secwatch.observer — SEC 8-K summary
======================================

Issuer:     CONSUMERS BANCORP INC /OH/ (CBKM)
CIK:        0001006830
Form:       8-K
Filed at:   2025-01-23T23:59:59+00:00
Accession:  0001437749-25-001685
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1006830/000143774925001685/0001437749-25-001685-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1006830/000143774925001685/cbkm20250123_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-001685

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer