{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-001286","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2022-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.015643+00:00","generated_at":"2026-06-27T16:42:19.486645+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Consumers Bancorp Q2 FY2022 net income rises 26% to $3.2M; EPS $1.04","bullets":["Net income $3.2M ($1.04 per share) for Q2 ended Dec 31, 2021, up 26.1% YoY from $2.5M ($0.83).","Six-month net income $5.8M ($1.92 per share) vs $4.9M ($1.63) in prior year.","Total loans grew $56.6M (10% annualized) to $623.0M; non-performing loans fell to 0.14% of total.","Deposits increased $121.4M, including $104.5M from CFBank branch acquisition completed July 16, 2021.","Net interest margin 3.77% for Q2 vs 3.87% a year ago; cost of funds improved to 0.21% from 0.46%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-001286","json":"https://secwatch.observer/filing/0001437749-22-001286.json","markdown":"https://secwatch.observer/filing/0001437749-22-001286.md","text":"https://secwatch.observer/filing/0001437749-22-001286.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774922001286/0001437749-22-001286-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774922001286/cbkm20220120_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:42:19.486645+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"}