---
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"
generated_at: "2026-06-03T17:51:59.068635+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q3 net income falls 22% to $2.1M; EPS $0.66 vs $0.86

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-012387
- JSON: https://secwatch.observer/filing/0001437749-24-012387.json
- Plain text: https://secwatch.observer/filing/0001437749-24-012387.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three and nine-month periods ended March 31, 2024
  - 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
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774924012387/0001437749-24-012387-index.htm

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