---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-22-018558"
form_type: "8-K"
ticker: "CBKM"
cik: "0001006830"
company_name: "CONSUMERS BANCORP INC /OH/"
filed_at: "2022-08-03T23:59:59+00:00"
generated_at: "2026-06-24T04:46:00.945702+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q4 net income up 41.5% to $2.8M; record FY net income $11.2M

## Summary
- Q4 net income $2.8M ($0.91 EPS) vs $2.0M ($0.65 EPS) a year ago, +41.5%.
- FY2022 record net income $11.2M ($3.68 EPS), up 24.5% from $9.0M ($2.98 EPS) in FY2021.
- Total loans grew 8.0% YoY; core loans (ex-PPP and acquired) up 15.7% (+$81.2M).
- Deposits increased 22.0% (+$159.7M) including $104.5M from CFBank branch acquisition completed July 2021.
- Non-performing loans low at 0.07% of total loans; ALLL at 1.17% with net charge-offs of $46K for FY.

## SEC filing metadata
- accession: 0001437749-22-018558
- form_type: 8-K
- ticker: CBKM
- cik: 0001006830
- company_name: CONSUMERS BANCORP INC /OH/
- filed_at: 2022-08-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1006830/000143774922018558/0001437749-22-018558-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774922018558/cbkm20220802_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-018558
- JSON: https://secwatch.observer/filing/0001437749-22-018558.json
- Plain text: https://secwatch.observer/filing/0001437749-22-018558.txt

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