Consumers Bancorp Q4 net income +9% to $2.3M; FY loan growth 7.2%; credit quality strong

CONSUMERS BANCORP INC /OH/

2025-FY EPS reported $2.77 revenue$4,648,000

Q4 net income $2.3M ($0.73 EPS) vs $2.1M ($0.67 EPS) prior year, up 9.0%; FY net income $8.7M ($2.77 EPS) vs $8.6M ($2.76 EPS).
Total loans +$54.3M (+7.2%) to $1.17B; organic loans +$80.5M (+11.0%); deposits +$63.8M (+6.6%) to $1.04B.
Non-performing loans 0.13% of total; net charge-offs 0.07%; allowance for credit losses 1.04%.
Book value $24.25, up from $20.39; shareholders' equity +$12.6M (+19.8%) to $76.3M.
New de novo branches in Canton (Fall 2025) and Boardman (Summer 2026); Massillon office reached $10M deposits in 5 months.

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