---
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"
generated_at: "2026-05-30T12:13:38.795414+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q1 net income $2.2M, EPS $0.72; loans up 3.9% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1006830/000143774924031589/0001437749-24-031589-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774924031589/cbkm20241021_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-031589
- JSON: https://secwatch.observer/filing/0001437749-24-031589.json
- Plain text: https://secwatch.observer/filing/0001437749-24-031589.txt

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