{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-21-024044","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2021-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:04:11.044956+00:00","generated_at":"2026-06-28T19:00:57.984490+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 Q1 net income $2.7M, up 11% YoY; completed branch acquisition in July","bullets":["Net income $2.7M ($0.88 EPS) vs $2.4M ($0.80 EPS) prior year; net interest income up 19.1% to $1.3M.","Acquired two Ohio branches from CFBank on July 16: $104.5M deposits, $19.9M loans, $1.6M goodwill.","Total loans grew 7.5% annualized; PPP loans declined $21.2M offset by organic growth and acquired loans.","Non-performing loans remained low at 0.32% of total loans; ALLL to loans ratio 1.16%.","Total deposits increased $122.3M (67.3% annualized) including $104.5M from branch acquisition."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-21-024044","json":"https://secwatch.observer/filing/0001437749-21-024044.json","markdown":"https://secwatch.observer/filing/0001437749-21-024044.md","text":"https://secwatch.observer/filing/0001437749-21-024044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774921024044/0001437749-21-024044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774921024044/cbkm20211021_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T19:00:57.984490+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"}