilyResidentialPortfolioSegmentMember" id="clst_MultiFamilyResidentialPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SharesReleasedForAllocationDuringPeriod2022RecognitionAndRetentionPlan" id="clst_SharesReleasedForAllocationDuringPeriod2022RecognitionAndRetentionPlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossesPositionLessThan12MonthsFairValue" id="clst_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossesPositionLessThan12MonthsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossesPosition12MonthsOrLongerFairValue" id="clst_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossesPosition12MonthsOrLongerFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossesPositionFairValue" id="clst_DebtSecuritiesHeldToMaturityUnrealizedLossesPositionFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" id="clst_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" id="clst_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" id="clst_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfUnrealizedLossesOnInvestmentsTableTextBlock" id="clst_ScheduleOfUnrealizedLossesOnInvestmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivablesModificationsNumberOfContracts" id="clst_FinancingReceivablesModificationsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleNumberOfSecuritiesSold" id="clst_DebtSecuritiesAvailableForSaleNumberOfSecuritiesSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CustodialLetterOfCredit" id="clst_CustodialLetterOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansIndividuallyEvaluatedForCreditLossesFairValueDisclosure" id="clst_LoansIndividuallyEvaluatedForCreditLossesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RevisionOfMisstatementOfInterestExpenseOnDepositsMember" id="clst_RevisionOfMisstatementOfInterestExpenseOnDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ForeclosedAssetsGainLossOnFairValueAdjustmentsNet" id="clst_ForeclosedAssetsGainLossOnFairValueAdjustmentsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="GainLossOnSaleOfForeclosedAssets" id="clst_GainLossOnSaleOfForeclosedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="Rule10b51ArrangementModified" id="clst_Rule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NonRule10b51ArrangementModified" id="clst_NonRule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StockDividendsFromCorrespondentBanks" id="clst_StockDividendsFromCorrespondentBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NatureOfOperationsPolicyTextBlock" id="clst_NatureOfOperationsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossAndBalanceMethodOfLossEvaluationTableTextBlock" id="clst_FinancingReceivableAllowanceForCreditLossAndBalanceMethodOfLossEvaluationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfRelatedBorrowersConsolidatedIntoResidentialMortgageLoan" id="clst_NumberOfRelatedBorrowersConsolidatedIntoResidentialMortgageLoan" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LoansIndividuallyEvaluatedForCreditLossesMeasurementInput" id="clst_LoansIndividuallyEvaluatedForCreditLossesMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ForeclosedRealEstateMeasurementInput" id="clst_ForeclosedRealEstateMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ScheduleOfFinancialInstrumentsWithOffBalanceSheetCreditRiskTableTextBlock" id="clst_ScheduleOfFinancialInstrumentsWithOffBalanceSheetCreditRiskTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancialInstrumentsWithOffBalanceSheetRiskUnusedLinesOfCredit" id="clst_FinancialInstrumentsWithOffBalanceSheetRiskUnusedLinesOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualAnd90DaysOrMorePastDueStillAccruing" id="clst_FinancingReceivableExcludingAccruedInterestNonaccrualAnd90DaysOrMorePastDueStillAccruing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="GovernmentAssistanceFederalCommunityDevelopmentMember" id="clst_GovernmentAssistanceFederalCommunityDevelopmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GovernmentAssistanceBankEnterpriseAwardProgramMember" id="clst_GovernmentAssistanceBankEnterpriseAwardProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InvestmentSecuritiesUnrealizedLossPositionNumberOfPositions" id="clst_InvestmentSecuritiesUnrealizedLossPositionNumberOfPositions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinancingReceivableNonaccrualAndAndAccruingOver90DaysTableTextBlock" id="clst_FinancingReceivableNonaccrualAndAndAccruingOver90DaysTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LakesideBancsharesInc.Member" id="clst_LakesideBancsharesInc.Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfAdditionalBranchLocations" id="clst_NumberOfAdditionalBranchLocations" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
</xsd:schema>
