{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-012387","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.844451+00:00","generated_at":"2026-06-03T17:51:59.068635+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Consumers Bancorp Q3 net income falls 22% to $2.1M; EPS $0.66 vs $0.86","bullets":["Net interest margin narrowed to 2.92% from 3.27% a year ago; cost of funds rose to 2.35%.","Total loans grew $7.4M in Q3 (annualized 3.4% for nine months); deposits up $22.6M.","Non-performing loans remain low at 0.15% of total loans (0.07% net of government guarantees).","Operating expenses increased 7.9% in Q3, driven by salaries, software, and FDIC assessment."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-012387","json":"https://secwatch.observer/filing/0001437749-24-012387.json","markdown":"https://secwatch.observer/filing/0001437749-24-012387.md","text":"https://secwatch.observer/filing/0001437749-24-012387.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924012387/0001437749-24-012387-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924012387/cbkm20240417_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T17:51:59.068635+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":"926755306b1fe6f1d919d7263b36dbd0c2423825","claim":"CONSUMERS BANCORP INC /OH/ reported the three and nine-month periods ended March 31, 2024 results: net income $2.1 million for the three-month period ended March 31, 2024 and $6.5 million for the nine month period ended March 31,, EPS $0.66 for the third quarter of fiscal year 2024.","evidence_excerpt":"On April 18, 2024, Consumers Bancorp, Inc. issued a press release reporting its results for the three and nine-month periods ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924012387/0001437749-24-012387-index.htm","confidence":0.92,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and nine-month periods ended March 31, 2024"},{"label":"Net income","value":"$2.1 million for the three-month period ended March 31, 2024 and $6.5 million for the nine month period ended March 31,"},{"label":"EPS","value":"$0.66 for the third quarter of fiscal year 2024"},{"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"}