---
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"
generated_at: "2026-06-20T09:00:59.705309+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q2 net income down 11% to $2.8M; EPS $0.91 vs $1.04

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-001712
- JSON: https://secwatch.observer/filing/0001437749-23-001712.json
- Plain text: https://secwatch.observer/filing/0001437749-23-001712.txt

## Key facts
- Earnings Releases
  CONSUMERS BANCORP INC /OH/ reported three months ended December 31, 2022 results: net income $2.8 million, EPS $0.91 per share.
  - Period: three months ended December 31, 2022
  - Net income: $2.8 million
  - EPS: $0.91 per share
  - Result: reported results
  source text: Net income was $2.8 million, or $0.91 per share, for the three-month period ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774923001712/0001437749-23-001712-index.htm

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