---
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"
generated_at: "2026-05-27T12:50:27.859033+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q2 net income up 13.5% to $2.3M; EPS $0.73 vs $0.65

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1006830/000143774925001685/0001437749-25-001685-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774925001685/cbkm20250123_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-001685
- JSON: https://secwatch.observer/filing/0001437749-25-001685.json
- Plain text: https://secwatch.observer/filing/0001437749-25-001685.txt

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