{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-010727","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.558137+00:00","generated_at":"2026-06-16T22:04:22.468752+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Consumers Bancorp Q3 net income $2.6M ($0.86 EPS); 9-month net down to $8.0M on PPP comparison","bullets":["Net income for Q3 FY2023 was $2.6M ($0.86 EPS), up 2% YoY; 9-month net $8.0M ($2.60) vs $8.4M ($2.77) a year ago.","Total loans grew $77.4M (annualized 9.5%) over nine months; total deposits up $67.8M (annualized 5.7%).","Net interest margin fell to 3.27% in Q3 from 3.50% a year ago; cost of funds rose to 1.30% from 0.21%.","Non-performing loans were just 0.03% of total loans; allowance for loan losses stood at 1.13% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-010727","json":"https://secwatch.observer/filing/0001437749-23-010727.json","markdown":"https://secwatch.observer/filing/0001437749-23-010727.md","text":"https://secwatch.observer/filing/0001437749-23-010727.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923010727/0001437749-23-010727-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923010727/cbkm20230420_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T22:04:22.468752+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":"3f02b34550745c8bc02be90685bf3f93038fa207","claim":"CONSUMERS BANCORP INC /OH/ reported for the nine month period ended March 31, 2023 results: net income $8.0 million, EPS $2.60.","evidence_excerpt":"● Net income was $2.6 million, or $0.86 per share, for the three-month period ended March 31, 2023 and $8.0 million, or $2.60 per share, for the nine month period ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923010727/0001437749-23-010727-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the nine month period ended March 31, 2023"},{"label":"Net income","value":"$8.0 million"},{"label":"EPS","value":"$2.60"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"e198a026b7c18142a6eafdc93d433ca5951f90de","claim":"CONSUMERS BANCORP INC /OH/ reported for the three-month period ended March 31, 2023 results: net income $2.6 million, EPS $0.86.","evidence_excerpt":"● Net income was $2.6 million, or $0.86 per share, for the three-month period ended March 31, 2023 and $8.0 million, or $2.60 per share, for the nine month period ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923010727/0001437749-23-010727-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the three-month period ended March 31, 2023"},{"label":"Net income","value":"$2.6 million"},{"label":"EPS","value":"$0.86"},{"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"}