---
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"
generated_at: "2026-06-26T05:33:33.349945+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q3 net income rises 22% to $2.6M; EPS $0.85 vs $0.70

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1006830/000143774922009386/0001437749-22-009386-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774922009386/cbkm20220421_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-009386
- JSON: https://secwatch.observer/filing/0001437749-22-009386.json
- Plain text: https://secwatch.observer/filing/0001437749-22-009386.txt

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