---
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"
generated_at: "2026-06-11T16:12:23.749033+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q4 net income $2.7M, EPS $0.87; FY net income $10.7M, EPS $3.45

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-022976
- JSON: https://secwatch.observer/filing/0001437749-23-022976.json
- Plain text: https://secwatch.observer/filing/0001437749-23-022976.txt

## Key facts
- Earnings Releases
  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.
  - Period: the fourth fiscal quarter and twelve-month periods ended June 30, 2023
  - 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
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774923022976/0001437749-23-022976-index.htm

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