{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-031589","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2024-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.336447+00:00","generated_at":"2026-05-30T12:13:38.795414+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Consumers Bancorp Q1 net income $2.2M, EPS $0.72; loans up 3.9% annualized","bullets":["Net income of $2.2M ($0.72 EPS) up 6.3% sequentially but down from $0.78 a year ago.","Net interest margin narrowed to 2.92% from 3.09% YoY; cost of funds rose to 2.56%.","Total loans increased $7.4M (annualized 3.9%); deposits up $25.9M (annualized 10.7%).","Non-performing loans 0.07% of total loans ex-government guarantees; ACL stable at 1.04%.","Shareholders' equity rose $9.6M to $73.3M, helped by $7.8M reduction in AOCI loss."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-031589","json":"https://secwatch.observer/filing/0001437749-24-031589.json","markdown":"https://secwatch.observer/filing/0001437749-24-031589.md","text":"https://secwatch.observer/filing/0001437749-24-031589.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924031589/0001437749-24-031589-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924031589/cbkm20241021_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:13:38.795414+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}