secwatch.observer — SEC 8-K summary
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Issuer:     CONSUMERS BANCORP INC /OH/ (CBKM)
CIK:        0001006830
Form:       8-K
Filed at:   2025-04-17T23:59:59+00:00
Accession:  0001437749-25-012230
Event type: earnings
Sentiment:  negative
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1006830/000143774925012230/0001437749-25-012230-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1006830/000143774925012230/cbkm20250416_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-012230

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