{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-022976","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2023-08-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.842511+00:00","generated_at":"2026-06-11T16:12:23.749033+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Consumers Bancorp Q4 net income $2.7M, EPS $0.87; FY net income $10.7M, EPS $3.45","bullets":["Q4 net income $2.7M (-3.1% YoY); EPS $0.87 vs $0.91.","FY net income $10.7M vs $11.2M; EPS $3.45 vs $3.68.","Total loans +$98.5M (+16.1%) to $711M; deposits +$66.0M (+7.4%) over FY.","Non-performing loans 0.01% of total loans; ALLL at 1.09%.","Net interest margin 3.37% for FY vs 3.60% prior, due to rising cost of funds."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-022976","json":"https://secwatch.observer/filing/0001437749-23-022976.json","markdown":"https://secwatch.observer/filing/0001437749-23-022976.md","text":"https://secwatch.observer/filing/0001437749-23-022976.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923022976/0001437749-23-022976-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923022976/cbkm20230809_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T16:12:23.749033+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":"f70a852db470cb3d05adfe712fef410c95de5a97","claim":"CONSUMERS BANCORP INC /OH/ reported the fourth fiscal quarter and twelve-month periods ended June 30, 2023 results: net income $2.7 million for the three-month period and $10.7 million for the twelve-month period ended June 30, 2023, EPS $0.87 per share for the fourth quarter of fiscal year 2023, $3.45 per share for the twelve months ended June 30, 2023.","evidence_excerpt":"Consumers Bancorp, Inc. Reports: ● Net income was $2.7 million for the three-month period and $10.7 million for the twelve-month period ended June 30, 2023. ● A return on average equity of 20.27% and on return on average assets of 1.05% for the 2023 fiscal year. ● Total loans increased by $98.5 million, or 16.1%, for the twelve-month period ended June 30, 2023, and non-performing loans to total loans remained low at 0.01% at June 30, 2023. ● Total deposits increased by $66.0 million, or 7.4%, for the twelve-month period ended June 30, 2023. Minerva, Ohio — August 10, 2023 (OTCQX: CBKM) Consumers Bancorp, Inc. (Consumers) today reported net income of $2.7 million for the fourth quarter of fiscal year 2023, a decrease of $86 thousand, or 3.1%, from the same period last year. Earnings per share for the fourth quarter of fiscal year 2023 were $0.87 compared to $0.91 for the same period last year. Net income was $10.7 million, or $3.45 per share, for the twelve months ended June 30, 2023 co","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923022976/0001437749-23-022976-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth fiscal quarter and twelve-month periods ended June 30, 2023"},{"label":"Net income","value":"$2.7 million for the three-month period and $10.7 million for the twelve-month period ended June 30, 2023"},{"label":"EPS","value":"$0.87 per share for the fourth quarter of fiscal year 2023, $3.45 per share for the twelve months ended June 30, 2023"},{"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"}