{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-029158","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2023-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.823634+00:00","generated_at":"2026-06-09T06:36:51.846528+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Consumers Bancorp Q1 net income down 4.9% to $2.4M; EPS $0.78 vs $0.83 YoY; NIM narrows to 3.09%","bullets":["Net income $2.4M ($0.78/diluted share), down 4.9% from $2.5M ($0.83) YoY.","Net interest margin compressed to 3.09% from 3.48% YoY; cost of funds rose to 1.91% from 0.40%.","Total loans increased $7.6M (annualized 4.3%) and deposits grew $8.8M (annualized 3.7%) during the quarter.","Non-performing loans remained low at 0.04% of total loans; allowance for credit losses at 1.08%.","Accumulated other comprehensive loss increased to $37.7M due to mark-to-market of securities from rising rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-029158","json":"https://secwatch.observer/filing/0001437749-23-029158.json","markdown":"https://secwatch.observer/filing/0001437749-23-029158.md","text":"https://secwatch.observer/filing/0001437749-23-029158.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923029158/0001437749-23-029158-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923029158/cbkm20231026c_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T06:36:51.846528+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":"2c4ea0745ce3eac59f39a1e8601dec30ff1d11a5","claim":"CONSUMERS BANCORP INC /OH/ reported first quarter of fiscal year 2024 results: net income $2.4 million, EPS $0.78.","evidence_excerpt":"Consumers Bancorp, Inc. (Consumers) today reported net income of $2.4 million for the first quarter of fiscal year 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774923029158/0001437749-23-029158-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of fiscal year 2024"},{"label":"Net income","value":"$2.4 million"},{"label":"EPS","value":"$0.78"},{"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"}