Consumers Bancorp Q3 net income falls to $1.9M, EPS $0.59 vs $0.66

CONSUMERS BANCORP INC /OH/

2025-Q3 EPS reported $2.04

Net income $1.9M ($0.59 EPS) vs $2.1M ($0.66) for Q3 last year; nine-month net income $6.4M ($2.04) vs $6.5M ($2.09).
Net interest margin improved to 3.27% from 2.92% YoY; cost of funds declined to 2.25% from 2.35%.
Provision for credit losses jumped to $510k from $38k due to organic loan growth of $36.2M offset by $31.1M warehouse line paydown.
Total loans $767.8M, up $5M from Dec 2024; non-performing loans 0.12% (0.08% ex-govt guarantee).
Book value $23.45 per share vs $20.39 at June 30, 2024; deposits up $52.5M (7.2% annualized).

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