{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-21-018374","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2021-08-03T23:59:59+00:00","discovered_at":"2026-05-14T18:04:16.830564+00:00","generated_at":"2026-06-29T23:01:23.765850+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Consumers Bancorp reports record FY net income $9.0M, up 62.6%; Q4 EPS $0.65, up 25%","bullets":["FY2021 net income $9.0M ($2.98/share) vs $5.5M ($1.92/share) in FY2020, a 62.6% increase.","Q4 net income $2.0M ($0.65/share), up 25.4% from $1.6M ($0.52/share) in Q4 2020.","Net interest margin 3.67% for FY; loans grew 4.3%, deposits up 14.8% ($93.5M).","Provision for loan losses fell to $850K from $2.0M; non-performing loans at 0.34% of total loans.","Acquisition of two CFBank branches in Columbiana County closed July 2021, post period."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-21-018374","json":"https://secwatch.observer/filing/0001437749-21-018374.json","markdown":"https://secwatch.observer/filing/0001437749-21-018374.md","text":"https://secwatch.observer/filing/0001437749-21-018374.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774921018374/0001437749-21-018374-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774921018374/cbkm20210803_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-29T23:01:23.765850+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}