secwatch.observer — SEC 8-K summary
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Issuer:     CONSUMERS BANCORP INC /OH/ (CBKM)
CIK:        0001006830
Form:       8-K
Filed at:   2025-07-29T23:59:59+00:00
Accession:  0001437749-25-023737
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1006830/000143774925023737/0001437749-25-023737-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1006830/000143774925023737/cbkm20250728_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-023737

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