{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-009386","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2022-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.259177+00:00","generated_at":"2026-06-26T05:33:33.349945+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 Q3 net income rises 22% to $2.6M; EPS $0.85 vs $0.70","bullets":["Net income $2.6M for Q3, up 22.2% YoY; EPS $0.85 vs $0.70.","Nine-month net income $8.4M, up 19.8%; EPS $2.77 vs $2.33.","Total loans grew $37.2M (annualized 8.7%) in nine months; core loans up $82.6M (annualized 21.4%).","Non-performing loans fell to 0.11% of total loans; deposits up $163.8M including $104.5M from branch acquisition.","Net interest margin 3.50% for Q3; cost of funds declined to 0.21%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-009386","json":"https://secwatch.observer/filing/0001437749-22-009386.json","markdown":"https://secwatch.observer/filing/0001437749-22-009386.md","text":"https://secwatch.observer/filing/0001437749-22-009386.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774922009386/0001437749-22-009386-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774922009386/cbkm20220421_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T05:33:33.349945+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"}