{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-001712","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.450004+00:00","generated_at":"2026-06-20T09:00:59.705309+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Consumers Bancorp Q2 net income down 11% to $2.8M; EPS $0.91 vs $1.04","bullets":["Net income $2.8M for Q2 FY2023, down $353K or 11.2% YoY; EPS $0.91 vs $1.04.","Net interest margin 3.53% vs 3.77% YoY; cost of funds rose to 0.72% from 0.21%.","Total loans increased $53.1M (annualized 17.4%) in H1; non-performing loans remain low at $47K (0.01%).","Mortgage banking gains dropped 64% YTD; other expenses rose 8.0% due to salary and benefits increases.","Six-month net income $5.3M ($1.74) vs $5.8M ($1.92) YoY; return on avg equity 21.01%, ROA 1.06%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-001712","json":"https://secwatch.observer/filing/0001437749-23-001712.json","markdown":"https://secwatch.observer/filing/0001437749-23-001712.md","text":"https://secwatch.observer/filing/0001437749-23-001712.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923001712/0001437749-23-001712-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923001712/cbkm20230124_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:00:59.705309+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":[{"claim_id":"d7e9506cac6c8c6d4ad5353427332e513f6115ac","claim":"CONSUMERS BANCORP INC /OH/ reported three months ended December 31, 2022 results: net income $2.8 million, EPS $0.91 per share.","evidence_excerpt":"Net income was $2.8 million, or $0.91 per share, for the three-month period ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923001712/0001437749-23-001712-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2022"},{"label":"Net income","value":"$2.8 million"},{"label":"EPS","value":"$0.91 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}