---
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"
generated_at: "2026-05-17T23:28:35.267273+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023737
- JSON: https://secwatch.observer/filing/0001437749-25-023737.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023737.txt

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