---
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"
generated_at: "2026-06-27T16:42:19.486645+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q2 FY2022 net income rises 26% to $3.2M; EPS $1.04

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-001286
- JSON: https://secwatch.observer/filing/0001437749-22-001286.json
- Plain text: https://secwatch.observer/filing/0001437749-22-001286.txt

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