---
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"
generated_at: "2026-05-23T11:23:41.835438+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-012230
- JSON: https://secwatch.observer/filing/0001437749-25-012230.json
- Plain text: https://secwatch.observer/filing/0001437749-25-012230.txt

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