---
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"
generated_at: "2026-06-29T23:01:23.765850+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp reports record FY net income $9.0M, up 62.6%; Q4 EPS $0.65, up 25%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-018374
- JSON: https://secwatch.observer/filing/0001437749-21-018374.json
- Plain text: https://secwatch.observer/filing/0001437749-21-018374.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.