{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-012230","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.138183+00:00","generated_at":"2026-05-23T11:23:41.835438+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Consumers Bancorp Q3 net income falls to $1.9M, EPS $0.59 vs $0.66","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-012230","json":"https://secwatch.observer/filing/0001437749-25-012230.json","markdown":"https://secwatch.observer/filing/0001437749-25-012230.md","text":"https://secwatch.observer/filing/0001437749-25-012230.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925012230/0001437749-25-012230-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925012230/cbkm20250416_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T11:23:41.835438+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"}