---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-024464"
form_type: "8-K"
ticker: "CBKM"
cik: "0001006830"
company_name: "CONSUMERS BANCORP INC /OH/"
filed_at: "2024-08-02T23:59:59+00:00"
generated_at: "2026-05-31T13:20:47.629746+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q4 net income down 22% YoY; FY EPS falls to $2.76 from $3.45

## Summary
- Q4 net income $2.1M ($0.67 EPS) vs $2.7M ($0.87 EPS) a year ago, down 21.9%.
- FY net income $8.6M ($2.76 EPS) vs $10.7M ($3.45 EPS) prior year.
- Net interest margin compressed to 3.00% FY2024 from 3.37% due to rapid rate hikes.
- Total loans grew 6.9% YoY to $762M; deposits up 2.1% to $986M.
- Non-performing loans (ex-govt guarantee) just 0.07% of total loans, down from last year.

## SEC filing metadata
- accession: 0001437749-24-024464
- form_type: 8-K
- ticker: CBKM
- cik: 0001006830
- company_name: CONSUMERS BANCORP INC /OH/
- filed_at: 2024-08-02T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1006830/000143774924024464/0001437749-24-024464-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774924024464/cbkm20240802_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-024464
- JSON: https://secwatch.observer/filing/0001437749-24-024464.json
- Plain text: https://secwatch.observer/filing/0001437749-24-024464.txt

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