---
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"
generated_at: "2026-06-06T20:58:34.825400+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q2 net income $2.0M ($0.65/sh) down 28.3% YoY; NIM 2.95%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-001682
- JSON: https://secwatch.observer/filing/0001437749-24-001682.json
- Plain text: https://secwatch.observer/filing/0001437749-24-001682.txt

## Key facts
- Earnings Releases
  CONSUMERS BANCORP INC /OH/ reported three-month period ended December 31, 2023 results: net income $2.0 million, EPS $0.65 per share.
  - Period: three-month period ended December 31, 2023
  - Net income: $2.0 million
  - EPS: $0.65 per share
  - Result: reported results
  source text: Earnings per share for the second quarter of fiscal year 2024 were $0.65
  evidence_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774924001682/0001437749-24-001682-index.htm

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