{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023737","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2025-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.117756+00:00","generated_at":"2026-05-17T23:28:35.267273+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Consumers Bancorp Q4 net income +9% to $2.3M; FY loan growth 7.2%; credit quality strong","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023737","json":"https://secwatch.observer/filing/0001437749-25-023737.json","markdown":"https://secwatch.observer/filing/0001437749-25-023737.md","text":"https://secwatch.observer/filing/0001437749-25-023737.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925023737/0001437749-25-023737-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925023737/cbkm20250728_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:28:35.267273+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"}