---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-22-024551"
form_type: "8-K"
ticker: "CBKM"
cik: "0001006830"
company_name: "CONSUMERS BANCORP INC /OH/"
filed_at: "2022-10-24T23:59:59+00:00"
generated_at: "2026-06-23T01:33:00.976828+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp reports Q1 FY2023 net income of $2.5M, down 4.9% YoY

## Summary
- EPS of $0.83 vs $0.88 prior year; net interest income up 5.3% to $423K.
- Total loans grew $25.8M (16.8% annualized); deposits up $25.5M (11.5% annualized).
- Non-performing loans fell to record low of 0.01% of total loans.
- Loan loss provision rose to $410K from $190K due to organic loan growth.
- Other income declined $142K on a 68.2% drop in mortgage banking gains.

## SEC filing metadata
- accession: 0001437749-22-024551
- form_type: 8-K
- ticker: CBKM
- cik: 0001006830
- company_name: CONSUMERS BANCORP INC /OH/
- filed_at: 2022-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1006830/000143774922024551/0001437749-22-024551-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774922024551/cbkm20221023_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-024551
- JSON: https://secwatch.observer/filing/0001437749-22-024551.json
- Plain text: https://secwatch.observer/filing/0001437749-22-024551.txt

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