---
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"
generated_at: "2026-06-28T19:00:57.984490+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q1 net income $2.7M, up 11% YoY; completed branch acquisition in July

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1006830/000143774921024044/0001437749-21-024044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774921024044/cbkm20211021_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-024044
- JSON: https://secwatch.observer/filing/0001437749-21-024044.json
- Plain text: https://secwatch.observer/filing/0001437749-21-024044.txt

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