{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-001685","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.675365+00:00","generated_at":"2026-05-27T12:50:27.859033+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Consumers Bancorp Q2 net income up 13.5% to $2.3M; EPS $0.73 vs $0.65","bullets":["Net income $2.3M for Q2 FY2025, up $272K (13.5%) YoY; EPS $0.73 vs $0.65.","Net interest margin improved to 3.02% from 2.95% a year ago; cost of funds down 11 bps from linked quarter.","Total loans +$3.7M (annualized 1.0%) and deposits +$24.7M (annualized 5.1%) in H1 FY2025.","Non-performing loans only 0.11% of total loans; allowance for credit losses 1.03%.","New Stark County branch opening in Massillon, Ohio expected February 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-001685","json":"https://secwatch.observer/filing/0001437749-25-001685.json","markdown":"https://secwatch.observer/filing/0001437749-25-001685.md","text":"https://secwatch.observer/filing/0001437749-25-001685.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925001685/0001437749-25-001685-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925001685/cbkm20250123_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:50:27.859033+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"}