---
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"
generated_at: "2026-06-16T22:04:22.468752+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q3 net income $2.6M ($0.86 EPS); 9-month net down to $8.0M on PPP comparison

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-010727
- JSON: https://secwatch.observer/filing/0001437749-23-010727.json
- Plain text: https://secwatch.observer/filing/0001437749-23-010727.txt

## Key facts
- Earnings Releases
  CONSUMERS BANCORP INC /OH/ reported for the nine month period ended March 31, 2023 results: net income $8.0 million, EPS $2.60.
  - Period: for the nine month period ended March 31, 2023
  - Net income: $8.0 million
  - EPS: $2.60
  - Result: reported results
  source text: ● 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_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774923010727/0001437749-23-010727-index.htm
- Earnings Releases
  CONSUMERS BANCORP INC /OH/ reported for the three-month period ended March 31, 2023 results: net income $2.6 million, EPS $0.86.
  - Period: for the three-month period ended March 31, 2023
  - Net income: $2.6 million
  - EPS: $0.86
  - Result: reported results
  source text: ● 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_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774923010727/0001437749-23-010727-index.htm

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