{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-001682","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.070382+00:00","generated_at":"2026-06-06T20:58:34.825400+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Consumers Bancorp Q2 net income $2.0M ($0.65/sh) down 28.3% YoY; NIM 2.95%","bullets":["Net income $2.0M ($0.65 EPS) for Q2, down 28.3% from $2.8M ($0.91) YoY.","Net interest margin 2.95% vs 3.53% YoY; cost of funds rose to 2.17% from 0.72%.","Loans grew $24.9M (annualized 7.0%) in H1; deposits fell $4.0M (0.8% annualized).","Non-performing loans 0.15% of total loans, 0.07% ex-government guarantees; ACL 1.09%.","Shareholders' equity rose $8.0M to $63.5M, driven by reduced AOCI loss and net income."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-001682","json":"https://secwatch.observer/filing/0001437749-24-001682.json","markdown":"https://secwatch.observer/filing/0001437749-24-001682.md","text":"https://secwatch.observer/filing/0001437749-24-001682.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924001682/0001437749-24-001682-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924001682/cbkm20240118_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:58:34.825400+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":"16b7d00aba5b8b5781f22c79a0fb2157ade837ae","claim":"CONSUMERS BANCORP INC /OH/ reported three-month period ended December 31, 2023 results: net income $2.0 million, EPS $0.65 per share.","evidence_excerpt":"Earnings per share for the second quarter of fiscal year 2024 were $0.65","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924001682/0001437749-24-001682-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three-month period ended December 31, 2023"},{"label":"Net income","value":"$2.0 million"},{"label":"EPS","value":"$0.65 per share"},{"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"}